Terms & Conditions

SMS Messaging Terms & Conditions

Message Content

Messages will be about your Mortgage Loan Status and Appointment Updates. Message frequency may vary; message & data rates may apply. Text HELP for assistance or reply STOP to opt out.

Opt-In and Opt-Out

Users can opt-in by texting START or SUBSCRIBE, by providing their phone number through our platform, or by checking a box and agreeing to the Terms & Conditions and Privacy Policy. To opt-out, text STOP to (470) 470-5868. Upon opting out, we will send a confirmation message. Users can rejoin the service anytime by signing up again.

Cancellations

You can cancel the SMS service at any time. After you send STOP, we will confirm your unsubscription via SMS. You will no longer receive SMS messages from us. If you want to join again, simply sign up as you did the first time.

Help & Support

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message and Data Rates

Message and data rates may apply for any messages sent to or received from us. You will receive up to 3 texts per week for updates. For questions about your text or data plan, please contact your wireless provider.

Privacy and Security

We prioritize the privacy and security of user data. Personal information is protected and not sold or shared with unauthorized parties. For detailed information on our data practices, please refer to our Privacy Policy.

Compliance and Updates

Our messaging service adheres to applicable laws and regulations, including telecommunications and data privacy laws. We regularly review and update these terms to ensure ongoing compliance, in line with A2P and CTIA standards.

Access to the Site

Subject to these Terms, Company grants you a non-transferable, non-exclusive, revocable, limited license to access the Site solely for your own personal, noncommercial use.

Certain Restrictions

The rights granted to you in these Terms are subject to the following restrictions:

• You shall not sell, rent, lease, transfer, assign, distribute, host, or otherwise commercially exploit the Site.
• You shall not change, make derivative works of, disassemble, reverse compile, or reverse engineer any part of the Site.
• You shall not access the Site in order to build a similar or competitive website.
• Except as expressly stated herein, no part of the Site may be copied, reproduced, distributed, republished, downloaded, displayed, posted, or transmitted in any form or by any means.

All copyright and other proprietary notices on the Site must be retained on all copies thereof. Company reserves the right to change, suspend, or cease the Site with or without notice. You agree that Company will not be held liable to you or any third party for any change, interruption, or termination of the Site.

No Support or Maintenance

You agree that Company will have no obligation to provide you with any support in connection with the Site.

Intellectual Property

Excluding any User Content you may provide, all intellectual property rights — including copyrights, patents, trademarks, and trade secrets — in the Site and its content are owned by Company or Company's suppliers. These Terms and access to the Site do not give you any rights, title, or interest in any intellectual property rights, except for the limited access rights expressed in Section 2.1. Company and its suppliers reserve all rights not granted in these Terms.

Third-Party Links & Ads; Other Users

Third-Party Links & Ads

The Site may contain links to third-party websites and services, and/or display advertisements for third parties. Such Third-Party Links & Ads are not under the control of Company, and Company is not responsible for any Third-Party Links & Ads. Company provides access to these only as a convenience and does not review, approve, monitor, endorse, warrant, or make any representations with respect to them. You use all Third-Party Links & Ads at your own risk.

Other Users

Each Site user is solely responsible for any and all of its own User Content. Because we do not control User Content, you acknowledge and agree that we are not responsible for any User Content, whether provided by you or by others. You agree that Company will not be responsible for any loss or damage incurred as the result of any such interactions.

You hereby release and forever discharge the Company and our officers, employees, agents, successors, and assigns from, and hereby waive and relinquish, each and every past, present, and future dispute, claim, controversy, demand, right, obligation, liability, action, and cause of action of every kind and nature that has arisen or arises directly or indirectly out of, or that relates directly or indirectly to, the Site. If you are a California resident, you hereby waive California Civil Code Section 1542 in connection with the foregoing.

Cookies and Web Beacons

Like any other website, Loan Strategists uses cookies to store information including visitors' preferences and the pages visited on the website. The information is used to optimize users' experience by customizing our web page content based on visitors' browser type and/or other information.

Disclaimers

We and our suppliers make no guarantee that the Site will meet your requirements, will be available on an uninterrupted, timely, secure, or error-free basis, or will be accurate, reliable, free of viruses or other harmful code, complete, legal, or safe. If applicable law requires any warranties with respect to the Site, all such warranties are limited in duration to ninety (90) days from the date of first use.

Some jurisdictions do not allow the exclusion of implied warranties or limitations on how long an implied warranty lasts, so the above exclusions or limitations may not apply to you.

Limitation on Liability

To the maximum extent permitted by law, in no event shall Company or our suppliers be liable to you or any third party for any lost profits, lost data, costs of procurement of substitute products, or any indirect, consequential, exemplary, incidental, special, or punitive damages arising from or relating to these Terms or your use of, or inability to use, the Site, even if Company has been advised of the possibility of such damages.

Access to and use of the Site is at your own discretion and risk, and you will be solely responsible for any damage to your device or computer system, or loss of data resulting therefrom.

To the maximum extent permitted by law, our liability to you for any damages arising from or related to this agreement will at all times be limited to a maximum of Fifty U.S. Dollars (US $50.00). The existence of more than one claim will not enlarge this limit.

