Texting Terms and Conditions

Reverse Mortgage Funding LLC - Short Code 23386

NOTICE. Before providing express written consent (“Opt-In”) to participate in Reverse Mortgage Funding LLC’s (“RMF”) text messaging program (“Program”), you should carefully read the following disclaimers and terms and conditions. The Program is provided for informational purposes only. Your Opt-In constitutes your agreement to all terms and conditions herein. If you do not agree to the terms and conditions below, do not Opt-In to participate in the Program.

AGREEMENT. This agreement (“Agreement”) describes the terms and conditions on which RMF allows access to, and use of, the Program. You accept and agree to be bound by these terms and conditions as well as any other applicable terms and agreements related to your use of RMF services.

PROGRAM PARAMETERS. The Program may include one-time or recurring texts related to items including appointment reminders, general follow-ups, and/or other content. At enrollment for recurring texting programs, the frequency, number of texts, and information on how to unsubscribe and seek assistance are all specified. In all programs, you may text STOP to stop messaging and HELP for help. Text messages will be sent to your mobile number using an automatic dialing system. Message and Data rates may apply. Text messaging may not be available via all carriers.

OPT-IN. By Opting-In, you (a) authorize RMF to use autodialer and/or non-autodialer technology to send text messages to the cell phone number associated with your Opt-In; (b) authorize RMF to include marketing content in any such messages; (c) confirm that you are the subscriber to the relevant phone number (or are the customary user of that number on a family or business plan) and that you are authorized to Opt-In. You do not have to Opt-In or agree to Opt-In as a condition of purchase. All Opt-Ins will include the following disclosures (or link thereto):

By selecting “Submit,” you agree to our SMS Terms, Privacy Policy, and are providing your signature and express "written" consent to receive notifications and updates from Reverse Mortgage Funding LLC, its affiliates and/or agents (collectively Company) at the phone number provided. You further agree that Company may use automatic telephone dialing systems in connection with such communications and that consent applies regardless of whether you previously registered on a "do not call" government registry or requested that Company not send marketing information to you via email and/or direct mail. Message and data rates may apply. Frequency may vary. Text STOP to 23386 to opt out or HELP for help. Consent is not required to obtain services or transact with Company. You understand that you can revoke this consent at any time.

When you opt-in to the service, you will receive a message asking you to confirm. Text YES to 23386 to receive RMF Alerts. Message and data rates may apply. Message frequency will vary based on use. Text "HELP" for help. Text "STOP" to cancel.

OPT-OUT. If you no longer want to receive text messages from RMF, the sole and exclusive remedy is to end enrollment in the Program (“Opt-Out”). You may Opt-Out at any time by texting "STOP" to 23386. After you send the “STOP” message you will receive a message confirming cancellation after which you will no longer receive messages from RMF (unless you follow above steps to re-register).

HELP. Should you forget what keywords are supported, text "HELP" to 23386. After you send the “HELP” message you will receive a message with Program instructions including how to unsubscribe. You may also send an email to ccgroup@reversefunding.com (or call 855-479-5840) for assistance.

PARTICIPATING CARRIERS. AT&T, Verizon Wireless, Sprint, T-Mobile, U.S. Cellular, Boost Mobile, MetroPCS, Virgin Mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN), Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWireless (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP Corporation), Thumb Cellular, Union Wireless, United Wireless, Viaero Wireless, and West Central (WCC or 5 Star Wireless).

T-Mobile is not liable for delayed or undelivered messages.

MESSAGE & DATA RATES. Message and data rates may apply for any messages sent or received. Should you have questions about your text or data plan, it is best to contact your wireless provider.

NUMBER CHANGE. Please notify us immediately if your mobile number changes. We are not liable for any communication or transmission of information by text which happens because you did not report that your mobile number changed. Password-protecting mobile device(s) and enabling encryption, if available, is recommended.

DISCLAIMERS. RMF is not responsible for any inaccuracies, errors, and/or omissions transmitted through, nor for results obtained from, participation in the Program. The Program is provided "as is" and "as available," with no guarantee of completeness and/or accuracy and without warranty of any kind, express or implied, including, but not limited to, warranties of title, non-infringement, performance, merchantability and fitness for a particular purpose or use. You agree that under no circumstance will RMF or our agents, officers or employees thereof be responsible for or liable to you or anyone else for: content conveyed through text messaging (including reliance on such, incompleteness, inaccuracies), Program defects, consequences of any decision (or lack thereof) based on Program content. If you are dissatisfied with any portion of the Program, or with any of these terms of use, your sole and exclusive remedy is to end enrollment in the Program.

RMF likewise does not guarantee the successful delivery of text messages by your wireless provider. Messages sent by text may not be delivered if the mobile device is not in range of a transmission site or if sufficient network capacity is not available at a particular time. Even within a coverage area, factors beyond the control of wireless carriers may interfere with message delivery, including the terrain, proximity to buildings, foliage, weather, and the recipient's equipment. RMF will not be liable for losses or damages arising from non-delivery, delayed delivery, or misdirected delivery of a text message.

