Here is the finalized documentation for Mortgage Dude with the requested effective date.

SMS Terms of Service

Mortgage Dude SMS Program

Program Description When you opt-in to the service, Mortgage Dude will send you text messages regarding your mortgage inquiries, loan application status updates, document reminders, and information regarding home financing options.

Opt-Out Instructions You can cancel the SMS service at any time. Simply text "STOP" to the shortcode. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

Rejoining Instructions To rejoin, sign up as you did initially on our website or text START to the shortcode, and we will resume sending SMS messages to you.

Help Instructions If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to [email protected] or (316) 573-3996

Carrier Liability Disclaimer Carriers are not liable for delayed or undelivered messages.

Message and Data Rates As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your application activity. For questions about your text plan or data plan, contact your wireless provider.

Effective Date: January 14, 2026

Mortgage Dude is committed to protecting your privacy. This Privacy Policy governs our data collection, processing, and usage practices.

1. SMS Information Sharing Policy No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

2. Third-Party Restrictions In our efforts to protect your data, we have removed all terms that imply the selling or sharing of leads' information. Mortgage Dude does not sell, share, or disclose personal lead information to third parties for their own independent marketing use.

3. SMS Opt-In Data and Consent All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties, excluding aggregators and providers of the Text Message services.

4. Data Security We maintain physical, electronic, and procedural safeguards to protect your personal information. We ensure that your consent to receive SMS is kept strictly confidential and used only for the purposes for which it was granted.

Important Implementation Note:

To pass the latest carrier audits, ensure that the Privacy Policy URL you submit does not contain any contradictory language elsewhere on the page (such as generic templates that mention "sharing data with partners for marketing"). The specific "No mobile information will be shared..." paragraph must be visible and unaltered.