Lesser Lending Group, powered by Canopy Mortgage, LLC

At Lesser Lending Group and Canopy Mortgage, we take seriously the confidence our clients place in us. Precision, discretion, and trust are core to how we operate. Protecting your personal information is not optional. It is foundational.

Effective Date: March 4, 2026

Lesser Lending Group, a division of Canopy Mortgage, LLC ("we," "us," or "our") respects your privacy and is committed to protecting the personal information you provide when using our website and services.

IMPORTANT NOTICE REGARDING TEXT MESSAGING DATA

Lesser Lending Group does NOT share customer opt-in information, including phone numbers and SMS consent records, with any affiliates or third parties for marketing or promotional purposes. All text messaging originator opt-in data and consent information is kept strictly confidential.

1. Information We Collect

We collect the following types of information:

Personal Information

• Name
• Email address
• Phone number
• Physical address
• Payment information when applicable
• Opt-in records and timestamps for communications such as SMS and email

Non-Personal Information

• IP address
• Browser type
• Device information
• Website usage patterns and analytics
• Cookies and similar technologies

Customer Communication

• Records of inquiries and service requests
• Appointment details and preferences
• Service history and feedback

2. How We Use Your Information

We use collected data to:

• Provide mortgage consultation and loan services
• Process transactions and service requests
• Communicate with you regarding loan inquiries, applications, and appointments
• Improve website functionality and user experience
• Maintain records of communication preferences and consent
• Ensure security and prevent fraud

3. SMS Messaging & Compliance

Text Message Program Terms

By opting into SMS messaging from Lesser Lending Group through our website forms or other consent mechanisms, you agree to receive text messages related to your mortgage inquiry and loan process.

These may include:

• Appointment confirmations and reminders
• Loan status updates
• Document request notifications
• Customer support communication

Message frequency may vary depending on your interaction with our services.

Consent

SMS messages are only sent to users who have provided explicit consent.

Consent is collected through website forms located at:

https://lesserlending.com

All opt-in actions are recorded with timestamp and consent language for compliance with the Telephone Consumer Protection Act (TCPA) and messaging industry regulations.

Opt-Out Instructions

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

STOP

Once you opt out, you will receive a final confirmation message and will no longer receive SMS communications unless you opt in again.

Help Instructions

For assistance, reply:

HELP

or contact us at:

[email protected]

Carrier Notice

Standard message and data rates may apply depending on your mobile carrier.

Mobile carriers are not liable for delayed or undelivered messages.

SMS Data Protection Statement

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared only with service providers necessary to deliver SMS communications such as messaging platforms and communication infrastructure providers.

All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

4. Information Sharing & Disclosure

We do not sell, rent, or trade personal information.

We may share information with:

Service Providers

• Technology providers assisting with CRM, website, and communications
• Messaging providers necessary to deliver SMS communications
• Vendors who assist in operating our services

All service providers are contractually required to maintain confidentiality and security.

Legal Compliance

Information may be disclosed if required by law, court order, or legal process.

Business Transfers

In the event of a merger, acquisition, or asset sale, user data may transfer as part of that transaction but will remain protected under this policy.

5. Data Security

We implement reasonable security safeguards including:

• Encrypted data transmission
• Secure access controls
• Security monitoring and system updates
• Employee training regarding data protection
• Incident response procedures

However, no method of internet transmission or electronic storage is completely secure.

6. Cookies & Tracking Technologies

Our website may use cookies to:

• Analyze website traffic
• Improve functionality
• Remember user preferences
• Measure engagement with website tools and services

You may disable cookies in your browser settings, though this may affect certain site functionality.

7. Your Rights & Choices

You have the right to:

• Access your personal information
• Request corrections to inaccurate data
• Request deletion of your information where applicable
• Opt out of marketing emails
• Opt out of SMS communications by replying STOP

Requests may be submitted using the contact information below.

8. Third-Party Links

Our website may contain links to external websites. We are not responsible for the privacy practices of those websites.

9. Changes to This Privacy Policy

We may update this policy periodically. The most current version will always be available on our website with the updated effective date.

Personal Identification Information

We recognize and respect the privacy expectations of our clients while also understanding the responsibility required to collect and use information appropriately in order to deliver mortgage services.

