SMS Terms & Conditions

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The HELOC Company uses SMS communication to engage with customers and prospective customers through text messaging. We may use an Automated Telephone Dialing System (“ATDS”) to leave a prerecorded message or ringless voicemail. We may also use manual dialing to send messages to contact customers regarding our services, loan status, or compliance management.

Opt-In: The HELOC Company will obtain your express written consent either digitally during your online inquiry, application, or response, or during another point of interaction with us before sending SMS messages through any ATDS process. You must opt in to receiving messages related to marketing communication. We may send you messages related to your loan transaction with us.

Opt-Out: You can opt-out of receiving SMS Messages at any time by replying with “STOP”, “UNSUBSCRIBE”, or other similar keywords. We may send a text to confirm your revocation request for informational messages, but upon opting out, no further sales or promotional messages will be sent unless you opt-in again. 

Message frequency may vary depending upon the nature of our interaction with you. You can manage or unsubscribe at any time.

The HELOC Company adheres to strict data privacy and security protocols. Your personal data collected through SMS interactions is used solely for communication purposes and is protected under our Privacy Policy. Data is not shared with third parties unless explicitly agreed upon you.

Standard messaging rates may apply based on your mobile carrier and plan. The HELOC Company  is not responsible for any charges incurred from SMS communication. Consult your mobile service provider for details on SMS charges.

The HELOC Company complies with all relevant regulations, including the Telephone Consumer Protection Act (TCPA) and other federal and state laws governing SMS communication, including that messages are only sent within permitted hours and that we have obtained your consent.  

The HELOC Company is not liable for any delays, failures in delivery, or issues that arise from the use of SMS communication. The service is provided "as is," and users acknowledge that there may be occasional interruptions due to technical issues.

Users are responsible for maintaining the security of their mobile devices and ensuring that their contact information is accurate and up to date. Users should notify the company if they change their mobile number to avoid miscommunication.

For any questions or assistance related to SMS communication, contact The HELOC Company support call us at (800) 218-3991.