Privacy Policy

SMS/Messaging Privacy Policy — Top Tier Mortgage Processing LLC

Last updated: March 3, 2026

Who We Are

Top Tier Mortgage Processing LLC ("we," "us," "our") operates PAi, a software platform for mortgage loan processing. This policy describes how we collect, use, and protect information related to our SMS and voice communication services.

What Information We Collect

When you communicate with us via text message or phone call, we collect:

• Your phone number
• The content of text messages sent and received
• Date, time, and duration of communications
• Voicemail recordings and transcriptions

How We Use This Information

We use SMS and voice communications solely for operational mortgage processing purposes, including:

• Document collection requests (e.g., requesting pay stubs, bank statements, or identification)
• Loan status updates and notifications
• Appointment confirmations and reminders
• Responses to your inquiries about your loan

We do not use SMS for marketing, promotional messages, or lead generation.

Consent and Opt-In

You provide consent to receive operational text messages when your phone number is submitted as part of the mortgage loan application process through your loan officer. Message frequency varies based on loan activity. Message and data rates may apply.

Opt-Out

You may opt out of text messages at any time by replying STOP to any message. After opting out, you will receive a one-time confirmation message and no further texts will be sent. You may also contact us at the email or phone number below to request removal.

Opting out of text messages does not affect your loan application or processing status. Your processor may reach you by email or phone call instead.

Help

Reply HELP to any message for assistance, or contact us using the information below.

Data Sharing

We do not sell your personal information. We share communication data only with:

• Twilio, Inc. — our telecommunications provider, which transmits and stores messages on our behalf
• Your mortgage company — the licensed loan officer handling your loan file

Data Retention

Communication records are retained for the duration of your active loan processing and for a reasonable period afterward as required for compliance and record-keeping purposes.

Contact Us

Top Tier Mortgage Processing LLC
Email: info@toptiermp.com
Phone: 248-704-0507

Related Policies

SMS Terms of Service | SMS Messaging Consent | Loan Officer Opt-In