VIVA HOME LOANS SMS TERMS AND CONDITIONS PROGRAM NAME VIVA Home Loans SMS Notifications PROGRAM DESCRIPTION By opting in, you agree to receive text messages from VIVA Home Loans regarding mortgage inquiries, loan updates, and customer support. MESSAGE FREQUENCY Message frequency varies depending on your interactions with VIVA Home Loans. MESSAGE AND DATA RATES Message and data rates may apply. OPT-OUT INSTRUCTIONS You can opt out of receiving SMS messages at any time by replying STOP. After opting out, you will receive no further SMS messages unless you opt in again. HELP AND SUPPORT For assistance, reply HELP or contact VIVA Home Loans through our website at https://vivahomeloans.com/eng/contactanos/. CONSENT Consent to receive SMS messages is not a condition of purchasing any goods or services. PRIVACY AND MOBILE INFORMATION Your mobile number and SMS opt-in information will not be shared with third parties or affiliates for their own marketing or promotional purposes. Mobile information may be shared with service providers solely as necessary to deliver SMS services and support our communications with you. For more information, please review our Privacy Policy: https://vivahomeloans.com/eng/privacy-policy/ CARRIER DISCLAIMER Mobile carriers are not liable for delayed or undelivered messages.