terms and conditions

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Effective Date: 9/5/2025

1. Agreement to Terms

By accessing or using our website (mspmortgage.com) or enrolling in our SMS communication services, you explicitly agree to be bound by these Terms and Conditions and our Privacy Policy. If you do not agree to these Terms, you may not access or use our services.

2. About MSP Mortgage

MSP Mortgage LLC provides a comprehensive suite of residential and investor-focused loan products. Our offerings include, but are not limited to, conventional loans, FHA loans, VA loans, DSCR (Debt Service Coverage Ratio) loans, fix & flip loans, construction loans, HELOCs (Home Equity Line of Credit), and foreign national loans. We strive to offer diverse financial solutions to meet the varied needs of our clients.

3. Eligibility

To use our services, you must be at least 18 years old and legally eligible to enter into binding contracts in your jurisdiction. You agree to provide accurate, current, and complete information during any registration or application process and to update such information as necessary to keep it accurate, current, and complete.

4. SMS Terms (10DLC / TCR Compliance)

By providing your phone number and opting in to receive SMS messages from MSP Mortgage LLC, you expressly consent to receive both promotional and informational text messages from us. Our SMS messaging practices are designed to comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), A2P 10DLC (10-Digit Long Code), and TCR (The Campaign Registry) guidelines.

• Consent: Your consent is a prerequisite for receiving SMS messages. We ensure that consent is obtained explicitly and recorded. This may involve texting a keyword, checking a box on a web form, or other clear affirmative actions. By opting in, you acknowledge and agree to these SMS Terms.

• Identification: To ensure transparency and compliance, we will clearly identify MSP Mortgage LLC as the sender in the first message of any SMS campaign. This helps you immediately recognize the source of the message.

• Opt-Out: You have the right to opt out of receiving SMS messages at any time. To stop receiving messages, simply reply STOP to any message you receive from us. Upon receiving your STOP request, we will send a final confirmation message acknowledging your opt-out, and you will no longer receive further SMS messages from that program unless you later choose to opt back in. For assistance or more information, you may reply HELP to any message. Please be aware that standard message and data rates may apply to messages sent and received.

• Message Frequency: Message frequency may vary depending on the type of service or campaign you have opted into. This could include alerts regarding your loan application status, important updates, or promotional offers. While we aim to keep communications relevant and timely, the exact number of messages may fluctuate. For more details on our data collection and usage practices related to SMS, please refer to our Privacy Policy.

• No Sharing of SMS Data: As stated in our Privacy Policy, we do not sell, rent, or share your mobile number, SMS opt-in status, or any related SMS data with third parties for their independent marketing or promotional purposes. Your consent and data are used solely by MSP Mortgage LLC for the purposes for which you opted in.

5. Acceptable Use

You agree to use our website and services only for lawful purposes and in a manner that does not infringe the rights of, restrict, or inhibit anyone else's use and enjoyment of the website and services. Prohibited behavior includes, but is not limited to, spamming, engaging in fraudulent activities, attempting unauthorized access to our systems, transmitting any material that is unlawful, harmful, threatening, abusive, defamatory, obscene, or otherwise objectionable, or engaging in any activity that could damage, disable, overburden, or impair our servers or networks. Any prohibited actions may result in the immediate termination of your access to our services.

6. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, audio clips, video clips, data compilations, and software, and the compilation thereof (collectively, the "Content"), is the property of MSP Mortgage LLC or its content suppliers and is protected by United States and international copyright laws. The trademarks, service marks, and logos used and displayed on this website are registered and unregistered trademarks of MSP Mortgage LLC. Nothing on this website should be construed as granting, by implication, estoppel, or otherwise, any license or right to use any trademark displayed on the website, without the prior written permission of MSP Mortgage LLC. Unauthorized use of any Content or trademarks displayed on the website is strictly prohibited.

7. Disclaimers & Limitations of Liability

• Accuracy: While we strive to ensure that the information on our website is accurate and up-to-date, we do not warrant its completeness or accuracy; nor do we commit to ensuring that the website remains available or that the material on the website is kept up to date. The content on our site may contain errors or omissions.

• No Legal Advice: Any content provided on this website is for informational purposes only and does not constitute legal, financial, or professional advice. You should consult with a qualified professional for advice tailored to your specific situation.

• Limitation of Liability: To the fullest extent permitted by applicable law, MSP Mortgage LLC shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your access to or use of or inability to access or use the services; (b) any conduct or content of any third party on the services; (c) any content obtained from the services; and (d) unauthorized access, use, or alteration of your transmissions or content, whether based on warranty, contract, tort (including negligence), or any other legal theory, whether or not we have been informed of the possibility of such damage, and even if a remedy set forth herein is found to have failed of its essential purpose.

8. External Links & Third Parties

Our website may contain links to third-party websites or services that are not owned or controlled by MSP Mortgage LLC. These links are provided for your convenience and informational purposes only. We have no control over, and assume no responsibility for, the content, privacy policies, or practices of any third-party websites or services. This includes, but is not limited to, services like Google reCAPTCHA and various analytics providers. We strongly advise you to review the terms and conditions and privacy policies of any third-party websites or services that you visit.

9. Privacy Policy

Your use of our services is also governed by our Privacy Policy, which is incorporated herein by reference. Please review our Privacy Policy to understand our practices regarding the collection, use, and disclosure of your personal information.

10. Modification of Terms

We reserve the right, at our sole discretion, to modify or replace these Terms and Conditions at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our services after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the services.

11. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Minnesota, U.S., without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

12. Contact Information

If you have any questions about these Terms and Conditions, please contact us at:

MSP Mortgage LLC

Address: 7401 Metro Blvd, Suite 500, Edina, MN 55439

Email: stacy@mspmortgage.com

Phone: 612-685-3722