TERMS OF SERVICE

Effective Date: February 18, 2026

Please carefully read this agreement (“Agreement”) before accessing or using this Internet website (“Website”). When you access or use the Website, you agree to be bound by this Agreement, including the liability disclaimers contained below. If you do not agree to the terms contained herein, do not use this Website or download any information from it.

Materials on this Website may be accessed, downloaded, and printed only for personal and non-commercial use. By using this Website, you agree that you will not use any materials or information found on this Website for any purpose that is unlawful or prohibited by this Agreement, including use of this Website from locations outside of the United States of America or if you are under 18 years of age. Your permission to use the Website is automatically terminated if you violate any of the terms contained in this Agreement.

This Website and all services are intended for individuals who are at least 18 years of age.

SMS COMMUNICATIONS TERMS

1. Program Description

Catalyst Mortgage may send SMS text messages to individuals who have provided prior express written consent through a website form, loan application, or other electronic opt-in method.

Messages may include:

  • Loan application updates

  • Mortgage rate updates

  • Appointment confirmations and reminders

  • Requests for documentation

  • Customer service communications

  • Limited promotional mortgage-related offers

Message frequency varies based on your interaction with Catalyst Mortgage.

2. Opt-In Consent

You may opt in to receive SMS messages from Catalyst Mortgage by:

  • Submitting a website form containing SMS consent language

  • Completing a loan application with SMS authorization

  • Providing electronic written consent

SMS consent is not a condition of purchase.

SMS consent is not sold, rented, or shared with third parties or affiliates for marketing purposes.

3. Opt-Out Instructions

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

STOP

After you send STOP, you will receive a confirmation message and no further SMS messages will be sent to your mobile number unless you opt in again.

For assistance, reply:

HELP

You may also contact us directly at 916-287-7777.

4. Message and Data Rates

Message and data rates may apply depending on your mobile carrier plan. Charges are determined by your wireless provider. Catalyst Mortgage is not responsible for carrier charges.

5. Carrier Disclaimer

Wireless carriers are not liable for delayed or undelivered messages.

6. Customer Support Contact Information

If you have questions regarding these Terms or SMS communications, you may contact:

Catalyst Mortgage
Website: https://www.catalystmortgage.com/
Phone: 916-287-7777
Email: support@catalystmortgage.com

PRIVACY POLICY

Your use of this Website and participation in SMS communications is also governed by our Privacy Policy, which may be viewed at:

https://www.catalystmortgage.com/privacy-policy

COPYRIGHT AND TRADEMARK RIGHTS

The contents of https://www.catalystmortgage.com/ are owned and copyrighted by Catalyst Mortgage and are protected by the laws of the United States, its treaty countries, and other jurisdictions. All rights are reserved. No reproduction, distribution, or transmission of the copyrighted materials at this Website is permitted without the written permission of Catalyst Mortgage. All trademarks, logos, and service marks are the property of Catalyst Mortgage.

CONSENT TO CONTACT

By using this Website and voluntarily providing your contact information, you establish a business relationship with Catalyst Mortgage. You agree that Catalyst Mortgage may contact you via telephone, email, SMS text message (where consent has been provided), and/or standard mail using the contact information you have submitted.

Marketing communications are sent only where prior express consent has been obtained in accordance with applicable law.

LIABILITY DISCLAIMER

Catalyst Mortgage strives to ensure that the information on its Website is accurate; however, inaccuracies or errors may occur. You use this Website at your own risk.

Catalyst Mortgage reserves the right to change or modify the content of its Website at any time without notice. Your continued use of the Website constitutes your acceptance of any modified terms.

THIS WEBSITE AND ALL INFORMATION CONTAINED HEREIN ARE PROVIDED “AS IS.” CATALYST MORTGAGE DISCLAIMS ANY AND ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

CATALYST MORTGAGE IS NOT LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, PUNITIVE, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF THIS WEBSITE OR ITS CONTENT.

Because some jurisdictions do not allow the exclusion of implied warranties, certain exclusions may not apply to you.

INDEMNIFICATION / LEGAL RELIEF

You agree to indemnify and hold Catalyst Mortgage harmless from and against any loss, cost, damage, or expense, including reasonable attorneys’ fees, arising out of any action necessary to enforce the terms of this Agreement or due to your breach of this Agreement.

GOVERNING LAW AND VENUE

This Agreement shall be governed by the laws of the State of California.

You consent and submit to personal jurisdiction in the courts of the State of California located in San Diego County and the United States District Court for the Southern District of California in any action relating to this Agreement. You waive any objection to venue or forum convenience in those courts.

MISCELLANEOUS

This Agreement embodies the entire agreement between the parties and supersedes all prior oral or written agreements.

No amendment shall be effective unless in writing.

If any provision of this Agreement is deemed unenforceable, the remaining provisions shall remain in full force and effect. Any unenforceable provision shall be replaced with one that most closely reflects the intent of the original provision.

A printed version of this Agreement shall be admissible in judicial or administrative proceedings.