1. SMS Messaging — Use Cases & Consent

Premiere Processing LLC may send SMS text messages to users who have provided express written consent via our opt-in form. SMS communications are used for the following purposes:

Transactional & Service Messages (with required consent):

• Loan application status and progress updates
• Document request and submission notifications
• Appointment, closing, and rate lock reminders
• Account-related alerts and notifications
• Follow-up communications related to your mortgage file

Marketing & Promotional Messages (with separate, optional consent):

• Current mortgage rate alerts
• Homebuying tips and educational content
• Promotional offers and announcements

2. Opt-Out Instructions

You may opt out of SMS communications from Premiere Processing LLC at any time using any of the following methods:

• Reply STOP to any SMS message you receive from us. You will receive one final confirmation message, after which no further messages will be sent.
• Contact us directly using the information in Section 3 to request removal from our messaging list.

After opting out, you will not receive further SMS messages except for a single opt-out confirmation. You may re-subscribe at any time by re-submitting our opt-in form or contacting us directly.

Opting out of SMS does not affect your ability to receive mortgage services or other communications (such as email) related to your loan.

3. Customer Support Contact

For questions, concerns, or support related to SMS messaging or any of our services, contact us using the following:

We aim to respond to all inquiries within 1–2 business days.

4. Message & Data Rate Disclosure

For questions about your carrier’s rates, contact your mobile service provider directly.

5. Carrier Liability Disclaimer

Mobile carriers (including but not limited to AT&T, Verizon, T-Mobile, and Sprint) are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to network availability and the policies of your wireless carrier. Premiere Processing LLC cannot guarantee the delivery time or receipt of any SMS message.

If you are not receiving expected messages, please check that you have not blocked our number and that your device is within carrier coverage.

6. Age Restriction

Our website, services, and SMS communications are intended for individuals who are 18 years of age or older. By using our services or opting in to SMS communications, you represent and warrant that you are at least 18 years old.

We do not knowingly collect personal information from or send SMS messages to individuals under 18. If we learn that we have done so, we will take steps to delete the information and remove the individual from our messaging lists immediately.

7. Privacy Policy

Your use of this website and our SMS communications is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how we collect, use, protect, and share your personal information, including mobile phone numbers and SMS consent data.

Please review our Privacy Policy at: https://michaelswolff.com/privacy-policy/

8. Acceptable Use

Users may only use this website and our services for lawful purposes. You agree not to:

• Submit false or misleading information
• Attempt to gain unauthorized access to our systems
• Use our services to violate any applicable law or regulation
• Infringe any third-party intellectual property or privacy rights

9. Disclaimer of Warranties

This website and all services are provided on an “as is” and “as available” basis without warranties of any kind, express or implied. Premiere Processing LLC does not warrant that the website will be uninterrupted, error-free, or free of harmful components. Content on this site is for informational purposes only and does not constitute financial, legal, or tax advice.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Premiere Processing LLC shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or our services, including any damages resulting from delayed or undelivered SMS messages.

11. Governing Law

These Terms are governed by the laws of the Commonwealth of Pennsylvania. Any disputes arising from these Terms shall be resolved in the courts of Philadelphia, Pennsylvania.

12. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be reflected by the updated “Last Updated” date at the top of this page. Your continued use of our services after changes are posted constitutes acceptance of the revised Terms.