TERMS & CONDITIONS

Last Updated: September 2, 2026

These Terms and Conditions ("Terms") govern your use of the SMS/text messaging program operated by William Strauss, Mortgage Loan Officer, NMLS #92788, affiliated with Ruoff Mortgage ("we," "us," or "our"), accessible at strauss.home. By opting in to receive SMS/text messages from us, you agree to these Terms.

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1. SMS MESSAGING PROGRAM

William Strauss (NMLS #92788) operates an SMS text messaging program to communicate with clients and prospective clients regarding mortgage services. Messages may include:

- Educational Videos

-Appointment reminders

- Mortgage rate information and promotional offers

- Lead follow-up and general business communications

- General mortgage and loan process information

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2. HOW TO OPT IN

You may opt in to receive SMS messages by submitting your phone number through a contact or inquiry form on our website (strauss.home). By providing your phone number and submitting the form, you consent to receive recurring SMS/text messages from William Strauss (NMLS #92788) at the number provided.

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3. MESSAGE FREQUENCY

Message frequency varies based on your inquiry and individual communication needs. You may receive multiple messages per month.

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4. MESSAGE & DATA RATES

Message and data rates may apply. Charges are billed by your mobile carrier. We are not responsible for any fees or charges imposed by your carrier.

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5. HOW TO OPT OUT

You may opt out of receiving SMS messages at any time by replying STOP to any message you receive from us. Upon receipt of your STOP request, we will send one final confirmation message confirming your unsubscription. No further messages will be sent after that confirmation.

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6. HOW TO REJOIN

If you have opted out and wish to receive messages again, you may re-subscribe by submitting your phone number through the contact form on our website at strauss.home, or by replying START to our messaging number.

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7. HOW TO GET HELP

For assistance with our SMS program, reply HELP to any message you receive, or contact us directly:

Phone: (616) 607-4167

Email: [email protected]

Website: strauss.home

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8. CARRIER DISCLAIMER

Mobile carriers are not liable for delayed or undelivered messages. Delivery of SMS messages is subject to effective transmission by your mobile carrier and is outside our control.

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9. PRIVACY

Your mobile phone number and personal information collected through this SMS program will not be shared with, sold, or rented to third parties for their marketing purposes, except as required by law or as necessary to operate this messaging program (e.g., messaging platform providers). For full details on how we collect, use, and protect your information, please review our Privacy Policy at strauss.home.

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10. COMPLIANCE

This SMS messaging program complies with all applicable federal and state laws and regulations, including the Telephone Consumer Protection Act (TCPA), CTIA Messaging Principles and Best Practices, and applicable carrier requirements for A2P 10DLC and toll-free SMS messaging.

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11. CHANGES TO THESE TERMS

We reserve the right to update or modify these Terms at any time. Continued participation in our SMS messaging program following any changes constitutes your acceptance of the revised Terms. We encourage you to review this page periodically.

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12. CONTACT US

William Strauss | Mortgage Loan Officer | NMLS #92788

Ruoff Mortgage

Phone: (616) 607-4167

Email: [email protected]

Website: strauss.home

William Strauss (NMLS #92788) | Equal Housing LenderEffective Date: 8/28/2026