LIMIT ON DAMAGES. RMF and its agents, officers or employees shall not be liable for any loss of profits, loss of use, loss of data, interruption of business, nor for indirect, special, incidental, consequential or exemplary damages of any kind, whether under this agreement or otherwise arising in any way in connection with or related to the Program (and/or reliance on such) including inability to participate, error, and/or omission, regardless of whether such claim arises under any theory of tort, contract, strict 3 liability or otherwise and regardless of whether RMF is advised of the possibility of any such damages. Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above exclusion or limitation may not apply to you.

SUBMISSIONS. All information you submit to RMF via the Program will be considered the property of RMF, and RMF is free to utilize any information you submit pursuant to its Privacy Policy, Internet Privacy Statement, and Mobile Privacy Statement.

PRIVACY. Use of the Program is governed by RMF's Privacy Policy, Internet Privacy Statement, and Mobile Privacy Statement. For California consumers: For information about our privacy practices, please visit https://www.reversefunding.com/privacy.

INDEMNITY. You agree to indemnify RMF and its directors, officers and employees against any liabilities, losses, expenses or other costs RMF incurs arising from a breach of any of the terms hereof by you.

SUSPENSION AND TERMINATION. RMF may modify, terminate, and/or suspend your access to the Program at any time, without notice including, for example, before you have received any or all messages that you otherwise would have received. RMF may also at any time discontinue providing the Program, or any part thereof, with or without notice.

AMENDMENTS / MODIFICATIONS. RMF reserves the right to change, modify, add or remove any portion of this Agreement in whole or in part, at any time, by posting the amended terms on this site. The new terms shall automatically be effective and binding on you 15 days after they are initially posted. Your continued enrollment in the Program after any such changes will be considered acceptance of such. This Agreement may not otherwise be amended.

GOVERNING LAW. This Agreement is governed by the laws of the State of New York, U.S.A., without regard to its principles of conflict of laws. The Program is not intended for use by any person, or within any jurisdiction, for whom / where such would be contrary to local law or regulation, would subject RMF to any liability or would not give effect to all the provisions in this Agreement. You may not participate in the Program where such is illegal or prohibited or where such would subject RMF or its affiliates to any liability.

ILLEGAL ACTIVITIES. It is prohibited to use the Program in violation of the terms herein, in any manner which could damage, disable, interrupt, overburden, or impair the Program or for any illegal activities. You shall comply with all applicable laws, statutes, ordinances, and regulations regarding your participation in the Program.

DISPUTE RESOLUTION AND AGREEMENT TO ARBITRATE. We want to address your concerns without the need to initiate a formal legal case. Before filing a claim against RMF, you agree to try to resolve the dispute informally by contacting inquiries@reversefunding.com. We'll try to resolve the dispute informally by contacting you. If a dispute is not resolved within 15 days of submission, you or RMF may bring a formal proceeding. To the extent permitted by applicable law, any controversy or claim (“Claim") you have relating to this Agreement and/or participation in the Program shall be subject to final and binding arbitration resolved by a single impartial arbitrator pursuant to proceedings administered by the American Arbitration Association (“AAA”) under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes. For more information about the AAA and its applicable arbitration rules, procedures and fees, click here http://www.adr.org or call the AAA at 800- 4 778-7879. Any such Claim shall be brought solely by you as an individual and not as part of, or as a representative of, a class. Any arbitration relating to this Agreement shall be held in New York County, New York. The AAA rules will govern payment of arbitration fees. The losing party, as determined by the arbitrator, will pay all costs and fees associated with arbitration. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof. By virtue of this agreement to arbitrate, you acknowledge that you are waiving any right to sue in court, and that arbitration is your sole, final and binding remedy to resolve disputes. The federal or state courts of New York County, New York shall have exclusive jurisdiction and venue over: (i) the enforceability of this arbitration provision’s restriction on your right to participate in or pursue a class action or class-wide arbitration; (ii) any action concerning the enforcement of an arbitration award; or (iii) if arbitration is not permitted by law, then any Claim you have arising out of or relating to these Terms of Use. You agree to unconditionally and irrevocably submit to the exclusive jurisdiction and venue of such courts and you will not object to such jurisdiction and venue on the grounds of lack of personal jurisdiction, inconvenient forum or otherwise. EACH PARTY IRREVOCABLY WAIVES ANY AND ALL RIGHT TO TRIAL BY JURY IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATED TO THESE TERMS OF USE.

COMPLETE AGREEMENT/NO REPRESENTATIONS. This Agreement constitutes the entire agreement between you and RMF relating to your access to and participation within the Program. RMF's failure to insist at any time upon strict compliance with any term of this Agreement, or any delay or failure on RMF's part to exercise any power or right given to RMF in this Agreement, or a continued course of such conduct on RMF's part, shall at no time operate as a waiver of such power or right, nor shall any single or partial exercise preclude any other future exercise. All rights and remedies given to RMF in this Agreement are cumulative and not exclusive of any other rights or remedies which RMF otherwise has at law or equity. Any rights not otherwise expressly granted by this Agreement are reserved by RMF. Captions are for convenience only. If any part of this Agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Agreement shall continue in effect. The provisions of this Agreement which expressly or by implication are intended to survive its termination will survive and continue to bind both you and RMF.