TERMS AND CONDITIONS

Terms and Conditions

1st Alliance Mortgage, LLC
Licensed by the Texas Department of Savings and Mortgage Lending

These Terms and Conditions govern your use of the 1st Alliance Mortgage, LLC (“Company,” “we,” “our,” or “us”) website, online services, and SMS communications. By accessing our website or opting in to receive SMS messages, you agree to these Terms and Conditions.

By using our website or submitting information to us, you also agree to the terms outlined in our Privacy Policy.

1. Use of Website and Services

The content on this website is for informational purposes only and does not constitute a loan approval, commitment, or offer of credit. Any mortgage terms shown are subject to credit approval, underwriting guidelines, investor requirements, and applicable federal and Texas laws.

You agree to use this website only for lawful purposes and not in any way that harms the Company, its employees, customers, vendors, or partners.

2. No Guaranteed Accuracy

We strive to keep all information on our website accurate and up to date. However, rates, guidelines, and product information may change at any time. We do not guarantee the completeness, accuracy, or reliability of any information on the website.

You are responsible for verifying any information directly with a licensed mortgage professional.

3. Licensing Information

1st Alliance Mortgage, LLC is licensed by the Texas Department of Savings and Mortgage Lending as a Mortgage Company.

We comply with all applicable federal lending laws, including but not limited to:

• Equal Credit Opportunity Act (ECOA)
• Fair Credit Reporting Act (FCRA)
• Fair Housing Act
• Real Estate Settlement Procedures Act (RESPA)
• Truth in Lending Act (TILA)
• Gramm–Leach–Bliley Act (GLBA)

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, forms, calculators, and images, is the property of 1st Alliance Mortgage, LLC unless otherwise noted. You may not reproduce, modify, distribute, or use any content without our prior written permission.

5. No Professional Advice

Information on this website is not legal, financial, or tax advice. You should consult appropriate professionals before making financial decisions.

6. Limitation of Liability

To the fullest extent permitted by law, 1st Alliance Mortgage, LLC is not liable for any damages arising from:

• Your use or inability to use the website
• Errors, omissions, or inaccuracies on the site
• Unauthorized access to or alteration of your data
• Issues caused by third-party tools, links, or vendors

Your sole remedy for dissatisfaction with the site is to stop using it.

7. External Links

Our website may contain links to third-party sites. We do not control or endorse those websites and are not responsible for their content, policies, or accuracy.

8. Security and Transmission of Information

Online communications, including emails and SMS messages, may not always be secure. Do not send sensitive personal information such as Social Security numbers, passwords, or full bank account numbers via SMS or unsecured email.

We take commercially reasonable steps to protect data submitted through our website, but no method of electronic transmission is completely secure.

9. SMS Terms and Conditions

By providing your mobile phone number and affirmatively opting in through our website or application forms, you agree to receive SMS text messages from 1st Alliance Mortgage, LLC regarding your loan inquiry, application updates, document requests, and loan status notifications.

Message Purpose

SMS messages are strictly transactional and relate to your interaction with our mortgage services. These messages may include:

• Loan inquiry follow-ups
• Application status updates
• Requests for documents or information
• Loan processing notifications
• Appointment reminders

We do not send marketing or promotional SMS messages unless you provide separate, explicit consent.

Message Frequency

Message frequency varies based on your loan activity and communication needs.

Message and Data Rates

Message and data rates may apply depending on your mobile carrier and service plan.

Opt-Out Instructions

You may opt out of SMS communications at any time by replying:

STOP – to unsubscribe
HELP – for assistance

After replying STOP, you will receive a confirmation message and will no longer receive SMS messages from us unless you re-enroll.

Opting out of SMS messages will not affect legally required communications that may be delivered through other channels such as email, phone, or postal mail.

Help and Contact Information

For assistance, reply HELP to any message or contact us directly:

Phone: 713-626-5700

Consent

By checking the consent box on our forms, you:

• Provide express written consent to receive SMS text messages from 1st Alliance Mortgage, LLC
• Understand messages relate to your loan inquiry, application updates, document requests, and loan status notifications
• Acknowledge that message frequency varies and message/data rates may apply
• Understand you can reply STOP to opt out or HELP for help
• Understand that consent is not a condition of obtaining a loan
• Confirm you are the authorized user of the mobile number provided

SMS consent is collected through an affirmative opt-in process and is not pre-selected.

Data Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Mobile phone numbers and SMS opt-in data may only be shared with vendors and service providers that assist us in delivering communications on our behalf and who are contractually obligated to protect your information.

Third-Party Messaging Providers

We may use third-party service providers, including SMS delivery platforms such as Twilio, to send messages on our behalf. These providers are contractually obligated to use your information only for communication delivery purposes and to safeguard your data.

Carrier Disclaimer

SMS services are available through participating mobile carriers. Carrier participation may vary.

Mobile carriers are not responsible for delayed or undelivered messages.

Security Notice

SMS is not a secure communication channel. Do not send sensitive personal information such as Social Security numbers, bank account numbers, or passwords via text message.

Privacy

Your use of our SMS services is governed by our Privacy Policy.

10. Modifications to Terms

We may update these Terms and Conditions at any time. Updates will be posted on this page. Continued use of the website or SMS services indicates acceptance of any updated terms.

11. Contact Information

1st Alliance Mortgage, LLC

Phone: 713-626-5700
Email: [email protected]
Website: https://www.1stalliancemortgage.com