Terms & Conditions

Welcome to the JGT Mortgage website (“Website”). These Terms & Conditions (“Terms”) govern your access to and use of this Website, including any content, tools, forms, applications, and communications provided by JGT Mortgage (“we,” “us,” or “our”). By accessing or using this Website, you agree to be bound by these Terms.

If you do not agree with these Terms, please do not use this Website.

1. About JGT Mortgage

JGT Mortgage is an independent mortgage brokerage providing residential mortgage services to consumers in Texas. JGT Mortgage works with multiple wholesale and correspondent lending partners to help clients evaluate and secure home financing options. JGT Mortgage is not a bank and does not make credit decisions on behalf of any single lender.

All mortgage services are subject to borrower qualification, lender approval, and applicable federal and Texas laws and regulations.

2. No Loan Commitment or Guarantee

Information provided on this Website is for general informational purposes only and does not constitute a loan commitment, approval, or guarantee of financing. Mortgage rates, terms, programs, and eligibility requirements are subject to change without notice.

Submitting an inquiry, application, or form does not obligate JGT Mortgage or any lending partner to provide a loan.

3. Use of Website Content

All content on this Website—including text, graphics, logos, tools, articles, calculators, and downloads—is the property of JGT Mortgage or its licensors and is protected by applicable intellectual property laws.

You may:

• View and print content for personal, non-commercial use only.

You may not:

• Reproduce, distribute, modify, or exploit any content without prior written consent

• Use this Website for unlawful or unauthorized purposes

• Attempt to gain unauthorized access to systems or data

4. Mortgage Tools, Calculators, and Articles

Any tools, calculators, articles, or educational materials provided on this Website are estimates and general guidance only. Results may vary based on individual circumstances, lender criteria, and market conditions.

You should not rely solely on these tools when making financial decisions. Always consult a licensed mortgage professional directly regarding your specific situation.

5. Communications & SMS/Text Messaging

By submitting your contact information or opting in through this Website, you consent to receive communications from JGT Mortgage, including phone calls, emails, and SMS/text messages related to mortgage services, loan updates, and relevant information.

• Message frequency may vary

• Message and data rates may apply

• You may opt out of SMS communications at any time by replying STOP

• For assistance, reply HELP or contact us directly

Consent to receive communications is not a condition of loan approval.

6. Privacy and Data Protection

Your use of this Website is also governed by our Privacy Policy, which explains how we collect, use, store, and protect your personal information. By using this Website, you agree to the collection and use of information as described in our Privacy Policy.

SMS Terms:

The Jolie Godfrey Mortgage Team sends text messages, appointment reminders, follow-up visits, welcome call messages, etc., to those who opt in. Messages we send include Customer Care, and message frequency will vary based on customer interactions, with reminders and updates sent as needed. Message and data rates may apply. Text HELP or contact us at team@jgtmortgage.com for support. Text STOP to opt out of future messages at any time.

7. Third-Party Links and Services

This Website may contain links to third-party websites, tools, or services, including lender portals or application platforms. JGT Mortgage does not control or take responsibility for the content, privacy practices, or availability of third-party sites.

Accessing third-party services is done at your own risk and subject to their terms & policies.

8. Licensing & Regulatory Disclosure

JGT Mortgage operates in compliance with applicable federal and Texas mortgage laws and regulations, including but not limited to the SAFE Act, RESPA, and TILA/TRID requirements.

Mortgage services are offered only in states where JGT Mortgage and its associated licensees are properly licensed or exempt.

9. Limitation of Liability

To the fullest extent permitted by law, JGT Mortgage shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from:

• Use or inability to use this Website

• Reliance on Website content or tools

• Errors, omissions, interruptions, or delays

• Unauthorized access to or use of information

Use of this Website is at your own risk.

10. Indemnification

You agree to indemnify and hold harmless JGT Mortgage, its owners, contractors, and affiliates from any claims, damages, losses, or expenses arising out of your use of this Website or violation of these Terms.

11. Changes to These Terms

We may update or modify these Terms at any time without prior notice. Changes will be effective immediately upon posting. Your continued use of the Website constitutes acceptance of the updated Terms.

We encourage you to review this page periodically.

12. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Texas, without regard to conflict-of-law principles.

Privacy Policy

At The Jolie Godfrey Mortgage Team, we value your privacy and are committed to protecting your personal information. Any information you provide to us— whether through our website, by phone, in person, or via text—is used solely for the purpose of assisting you with your mortgage needs. We do not sell, rent, or share your personal information with third parties for marketing purposes. Information may be shared with trusted service providers only as necessary to process your loan or comply with legal requirements. We maintain physical, electronic, and procedural safeguards to protect your data. By communicating with us, you consent to our collection and use of your information as described.

Effective Date: 01/01/2025

JGT Mortgage (“we,” “us,” or “our”) is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy explains how we collect, use, and share your information when you interact with us through our website, forms, phone, email, or SMS/text messaging.

Information We Collect

We may collect personal information, including, but not limited to:

• Name

• Phone number

• Email address

• Mailing address

• Information related to your mortgage inquiry or loan application

• Any additional information you voluntarily provide

When you opt in to receive SMS/text messages, we also collect:

• Your mobile phone number

• Your consent to receive SMS communications

How We Collect Information

We collect information through:

• Direct interactions (forms, applications, phone calls, emails, SMS)

• Website usage (cookies, analytics, and tracking technologies)

• Third-party sources (such as referral partners or lead providers), where permitted

How We Use Your Information

We use your information to:

• Assist with mortgage inquiries, applications, and loan processing

• Communicate with you regarding your loan, account, or requested services

• Send updates, notifications, and relevant information based on your interaction with us

• Improve our services and website functionality

• Comply with legal and regulatory requirements

SMS / Text Messaging Policy

By providing your phone number and opting in, you consent to receive SMS/text messages from JGT Mortgage related to:

• Loan updates and status notifications

• Appointment reminders

• Mortgage-related communications

Message and data rates may apply.

You may opt out at any time by replying STOP to any message. For assistance, reply HELP.

We do not sell, share, or disclose your mobile opt-in data or consent to third parties for marketing or promotional purposes.

Sharing of Information

We do not sell or rent your personal information.

We may share your information only in the following limited circumstances:

• With trusted service providers and partners necessary to process your loan or deliver services

• With affiliated entities involved in your mortgage transaction

• When required by law, regulation, or legal process

• To protect our rights, property, or safety, or that of others

• In connection with a business transaction (e.g., merger, acquisition, or asset sale)

All third parties are required to maintain the confidentiality and security of your information.

Data Protection

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure.

While no system is completely secure, we take appropriate measures to protect your data in accordance with industry standards.

Your Choices

You may:

• Opt out of SMS communications at any time by replying STOP

• Contact us to update or correct your information

• Request information about how your data is used

Policy Updates

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

We encourage you to review this policy regularly.

Contact Information

If you have questions about this Privacy Policy or our communication practices, please contact us:

JGT Mortgage

Email: team@jgtmortgage.com

Phone: 936-520-7895

SMS Support: Text HELP to 936-256-3140