AGREEMENT TO TERMS

By accessing or using the website at mohavemortgages.net, submitting any form, or communicating with Mohave Mortgage (HCG Marketing Inc, NMLS #1830581) through any channel, you agree to be bound by these Terms of Service. If you do not agree, please discontinue use immediately.

ELIGIBILITY — YOU MUST BE 18 OR OLDER

You must be at least 18 years of age to use this website, submit any form, or consent to communications from Mohave Mortgage. By using this site or submitting your contact information, you represent and warrant that you are 18 years of age or older. Mohave Mortgage does not knowingly collect information from or communicate with individuals under the age of 18.

SMS / TEXT MESSAGE PROGRAM

Mohave Mortgage operates an SMS text messaging program to communicate with clients and prospective clients. The following terms govern your participation in that program.

What Messages We Send By opting in, you may receive text messages related to: mortgage loan inquiries and application status updates; rate information and loan product details; appointment reminders and scheduling confirmations; document requests and follow-up communications; and promotional offers related to our mortgage services.

How You Consent to Receive SMS Messages You may opt in to receive SMS messages from Mohave Mortgage through any of the following methods:

— By checking the SMS consent checkbox on any web form on this site, including our Quick Quote form and Apply Now form, and submitting your phone number.

— By texting a designated keyword to our SMS number as displayed in any active campaign.

— By verbally providing consent during a phone consultation or in-person meeting with a Mohave Mortgage team member.

— By submitting your phone number and consent through a third-party referral or co-registration form that discloses Mohave Mortgage as a recipient of your information.

Consent to receive SMS messages is never required as a condition of purchasing any product or service from Mohave Mortgage.

Message Frequency Message frequency varies based on your loan status, inquiry type, and communication preferences. You may receive multiple messages per week during active loan processing.

Message and Data Rates Standard message and data rates may apply depending on your mobile carrier and plan. Mohave Mortgage is not responsible for any charges imposed by your carrier.

How to Opt Out You may cancel SMS messages at any time by replying STOP to any message you receive from us. Upon receipt of your STOP request, you will receive one final confirmation message and no further SMS messages will be sent. You may re-enroll at any time by texting START or by re-submitting your consent through any of the opt-in methods listed above.

How to Get Help Reply HELP to any message for assistance, or contact us directly at: Phone: 928-706-1451 Email: [email protected]

No Sharing of Phone Numbers Your mobile phone number will not be sold, rented, or shared with third parties for their own marketing or SMS messaging purposes.

Supported Carriers Our SMS program is available on all major U.S. carriers. Carrier support is not guaranteed for MVNO or regional carriers.
Privacy Policy: For privacy-related inquiries, please refer to our Privacy Policy at https://mohavemortgages.net/privacy-policy

CARRIER LIABILITY DISCLAIMER

Mohave Mortgage is not affiliated with, endorsed by, or sponsored by any wireless carrier. Wireless carriers such as AT&T, Verizon, T-Mobile, and others are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission and network availability. Mohave Mortgage shall not be liable for any delays or failures in the receipt of any SMS messages connected with our program. Delivery of SMS messages is not guaranteed and may be affected by factors outside our control, including but not limited to carrier network outages, device compatibility, and geographic coverage limitations.

WEBSITE USE

This website is provided for informational purposes related to mortgage products and services. You agree not to use this site for any unlawful purpose, to transmit harmful or fraudulent content, to impersonate any person or entity, or to interfere with the operation of the site or its infrastructure.

NO LOAN GUARANTEE

Nothing on this website constitutes a loan commitment, pre-approval, or guarantee of financing. All loan applications are subject to underwriting review, investor guidelines, and applicable federal and state regulations. Rates and terms are subject to change without notice.

INTELLECTUAL PROPERTY

All content on this website, including text, graphics, logos, and images, is the property of HCG Marketing Inc DBA Mohave Mortgage and is protected by applicable copyright and trademark law. Unauthorized reproduction or distribution is prohibited.

THIRD-PARTY LINKS

This site may contain links to third-party websites for your convenience. Mohave Mortgage does not endorse or control the content of those sites and assumes no responsibility for their accuracy, privacy practices, or terms.

DISCLAIMER OF WARRANTIES

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

LIMITATION OF LIABILITY

To the fullest extent permitted by law, Mohave Mortgage and HCG Marketing Inc shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of your use of, or inability to use, this website or any communications channel.

GOVERNING LAW

These Terms of Service are governed by the laws of the State of Arizona, without regard to its conflict of law provisions. Any disputes arising under these terms shall be subject to the exclusive jurisdiction of the courts located in Mohave County, Arizona.

CHANGES TO THESE TERMS

Mohave Mortgage reserves the right to update or modify these Terms of Service at any time. Changes will be posted on this page with an updated effective date. Continued use of the website or participation in the SMS program after changes are posted constitutes your acceptance of the revised terms.

CONTACT US

Mohave Mortgage | HCG Marketing Inc 2170 McCulloch Blvd N, Suite C Lake Havasu City, AZ 86403

Email: [email protected] NMLS #1830581