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,” “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 agree to the terms outlined in this 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 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 or full bank account numbers via SMS or 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 opting in to receive SMS Messages from 1st Alliance Mortgage, LLC, you agree to the following:

Purpose of SMS Messages

SMS messages may include:

• Updates on your mortgage application

• Loan processing notifications

• Document requests or reminders

• Appointment or communication alerts

• Optional promotional or marketing messages (only if you opt in)

Consent to Receive Messages

By providing your mobile number, you:

• Give express written consent to receive SMS messages

• Confirm you are the owner or authorized user of the number provided

• Understand that consent is not required to apply for or receive a loan

Message Frequency

Message frequency varies based on loan activity and communication needs.

Opt-Out Instructions

You may stop receiving SMS messages at any time by:

• Replying STOP to any message, or

• Contacting us at 713-626-5700 or [email protected]

After opting out, you may still receive legally required communications through other channels (email, phone, mail).

Message and Data Rates

Standard messaging and data rates may apply depending on your mobile plan.

Third-Party Messaging Vendors

We may use third-party vendors or platforms to send SMS messages. All vendors are required to comply with applicable privacy and security laws.

Security Notice

SMS is not a secure channel. Do not send Social Security numbers, passwords, bank account numbers, or other highly sensitive personal data via text message.

Privacy

Your use of our SMS service is governed by our Privacy Policy. By opting in, you agree to the collection and use of information as described in that policy.

10. Modifications to Terms

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

11. Contact Information

1st Alliance Mortgage, LLC

Phone: 713-626-5700

Email: [email protected]

Website: www.1stalliancemortgage.com

What does 1st Alliance Mortgage LLC do with your personal information?