Terms and Conditions​

Terms and Conditions for SMS & Email Communication

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE REGISTERING.
By registering for a webinar hosted by Derick Hungerford, you agree to receive SMS and email communications in accordance with these terms and conditions.

Consent to Receive Communications:
By providing your phone number and email address during registration, you expressly consent to receive SMS text messages and email from Derick Hungerford related to valuable mortgage information, guidelines, tips and relevant follow-up information about mortgage process. These communications may include:
Mortgage information updates. Information related to services, programs, promotions, and offers from Derick Hungerford and its affiliates.
You acknowledge that:
SMS text messages may be sent using an automatic telephone dialing system (autodialer). Standard messaging and data rates may apply, depending on your carrier and service plan. Consent is not a condition of purchasing any goods or services.
Opt-Out of SMS & Email:
You may opt out of receiving SMS messages at any time by replying "STOP" to any text message you receive. After sending "STOP," you will receive one final message confirming that you have been unsubscribed. No further SMS messages will be sent unless you re-enroll.
To opt out of email communications, click the "unsubscribe" link at the bottom of any email you receive from Derick Hungerford. Once you unsubscribe, you will no longer receive promotional emails but may still receive transactional or service-related emails.

Data Collection & Use:
By providing your contact information, you acknowledge that Derick Hungerford may collect and use your personal data (including first name, last name, phone number, and email address) for the purposes of sending SMS and email communications. Your data will not be shared with any third parties except as required to send these communications, and only in compliance with applicable privacy laws.

Third-Party Communications:
Derick Hungerford may work with third-party service providers to facilitate SMS and email communications. However, your personal information will only be used for purposes related to the Mortgage information updates. Information related to services, programs, promotions, or services offered by Derick Hungerford. We will not sell or share your personal information with third parties for marketing purposes without your express consent.

General Terms:
You represent and warrant that the phone number provided during registration is your own and not someone else’s.
If your phone number or email address changes, you agree to notify Derick Hungerford promptly to ensure continued communication.
Derick Hungerford is not liable for delayed or undelivered messages caused by issues outside of its control, including network errors, carrier restrictions, or device issues
.

Governing Law:
These terms and conditions are governed by applicable laws in both the United States and Canada. Any disputes arising from the use of this service will be resolved in accordance with the laws of the jurisdiction where you reside.



Privacy Policy
Effective Date: 09/21/2024
Last Updated: 10/21/2024

Derick Hungerford ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy outlines how we collect, use, and share your personal information when you register on our webform and consent to receive SMS and email communications.
By providing your personal information and consenting to receive communications, you agree to the terms outlined in this Privacy Policy.

1. Information We Collect
When you register for a 1 on 1 call, sign up on our webform or interact with our services, we collect the following personal information:
Contact Information: First name, last name, phone number, and email address. Communication Preferences: Your consent to receive SMS and email communications. Device Information: We may collect information related to the device and network you use to access our services, such as IP address, browser type, and operating system.
Usage Data: Information about how you interact with our site and communications (e.g., open rates, message responses).

2. How We Use Your Information
We use your personal information for the following purposes:
Communication: To send you SMS and email about mortgage information updates. Information related to our services, programs, promotions, and offers from Derick Hungerford or relevant updates.
Marketing: To send you promotional offers, services, and information related to Derick Hungerford and its affiliates. These communications will be in accordance with applicable marketing consent laws. Service Improvement: To analyze and improve our services, including the functionality of our website and the effectiveness of our communications.

3. How We Share Your Information
We will not sell, rent, or lease your personal information to third parties. However, we may share your data under the following circumstances:
Service Providers: We may share your information with trusted third-party service providers (e.g., SMS and email platforms) to facilitate communication, provided they adhere to strict data protection standards.
Legal Compliance: We may disclose your personal information when required by law, such as in response to a court order, subpoena, or other legal process.

4. Consent for SMS & Email Communication
By registering to our webforms, you consent to receive SMS and email messages from Derick Hungerford. These communications may include:

• Mortgage Program updates.
• Service updates.
• Marketing and promotional offers.
• Opt-Out Options:

You can opt out of SMS communications at any time by replying "STOP" to any text message you receive. Once you send "STOP," you will receive a confirmation message, and no further messages will be sent unless you re-enroll.
To opt out of marketing emails, click the "unsubscribe" link at the bottom of any email. Even after unsubscribing, you may still receive service-related emails necessary to complete transactions or maintain your account.

5. Data Retention:
We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, including meeting any legal, accounting, or reporting requirements.

6. Security of Your Information:
We implement a variety of security measures to protect your personal information from unauthorized access, use, disclosure, or loss. While we strive to protect your information, please understand that no system is completely secure. We cannot guarantee the absolute security of your personal data.

7. Your Rights:
Depending on your location, you may have the following rights regarding your personal data:
• Access: You may request a copy of the personal information we have about you.
• Correction: You may request that we correct or update any inaccurate or incomplete information.
• Deletion: You may request that we delete your personal information, subject to certain legal limitations.
• Data Portability: You may request that we transfer your information to another service provider.
To exercise these rights, please contact us using the information below.

8. International Data Transfers:
As Derick Hungerford operates in multiple jurisdictions, your personal information may be transferred and stored across different countries, including the U.S. and Canada. We ensure that any transfer of personal data complies with applicable data protection laws.

9. Third-Party Websites:
Our website or communications may contain links to third-party websites. This Privacy Policy does not apply to these third-party sites, and we are not responsible for their privacy practices. We encourage you to review the privacy policies of any third-party sites you visit.

10. Changes to this Privacy Policy:
We reserve the right to modify or update this Privacy Policy at any time. When we do, we will revise the "Effective Date" at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about how we are protecting your information.

11. Contact Us:
If you have any questions or concerns about this Privacy Policy or your personal information, please contact us at:
Email: derick@myrmcloan.com