SMS Terms & Conditions

These SMS Terms and Conditions ("SMS Terms") govern your participation in the text messaging program operated by Lending Capital ("we," "us," or "our"). By providing your mobile number and opting in to receive text messages from us, you agree to be bound by these SMS Terms, which are incorporated by reference into our Terms of Use and Privacy Policy. If you do not agree to these SMS Terms, do not opt in to our text messaging program.

1. Program Description

Our SMS program is used to send you information and communications related to your inquiry, loan application, account servicing, and other lending-related matters. Message types may include appointment reminders, loan status updates, document requests, pre-approval notifications, and responses to your questions. These messages are intended to facilitate communication regarding Lending Capital's lending services only.

2. Opt-In & Consent

By providing your mobile telephone number on our website forms, over the telephone, or through any other intake method, you expressly consent to receive automated and non-automated text messages from Lending Capital, its affiliates, and service providers at the number you provide. Consent to receive messages is not a condition of any loan or service, and you may revoke consent at any time. Message and data rates may apply depending on your mobile carrier plan.

3. Message Frequency

Message frequency varies based on your interactions with us. Typical message frequency is up to several messages per week during an active loan inquiry or application, and may decrease once servicing is complete. You will not receive more messages than are reasonably necessary to communicate with you about your inquiry or loan.

4. How to Opt Out

You may cancel the SMS service at any time by replying "STOP," "END," "CANCEL," "UNSUBSCRIBE," or "QUIT" to any message received from us. Upon opting out, we will send a single confirmation message to confirm you have been unsubscribed. If you opt out and later wish to resume receiving messages, you may opt back in by replying "START," "YES," or "UNSTOP," or by providing consent again through our website or with a Lending Capital representative.

You may also opt out by contacting us directly at 800-648-0690 or info@lendingcapitalonline.com. Please note that opting out of SMS messages does not cancel any loan obligation or affect any existing loan agreement with Lending Capital.

5. Help & Support

For help with our SMS program at any time, reply "HELP" to any message received from us, or contact us at 800-648-0690 or info@lendingcapitalonline.com. Our support hours are Monday through Friday, 8:00 a.m. to 5:00 p.m. Pacific Time.

6. Carrier Requirements & Liability

Lending Capital is not liable for delayed or undelivered messages. Delivery of text messages is dependent on your mobile carrier and network availability. We do not guarantee that any message will be delivered, received, or stored, and we are not responsible for any carrier or technical failures. Carriers are not liable for delayed or undelivered messages. Standard message and data rates may apply according to your mobile service plan.

7. Eligibility

You must be at least 18 years of age and the owner of the mobile number provided to participate in our SMS program. You represent that you are authorized to use the mobile number you provide and that you consent to receive text messages at that number.

8. Information We May Send

Types of messages you may receive include, without limitation:

• Loan application status and pre-approval notifications
• Document and information requests related to your loan
• Appointment reminders and follow-up scheduling
• Closing and funding confirmations
• Account servicing and payment reminders
• Responses to questions you submit

9. Privacy

Information collected through our SMS program is handled in accordance with our Privacy Policy. We do not sell your mobile number or the content of your messages. For details on how we collect, use, and protect your information, please review our Privacy Policy.

10. Modifications

We reserve the right to modify these SMS Terms at any time. Any changes will be posted on this page with an updated "Last Updated" date. Your continued participation in the SMS program after changes are posted constitutes acceptance of the revised terms.

11. Governing Law

These SMS Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. Any disputes arising out of or relating to these SMS Terms or our SMS program shall be resolved in the courts located in the State of California.

If you have any questions about these SMS Terms & Conditions, please contact us at 800-648-0690 or info@lendingcapitalonline.com.

Last Updated: July 2026