Bee Mortgage App, Inc. Communications Policy
‍
‍Effective Date: April 19, 2019
‍Last Updated: January 12, 2026

1. Purpose
Bee Mortgage App, Inc. ("we," "us," or "our") is committed to transparent, secure, timely, and compliant communications with website visitors, leads, applicants, borrowers, and other contacts. This Communications Policy explains our practices for initiating, receiving, and responding to communications across all channels, including:

Website contact forms, chat, and online applications, EmailSMS/text messaging, Telephone and voicemail, Social media platforms, Direct mail (where applicable). We comply with applicable federal and state laws, including but not limited to the:
•  CFPB's Regulation Z (Truth in Lending Act)
• Regulation X (Real Estate Settlement Procedures Act)
• Gramm-Leach-Bliley Act (GLBA)
• Telephone Consumer Protection Act (TCPA)
• Fair Debt Collection Practices Act (FDCPA) (for servicing communications)
• Electronic Signatures in Global and National Commerce Act (E-SIGN), and state mortgage licensing requirements.

2. Consent and Opt-Out
‍Marketing and Promotional Communications — We will only send marketing emails, texts, or other electronic messages if you have provided prior express written consent (e.g., via opt-in on our website form). Consent is not required to receive important account-related or servicing communications.
‍SMS/Text Messaging — By providing your mobile number (e.g., on our website or application), you consent to receive informational and servicing text messages from us. Standard message and data rates may apply. To opt out of non-essential texts, reply "STOP" to any text message. You may also contact us at [phone number] or [email] to opt out.
‍Email — You may unsubscribe from marketing emails via the "unsubscribe" link in any email or by contacting us.
‍Calls — We may contact you by phone for servicing, application follow-up, or with your consent for marketing. We maintain procedures to honor do-not-call requests and comply with TCPA restrictions.

3. Communication Channels and Expectations
• Response Times — We strive to acknowledge website inquiries or submitted forms within [e.g., 1-2 business days] and respond substantively within [e.g., 3-5 business days], depending on the nature of the request.
• Electronic Communications — Emails and texts are convenient but not always secure for sensitive information. Do not send full Social Security numbers, account numbers, or other non-public personal information via unsecured email unless using our secure portal.
• Secure Portal — For transmitting sensitive documents (e.g., income verification, pay stubs), we require use of our encrypted borrower portal.
• Social Media — Interactions on social platforms are public. We do not accept loan applications or share sensitive information via social media. Responses are for general information only.
• Official Records — Email and text communications may not constitute the official business record or an electronic signature unless explicitly stated. For binding agreements, we use secure methods compliant with E-SIGN.

4. Required Disclosures and Compliance
All advertising and rate communications comply with: 
• Regulation Z (clear and conspicuous APR disclosures when triggering terms are mentioned)
• Regulation N (Mortgage Acts and Practices – Advertising Rule) (no deceptive claims).
• We display our NMLS Company ID 2192316 and individual Loan Officer NMLS IDs where required on the website, advertisements, and communications.
‍• Equal Housing Opportunity — We are an equal housing lender.
‍• Licensing — Licensed to originate and/or service mortgages in [list states or "applicable states per NMLS"]. See our [Licensing Disclosures page] for details.
• Privacy — Collection, use, and sharing of your information follow our separate Privacy Policy [link to Privacy Policy] and GLBA requirements. We do not sell your non-public personal information.
‍• No Government Affiliation (if offering mortgage relief services) — Bee Mortgage App, Inc. is not associated with the government, and our services are not approved by the government or your lender.
‍
5. Security and Confidentiality
We use reasonable safeguards to protect communications containing personal information, including encryption for transmissions via our portal. However, no method of electronic transmission is 100% secure.

6. Prohibited Practices
We do not:
• Send unsolicited marketing texts or calls without consent.
• Harass, threaten, or use abusive language.
• Misrepresent loan terms, rates, or our affiliation.
• Share your information except as permitted by law (see Privacy Policy).

7. Changes to This Policy
We may update this policy. Changes will be posted here with the updated effective date. Continued use of our website or services constitutes acceptance of updates.8. Contact UsFor questions about this policy, to opt out, or to request information, contact:

Bee Mortgage App, Inc.
1910 Parkside Dr
Suite B
Columbs, IN 47203
‍
Call / Text (904) 316 - 5566
info@beemortgageapp.com
NMLS 2192316

By using our website or providing contact information, you acknowledge and agree to this Communications Policy.