SMS Opt-in & Messaging Program

This page documents the Todd Hanley Mortgage Team SMS messaging program in plain language — what kinds of messages we send, how a consumer opts in, how to opt out, and where this fits with the rest of our consumer-facing communications. It is intended as a public, durable reference for consumers, regulators, and carrier-facing platforms.

This program is registered as a Customer Care use case. We do not send promotional, marketing, or solicitation text messages under this program.

1. Program Brand & Identity

2. Use Case & Message Scope

Primary Use Case — Link Delivery After Verbal Request

The principal use of this SMS program is delivery of a single templated text message containing a link — to an application, calculator, scheduling page, or document — that a consumer verbally requested during a phone consultation. Most phone consultations are conducted with an AI phone-agent assistant; the SMS itself is templated and triggered by the consumer's explicit verbal opt-in on that call. If the consumer's engagement ends after this initial link, no further messages are sent.

Follow-up Messages — Conditional on Continued Engagement

Customer-care follow-up messages are sent only if the consumer continues engaging with the specific subject they initiated — for example, by booking an appointment via the link, submitting an inquiry, returning a call, or beginning a loan application. Follow-up messages are templated and limited to the specific subject the consumer initiated, in one of these categories:

• Appointment confirmations — confirming a strategy session, consultation, or call the consumer has booked.
• Callback follow-ups — following a missed call or to schedule a callback the consumer has requested.
• Inquiry status updates — status updates on a question, rate quote, or pre-qualification inquiry the consumer has submitted.
• Document reminders — reminders to provide, review, or sign documents related to a mortgage inquiry or loan in progress.

We do not send recurring nurture or "drip" messages, and we do not text consumers who have not actively continued their engagement. Follow-up messages stop when the consumer's engagement on the initiated subject ends.

What This Program Does NOT Do

We do not send promotional offers, marketing pitches, third-party advertisements, contests, sweepstakes, recurring nurture sequences, or unsolicited content under this program. We do not share SMS opt-in information or mobile data with any third parties for marketing or promotional purposes. SMS message content is templated; we do not use free-form AI text generation to compose outbound SMS bodies. Any future marketing or broader recurring outreach would require a separate, appropriately-scoped opt-in.

3. AI / Automated Messaging Disclosure

Some phone consultations associated with this SMS program are conducted with an AI phone-agent assistant operating on behalf of the Todd Hanley Mortgage Team. The AI assistant identifies itself as part of the Todd Hanley Mortgage Team at the start of the call. When a consumer verbally requests a link during the call, the AI assistant logs the consent and triggers a templated SMS containing the requested link.

SMS messages themselves are templated — the AI is not composing free-form message bodies. Consent obtained verbally on a call with an AI assistant is treated the same as consent obtained from a human loan officer: it must be explicit, unambiguous, and tied to a specific requested action.

4. Sample Messages

Primary — Link Delivery After Verbal Request

These are the most common messages sent under this program. They are triggered by a consumer's verbal request during a phone consultation:

Secondary — Customer Care Follow-up

If the consumer continues into an inquiry or loan process, these are representative of follow-up messages:

5. How Consumers Opt In

SMS opt-in is collected through one of two methods. Both require explicit, voluntary, affirmative action by the consumer. Both are documented below.

Method A — Verbal Consent During a Phone Consultation (Primary)

The primary opt-in path. The consumer is on a phone consultation (most often with the AI phone-agent assistant identified in Section 3 above). During the call, the consumer asks for — or is offered — a link to an application, calculator, scheduling page, or document. The agent uses the following script to obtain explicit verbal consent before any SMS is sent. The call is recorded.

The recorded call with the consumer's affirmative response is retained as the consent record. The phone number, date/time of consent, the script version used, the specific link sent, and the agent identifier (AI agent ID or loan officer name) are logged in our CRM. The verbal opt-in script above is substituted when the consumer requests a calculator or scheduling link rather than an application link.

Method B — Web Form Checkbox (Secondary)

On our booking modal, consultation request form, and certain calculator lead-capture forms (including the Property Investment Report form on the DSCR calculator), an unchecked SMS-consent checkbox appears next to the message-program disclosure. The checkbox is optional, unchecked by default, and separate from any required agreement. Consumers may submit the form — and complete the underlying primary action (booking an appointment, requesting a report, etc.) — without checking the SMS-consent box. Checking the box is the only path by which the consumer affirmatively opts in to SMS via this method.

The exact disclosure language presented next to the optional checkbox is:

6. Opt-out & HELP

Consumers may opt out of SMS messaging at any time, free of charge, by any of the following methods:

• Reply STOP to any text message received from the program. Recognized stop keywords include STOP, END, CANCEL, UNSUBSCRIBE, QUIT.
• Call (954) 806-5114 and request to be removed from SMS communications.
• Email todd.hanley@uniteddirectlending.com with "SMS STOP" in the subject line.

Upon receipt of an opt-out, the consumer receives a one-time confirmation message acknowledging the opt-out, and no further SMS messages will be sent to the number under this program.

Consumers may reply HELP at any time to receive program contact information and a reminder of how to opt out.

7. Message Frequency & Fees

Message frequency varies based on the nature of the consumer's inquiry or active loan file. A consumer with an active loan in process may receive several status messages per week; a consumer who has only booked a single consultation may receive only one or two confirmation/reminder messages total.

Message and data rates may apply, depending on the consumer's mobile carrier and plan. The Todd Hanley Mortgage Team does not charge consumers for SMS messages sent under this program, but standard carrier fees outside of our control may apply.

8. Privacy & Data Sharing

SMS opt-in data is retained as required by applicable law and our regulatory recordkeeping obligations under the Telephone Consumer Protection Act (TCPA) and related rules. Full details of how we collect, use, and share personal information are available in our Privacy Policy.

9. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages. The Todd Hanley Mortgage Team operates this SMS program in good faith but cannot guarantee delivery of any individual message to any individual handset due to carrier or device issues outside our control.

10. Contact

Questions about this SMS messaging program, opt-in records, or opt-out requests should be directed to: