Lunar Mortgage Team Terms of Service

Effective Date: Jan 1st, 2026

SMS Messaging Terms & Compliance

1. Program Description

This messaging program sends appointment confirmation and reminder messages to customers who have booked an appointment with Lunar Mortgage Team through our website at , or via our scheduling forms, and have explicitly opted in to receive SMS notifications.

Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages include scheduling confirmations, appointment reminders, rescheduling updates, and customer support communications.

2. Cancellation Instructions

You can cancel the SMS service at any time. Simply text "STOP" to the same number that sent you messages. Upon sending "STOP," we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us.

To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.

3. Support Information

If you experience issues with the messaging program, reply with the keyword "HELP" for more assistance, or reach out directly to or call during business hours.

4. Carrier Liability

Carriers are not liable for delayed or undelivered messages.

5. Message & Data Rates

Message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies based on your service usage and appointment schedule. For questions about your text plan or data plan, contact your wireless provider.

6. Supported Carriers

Our SMS program works with all major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

7. Age Restriction

You must be 18 years or older to participate in our SMS program.

8. Privacy Policy

For privacy-related inquiries, please refer to our Privacy Policy at: /privacy-policy

We comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA guidelines, regarding the use of SMS communications.

General Terms

This website (the "Site") is owned and operated by Lunar Mortgage Team ("COMPANY," "we," or "us"). By using the Site, you agree to be bound by these Terms of Service and to use the Site in accordance with these Terms of Service, our Privacy Policy, and any additional terms and conditions that may apply to specific sections of the Site or to products and services available through the Site or from Lunar Mortgage Team.

Accessing the Site, in any manner, whether automated or otherwise, constitutes use of the Site and your agreement to be bound by these Terms of Service.

We reserve the right to change these Terms of Service or impose new conditions on the use of the Site from time to time. Any revised Terms of Service will be posted on this website. By continuing to use the Site after such changes are posted, you accept the updated Terms of Service.

Intellectual Property Rights

Our Limited License to You

This Site and all materials available on the Site are the property of Lunar Mortgage Team and/or our affiliates or licensors and are protected by copyright, trademark, and other intellectual property laws.

The Site is provided solely for your personal, non-commercial use.

You may not use the Site or the materials available on the Site in a manner that infringes upon our rights or has not been authorized by us.

Unless explicitly authorized, you may not modify, copy, reproduce, republish, upload, post, transmit, translate, sell, create derivative works, exploit, or distribute any material from the Site. However, you may download and/or print one copy of individual pages for your personal, non-commercial use, provided that all copyright and proprietary notices remain intact.

Your License to Us

By posting or submitting any material (including comments, blog entries, social media posts, photos, and videos) to us through the Site, internet groups, or other digital venues, you represent that you own the material or have obtained the necessary permissions.

You grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, transmit, sell, exploit, create derivative works from, distribute, and publicly perform or display such material.

Disclaimers

Throughout the Site, we may provide links to third-party websites. Linking to such websites does not imply endorsement or sponsorship of the information, products, or services offered through those sites.

The information, products, and services offered on or through the Site are provided "as is" and without warranties of any kind, either express or implied. To the fullest extent permitted by law, we disclaim all warranties, including implied warranties of merchantability and fitness for a particular purpose.

You agree to indemnify and hold harmless Lunar Mortgage Team, its affiliates, and their respective officers, directors, agents, and employees from any claims, damages, liabilities, costs, and expenses arising from your breach of these Terms of Service.

Online Commerce

Certain sections of the Site may allow you to purchase products and services from third-party vendors. We are not responsible for the quality, accuracy, timeliness, reliability, or any other aspect of those products and services.

If you make a purchase from a third-party vendor linked through the Site, information obtained during your visit, including payment information, may be collected by both the merchant and us.

Your participation in any dealings with third-party vendors is solely between you and the third party. Lunar Mortgage Team shall not be responsible for any resulting loss or damage.

Registration & Passwords

To access certain features of the Site, you may be required to register and create an account. You agree to provide accurate, current, and complete information during registration.

You are responsible for maintaining the confidentiality of your login credentials and for all activities conducted under your account.

If you suspect unauthorized use of your account, notify us immediately at . We are not liable for any loss or damage arising from your failure to protect your account information.

Termination

We reserve the right to terminate or suspend your access to the Site without notice if we determine that you have violated these Terms of Service or engaged in conduct we deem inappropriate or unlawful.

Upon termination, you must cease all use of the Site and any content obtained from it.

Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of the state in which Lunar Mortgage Team operates.

Any dispute arising under these Terms shall be resolved exclusively through binding arbitration in the applicable jurisdiction.

Changes to Terms of Service

We may update these Terms of Service from time to time. The latest version will always be available on our website along with the effective date.

Contact Information

For any questions regarding these Terms of Service, please contact us:

Lunar Mortgage Team
Phone: 704-517-3782
Email: hwilkes@lunarmortgageteam.com

By using our website and services, you consent to these Terms of Service.