PRIVACY STATEMENT

Information Gathered

You may choose to provide information about yourself in order to be contacted by The Best Loan Officer or receive a response to your application for a certain loan product. Such information may include the following:

• Your name
• Contact information including a phone number and email address
• Property address
• Other information you choose to provide via a telephone call, letter, e-mail or through this application

Use

Primarily, the information you provide will be used to contact you and qualify you for certain loan product(s). You understand that by submitting your information through this application, you agree to be contacted regardless of registration with any federal, state or local Do Not Call list, Do Not Mail list, or any other comparable list or registry. By providing information to The Best Loan Officer through this application, a telephone call, an e-mail or letter, you authorize The Best Loan Officer to engage in the following uses of your information:

• to improve its products and services
• to periodically market its products and services, telemarket its products and services, and send promotional emails and advertisements
• to contact you
• to provide your information to a lender(s) in order to qualify you for certain a certain loan product(s)

Additionally, you authorize The Best Loan Officer to share your information with:

• its affiliates and/or divisions
• financial & non-financial service providers and companies, retailers and direct marketers
• third parties who perform marketing services on behalf of The Best Loan Officer or one of its divisions

Contact Information

IAMTBLO LLC
225 Union Blvd
Lakewood, CO 80228
lowrates@iamtblo.com
303-835-7113

SMS/Text Messaging Policy

Consent to Receive Text Messages

By providing your phone number to IAMTBLO LLC ("The Best Loan Officer") through our website, AI chat assistant, contact forms, or any other method of communication, you expressly consent to receive text (SMS) messages from The Best Loan Officer at the phone number you provided. Your consent is not a condition of purchasing any property, goods, or services from us.

Types of Messages

Text messages we may send include, but are not limited to:

• Follow-up messages related to your mortgage inquiry or loan application
• Notifications regarding your loan status or required documentation
• Appointment reminders and confirmations
• Responses to questions you have submitted through our AI chat assistant or website
• Important updates regarding mortgage rates, loan programs, or regulatory changes that may affect your application

Message Frequency

Message frequency varies based on your interaction with our services. You may receive messages in response to your inquiries, during the loan application process, or as follow-up to conversations with our AI chat assistant. We will not send more messages than reasonably necessary to assist you with your mortgage needs.

Message and Data Rates

Message and data rates may apply. Your mobile carrier's standard messaging rates will apply to any text messages you receive from us. The Best Loan Officer is not responsible for any charges incurred from your mobile carrier.

Opt-Out Instructions

You may opt out of receiving text messages at any time by replying STOP to any text message you receive from us. After opting out, you will receive a one-time confirmation message, and no further text messages will be sent unless you re-consent. You may also opt out by contacting us directly at lowrates@iamtblo.com or by calling 303-835-7113.

Help

For assistance with our text messaging program, reply HELP to any message or contact us at lowrates@iamtblo.com or 303-835-7113.

Information Collected via SMS

When you interact with us via text message, we may collect the following information:

• Your phone number
• The content of your text messages
• Date, time, and frequency of messages
• Your opt-in and opt-out status

Data Sharing and Third Parties

We do not sell, rent, or share your phone number or SMS opt-in data with third parties or affiliates for marketing or promotional purposes. Your information may be shared with our service providers (such as our SMS platform provider) solely for the purpose of delivering text messages to you on our behalf. These service providers are contractually obligated to protect your information and may not use it for any other purpose.

Data Retention

We retain your phone number and SMS consent records for as long as you remain opted in to our messaging program, and for a reasonable period thereafter as required for compliance, legal, or business purposes. If you opt out, we will retain a record of your opt-out request to ensure we honor it.

Supported Carriers

Our SMS program is supported by major U.S. mobile carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

Consent Verification

By using our website's AI chat assistant and providing your phone number during the conversation, you are providing your express written consent to receive text messages from The Best Loan Officer. This consent is documented and retained as proof of your opt-in for compliance purposes.