How we collect consent

Where consent is collected

Consent is collected by a licensed loan officer during a phone call or in-person conversation that the client initiated by asking us for a mortgage loan application link, or by asking us to follow up with them. This is our only opt-in method. We do not collect consent through a website form, a keyword, a paper form, or a QR code, and we do not purchase, rent, or import phone lists.

What the client hears

The loan officer reads the following, and does not send any message unless the client answers yes:

I'll text that link to you at [phone number]. That means you'll get text messages from Team Yumee about your loan — your application link, status updates, and document requests. Message frequency varies, and message and data rates may apply. You can reply STOP any time to opt out, or HELP for help. Our text messaging terms and privacy policy are at teamyumee.com/legal. Do you agree to those and consent to receive these texts?

Disclosures contained in the script

• Who is messaging. Team Yumee, identified by name before consent is requested.
• What messages. Application link, loan status updates, and document requests.
• Frequency. Stated as varying; typically one to ten messages per month.
• Cost. “Message and data rates may apply,” stated verbatim.
• Opt-out. “Reply STOP any time to opt out, or HELP for help.”
• Terms & privacy. Pointed to teamyumee.com/legal and acceptance requested.

What the client does to consent

The client must give an affirmative spoken yes to the question at the end of the script. Silence, an ambiguous answer, or any answer other than agreement is treated as a refusal, and no messages are sent. Consent is never assumed from the client having given us their phone number for another purpose.

What we record

• The client’s name and the mobile number consent was given for
• The date and time consent was obtained
• The loan officer who read the script and obtained consent
• Confirmation that the terms and privacy policy were disclosed and accepted
• The version of the script that was read

What happens next

The first message a client receives identifies Team Yumee by name, confirms they are enrolled, and repeats the opt-out instruction. Replying STOP at any time ends the messages immediately and permanently, and does not affect their loan application — we simply reach them by phone or email instead.

The documents referenced in the script

Text messaging terms & conditions · Text messaging privacy policy

Questions

• Yumee Kang — (253) 709-4791 · ykang@cmghomeloans.com
• Bret Schnorenberg — (253) 229-0998 · bretms@cmghomeloans.com