SMS Service

SMS / TEXT MESSAGING AGREEMENT

Last Updated: April 2, 2026

This SMS / Text Messaging Agreement ("Agreement") governs the use of SMS and text messaging services provided through 1smtg.com by Zero 1 Solution LLC ("Company," "we," "our," or "us").

By enabling or using SMS services, you ("User," "Broker") agree to the following:

1

Service Description

1smtg.com may provide SMS/text messaging capabilities, including:

Loan status updates

Rate alerts

Appointment reminders

System notifications

Customer communication

Marketing or campaign messages (if enabled)

SMS services may be powered by third-party providers.

2

No Guarantee of Delivery

SMS messaging is an add-on service and:

Is not guaranteed for delivery, timing, or performance

May be delayed, blocked, or fail due to carrier or network issues

Depends on third-party providers

The Company is not responsible for undelivered or delayed messages.

3

User Responsibility (CRITICAL)

You are solely responsible for:

All text messages sent through the platform

Message content and accuracy

Ensuring lawful use of SMS services

4

Consent & TCPA Compliance

You agree that:

You have obtained prior express consent from recipients before sending SMS messages

You will comply with all applicable laws, including:

Telephone Consumer Protection Act (TCPA)
CAN-SPAM (where applicable)
State-specific communication laws

You must:

Honor opt-out requests (e.g., "STOP") immediately

Maintain records of consent where required

5

Marketing Messages

If you send marketing or promotional messages:

You must obtain explicit opt-in consent

You must provide a clear opt-out mechanism

You are responsible for all compliance obligations

The Company does not manage or verify your marketing consent.

6

Opt-Out Handling

Recipients must be able to:

Reply "STOP" to unsubscribe

Be removed from messaging lists promptly

Failure to honor opt-outs may result in account suspension.

7

Third-Party Providers

SMS services rely on third-party telecom providers.

You acknowledge:

The Company does not control carrier delivery

The Company is not responsible for provider failures

Carrier fees or message rates may apply

8

Prohibited Use

You may NOT use SMS services to:

Send spam or unsolicited messages

Harass, mislead, or deceive recipients

Send messages without consent

Violate any laws or regulations

9

Data Privacy

Phone numbers and message data are used only for platform functionality

We do not sell or share SMS data for marketing purposes

10

Liability & Indemnification

You agree:

All SMS-related risk remains with you

You will indemnify and hold harmless the Company from:

TCPA claims

Regulatory fines

Lawsuits related to messaging

11

Suspension Rights

The Company may:

Suspend SMS functionality

Restrict or terminate access

If misuse, complaints, or legal risk is detected

12

Acceptance

By enabling or using SMS services, you agree to this Agreement.