SMS Terms and Conditions

1. About This Text Message Program

A Good Lender is a California mortgage brokerage. This page describes our text message (SMS and MMS) program, who operates it, what we send, and how you control it.

1.1 What We Send

We send two kinds of text messages:

• Transactional messages about a loan inquiry or application you started with us: status updates, document requests and reminders, appointment confirmations, questions from your loan officer, and replies to messages you send us.
• Marketing messages about loan programs, rate changes, and services that may fit your situation. These require your express written consent, which you give by checking the consent box or submitting a form that displays our consent language.

1.2 What We Do Not Send

We do not send text messages containing loan approvals, credit decisions, account numbers, Social Security numbers, or any other sensitive personal information. We will never ask you to send those items to us by text. If you receive a text claiming to be from A Good Lender that asks for sensitive information, do not respond. Call us at (442) 245-5626 to verify.

2. How You Opt In

You opt in to our text message program by providing your mobile phone number to us in one of these ways:

• Submitting a contact form, loan inquiry form, pre-qualification form, or loan application on agoodlender.com, where our consent language appears next to the submit button
• Checking the consent checkbox on a form that includes one. The checkbox is never pre-checked. You have to check it yourself.
• Giving your number to a loan officer by phone, email, or in person and asking us to text you
• Texting us first at (442) 245-5626

Consent is not a condition of purchase. You do not have to agree to receive marketing text messages in order to apply for a loan, get a quote, or work with us. You can give us your phone number and decline marketing texts, and we will still help you.

The exact consent language shown on our forms is:

By submitting, you agree that A Good Lender may call, text (SMS), or email you about your inquiry. Consent is not a condition of purchase. Message frequency varies; message and data rates may apply. Reply STOP to opt out or HELP for help.

3. Message Frequency

Message frequency varies based on your loan activity and your stated preferences.

• Marketing messages: you may receive up to 10 messages per month.
• Transactional messages: frequency depends on where your loan is in the process. During an active application you may receive several messages in a week; at other times you may receive none for months.

4. Message and Data Rates

Message and data rates may apply. Any charges are billed by and payable to your mobile service provider. We do not charge you for text messages. Check your plan with your carrier if you are unsure what messages cost you.

5. How to Opt Out

Reply STOP to any text message from us. We will send one final message confirming that you have been unsubscribed, and then we will stop.

5.1 Other Words That Work

You do not have to use the exact word STOP. We honor any of the following keywords as a request to stop:

• STOP
• QUIT
• END
• CANCEL
• UNSUBSCRIBE
• REVOKE
• OPT OUT

5.2 Any Reasonable Method

You may also withdraw your consent by any other reasonable method, and we will honor it. That includes:

• Replying to a text in your own words, such as "please stop texting me"
• Calling us at (442) 245-5626 and telling us to stop
• Emailing info@agoodlender.com with "Stop Text Messages" in the subject line
• Telling your loan officer directly
• Writing to us at 4683 Chabot Dr #280, Pleasanton, CA 94588

5.3 How Quickly We Stop

We process opt-out requests as soon as we receive them, and in no case later than 10 business days after receipt.

5.4 Opting Out Covers Everything

If you tell us to stop, we treat it as applying to all marketing messages from us on that phone number, not just the specific message you replied to. If you want to stop marketing texts but keep receiving updates about a loan in progress, tell us and we will set that up.

5.5 Opting Back In

If you change your mind, reply START or UNSTOP to our number, or call us at (442) 245-5626 and ask us to resume.

6. How to Get Help

Reply HELP to any text message and we will respond with our name and contact information.

7. Carriers and Delivery

• Carriers are not liable for delayed or undelivered messages.
• Message delivery is not guaranteed. Do not rely on text messages for time-sensitive matters. If something is urgent, call us at (442) 245-5626.
• Not all mobile devices or carriers support every message type. If messages do not reach you, contact us and we will use email or phone instead.

8. Privacy of Your Mobile Number

No mobile information or SMS opt-in consent will be shared with or sold to third parties or affiliates for marketing or promotional purposes.

We use your mobile number to communicate with you about your inquiry and, if you consented, to send marketing messages. We share it with service providers only as needed to deliver those messages on our behalf, and those providers are contractually barred from using it for their own marketing.

Your mobile number is personal information under the California Consumer Privacy Act. You have the right to know what we hold, request deletion, and correct it. See our Privacy Policy and our Do Not Sell or Share My Personal Information page for how to exercise those rights.

We keep a record of your consent, including the date and time, the page you submitted, and the exact consent language you agreed to. We also keep a suppression record of opt-outs so that a request to stop is honored permanently.

9. California Residents

9.1 Your Right Not to Receive Texts

California law restricts text message advertisements sent to California mobile numbers. We send marketing texts only to people who have an existing relationship with us and who have been offered a clear option not to receive them. That option is described in Section 5 above and is available to you at any time, at no cost, by any reasonable method.

9.2 Quiet Hours

We do not send marketing text messages between 9:00 p.m. and 9:00 a.m. in your local time zone. Transactional messages about an active loan may occasionally fall outside those hours when the matter is time-sensitive to your transaction.

9.3 California Do Not Call

Registering on the National Do Not Call Registry does not by itself stop messages you have consented to receive from us. To stop our messages, use any of the methods in Section 5.

10. License Disclosure

Our text messages are short and cannot carry full licensing disclosures. This section is the disclosure they link to.

Text messages are not loan offers, commitments to lend, or guarantees of terms. Rates and programs mentioned in any message are subject to change without notice, and all loans are subject to credit approval, income and asset verification, property appraisal, and underwriting. For our complete licensing information and required disclosures, see our Disclosures page.

A Good Lender is an Equal Housing Opportunity broker. See our Fair Housing Notice and Fair Lending statement.

11. Changes to These Terms

We may update these SMS Terms. When we do, we update the "Last updated" date at the top of this page. Material changes to how we use your phone number will be communicated to you before they take effect. Continuing to accept messages from us after a change means you accept the updated terms.

12. Related Documents

• Privacy Policy, including how we collect and use your phone number
• Terms of Use, Section 6, covering electronic communications and TCPA consent
• Do Not Sell or Share My Personal Information
• Disclosures, including full licensing information
• Complaint Procedure