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Ages Mortgage Communication Terms of Service

Last Updated: January 1, 2026

These Communication Terms of Service ("Communication Terms") govern how Ages Mortgage, LLC ("Ages Mortgage," "we," "us," or "our") communicates with you and how you communicate with us. By providing your contact information to Ages Mortgage or using our services, you agree to these Communication Terms.

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1. Consent to Contact

By providing your telephone number(s), email address, or other contact information to Ages Mortgage through our Website, application portal, or any other means, you expressly consent to be contacted by Ages Mortgage, our service providers, and our business partners regarding:

  • Your mortgage application or loan
  • Products and services we offer
  • Information you have requested
  • Marketing and promotional materials
  • Surveys and feedback requests
  • Account servicing and customer support

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2. Methods of Communication

You agree that we may contact you using any of the following methods:

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Telephone Calls

By providing your telephone number(s), you consent to receive telephone calls from Ages Mortgage, including:

  • Calls made using an automatic telephone dialing system (autodialer)
  • Calls with prerecorded or artificial voice messages
  • Calls to any telephone number you provide, including mobile/cellular telephone numbers
  • Calls regarding your loan application, account servicing, and marketing purposes

Important Notice: You are not required to consent to receive calls using an autodialer or prerecorded messages as a condition of purchasing any property, goods, or services. However, if you do not provide this consent, we may not be able to process your loan application or provide certain services to you.

Call Recording: All telephone calls with Ages Mortgage may be monitored and recorded for quality assurance, training, compliance, fraud detection, and dispute resolution purposes. By engaging in a telephone conversation with us, you consent to such monitoring and recording.

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Text Messages (SMS/MMS)

By providing your mobile telephone number and opting in to receive text messages, you expressly consent to receive text messages (SMS/MMS) from Ages Mortgage, including:

  • Informational messages about your loan application or account
  • Marketing and promotional messages (if you have opted in)
  • Appointment reminders and notifications
  • Alerts and updates

Message Frequency: The frequency of messages will vary depending on your interactions with us. You may receive multiple messages per week.

Message and Data Rates: Standard message and data rates may apply based on your mobile carrier's plan. You are responsible for all charges from your mobile carrier.

Supported Carriers: Our text messaging service is available on major U.S. carriers. Not all carriers are supported. Please check with your carrier for compatibility.

Opt-Out Instructions: You may opt out of receiving text messages at any time by:

  • Replying "STOP" to any text message from Ages Mortgage
  • Contacting us at (973) XXX-XXXX
  • Emailing us at optout@agesmortgage.com

After you opt out, you will receive a final confirmation message. Please note that opting out of marketing messages will not prevent you from receiving important transactional messages about your loan or account.

Help: For help or more information about our text messaging service, reply "HELP" to any text message or contact us at (973) XXX-XXXX.

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Email Communications

By providing your email address, you consent to receive emails from Ages Mortgage, including:

  • Emails about your loan application or account
  • Newsletters and educational content
  • Marketing and promotional materials
  • Service announcements and updates
  • Surveys and feedback requests

Unsubscribe: You may unsubscribe from marketing emails at any time by clicking the "unsubscribe" link at the bottom of any marketing email or by contacting us at optout@agesmortgage.com. Please note that unsubscribing from marketing emails will not prevent you from receiving important transactional emails about your loan or account.

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Chat and Messaging Features

Our Website and mobile applications may offer chat functionality. These chats may be:

  • Powered by artificial intelligence (AI)
  • Staffed by human representatives
  • A combination of both

Chat Recording: All chat conversations are recorded and monitored for quality assurance, training, compliance, and security purposes. By using our chat features, you consent to such recording and monitoring.

If you do not wish to have your chats recorded, you must choose an alternative communication method such as telephone or email.

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Mail and Other Communications

We may also send you physical mail and communications through other channels as necessary for your loan application, account servicing, or as required by law.

