XYZ Mortgage sends SMS messages only to users who have explicitly opted in.

Users opt in by:

• Submitting an online form with an unchecked SMS consent checkbox

• Replying YES to a confirmation message

• Texting a keyword when instructed

Message types include account notifications, appointment reminders, and service updates.

Marketing messages are sent only with separate consent.

Message frequency may vary.

Reply STOP to unsubscribe. Reply HELP for help.

Message & data rates may apply.