TCPA Compliance Policy

This policy outlines how Modern Mortgage, along with our affiliates, partners, and service providers (collectively, "we," "us," or "our"), communicates with you and how we comply with the Telephone Consumer Protection Act ("TCPA"). This policy is a supplement to our general Privacy Policy and Terms of Service.

1. Express Written Consent and Scope of Communication

You agree to receive communications, including calls, text messages, and emails, to the phone number(s) you have provided. This consent covers contact for purposes of:

• Marketing and promotional communications
• Lead generation and follow-up
• Loan application status updates
• General customer service
• Mortgage-related information and services

You acknowledge that this communication may be generated using an automatic telephone dialing system (ATDS), an artificial voice, or a prerecorded voice, even if your phone number is on a national, state, or company-specific Do-Not-Call list.

2. Message and Data Rates

You understand and agree that standard message and data rates may apply to any text messages you send to or receive from us, depending on your mobile carrier's plan. We are not responsible for any charges incurred as a result of receiving text messages from us.

3. Message Frequency and Delivery

The number of communications you receive will vary based on:

• Your level of engagement with our services
• The status of your loan application
• Your communication preferences

We will make reasonable efforts to limit our communications to only what is necessary to respond to your inquiries and provide you with information about our services. Text messages are not a guaranteed form of delivery, and we are not liable for any delays or failures in delivery.

4. Your Right to Revoke Consent (Opt-Out)

You have the right to revoke your consent at any time.

For Text Messages:

To opt-out of receiving text messages, you can reply to any message with the keyword "STOP", "UNSUBSCRIBE", or "CANCEL". After sending this message, you will receive a single confirmation message that you have been successfully unsubscribed and will receive no further messages from our automated system.

For Phone Calls:

To stop receiving automated or live phone calls, you may request to be placed on our internal Do-Not-Call list by:

• Calling us at (209) 818-2156
• Sending a written request to Gabe@TheTuberaTeam.com with the subject line "Do-Not-Call Request"

Please allow a reasonable time for us to process your request. You acknowledge that replying "HELP" to any of our text messages will prompt a response with our contact information and a link to our Terms of Service.

5. No Consent Required for Purchase or Service

6. User's Representation and Contact Information

By providing a phone number, you represent that you are the true owner and authorized user of the number. You agree to promptly notify us if your phone number changes or if you are no longer the authorized user of that number. You agree to indemnify us for any claims, costs, or damages arising from your failure to provide accurate contact information.

7. Contact Information

For questions or concerns about this policy, or to manage your communication preferences, please contact us: