SMS Terms & Conditions

About this messaging program

This SMS program is operated by talktojosh.net LLC ("we," "us," "our"), the business of Joshua Mcdowell, through the website talktojosh.us.

What messages you will receive

Messages in this program may include:

• Replies to your home purchase, refinance, or HELOC inquiry
• Booking confirmations, reminders, and join links for scheduled consultations
• Registration confirmations, reminders, and join links for our Virtual Home Buying Seminar (VHBS)
• Promotional information about home purchase, refinance, and HELOC options and upcoming seminars (only if you checked the promotional consent box)
• Responses to questions you send us by text

How you opt in

You opt in by checking the SMS consent box(es) on the contact form on this website and submitting your mobile number. Promotional messages are sent only if you check the separate promotional consent box.Consent to receive text messages is not a condition of applying for, receiving, or purchasing any loan, product, or service.

Message frequency

Message frequency varies based on your activity and where you are in the loan process. You may receive several messages per week during an active application and few or none at other times.

Cost

Message and data rates may apply. These charges come from your mobile carrier, not from us. Check your mobile plan for details.

How to opt out

Reply STOP to any message at any time to cancel. You may also reply QUIT, END, CANCEL, UNSUBSCRIBE, or REVOKE.

After you send one of these, we will send a single confirmation message and then stop sending you messages in this program. You may still receive messages from us through other channels, such as phone calls or email, unless you ask us to stop those as well.

If you opt out and later want to resume, opt in again using any method above.

How to get help

Reply HELP to any message for assistance, or contact us directly:

Phone: (828) 238-2682

Email: jmcdowell@nexalending.com

Carrier disclaimer

Mobile carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your mobile carrier and is not guaranteed.

Supported carriers

This program supports major U.S. wireless carriers, including AT&T, Verizon Wireless, T-Mobile, and Sprint, as well as many regional and prepaid carriers. Carrier participation may change.

Eligibility

You must be at least 18 years old and the authorized account holder or user of the mobile number you provide. You agree to notify us if you stop using that number.

Privacy

Your information is handled according to our Privacy Policy. We do not share or sell your mobile number or your SMS consent with third parties or affiliates for their marketing purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Changes

We may update these terms. The current version is always the one posted at talktojosh.us/sms-terms.

Contact

talktojosh.net LLC

Joshua Mcdowell

talktojosh.net LLC, 942 23rd Ave NE, Hickory, NC 28601

Phone: (828) 238-2682

Email: jmcdowell@nexalending.com