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 affirmatively opting in to receive SMS messages from 1st Alliance Mortgage, LLC, you agree to receive text messages related to your mortgage inquiry, loan application, and related communications.

These SMS communications are primarily transactional in nature and may include:

• Updates regarding your mortgage application
• Loan processing notifications
• Requests for documents or information
• Appointment confirmations or reminders
• Compliance-related notifications

Optional promotional or marketing messages may be sent only if you separately consent to receive them.

Message Frequency

Message frequency may vary depending on your loan status, document requests, 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 receiving SMS messages 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 communications 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 Instructions

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

Phone: 713-626-5700

Consent

By providing your mobile phone number and checking the consent box on our website or application forms, you:

• Provide express written consent to receive SMS messages from 1st Alliance Mortgage, LLC
• Confirm that you are the owner or authorized user of the mobile number provided
• Understand that consent is not required as a condition of obtaining a mortgage loan

SMS consent is collected through an affirmative opt-in process such as checking an unchecked consent box on our forms.

Data Sharing

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

SMS consent and mobile phone numbers collected for SMS communications will not be sold, rented, or shared with third parties for their independent marketing 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 Vendors

We may use third-party messaging platforms and service providers, including SMS delivery providers such as Twilio, to send messages on our behalf.

These vendors process mobile numbers solely for the purpose of transmitting communications you have consented to receive and are contractually obligated to safeguard your information.

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 Social Security numbers, bank account numbers, passwords, or other highly sensitive information 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 your 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. 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