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3. Your Responsibilities

When communicating with Ages Mortgage, you agree to:

  • Provide accurate and current contact information
  • Update your contact information promptly if it changes
  • Notify us immediately if you no longer have access to a phone number or email address you provided
  • Be responsible for any charges from your service providers (phone, internet, mobile carrier)
  • Ensure that any telephone numbers you provide are your own or that you have authorization to provide them
  • Communicate respectfully and professionally with our representatives

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4. Telephone Consumer Protection Act (TCPA) Consent

By providing your telephone number(s) to Ages Mortgage, you expressly consent to be contacted at those numbers, including mobile/cellular numbers, by Ages Mortgage, our affiliates, service providers, and business partners using:

  • An automatic telephone dialing system (autodialer or ATDS)
  • Prerecorded or artificial voice messages
  • Live operators
  • Text messages (if you have opted in)

This consent applies to:

  • Informational calls and messages about your loan application or account
  • Marketing calls and messages (if you have not opted out)
  • Service-related calls and messages

You acknowledge that:

  • Your consent is not required as a condition of purchasing any property, goods, or services
  • You may be contacted at any telephone number you provide, even if that number is on a state or federal Do Not Call registry
  • Standard message and data rates may apply for text messages and calls to mobile numbers
  • You may revoke this consent at any time using the opt-out methods described in these Communication Terms

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5. Electronic Communications Consent

By using our services and providing your email address, you consent to receive all communications, agreements, documents, receipts, notices, and disclosures electronically. You agree that all electronic communications satisfy any legal requirement that such communications be in writing.

We will provide electronic communications by:

  • Posting them on our Website
  • Emailing them to the email address you provided
  • Making them available through our application portal or online account

To access and retain electronic communications, you need:

  • A computer or mobile device with internet access
  • A current web browser with cookies enabled
  • A valid email address
  • Sufficient storage space to save communications or a printer to print them

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6. Withdrawing Your Consent

You have the right to withdraw your consent to receive communications at any time by:

  • Phone Calls: Calling us at (973) XXX-XXXX and requesting to be placed on our Do Not Call list
  • Text Messages: Replying "STOP" to any text message or contacting us at (973) XXX-XXXX
  • Emails: Clicking "unsubscribe" in any marketing email or emailing optout@agesmortgage.com
  • Written Request: Sending a written request to our address listed below

Please note that:

  • Withdrawing consent may limit our ability to provide certain services to you
  • We may still contact you regarding existing transactions, account servicing, or as required by law
  • It may take up to 10 business days to process your opt-out request

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7. Updates to Contact Information

You must promptly notify us of any changes to your contact information, including:

  • Changes to your telephone number(s)
  • Changes to your email address
  • Changes to your mailing address

You can update your contact information by:

  • Logging into your online account (if applicable)
  • Calling us at (973) XXX-XXXX
  • Emailing us at info@agesmortgage.com

You are responsible for any consequences of providing inaccurate contact information or failing to update your information.

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8. Third-Party Service Providers

Ages Mortgage may use third-party service providers to facilitate communications with you. These service providers are contractually obligated to use your information only as necessary to provide communication services on our behalf and to maintain appropriate security and confidentiality.

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9. Security

While we implement reasonable security measures to protect your communications, no method of transmission over the internet or electronic storage is completely secure. You acknowledge that:

  • Email and text messages are not secure methods of communication
  • You should not include sensitive information (such as Social Security numbers, account numbers, or passwords) in emails or text messages
  • We will never ask you to provide sensitive personal information via email or text message

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10. Business Hours and Response Times

Our business hours are [INSERT HOURS]. While we strive to respond to communications promptly:

  • Responses to phone calls, emails, and messages sent outside of business hours may be delayed until the next business day
  • Response times may vary based on volume and the nature of your inquiry
  • Urgent matters should be communicated by telephone during business hours

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11. Prohibited Communications

When communicating with Ages Mortgage, you agree not to:

  • Use abusive, threatening, or harassing language
  • Transmit spam, unsolicited advertising, or promotional material
  • Transmit viruses, malware, or harmful code
  • Impersonate another person or entity
  • Engage in fraudulent or deceptive communications
  • Violate any applicable laws or regulations

We reserve the right to terminate communications with any individual who violates these guidelines.

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12. Changes to Communication Terms

We may update these Communication Terms from time to time. When we make changes, we will update the "Last Updated" date at the top of these Terms and post the revised version on our Website. Your continued use of our services after changes are posted constitutes your acceptance of the revised Communication Terms.

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13. Dispute Resolution

Any disputes arising from or relating to these Communication Terms, including claims under the Telephone Consumer Protection Act (TCPA) or similar state laws, shall be resolved through arbitration as described in our Terms of Use.

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14. State-Specific Rights

Some states provide additional rights regarding telemarketing and electronic communications. These Communication Terms do not limit any rights you may have under applicable state law.

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15. Questions and Contact Information

If you have questions about these Communication Terms or wish to exercise your opt-out rights, please contact us:

Ages Mortgage, LLC
[Street Address]
Morristown, NJ [ZIP Code]
Phone: (973) XXX-XXXX
Email: optout@agesmortgage.com
NMLS #27830