Terms & Conditions

Terms and Conditions for Auomated Messaging & Phone Services

Provided by Damien Ramirez of NV Lending

Damien Ramirez - a mortgage loan officer - NMLS (Nationwide Multistate Licensing System & Registry) number 347663 can be verified for authenticity and compliance at

https://www.nmlsconsumeraccess.org/

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Introduction

These terms and conditions govern the use of A2P 10DLC messaging services provided by the company, a loan officer with us.

Compliance with Regulations

All messaging services comply with relevant laws and regulations, including the Telephone Consumer Protection Act (TCPA) and Carrier Compliance Guidelines for A2P 10DLC messaging.

Message Content:

Messages will contain information related to loan offers, financial advice, and updates pertinent to the services offered by us. No prohibited content as per carrier guidelines, such as spam, fraudulent content, or adult content, will be sent.These messages may contain loan information and loan arrangement content. Please note that is a first-party loan originator whose employment can be verified at https://www.nmlsconsumeraccess.org.

Opt-In Requirement:

Recipients must have explicitly opted in to receive messages. Opt-in can be through a written agreement, electronic acceptance, or other verifiable means including Meta & TikTok Ad Forms.

Opt-Out Mechanism:

Recipients can opt out of receiving messages at any time by replying “STOP” or through other specified channels.

Frequency of Messages:

The expected frequency of messages will be communicated to the recipients during the opt-in process.

Privacy and Data Security:

Personal information of recipients will be handled and protected in accordance with applicable privacy laws and regulations.Recipients’ data will not be shared with third parties without consent.Non-Disclosure of Information: Recipient information, including personal and contact details, will not be shared or sold to any third party for marketing or other purposes.

AI Phone Calls:

Our services may include automated phone calls powered by AI technology. These calls will provide important updates, reminders, and information related to your mortgage loan process.Recipients must have explicitly opted in to receive AI phone calls, similar to the opt-in process for messaging services. You can opt out of receiving AI phone calls at any time by calling 786-481-3200 and requesting to be removed from automated calling.

Liability and Indemnification:

We are not liable for any damages arising from the use of the messaging service, except as required by law.Recipients agree to indemnify us against any claims arising from their use of the service.

Changes to Terms and Conditions:

These terms and conditions may be updated periodically. Continued use of the messaging service after such changes constitutes acceptance of the new terms.

Governing Law:

These terms and conditions are governed by the laws of the jurisdiction in which we operate.

Contact Information

For any questions or concerns regarding these terms and conditions, recipients can contact us at 786-481-3200.

Campaign Overview:

Key Features of the Campaign:

Appointment Confirmations and Links:

Clients will receive timely confirmations of their appointments, along with any necessary links for virtual meetings or additional information.

Account Information:

Essential details related to clients' accounts, including updates and notifications, will be communicated to ensure they are always informed about their account status.

Product Information:

Information about various mortgage products, rates, and services offered by us will be provided, helping clients make informed decisions.

Marketing Messages:

Periodic marketing communications will be sent to inform clients about new offers, services, or products that may be of interest to them.

Help Requests:

Clients can initiate requests for assistance or support, and responses will be provided to address their queries or concerns.

Webchat Widget Responses:

Responses to inquiries made through the webchat widget on the company’s website will be sent, ensuring a seamless online customer service experience.

Opt-In and Opt-Out Confirmations:

Clients will receive confirmations when they opt in or opt out of the messaging service, maintaining transparency and control over their communication preferences.

Lending and Loan Arrangement Communication:

Crucial information regarding loan arrangements, including application status, required documentation, and other relevant details, will be communicated to assist clients throughout the lending process.