Terms and Conditions for SMS Communications

Effective Date: October 6, 2025
Last Updated: October 6, 2025

Agreement to Terms

By providing your mobile phone number to MarrowLight LLC and consenting to receive SMS text messages, you agree to these Terms and Conditions for SMS Communications ("SMS Terms"). These SMS Terms are supplemental to and should be read in conjunction with our general Terms of Service and Privacy Policy.

Business Information:

• Company: MarrowLight LLC

• Legal Name: MarrowLight LLC

• SMS/Text Line: [INSERT SMS PHONE NUMBER]

• Email: [INSERT EMAIL ADDRESS]

• Website: [INSERT WEBSITE URL]

Purpose and Scope

Business-to-Business Communication

MarrowLight LLC is a digital marketing agency serving mortgage brokers, realtors, and real estate professionals. Our SMS communications are B2B (business-to-business) messages sent to our professional clients regarding:

• Digital marketing services and campaigns

• Account notifications and updates

• Appointment confirmations and reminders

• Campaign performance alerts

• Platform updates and system notifications

• Customer support responses

• Billing and administrative matters

These are NOT consumer marketing messages. SMS is used exclusively for business communications between MarrowLight LLC and our professional clients who have engaged our services.

Consent and Opt-In

Express Written Consent Required

By providing your mobile phone number and opting in to SMS communications, you provide express written consent to receive text messages from MarrowLight LLC at the number provided.

How You Can Opt In

1. Platform Opt-In:
When creating or managing your account in our client portal, you may check a consent box agreeing to SMS communications.

2. Service Agreement:
Your signed service agreement with MarrowLight LLC may include SMS consent as part of our standard client communication methods.

3. Text-to-Join:
You may text a keyword (e.g., "MARROW" or "ALERTS") to [INSERT SMS NUMBER] to opt in.

4. Verbal Consent:
During onboarding or support calls, you may verbally consent to SMS communications, which will be documented in your account.

Consent is Voluntary

Opting in to SMS communications is voluntary and not required to use our services. You may choose to communicate with us via email, phone calls, or through our client portal instead.

Message Types and Frequency

Types of Messages You May Receive

Service Communications (Transactional):

• Meeting and appointment confirmations

• Campaign launch notifications

• Performance alerts (e.g., "Your ad spend reached 80% of budget")

• Platform updates and maintenance notices

• Payment confirmations and billing reminders

• Support ticket responses

• Time-sensitive account matters

Operational Communications:

• Service updates and feature announcements

• Best practice tips and optimization suggestions

• Training webinar invitations

• Industry insights relevant to your campaigns

Message Frequency

Typical Frequency: 4-12 messages per month

Frequency may vary based on:

• Your service level and plan

• Number of active campaigns

• Campaign performance and time-sensitivity

• Your communication preferences

• Seasonal activity (busy real estate/mortgage seasons may generate more updates)

You will NOT receive:

• Daily mass marketing texts

• Promotional messages unrelated to your account

• Third-party marketing or advertisements

Message and Data Rates

Carrier Charges

Standard message and data rates from your mobile carrier may apply. Marrow Light does not charge you for text messages, but your mobile carrier may charge you based on your cellular plan.

Important: If you have a limited texting plan, receiving messages from us may result in charges from your carrier. Check with your carrier for details about your plan.

Supported Carriers

Our SMS service is available on major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Message delivery on regional or international carriers is not guaranteed.

Opt-Out and Unsubscribe

How to Stop Messages

You may opt out of SMS communications at any time using any of these methods:

1. Text STOP:
Reply STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any message from [INSERT SMS NUMBER].

You will receive a confirmation message: "You have been unsubscribed from MarrowLight LLC SMS communications. You will not receive further text messages. For assistance, contact [INSERT PHONE] or [INSERT EMAIL]."

2. Update Account Preferences:
Log into your client portal and disable SMS notifications in your communication preferences.

3. Contact Us Directly:
Email [INSERT EMAIL] or call [INSERT PHONE] to request removal from SMS communications.

Effect of Opting Out

• Opting out stops SMS messages immediately

• You will still receive communications via other channels (email, phone, client portal)

• Your service delivery is not affected

• You may opt back in at any time by texting the opt-in keyword or updating your account settings

Help and Support

Getting Assistance

For SMS Help:
Reply HELP to any message from [INSERT SMS NUMBER] to receive:

"MarrowLight LLC SMS Help: You're receiving business updates about your marketing services. Msg & data rates may apply. For support, call [INSERT PHONE] or email [INSERT EMAIL]. Reply STOP to unsubscribe."

Customer Support:

• Phone: [INSERT PHONE NUMBER] (available [INSERT HOURS])

• Email: [INSERT EMAIL ADDRESS]

• Client Portal: [INSERT PORTAL URL]

Privacy and Security

How We Protect Your Information

Your mobile phone number and SMS communications are subject to our Privacy Policy, available at [INSERT PRIVACY POLICY URL].

