Terms & Conditions

1. SMS Program Description

RyanStewart Homelending LLC ("RyanStewart Homelending LLC," "we," "us," or "our") operates an SMS text message notification program for the purpose of delivering transactional and informational communications to borrowers, co-borrowers, and loan applicants who have provided express written consent to receive such messages.

Messages sent through this program may include, but are not limited to:

• Loan application status updates and progress notifications
• Document request notifications and submission confirmations
• Appointment reminders for calls, meetings, and closing dates
• Closing disclosures, funding confirmations, and related transaction alerts
• Account maintenance notifications and informational updates related to an active loan file
• Responses to support inquiries initiated by the borrower

2. Eligibility and Enrollment

To receive SMS notifications from RyanStewart Homelending LLC, you must:

• Be 18 years of age or older
• Possess a valid mobile phone number capable of receiving SMS text messages
• Have provided express written consent to receive transactional text messages from RyanStewart Homelending LLC

Enrollment occurs when you voluntarily provide your mobile phone number in connection with a mortgage application or account inquiry and affirmatively consent to receive SMS notifications. Consent may be provided via written agreement, digital form submission, or verbal authorization documented in our records.

3. Message Frequency

Message frequency may vary. The number of text messages you receive will depend on the status and activity of your mortgage application or loan account. During active periods of loan processing, you may receive multiple messages per day. During inactive periods, you may receive no messages.

We do not send recurring messages on a fixed schedule. All messages are triggered by events directly related to your loan file or account activity.

4. Message and Data Rates

Message and data rates may apply to all SMS messages sent to and received from RyanStewart Homelending LLC. You are responsible for any charges imposed by your wireless carrier in connection with text messaging services. RyanStewart Homelending LLC does not charge a fee for participation in this SMS notification program.

Please contact your wireless carrier if you have questions about messaging rates applicable to your plan.

5. Opt-Out and Help Commands

You may manage your participation in the SMS notification program using the following commands:

You may also opt out by contacting us directly using the contact information provided in Section 13. Opt-outs submitted via direct contact may take up to five (5) business days to process.

If you opt out, you will no longer receive SMS notifications for any active loan applications or accounts. Important loan information that would otherwise be delivered by SMS may be provided via alternate contact methods on file.

6. Supported Carriers

Our SMS program is supported by major U.S. wireless carriers including, but not limited to, AT&T, Verizon, T-Mobile, Sprint, Boost Mobile, U.S. Cellular, MetroPCS, and other regional and national carriers. Coverage and delivery may vary by carrier.

Not all features or messages may be available on all carriers. Message delivery is subject to carrier availability and network conditions.

7. Carrier Disclaimer

If you do not receive an expected notification, please contact us directly using the contact information provided in Section 13 to obtain the relevant information through an alternate channel.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, RYANSTEWART HOMELENDING LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR PARTICIPATION IN THE SMS NOTIFICATION PROGRAM, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOST PROFITS, LOSS OF DATA, OR BUSINESS INTERRUPTION, EVEN IF RYANSTEWART HOMELENDING LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

RyanStewart Homelending LLC's total liability for any claim arising under or related to these Terms shall not exceed the amount, if any, paid by you in connection with the SMS program (which is zero, as this program is offered at no charge).

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitation may not apply to you.

9. Prohibited Use

You agree not to use RyanStewart Homelending LLC's SMS program for any unlawful purpose or in any manner inconsistent with these Terms. Prohibited activities include:

• Providing a mobile phone number that does not belong to you without the owner's consent
• Attempting to intercept or redirect SMS notifications intended for another recipient
• Using automated systems to send messages to our SMS programs in a manner not intended for individual consumer use
• Any other use that violates applicable law or regulations

10. Privacy

Your participation in this SMS program is subject to RyanStewart Homelending LLC's Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, and protect the personal information you provide in connection with this program, including your mobile phone number.

Please review our Privacy Policy for complete information about our data practices.

11. Modifications to Terms

RyanStewart Homelending LLC reserves the right to modify or discontinue the SMS notification program, or to amend these Terms and Conditions, at any time and without prior notice, except as required by applicable law. Changes will be reflected by updating the effective date of this document.

Your continued participation in the SMS program following any changes constitutes your acceptance of the revised Terms. If you do not agree to revised Terms, you may opt out at any time by replying STOP to any message.

12. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of New Jersey, without regard to its conflict of law principles. Any dispute arising under these Terms shall be subject to the exclusive jurisdiction of the state and federal courts located in New Jersey.

13. Contact Information

For questions about this SMS program or these Terms and Conditions, please contact us:

RyanStewart Homelending LLC
New Jersey
Phone: (908) 343-5480
Email: [email protected]

To opt out via direct contact, please provide your full name and the mobile number you wish to remove from our notification list. Requests will be processed within five (5) business days.