Privacy Policy

Effective Date: May 12, 2026  |  Last Updated: May 12, 2026

Goff Housing Solutions, LLC (“Goff Housing Solutions,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains what personal information we collect from visitors and prospective clients, how we use it, when we share it, and the choices you have regarding your information. By using our website, completing our forms, or communicating with us by phone, email, or text message, you agree to the practices described below.

1. Who We Are

Goff Housing Solutions, LLC is a reverse mortgage education and origination business serving homeowners aged 62 and older in Alabama, Florida, and Georgia. Our principal place of business is in Tuscaloosa, Alabama. We are reachable using the contact information at the end of this policy.

2. Information We Collect

We collect information you provide to us directly, information collected automatically when you visit our website, and information from advertising platforms when you respond to one of our advertisements.

2.1 Information You Provide Directly

• Full name, mailing address, email address, and mobile phone number
• Date of birth and age (used to confirm reverse mortgage eligibility)
• Property information such as address, estimated value, property type, and existing mortgage balance
• Household financial information such as annual property taxes and homeowners insurance
• Information about a co-borrower or non-borrowing spouse, when applicable
• Any other information you choose to share during a consultation, phone call, email, or text exchange

2.2 Information Collected Automatically

• Device and browser information, IP address, and approximate location
• Pages viewed, time spent on the site, and referring source
• Cookies, pixels, and similar tracking technologies used for site analytics and advertising performance

2.3 Information From Advertising Platforms

When you submit a lead form on a Goff Housing Solutions advertisement on platforms such as Meta (Facebook and Instagram), the platform forwards the information you submitted to us so we can follow up with you. The information we receive is limited to what you provided on that form.

3. How We Use Your Information

We use the information we collect to:

• Respond to your inquiry and provide educational information about reverse mortgage options
• Determine whether you may qualify for a reverse mortgage program
• Schedule consultations, send appointment confirmations, and provide follow-up communication
• Send you transactional and educational SMS messages when you have consented to receive them
• Improve our website, marketing, and service quality
• Comply with applicable laws, regulations, and lawful requests from authorities

4. SMS and Text Messaging Communications

4.1 How You Opt In

You may consent to receive SMS messages from Goff Housing Solutions through any of the following methods:

• Submitting a lead form on a Goff Housing Solutions advertisement on Meta (Facebook or Instagram) where the form clearly states that submitting your phone number authorizes us to contact you by SMS
• Submitting a contact, qualification, or consultation request form on goffhousingsolutions.com where you have checked an unchecked-by-default consent box agreeing to receive SMS messages
• Replying with a recognized opt-in keyword to a message we sent you
• Providing your mobile number to Stan Goff in writing and confirming, in writing, that you wish to receive SMS messages

Opt-in consent is never a condition of obtaining any product or service from us.

4.2 Types of Messages You May Receive

• A welcome message confirming your request and directing you to our qualification form
• Follow-up reminders if your qualification form is left incomplete
• Appointment scheduling and confirmation messages
• Educational information about reverse mortgage programs you have requested
• Responses to questions you send us by text

4.3 Frequency, Cost, and Carrier Disclosure

Message frequency varies based on your activity and the stage of your inquiry. Message and data rates may apply depending on your mobile carrier and plan. Goff Housing Solutions does not charge you to send or receive SMS messages from us. Carriers are not liable for delayed or undelivered messages.

4.4 Opting Out and Getting Help

You can opt out of SMS messages at any time by replying STOP to any message you receive from us. You will receive a one-time confirmation message and no further texts unless you opt back in. For assistance, reply HELP or contact us using the information at the end of this policy.

4.5 Non-Sharing of Mobile Data

No mobile information, including phone numbers and SMS opt-in consent data, will be shared with third parties or affiliates for marketing or promotional purposes at any time. All other categories of personal information described in this Privacy Policy specifically exclude text messaging originator opt-in data and consent. SMS opt-in data is not sold, rented, or transferred to any third party for any purpose other than delivering the messages you have requested.

5. Cookies and Tracking Technologies

Our website uses cookies, pixels, and similar technologies to operate the site, measure traffic, and improve advertising performance. These tools may collect device information, pages viewed, and actions taken on the site. You can adjust your browser settings to refuse cookies, though some features of the site may not function correctly if you do. We may use third-party analytics and advertising tools such as Meta Pixel and Google Analytics. These tools have their own privacy policies that govern how they handle the information they collect.

6. How We Share Your Information

We share your information only as described below. We do not sell your personal information.

6.1 Service Providers

We share information with service providers who help us operate our business, including our customer relationship management platform (HubSpot), our messaging platform (Twilio), our automation platform (Make.com), our email and calendar systems, and similar tools. These providers may access your information only to perform services on our behalf and are contractually required to protect it.

6.2 Lender Partner

When you proceed with a reverse mortgage application, your information is shared with our originating lender, Total Media Management LLC dba Worthington Mortgage (NMLS #1018333), for the purpose of processing your application and providing the loan services you have requested.

6.3 Regulatory and Legal Disclosures

We may disclose information when required by law, by court order, by subpoena, or by a lawful request from a government authority, or when necessary to protect our rights, our property, or the safety of any person.

6.4 Mobile Information Exclusion

As stated in Section 4, mobile information and SMS opt-in consent data are never shared with third parties or affiliates for marketing or promotional purposes, and are excluded from the sharing categories described in this Section 6 other than the use of SMS service providers strictly for delivering messages you have opted in to receive.

7. Data Retention

We retain your information for as long as needed to provide our services, communicate with you about your inquiry, comply with applicable laws, and resolve disputes. If you ask us to delete your information, we will do so unless we are required to keep it for legal or regulatory reasons.

8. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information against unauthorized access, alteration, disclosure, or destruction. No method of transmission over the internet is fully secure, and we cannot guarantee absolute security. You are responsible for keeping your account credentials and personal devices secure.

9. Your Privacy Rights

Depending on where you live, you may have the right to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of certain uses of your information, including marketing communications
• Receive a copy of your information in a portable format

To exercise any of these rights, contact us using the information at the end of this policy. We will respond within the timeframe required by applicable law.

10. Children’s Privacy

Our services are intended for homeowners aged 62 and older. We do not knowingly collect information from children under the age of 13. If we learn we have collected information from a child under 13, we will delete it promptly.

11. Third-Party Links

Our website and messages may include links to third-party websites that we do not control. We are not responsible for the privacy practices of those websites. We encourage you to review their privacy policies before providing them with any information.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will update the “Last Updated” date at the top of this policy and, where appropriate, provide additional notice. Your continued use of our website or services after an update means you accept the revised policy.

13. NMLS Licensing Disclosure

Stanley A. Goff Jr., Licensed Loan Officer, NMLS #294725. Loans originated through Total Media Management LLC dba Worthington Mortgage, NMLS #1018333. Licensed to originate residential mortgage loans in Alabama, Florida, and Georgia. Verify license information at the NMLS Consumer Access website at www.nmlsconsumeraccess.org. Equal Housing Opportunity Lender.

14. Contact Us