We may collect, retain, and use personal identification information only as permitted by law and when necessary to:

Provide mortgage products and financial services

Process loan applications

Respond to inquiries

Improve our systems and service delivery

Comply with regulatory requirements

Personal information may be collected when you:

Submit a contact form

Request a consultation

Begin or complete a loan application

Complete a TCPA disclosure

Opt in to SMS or email communications

Interact with affiliated landing pages or digital funnels

We collect only what is required to serve you effectively and responsibly.

How We Use Collected Information

Your information is used to:

Respond to inquiries quickly and accurately

Structure and process mortgage applications

Deliver requested services

Improve communication and follow-up systems

Maintain accurate financial records

We maintain procedures to ensure your financial information is accurate, current, and complete. Requests to correct inaccurate information are handled promptly.

How We Protect Collected Information

Confidentiality is operational policy at Lesser Lending Group.

Access to personally identifiable information is limited to team members with a legitimate business need.

Employees are trained in privacy protection and confidentiality standards.

Appropriate disciplinary measures are enforced when standards are violated.

We maintain security safeguards and technical protections to prevent unauthorized access.

We do not sell personal information.

We do not share personally identifiable customer information with unaffiliated third parties except when necessary to:

Operate our business

Process your loan

Comply with laws and regulations

Provide requested services

If information must be shared with service providers, we require them to maintain strict confidentiality standards.

SMS & A2P Messaging Privacy Policy

Lesser Lending Group and Canopy Mortgage comply with CTIA Messaging Principles and Best Practices and all A2P 10DLC regulations.

SMS Consent

By submitting your phone number through our website, landing pages, or application forms and checking the consent box, you expressly consent to receive text messages from Lesser Lending Group and/or Canopy Mortgage regarding:

Loan updates

Application status

Appointment reminders

Document requests

Account notifications

Optional marketing updates (if separately selected)

Message frequency varies per user.

Message and data rates may apply.

Reply STOP to unsubscribe at any time.
Reply HELP for assistance.

Carriers are not responsible for delayed or undelivered messages.

SMS Privacy Protection

Your consent to receive SMS messages applies solely to Lesser Lending Group and Canopy Mortgage.

Text messaging originator opt-in data and consent information will not be shared with any third parties.

No mobile number information will be shared with affiliates for marketing purposes in compliance with §5.1.4 of CTIA Messaging Principles and Best Practices. We do not sell, rent, or share mobile numbers or SMS opt-in data with third parties for marketing purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

All SMS communications are tied to direct consumer opt-in.

Non-Personal Identification Information

We may collect non-personal identification information when users interact with our website, including:

Browser type

Device type

Internet service provider

Referring pages

General usage data

This data helps us improve site performance and user experience.

Web Browser Cookies

Our website uses cookies to enhance user experience and support record-keeping functions.

You may choose to disable cookies through your browser settings. Please note that certain site features may not function properly if cookies are disabled.

How Users Consent to Messaging

Users consent to messaging by:

Completing a web form

Checking an SMS consent box

Agreeing to the messaging disclosure presented on the form

Disclosure language clearly states:

By submitting your phone number, you authorize Lesser Lending Group and/or Canopy Mortgage to send text messages and notifications. Message frequency may vary. Message and data rates may apply. Reply STOP to unsubscribe.

No pre-checked boxes are used.

Consent is collected prior to messaging.

Children’s Online Privacy Protection

We do not knowingly collect or maintain information from individuals under the age of 13. Our website is not directed toward children under 13.

ADA Accessibility Statement

We are committed to providing a website that is accessible to all users. We continually improve our systems to align with accessibility standards.

If you need assistance or have questions regarding accessibility, please contact us directly.

Policy Updates

We reserve the right to update this privacy policy at any time. Updates will be reflected by revising the effective date below. Continued use of our website indicates acceptance of any modifications.

Questions

We appreciate your trust and the opportunity to serve you.

If you have questions regarding this Privacy Policy or your account, please contact:

Canopy Mortgage, LLC
Phone: 877-905-0005

Or contact Lesser Lending Group directly through the contact information listed on our website.