SMS TERMS AND CONDITIONS (Last Updated: February 14, 2025)

This page outlines the terms and conditions which apply when a consumer provides their cellular phone number and consents to receive SMS messages, also known as and hereafter referred to as “text messages” from AAFMAA Mortgage Services LLC (“AMS”) and its agents and/or representatives from its family of companies (collectively “AAFMAA”). For the purpose of these SMS Terms and Conditions, the system used to transmit and manage text messages shall be referred to herein as the “text messaging system.”

AMS may use text messages to inform consumers about promotional opportunities and/or extension of credit or loan-related information. These messages are intended solely for the recipient, are confidential between AMS and the recipient and are not a promise to extend credit or a requirement for any application for extension of credit.

Message frequency varies, and data rates may apply.

Consent to Contact:

You are also signing express consent to having AAFMAA Mortgage Services LLC (“AMS”) or representatives from our family of companies, contact you about your inquiry via text message, email address, or phone (even if it is a cellular phone number or other paid service for which the called or messages person(s) could be charged for such call or text) to the residential or cellular telephone number or email you have provided. This contact may include automatic telephone dialing system or an artificial or prerecorded voice or message. Message frequency varies and data rates may apply. You expressly consent to AMS to contact you via any means made to any telephone number you provide, even if your telephone number is currently listed on any do not contact email list, internal, corporate, state or national Do Not Call Registry list. Consent is not required as a condition of utilizing AMS’ services. You may opt out of receiving calls or other electronic communications at any time by making a Do Not Call Request. By opting in to receiving text messages from AMS, you represent that you are the account holder for the number which you register or use to interact with AMS. You further represent that you are legally able to consent to receive or send text messages with AMS under any local, state or federal laws that may apply. You consent to restrict your use of AMS text messaging system to communicate solely with AMS, and will not transmit, disseminate or distribute text messages from this system.

No Obligation to Purchase or Guarantee of Credit

Consent to receive text messaging from AMS does not obligate you to purchase any product or service from AMS, nor is it a condition or requirement of any credit approval or loan transaction.

Text messages and/or phone calls from AAFMAA Mortgage Services LLC are not an offer or guarantee to extend credit or a commitment to lend.

Privacy:

By opting into receiving SMS text messages, you expressly agree to the terms of AMS’ Privacy Policy. You can view the AMS Privacy Policy on the AMS website at: https://www.yourmilitarymortgage.com/privacy-statement.

Disclaimer:

You understand and agree that AAFMAA Mortgage Services LLC (“AMS”) is not responsible for any issues that may arise due to defects in its text messaging system, your use of the text messaging system, use of your phone or cellular account by yourself or any third party who gains access, or which arise from your cellular account provider. AMS does not guarantee that text messages (sent or received) are secure, accurate or complete as text messaging systems may be intercepted, corrupted or delayed by external factors. AMS disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranty of merchantability and fitness for a particular purpose with respect to the text messaging system, and any exchanges that may occur.

It is not our policy to request nonpublic personal information from you by text message. PLEASE DO NOT SEND US YOUR NONPUBLIC PERSONAL INFORMATION VIA TEXT MESSAGE. If you need to convey nonpublic personal information to us, please call us directly at (844) 422-3622 for further assistance.

Indemnification:

By opting in to receive text messages and/or interacting with the text messaging system, you agree to indemnify AMS, its employees, agents and affiliates against any and all claims from 3rd parties that arise as a result of your use of the text messaging system. You consent to indemnify AMS against damages, expenses, penalties and legal fees that may arise including but not limited to fraud, theft or claims arising out of the Telephone Consumer Protection Act (“TCPA”).

Consumer Obligations in Case of Phone Number Change:

If you change your phone number or surrender ownership of the number you provided AMS, you agree to immediately notify AMS of that change by calling (844) 422-3622 or using our Contact Us form so that we may deactivate your number. You also agree to indemnify AMS, its employees, agents and affiliates against any and all claims that arise as a result of your failure to notify AMS of that change, including damages, expenses, penalties and legal fees that may arise. This includes but is not limited to claims arising out of the Telephone Consumer Protection Act (“TCPA”).

Report Abuse:

If you did not sign up for text messages, your cellular phone or cellular account has been compromised, you discover that an unauthorized 3rd party is using your account to contact AMS, or if you believe your number has been registered with AMS as a result of any abusive or criminal activity, please inform us immediately by calling (844) 422-3622 or using our Contact Us form.

Removal/Opting Out from Text Messaging:

If you no longer wish to receive text messages or communications from AMS, you may opt out at any time by sending the command STOP to the number that you received from AMS, calling (844) 422-3622, or using our Contact Us form. All requests to opt out will be honored within a commercially reasonable amount of time.

Complaints:

Complaints regarding AMS text messaging system, or any exchanges between you and a representative or agent of AMS or its family of companies via the text messaging system should be submitted to us by calling (844) 422-3622 or using our Contact Us form.

Available Text Commands:

While individual text messages from AMS may contain specific command instructions, the following commands may be used at any time to interact with the SMS text messaging system:

• STOP: By texting STOP to the number that you received from AMS, your number will be removed from text messaging notifications and campaigns.
• START: By texting START to the number that you received from AMS, you can re-enroll in messages.
• HELP: By texting HELP to the number that you received from AMS, you will be able to access information and help.

Language:

AMS products and services are offered only in English. Any translations of text messages into another language other than English are intended solely as a courtesy, and not an indication that an application for credit or loan transaction may occur in that language. If there is any discrepancy between the content of a text message communication from AMS in a language other than English, the English version will control.

Disputes:

By providing AMS with your number for the purpose of utilizing text messaging, you expressly consent that the laws of the State of North Carolina (NC), without regard to principles of conflict of laws, will govern the use of AMS’ text messaging system, and any dispute that might arise between you and AMS, including but not limited to claims under the Telephone Consumer Protection Act shall be resolved under the laws of North Carolina. You further agree that any action at law or in equity arising out of or relating to AMS’ text messaging system shall be filed only in the state or federal courts located in North Carolina, and you hereby consent and submit to the personal jurisdiction of such courts for the purpose of litigating any such action. You also agree that any such claims shall be subject to arbitration.

Severability:

If any term or provision of these Terms and Conditions is determined by a court of competent jurisdiction to be invalid or unenforceable, the remainder of these Terms and Conditions shall continue to be valid and enforceable.