SMS Terms of Service – FWM Loans, LLC D/B/A FWM Investment

Effective Date: 08/27/2025

This SMS Terms of Service outlines how FWM Loans, LLC D/B/A FWM Investment ("we", "us", or "our") communicates via text messaging and the terms under which you (the “Subscriber” or “Customer”) agree to receive text messages related to your account and services.

1. Program Description

By opting in to receive SMS messages from us, you agree to receive automated and manual text message communications regarding your account, including but not limited to:

Message frequency will vary depending on your account activity and preferences.

3. Opt-Out & Support

You can cancel SMS messages at any time. Just reply STOP to any message. Upon receipt of your STOP request, we will send a confirmation SMS, and you will no longer receive SMS messages from us.

For assistance, reply HELP or contact our support at:

4. Third-Party Disclosure

We do not share your SMS opt-in data or consent details with any third parties except when explicitly authorized by you or as required by law.

Required Disclosure:

“Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.”

5. FWMS’s SMS Terms of Service

Our SMS communications are powered by FWM’s Use of our SMS service is also subject to FWMS’s SMS Terms of Service, which may include additional privacy, data handling, and opt-in policies.

6. Supported Carriers & Limitations

SMS delivery is subject to mobile carrier availability. Message delivery is not guaranteed and may be delayed or not delivered due to factors outside our control (e.g., network issues).

7. Privacy & Security

We take your privacy seriously. For details on how we handle personal data, including phone numbers, please review our Privacy Policy.

“Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.”

8. Changes to SMS Terms

We reserve the right to modify these SMS Terms at any time.