Effective Date: June 12, 2026

These Terms and Conditions ("Terms") govern your use of the Reverse Lending USA LLC website located at reverselendingusa.com and any communications you engage in with us, including text messaging (SMS). By accessing our website or providing your contact information, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use our website or submit your information.

About Reverse Lending USA LLC

Reverse Lending USA LLC provides information and services related to reverse mortgage products. We are not a bank or lender. All loan products are subject to qualification, credit approval, and applicable state and federal regulations. Information on this website is for general purposes only and does not constitute legal, financial, or tax advice.

Use of This Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Use the site to transmit any unsolicited or unauthorized communications
• Attempt to gain unauthorized access to any portion of the site or its related systems
• Reproduce, duplicate, or copy any content from the site without our prior written permission
• Use the site in any way that could damage or impair its performance or availability

SMS Text Messaging Terms & Conditions

By providing your phone number and consenting to receive text messages from Reverse Lending USA you agree to the following:

• We may send you conversational and informational SMS messages related to your inquiry, loan process, or services we offer
• Message and data rates may apply based on your mobile carrier plan
• Messaging frequency may vary depending on the nature and status of your inquiry
• You may opt out at any time by replying STOP to any message you receive from us
• For help, reply HELP or contact us at sales@reverselendingusa.com or (866) 758-7211
• Your SMS opt-in consent will not be shared with or sold to any third parties or affiliates

See our Privacy Policy for more information on how we handle your personal information.

SMS Consent Communication:

The information as phone numbers obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

Types of SMS Communications:

If you have consented to receive text messages from Reverse Lending USA LLC, you may receive messages related to the following:

• Appointment Reminders
• Customer Support
• Account Notifications

Example: "Hello, this is a friendly reminder of your upcoming appointment with Maxwell at [Location] on [Date] at [Time]. You can reply STOP to opt out of SMS messaging from Reverse Lending USA at any time."

Example: "Hello, this is Maxwell with Reverse Lending USA. Thank you for filling in the form on my website to learn more about Reverse Mortgages. How can I help? You can reply STOP to opt out of SMS messaging from Reverse Lending USA at any time." 

Message Frequency:

Message frequency may vary depending on the type of communication. For example, you may receive up to 5 SMS messages per week related to appointment reminders, customer support, and account notifications.

Potential Fees for SMS Messaging:

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

Opt-In Method:

You may opt-in to receive SMS messages from Reverse Lending USA LLC in the following ways:

• By submitting an online form 

Opt-Out Method:

You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

Help:

If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at www.reverselendingusa.com or call us at (866) 758-7211

Additional Options: If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

Standard Messaging Disclosures:

Message and data rates may apply.

You can opt-out at any time by texting "STOP."

For assistance, text "HELP" or visit our Privacy Policy and Terms and Conditions pages.

Message frequency may vary.

No Guarantee of Loan Approval

Nothing on this website constitutes a commitment to lend or a guarantee of loan approval. All loan inquiries are subject to review, underwriting, and applicable eligibility requirements. Terms, rates, and availability may vary by state and are subject to change without notice.

Intellectual Property

All content on this website, including text, graphics, logos, and images, is the property of Reverse Lending USA or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce or distribute any content from this site without our express written consent.

Disclaimer of Warranties

This website and its content are provided on an "as is" basis without warranties of any kind, either express or implied. Reverse Lending USA does not warrant that the site will be error-free, uninterrupted, or free of viruses or other harmful components. We make no representations about the accuracy or completeness of any information on the site.

Limitation of Liability

To the fullest extent permitted by law, Reverse Lending USA shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of this website or any information obtained through it. Your use of this site is at your own risk.

Third-Party Links

Our website may contain links to external websites for your convenience. We do not control or endorse any third-party sites and are not responsible for their content, accuracy, or privacy practices.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state of California, without regard to its conflict of law provisions.

Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will be posted on this page with a revised effective date. Your continued use of the website after any changes constitutes your acceptance of the updated Terms.