Key Privacy Practices:

• We do not sell or rent your phone number to third parties

• We do not share your number for third-party marketing purposes

• SMS data is stored securely with industry-standard encryption

• Only authorized Marrow Light staff access communication records

Security Limitations

Important: SMS text messages are not encrypted end-to-end. Do not send sensitive information such as:

• Passwords or login credentials

• Social Security numbers

• Credit card information

• Confidential client data

For secure communications, use our encrypted client portal or email with encryption enabled.

Acceptable Use

Prohibited Activities

You agree not to:

• Use our SMS system to send unauthorized messages

• Share or forward messages containing proprietary MarrowLight LLC information

• Use SMS communications for any unlawful purpose

• Attempt to impersonate MarrowLight LLC staff

• Abuse, harass, or send offensive messages to our support team

Our Use Commitments

MarrowLight LLC agrees to:

• Send only business-relevant messages related to your services

• Respect your communication preferences

• Honor opt-out requests immediately

• Comply with TCPA, CTIA, and all applicable regulations

• Maintain reasonable message frequency

Disclaimer and Limitations

No Guaranteed Delivery

While we strive for reliable delivery, SMS messages may be delayed or fail to deliver due to:

• Carrier network issues

• Device or phone service problems

• Out-of-coverage areas

• Phone being powered off

• Technical malfunctions

Marrow Light is not liable for:

• Failed or delayed message delivery

• Messages not received due to carrier or device issues

• Actions taken based on messages that were not received

Time-Sensitive Communications

Do not rely solely on SMS for time-sensitive matters. For urgent issues:

• Call us directly at [INSERT PHONE]

• Check your email for detailed communications

• Log into your client portal for real-time updates

Compliance with Laws

Regulatory Compliance

Our SMS communications comply with:

• Telephone Consumer Protection Act (TCPA)

• CTIA Messaging Principles and Best Practices

• CAN-SPAM Act (where applicable)

• State and federal privacy laws

• Mobile carrier requirements

Your Consent Under TCPA

By opting in, you provide express written consent under TCPA to receive text messages at the mobile number provided, even if that number is on a state or federal Do Not Call list.

Business Communication Exception

As a B2B service provider communicating with our business clients, many consumer marketing restrictions do not apply. However, we maintain high standards of professionalism and respect your communication preferences.

Account and Phone Number Changes

Your Responsibility to Update

You are responsible for:

• Keeping your mobile number current in your account

• Notifying us if you change numbers

• Removing opt-in from old numbers when changing service

To update your phone number:

• Log into your client portal and update contact information

• Email [INSERT EMAIL] with your new number

• Call [INSERT PHONE] to update your account

Number Reassignment

If you no longer own the phone number in your account, you must notify us immediately. We are not responsible for messages sent to a reassigned number.

Modifications to SMS Terms

Right to Modify

Marrow Light reserves the right to modify these SMS Terms at any time. Changes may include:

• Message frequency adjustments

• Types of messages sent

• Opt-in or opt-out procedures

• Terms and conditions updates

Notice of Changes

We will notify you of material changes by:

• Sending an SMS notification to your number

• Posting updated terms on our website

• Emailing you at your registered email address

Your continued use of SMS services after changes indicates acceptance of modified terms.

Termination

Our Right to Terminate

Marrow Light may terminate your SMS service access if:

• You violate these SMS Terms

• Your account is closed or suspended

• You abuse or misuse the SMS system

• Required by law or carrier requirements

Your Right to Terminate

You may terminate SMS services at any time by opting out as described in the "Opt-Out and Unsubscribe" section.

Dispute Resolution

Governing Law

These SMS Terms are governed by the laws of [INSERT STATE/JURISDICTION], without regard to conflict of law principles.

Informal Resolution

Before pursuing formal legal action, you agree to contact us at [INSERT EMAIL] to attempt informal resolution of any disputes.

Arbitration Agreement

Any disputes arising from these SMS Terms or our SMS communications shall be resolved through binding arbitration in accordance with our master Terms of Service, rather than in court, except where prohibited by law.

Severability

If any provision of these SMS Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

Entire Agreement

These SMS Terms, together with our Privacy Policy and master Terms of Service, constitute the entire agreement between you and Marrow Light regarding SMS communications.

Contact Information

For questions about these SMS Terms:

MarrowLight LLC
Florida, Tampa

Phone: +1 (813) 625-9622
Email: info@marrowlight.com
Website: www.marrowlight.com

Acknowledgment

By opting in to SMS communications with MarrowLight LLC, you acknowledge that:

✓ You have read and understood these SMS Terms
✓ You consent to receive text messages at the number provided
✓ You understand message and data rates may apply
✓ You can opt out at any time by replying STOP
✓ You are a business professional using our B2B services
✓ You agree to the terms and conditions outlined above

MarrowLight LLC
Digital Marketing Solutions for Mortgage and Real Estate Professionals
EIN:

Last Updated: November 12