SMS TERMS & CONDITIONS – United Northern Mortgage Bankers, Ltd.

SMS Terms and Conditions

Please read these terms and conditions carefully.

Text JOIN to short code 23328 to opt-in. Msg freq may vary. Msg/Data rates may apply. You can cancel this service at any time. Just text “STOP” to 23328. After you send the message “STOP’ to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us.

If you want to join again, just sign up as you did the first time and we will start sending messages to you again.

If at any time you forget what keywords are supported, just text “HELP” to 91934. After you send the message “HELP” to us, we will respond with instructions on how to use our service as well as how to unsubscribe.

Program Description – United Northern Mortgage Bankers Limited may use an automatic CRM (Content Relationship Manager) to deliver Company text messages to you. Company text messages are intended to provide you with information about your loan progress, useful mortgage tips, and other mortgage related content information.

Message Frequency – The number of Company text messages that you receive will vary depending on how many of Company’s text messaging programs for which you sign up to receive messages. You will receive a maximum of three messages per week per Company text messaging program.

Cost – Message and data rates may apply to each text message sent or received in connection with Company text messages, as provided in your mobile telephone service rate plan (please contact your mobile telephone carrier for pricing plans), in addition to any applicable roaming charges. Company does not impose a separate fee for sending Company text messages.

Supported Carriers – Supported carriers may change from time to time, but currently include AT&T, T-Mobile, Verizon Wireless, Sprint, Nextel, Boost, Alltel, US Cellular, and Cellular One, among others.

How to Opt-In – To opt-in to receive text messages from a Company text messaging program(s), please follow the instructions provided by the specific program from which you wish to receive messages.

How to Opt-Out – To stop receiving text messages from a specific Company text messaging program, text STOP to the five-digit short code for the text messaging program from which you no longer wish to receive message (i.e., the five digit number from which its text messages are being sent). You will then receive confirmation of your opt-out of that text messaging program. This will only opt you out of the specific text messaging program associated with that five-digit short code. You will remain opted in to other Company text messaging programs.

Your Mobile Telephone Number – You represent that you are the account holder for the mobile telephone number(s) that you provide. You are responsible for notifying Company immediately if you change your mobile telephone number. You agree to indemnify Company in full for all claims, expenses, and damages related to or caused in whole or in part by your failure to notify Company if you change your telephone number, including, but not limited to, all claims, expenses, and damages related to or arising under the Telephone Consumer Protection Act.

Privacy – Please click this link to access Company’s privacy policy.

Access or Delivery to Mobile Network is Not Guaranteed – Delivery of information and content to a mobile device may fail due to a variety of circumstances or conditions. You understand and acknowledge that network services, including but not limited to mobile network services, are outside of Company’s control, and Company is not responsible or liable for issues arising from them.

Support/Help – To request more information, text HELP to the five-digit short code for the text messaging program about which you have questions (i.e., the five digit number from which its text messages are being sent). You may also receive help by submitting a “contact us” form on the website associated with the specific text messaging program you opted into, as follows:

Eligibility – To receive Company text messages, you must be a resident of the United States and 18 years of age or older. Company reserves the right to require you to prove that you are at least 18 years of age.

Changes to Terms and Conditions – Company may revise, modify, or amend these SMS Terms and Conditions at any time. Any such revision, modification, or amendment shall take effect when it is posted to Company’s website. You agree to review these SMS Terms and Conditions periodically to ensure that you are aware of any changes. Your continued consent to receive Company text messages will indicate your acceptance of those changes.

Termination of Text Messaging – Company may suspend or terminate your receipt of Company text messages if Company believes you are in breach of these SMS Terms and Conditions. Your receipt of Company text messages is also subject to termination in the event that your mobile telephone service terminates or lapses. Company reserves the right to modify or discontinue, temporarily or permanently, all or any part of Company text messages, with or without notice.

Communications and Consent to Electronic Notices – You may communicate with Company via postal mail, telephone, and our website. Company may issue notices via these various channels, including by sending e-mail to an address you provide. You agree that such notices shall have legal effect.

You also agree that notices sent by e-mail satisfy any requirement that notices be provided in writing. You may have the right to withdraw your consent to receive certain electronic communications, and, when required by law, Company will provide you with paper copies upon request. If you withdraw your consent, Company reserves the right to terminate your use of Company’s products or services.

To receive, access, and retain the notices that Company sends via e-mail, you must have Internet access and a computer or device with a compatible web browser. You will also need software capable of viewing files in PDF format. Your device or computer must have the ability to print, or download and store, e-mails and PDF files. By accepting these terms, you confirm that you are able to receive, access, and retain the notices that Company may send. You may update your contact information [through the “contact us” form on the website associated with the specific text messaging program you opted into, as follows:

Contact Us – If you have questions regarding these SMS Terms and Conditions, please reach out to us by submitting a “contact us” form on the website associated with the specific text messaging program you opted into, as follows: