Effective Date: February 1, 2026

1. Overview

These Terms & Conditions govern your use of Novus Home Mortgage services, including webinar registration and SMS communications.

2. SMS Communications

By opting in, you agree to receive:

Marketing messages (up to 4 per month)

Transactional messages related to appointments and services

Message & data rates may apply.

3. Opt-Out Instructions

You can opt out of SMS communications at any time by replying:

STOP to unsubscribe

HELP for assistance

4. Use of Services

You agree to:

Provide accurate and complete information

Use our services only for lawful purposes

Not misuse or interfere with our systems

5. Webinar Access

Webinar access is provided free of charge

We reserve the right to modify or cancel sessions

Limited seats may apply

6. Customer Support

For support or inquiries, contact:

Phone: +1 505-235-5078

Email: [email protected]

7. Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

8. Age Restriction

You must be at least 18 years old to use our services.

9. Limitation of Liability

We are not responsible for any decisions made based on webinar content. The information provided is for educational purposes only.

10. Privacy Policy

Your use of our services is also governed by our Privacy Policy. Please review it to understand how your data is handled.

11. Changes to Terms

We reserve the right to update these Terms at any time. Continued use of our services constitutes acceptance of any changes.