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SMS Terms of Service

Théos Financial Inc.
23734 Valencia Blvd, Suite 206
Valencia, CA 91355

Effective Date: April 16, 2026

1. Program Description

Théos Financial Inc. ("Théos Financial," "we," "us," or "our") operates a text-messaging program to communicate with consumers and customers about mortgage loan inquiries and applications. By opting in, you agree to these SMS Terms of Service and to our Privacy Policy, which is incorporated by reference.

Program Name: Théos Financial Loan Application Updates

Types of Messages You May Receive:
- Account verification and one-time security codes.
- Loan application status updates and milestone notifications.
- Document requests and reminders to upload supporting documents.
- Loan condition, disclosure, and closing-document notices.
- Appointment confirmations and schedule changes.
- Responses to customer-service questions you have asked us.
- If you have separately opted in to marketing messages: rate alerts, new-product announcements, and promotional offers.

Marketing text messages are never sent unless you have separately opted in. Consent to receive marketing text messages is not a condition of applying for, receiving, or being approved for any loan or service from Théos Financial.

2. How to Opt In

You may opt in to the program by:

- Checking the SMS consent checkbox when you submit a loan application, registration form, or contact form on our website.
- Sending a text message to the short code or long code number we provide after verbal or written permission given to one of our licensed loan officers.
- Replying "START," "YES," or "SUBSCRIBE" to a message requesting your consent.

When you opt in, we record the date and time of your consent, your IP address, the wording of the opt-in prompt you saw, and (where applicable) your browser user agent, to document your consent as required by the Telephone Consumer Protection Act (TCPA) and industry best practice.

3. Message Frequency

Message frequency varies based on the activity of your loan application and your interactions with us. Transactional messages are sent only as needed. If you have separately opted in to marketing messages, you will receive no more than ten (10) marketing messages per month.

4. Message and Data Rates

Message and data rates may apply to each message sent or received. Please check with your wireless carrier for details on the cost of text messages. Théos Financial is not responsible for any charges you incur from your wireless carrier.

5. How to Opt Out (STOP)

You can cancel the SMS service at any time. Simply text "STOP" to the number from which you received a message. After you send "STOP," we will send you one final confirmation message and will stop sending text messages to your phone number. You may continue to receive messages for a short period while we process your opt-out request. You may also opt out by contacting us using the information in Section 11.

6. How to Get Help (HELP)

If at any time you need assistance or have questions about this program, reply "HELP" to any message we send and you will receive information about how to contact us, or contact us directly using the information in Section 11.

7. Supported Carriers

This program is compatible with most major U.S. wireless carriers, including but not limited to AT&T, Verizon Wireless, T-Mobile, Sprint, US Cellular, Boost Mobile, Cricket, MetroPCS, and Virgin Mobile. Wireless carriers are not liable for delayed or undelivered messages.

8. Privacy and Data Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information described in our Privacy Policy exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Phone numbers and opt-in data collected for the SMS program are not sold, rented, shared, or otherwise transferred to any third party for marketing, promotional, or advertising purposes, including to subsidiaries, affiliates, data brokers, or resellers. SMS data may be shared only with service providers that help us operate the program (such as our SMS platform provider and the wireless carriers who route the messages), and only to the extent necessary to deliver the messages you have requested.

For full details on how we handle your personal information, see our Privacy Policy.

9. Eligibility

You must be at least 18 years of age and a legal resident of the United States to participate in this program. By opting in, you represent and warrant that you are at least 18, that you are the subscriber or customary user of the mobile phone number you have provided, and that you have the authority to consent to receive text messages at that number.

10. Changes to These Terms

We may update these SMS Terms of Service from time to time. When we do, we will revise the "Effective Date" above and, where material changes are made, provide additional notice. Your continued participation in the program after any changes constitutes your acceptance of the updated terms.

11. Contact Us

For questions, complaints, or support regarding our SMS program:

Théos Financial Inc.
Attn: SMS Program Manager
23734 Valencia Blvd, Suite 206
Valencia, CA 91355
Phone: [INSERT PHONE NUMBER]
Email: sms@theosfinancial.com (preferred) / info@theosfinancial.com
NMLS ID: 2685114
A2P 10DLC Brand Registration: [INSERT TCR BRAND ID AFTER REGISTRATION]
A2P 10DLC Campaign ID: [INSERT TCR CAMPAIGN ID AFTER REGISTRATION]

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Before publishing, confirm with counsel:
1. Program phone number / short code and confirm it is registered with The Campaign Registry (TCR) for A2P 10DLC.
2. Actual campaign vetting score, brand registration, and campaign use case with your SMS provider (Twilio, RingCentral, etc.).
3. Contact phone and email for the SMS program manager.
4. Specific monthly frequency cap if you intend to be more restrictive than ten marketing messages per month.