TCPA Consent Policy

1. About the Telephone Consumer Protection Act (TCPA)

The Telephone Consumer Protection Act (TCPA) is a federal law that restricts telemarketing calls, text messages, and fax transmissions, including communications made using an automatic telephone dialing system (ATDS) or an artificial or prerecorded voice. The TCPA and related Federal Communications Commission (FCC) rules require companies to obtain your prior express written consent before delivering certain marketing or solicitation communications to your mobile or landline telephone number.

By providing your telephone number(s) to Jay Dacey Mortgage Team, Inc. — through our website, application portal, lead forms, or in conversation with our team — and by checking any consent box or otherwise indicating your agreement, you provide the prior express written consent described in this policy.

2. Your Consent to Be Contacted

You authorize Jay Dacey Mortgage Team, Inc., our affiliates, partners, and authorized service providers to contact you at the telephone number(s) you provide — including mobile, landline, and VoIP numbers — using an automatic telephone dialing system, prerecorded or artificial voice messages, text messages (SMS and MMS), and emails for the following purposes:

• Responding to your loan inquiry, application, or request for information.
• Providing rate quotes, loan estimates, and product recommendations.
• Scheduling and confirming appointments, consultations, and closing-related calls.
• Sending status updates, reminders, and notifications regarding your loan.
• Marketing, promotional, and informational communications about products and services that may interest you.
• Any other purpose related to your loan application or our mortgage services.

3. Automated Dialing and Pre-Recorded Messages

You acknowledge and agree that we and our authorized partners may use automated dialing systems, predictive dialers, and prerecorded or artificial voice messages to contact you at the number(s) you provide. This includes calls and texts to mobile telephone numbers. Your consent applies even if the number you provide is later ported to a different carrier or service, and it remains in effect until you revoke it as described in this policy.

You represent that you are the owner or authorized user of every telephone number you provide to us, that you are authorized to consent to communications at that number, and that you are at least 18 years of age.

4. Text Messaging (SMS/MMS) and A2P 10DLC

With your consent, we may send you text messages (SMS and MMS) to the mobile number(s) you provide. These messages are sent using an Application-to-Person (A2P) messaging service and are subject to the A2P 10DLC (10-Digit Long Code) framework administered by U.S. mobile carriers. Message frequency varies, and standard message and data rates charged by your mobile carrier may apply.

You may cancel text-message communications at any time by replying STOP to any message we send. To request help or additional information, reply HELP. After you opt out, we may still send you important non-marketing transactional or account-related messages that are not subject to opt-out where required by law.

• Reply STOP to any message to opt out of text communications.
• Reply HELP to any message for help or more information.
• Replyging with keywords other than STOP or HELP may not be recognized.
• Carriers are not liable for delayed or undelivered messages.

5. Not a Condition of Purchase

You are not required to provide your telephone number or to consent to the communications described in this policy as a condition of purchasing any property, goods, or services from Jay Dacey Mortgage Team, Inc. or any of our partners. Providing your number and consent is entirely voluntary. If you choose not to provide your number or consent, we will still be able to work with you by other means, such as email or postal mail, to the extent permitted by law.

6. How to Revoke Your Consent

You may revoke your consent to receive calls and text messages from us at any time. Revocation of consent does not affect the lawfulness of communications made while your consent was in effect.

• Reply STOP to any text message we send to opt out of text communications.
• Call us at 651-315-7681 and ask to be placed on our internal Do-Not-Call list.
• Email us at Jay@JayDacey.com with your name and number and ask us to stop contacting you.
• Mail a written request to Jay Dacey Mortgage Team, Inc., 2862 Middle Street, Little Canada, MN 55117, with the number(s) to be removed.

7. Do-Not-Call Requests

We honor requests to be placed on our internal Do-Not-Call list, and we do not knowingly call individuals who have requested not to be called. If your number is registered on any state, federal, or corporate Do-Not-Call list, we will not contact you for marketing purposes once we are aware of that registration, except as permitted by law.

Please allow a reasonable period, up to thirty (30) days from the date of your request, for your number to be added to our internal Do-Not-Call list. We may still contact you for non-marketing, transactional, or account-related purposes where permitted by law.

8. Information We May Share with Service Providers

We do not sell or rent your telephone number to third parties for their independent marketing use. We share your telephone number only with authorized service providers who help us place calls, send text messages, or provide other communications on our behalf, and only as necessary to provide our services. These service providers are bound by confidentiality obligations and are required to handle your information in accordance with applicable law and our instructions.

9. Third-Party Communications

If you provide your telephone number to a third party — such as a referral partner, lead generator, or website — that shares it with us, you understand that we may rely on the consent you provided to that third party to contact you using the methods described in this policy. If you did not intend to consent to our communications, please notify us using the contact information below so we can update our records.

10. Updates to This Policy

We may update this TCPA Consent Policy from time to time to reflect changes in applicable law, our practices, or our services. When we do, we will revise the 'last updated' date at the top of this page. Your continued provision of your telephone number or your continued interaction with us after a change constitutes your acceptance of the revised policy.

11. Contact Us

If you have questions about this TCPA Consent Policy, wish to revoke your consent, or want to be added to our internal Do-Not-Call list, please contact us:

• Jay Dacey Mortgage Team, Inc.
• 2862 Middle Street, Little Canada, MN 55117
• Phone: 651-315-7681
• Email: Jay@JayDacey.com
• NMLS ID #1812066