Term and Termination

Subject to this Section, these Terms will remain in full force and effect while you use the Site. We may suspend or terminate your rights to use the Site at any time for any reason at our sole discretion. Upon termination, your Account and right to access and use the Site will terminate immediately. Company will not have any liability whatsoever to you for any termination of your rights under these Terms.

Copyright Policy

Company respects the intellectual property of others and asks that users of our Site do the same. We have adopted and implemented a policy respecting copyright law that provides for the removal of any infringing materials and for the termination of users who are repeated infringers of intellectual property rights.

If you believe that one of our users is unlawfully infringing copyright(s) in a work through the use of our Site, the following information must be provided to our designated Copyright Agent pursuant to 17 U.S.C. § 512(c):

• Your physical or electronic signature;
• Identification of the copyrighted work(s) you claim to have been infringed;
• Identification of the material on our services that you claim is infringing and that you request us to remove;
• Sufficient information to permit us to locate such material;
• Your address, telephone number, and e-mail address;
• A statement that you have a good faith belief that use of the objectionable material is not authorized by the copyright owner, its agent, or under the law; and
• A statement that the information in the notification is accurate, and under penalty of perjury, that you are either the owner or authorized to act on behalf of the copyright owner.

Pursuant to 17 U.S.C. § 512(f), any misrepresentation of material fact in a written notification automatically subjects the complaining party to liability for any damages, costs, and attorney's fees incurred by us.

General Terms

These Terms are subject to occasional revision. If we make any substantial changes, we may notify you by sending an e-mail to the last e-mail address you provided to us and/or by prominently posting notice of the changes on our Site. Any changes to these Terms will be effective upon the earliest of thirty (30) calendar days following our e-mail notice or thirty (30) calendar days following our posting of notice on our Site. Continued use of our Site following notice of such changes shall indicate your acknowledgement and agreement to be bound by such changes.

Your relationship to Company is that of an independent contractor, and neither party is an agent or partner of the other. These Terms, and your rights and obligations herein, may not be assigned, subcontracted, delegated, or otherwise transferred by you without Company's prior written consent, and any attempted transfer in violation of the foregoing will be null and void.

Copyright/Trademark Information: Copyright © 2026 Loan Strategists. All rights reserved. All trademarks, logos, and service marks displayed on the Site are our property or the property of other third parties. You are not permitted to use these marks without our prior written consent or the consent of the applicable third party.

Changes to Terms & Conditions: We reserve the right to modify these Terms & Conditions at any time. Changes will become effective after we provide at least 30 days' notice.

Arbitration Agreement

Applicability

All claims and disputes in connection with the Terms or the use of any product or service provided by the Company that cannot be resolved informally or in small claims court shall be resolved by binding arbitration on an individual basis under the terms of this Arbitration Agreement.

Notice Requirement and Informal Dispute Resolution

Before either party may seek arbitration, the party must first send a written Notice of Dispute describing the nature and basis of the claim or dispute, and the requested relief. A Notice to the Company should be sent to: 123 Bulifants Blvd Suite B, Williamsburg, VA 23188. The parties shall have thirty (30) days after the Notice is received to attempt informal resolution before either party may begin an arbitration proceeding.

Arbitration Rules

Arbitration shall be initiated through the American Arbitration Association (AAA). The AAA Consumer Arbitration Rules are available at adr.org or by calling 1-800-778-7879. The arbitration shall be conducted by a single, neutral arbitrator. Claims where the total award sought is less than US $10,000.00 may be resolved through binding non-appearance-based arbitration. Any hearing will be held within 100 miles of your residence. Each party shall bear its own costs and an equal share of ADR Provider fees.

Waiver of Jury Trial

THE PARTIES HEREBY WAIVE THEIR CONSTITUTIONAL AND STATUTORY RIGHTS TO GO TO COURT AND HAVE A TRIAL IN FRONT OF A JUDGE OR A JURY, INSTEAD ELECTING THAT ALL CLAIMS AND DISPUTES SHALL BE RESOLVED BY ARBITRATION UNDER THIS ARBITRATION AGREEMENT.

Waiver of Class or Consolidated Actions

All claims and disputes within the scope of this arbitration agreement must be arbitrated or litigated on an individual basis and not on a class basis. Claims of more than one customer or user cannot be arbitrated or litigated jointly or consolidated with those of any other customer or user.

Confidentiality

All aspects of the arbitration proceeding shall be strictly confidential. The parties agree to maintain confidentiality unless otherwise required by law.

Claims Not Subject to Arbitration

Notwithstanding the foregoing, claims of defamation, violation of the Computer Fraud and Abuse Act, and infringement or misappropriation of the other party's patent, copyright, trademark, or trade secrets shall not be subject to this Arbitration Agreement.

Electronic Communications

For contractual purposes, you (a) consent to receive communications from Company in an electronic form; and (b) agree that all terms, agreements, notices, disclosures, and other communications that Company provides to you electronically satisfy any legal obligation that such communications would satisfy if provided in hard copy writing.

Governing Law / California Residents

The Site may be subject to U.S. export control laws. You agree not to export, re-export, or transfer any U.S. technical data acquired from Company in violation of United States export laws or regulations. If you are a California resident, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Product of the California Department of Consumer Affairs, 400 R Street, Sacramento, CA 95814, or by telephone at (800) 952-5210.