Ciro Hernandez | Close With Ciro

Purpose

This document outlines how Ciro Hernandez / Rize Mortgage obtains client consent to receive SMS notifications about their mortgage applications, in full compliance with 10DLC, TCPA, and CTIA guidelines.

Opt-In Consent

We obtain your express written or verbal consent to send SMS messages through one or more of the following methods:

Method 1: Digital Consent (Web Form)

When you fill out a form on our website, you'll see an optional, unchecked checkbox:

☐ I agree to receive SMS notifications and marketing texts from Ciro Hernandez / Close With Ciro (optional).

"By providing your phone number, you are opting into marketing texts. Message frequency may vary. Standard message and data rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase. We will not share your mobile information with third parties for promotional or marketing purposes."

Method 2: Verbal Consent (Phone or In-Person)

This method uses a double opt-in process as required by carriers for marketing messages. When you call (908) 209-8194 or visit our office, our representative will read the following script:

Agent states to customer:

"Would you like to sign up for SMS notifications from Close With Ciro so we can send you application status updates, document requests, and exclusive offers? By providing your phone number, you are consenting to receive SMS notifications and marketing messages via text. Message frequency may vary. Standard message and data rates may apply. You can text HELP for support or STOP to unsubscribe at any time. We won't share your mobile information with third parties for marketing. You can also find our privacy policy on our website at closewithciro.com/privacy-policy."

Customer Response: "Yes, I agree."

Confirmation SMS Sent:

Close With Ciro: You have agreed to receive SMS updates from Ciro Hernandez. Msg frequency varies. Msg & data rates may apply. Reply STOP to unsubscribe, HELP for help. To confirm you also want to receive marketing messages please reply YES

If user replies YES:

Close With Ciro: Thanks, you've now been subscribed to SMS notifications, including promotions. Msg frequency varies. Msg & data rates may apply. Reply STOP to unsubscribe or HELP for help.

If user does NOT reply YES to the marketing confirmation, they will only receive informational messaging (not promotional).

Method 3: Opt-In by Keyword

Text one of the following keywords to (908) 209-8194 to opt in:

START

YES

JOIN

OPTIN

Confirmation SMS:

Close With Ciro: Thank you for opting in to SMS updates! We will be with you shortly. Msg frequency may vary. Std msg & data rates apply. Reply STOP to opt out, HELP for help. Your mobile information will not be sold or shared with third parties for promotional or marketing purposes.

Method 4: Opt-In by Inbound Message

When you text any message to (908) 209-8194 (published on our website, business cards, flyers, and email signatures), the system responds with:

Close With Ciro: Thank you for your message! We will be with you shortly. Msg frequency may vary. Std msg & data rates apply. Reply STOP to opt out, HELP for help. We will not share or sell your mobile information for marketing/promotional purposes.

Types of Messages You May Receive

When you opt in to receive SMS messages from us, you may receive:

Application status updates – Progress on your mortgage application
Document requests – Notifications when we need additional documentation
Rate-lock confirmations – Confirmation of your interest rate lock
Closing date reminders – Important dates and deadlines
Market insights – Updates on market conditions and rates
Exclusive opportunities – Marketing messages and promotional offers

Message Frequency and Data Rates

Message frequency varies based on your transaction activity. You may receive approximately 2-8 messages per month. Standard message and data rates may apply depending on your mobile carrier plan.

How to Opt Out (STOP)

You can opt out of SMS messages at any time. Reply to any message with one of these keywords:

STOP

STOPALL

UNSUBSCRIBE

CANCEL

END

QUIT

Opt-out requests are processed immediately. You will receive a confirmation message acknowledging your request.

Help and Support (HELP)

Reply HELP or INFO to any message to receive assistance:

"Close With Ciro: For help, call (908) 209-8194 or email ciro.hernandez@rizemtg.com. Msg&data rates may apply. Reply STOP to opt out."

Supported Carriers

Our SMS messaging service is compatible with all major U.S. mobile carriers, including but not limited to:

AT&T

Verizon

T-Mobile

Sprint

US Cellular

Cricket

Metro PCS

Boost Mobile

Carriers are not liable for delayed or undelivered messages. T-Mobile is not responsible for delayed or undelivered messages.

Privacy and Data Protection

We will not sell or share your mobile phone number with third parties for promotional or marketing purposes
Your SMS data is protected in accordance with our Privacy Policy
All consent records are stored securely with timestamps
Your phone number is only used for the stated SMS communication purposes

Sample Consent Log Entry

All consent records are stored with timestamps to meet TCPA, CTIA, 10DLC, NMLS, and CFPB requirements:

Date/Time	Method	Client	Phone	Status
2026-03-15 14:32 EST	Digital Form	John S.	+1 908 555 1234	Opted In
2026-03-15 09:15 EST	Verbal (Phone)	Jane D.	+1 908 555 5678	Opted In
2026-03-15 11:20 EST	Keyword (START)	Bob J.	+1 908 555 9012	Opted In

All digital, verbal, keyword, and inbound message consents are stored in our CRM with timestamps indefinitely to meet TCPA, CTIA, 10DLC, NMLS, and CFPB requirements.

Regulatory Compliance

10DLC Requirements

All campaigns are registered with mobile carriers and comply with carrier-specific requirements.

TCPA Compliance

Express written consent is obtained before sending marketing messages. Consent is not a condition of purchase.

CTIA Guidelines

We follow industry best practices for mobile messaging, including clear opt-in and opt-out.

NMLS Requirements

All communications meet record-keeping and disclosure requirements for mortgage communications.

Important Notice

✓Consent to receive SMS messages is not a condition of purchase or obtaining services
✓You may still use our services even if you choose not to opt in to SMS communications
✓You can opt out at any time without affecting your service or relationship with us

SMS Policy & 10DLC Compliance