Email/Text Policy

Loan Factory (“us,” “we,” or “our”) is committed to making your experience with us as convenient and transparent as possible. In addition to phone communication, we may contact you through email, text messages (SMS), and other forms of communication.

By providing your email address or mobile number and agreeing to receive messages from us, you consent to the terms of this Email and Text Message Policy, as well as our Privacy Policy and Terms of Use.

EMAIL POLICY

1. Nature of Email Communication

• Email can be convenient, but messages may be brief, informal, or delayed.
• Emails do not always reflect the full scope of our communications with you.
• All official loan matters must be confirmed in signed writing (electronically or physically).

2. Receipt of Your Email

• Sending us an email does not constitute notice of any urgent matter.
• Spam filters or system errors may delay or block receipt of your email.
• For time-sensitive issues, call us directly and follow up with a written confirmation.

3. Security & Monitoring

• Email is transmitted over the internet, which is not fully secure.
• Emails may be lost, intercepted, delayed, or altered.
• Avoid sending personal information (SSN, account numbers) by email.
• All incoming and outgoing emails may be monitored and recorded for compliance, training, or quality assurance.

4. Viruses & Liability

• While we take steps to prevent viruses, we cannot guarantee our emails are virus-free.
• It is your responsibility to scan all emails and attachments before opening.
• We disclaim liability for any loss or damage caused by malicious code, viruses, or altered email content.

5. Electronic Signature Disclaimer

• Emails from us do not constitute an electronic signature or legally binding agreement unless explicitly stated.
• Emails are not an offer of loan approval, interest rate lock, or commitment unless you receive a formal, signed agreement from us.

6. Confidentiality

• Emails involving our Legal or Compliance teams may contain privileged information.
• If you receive an email in error, notify us immediately and delete it.
• Unauthorized use, reproduction, or distribution of confidential information is prohibited.

Text Messaging (SMS) Policy

1. Consent to Receive Texts

By opting in (e.g., checking a consent box or providing your mobile number), you provide express written consent for us, our affiliates, and service providers to contact you by SMS or phone call regarding:

• Loan application updates
• Account notifications.
• Transaction-related communications.

Consent is not required to use our services.

2. Message Frequency

• Message frequency may vary depending on your loan stage or service needs.
• You may receive up to 5 SMS messages per week related to your transaction.

3. Standard Messaging Rates

• Standard message and data rates may apply depending on your carrier and plan.
• Fees may vary if the message is sent domestically or internationally.

4. Opt-Out Method

• You can opt out at any time by replying STOP to any SMS message. Alternatively, you can contact us directly to request removal from our messaging list.
• You will receive one final confirmation message before you stop receiving future texts.

5. Help & Support

• Reply HELP to any text for assistance
• Contact us directly at www.loanfactory.com/contact-us or (660) 333-3333 if you experience issues.

6. Responsibility

• You confirm you are the authorized user of the number you provide.
• Notify us immediately if your number changes to avoid misdirected communications.
• You agree to indemnify us against claims related to your failure to update your contact information.

General Provisions

• Governing Law: This policy is governed by the laws of the State of California. All disputes must be resolved exclusively in the state or federal courts located in Orange County, California.
• Equal Housing Lender: We comply with the Equal Credit Opportunity Act (ECOA) and do not discriminate based on race, color, religion, national origin, sex, marital status, military status, age, or public assistance status.
• Reservation of Rights: All content in our emails and text messages is proprietary. Reproduction or distribution requires our prior written consent.