SMS Terms & Conditions

1. Program Description

When you opt in to SMS communications from Advantage First Financial, LLC ("we," "us," or "our"), you consent to receive recurring text messages at the mobile phone number you provided. These messages may include:

• Loan inquiry status updates and application notifications
• Promotional offers for personal loans, consolidation loans, and related financial products
• Payment reminders and account-related alerts
• Informational content related to your financial goals

Messages may be sent using an automatic telephone dialing system (autodialer) or conversational messaging technology.

2. Message Frequency

You may receive up to 10 messages per month. Actual message frequency will vary based on your interactions and the status of your loan inquiry.

3. Message & Data Rates

Message and data rates may apply depending on your mobile carrier and wireless plan. Advantage First Financial is not responsible for any charges incurred from your carrier for sending or receiving text messages.

4. Opt-Out Instructions

You may opt out of receiving SMS messages at any time by texting STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message, and no further SMS messages will be sent to your number unless you re-subscribe.

5. Help & Support

For help with our SMS program, text HELP to any message, or contact us directly:

6. Consent Not Required

Consent to receive SMS messages is not a condition of purchasing any product, applying for any loan, or receiving any financial service from Advantage First Financial, LLC.

7. Supported Carriers

Our SMS program is compatible with most major US mobile carriers, including but not limited to:

AT&T · Verizon · T-Mobile · Sprint · U.S. Cellular · Boost Mobile · MetroPCS · Cricket Wireless · Virgin Mobile · Google Fi · Mint Mobile · Visible

Carriers are not liable for delayed or undelivered messages. T-Mobile is not liable for delayed or undelivered messages.

8. No Data Sharing for SMS

We do not sell, rent, loan, trade, lease, or otherwise transfer for profit any phone numbers or personal information collected through our SMS program to any third party for their marketing purposes. Your information is used solely to facilitate your loan inquiry and related Advantage First Financial communications.

9. Privacy

Your privacy is important to us. Please review our full Privacy Policy for details on how we collect, use, and protect your personal information including your mobile phone number.