SMS & Communication Policy 

Effective and last updated: August 6, 2026

Introduction 

Nexus Nova LLC (“Nexus Nova”, “we”, or “us”) offers various methods of communication as part of the loan product application process and for other promotional or marketing purposes. In accordance with applicable law, Nexus Nova may communicate with consumers, applicants, borrowers, and prospective customers by text messages, including SMS and MMS messages, and telephone calls, including text messages and telephone calls through an automatic telephone dialing system, artificial or prerecorded voice, or artificial intelligence (“AI”) system, agent, or process. This SMS & Communication Policy explains how we use such communication methods, how you may consent to receive such communications, and how you may opt out of such communications. 

This SMS & Communication Policy incorporates by reference our Terms of Use, our Privacy Policy, and, if applicable, our California Consumer Privacy Act Policy (“CCPA Policy”). The provisions of such policies apply to this SMS & Communication Policy, including the Disclaimer of Warranties, Limitation on Liability, Release and Indemnification, Governing Law and Jurisdiction, and Arbitration and Dispute Resolution provisions of the Terms of Use.  

Consent to Receive Communications by Text Message and Telephone Call 

By signing up for our text messaging service and providing your telephone number, such as by completing an online form on our Websites and checking the applicable consent box when submitting such form on our Websites or by otherwise opting into to such services or communications, you agree to this SMS & Communication Policy, our Terms of Use, our Privacy Policy, and, if applicable, our CCPA Policy.  

You also agree that by signing up for our text messaging service and providing your telephone number, you are providing express written consent for Nexus Nova, whether operating under its legal name or a trade or assumed name (e.g., Rosegate or Rosegate Mortgage), its affiliates and agents, and its service providers to contact you about your loan application, loan transaction, available rates, and other products, promotions, or services offered by Nexus Nova by text message or telephone call, including by text message or telephone call made using an automatic telephone dialing system or an artificial or prerecorded voice, or through an AI system, agent, or process, to the telephone number you have provided.  

You understand and acknowledge that you are not required to consent to our text messaging service or to receive such text messages or telephone calls as a condition of applying for or obtaining a mortgage loan or other loan product or service from us.  

Message Frequency 

Message frequency varies. You may receive recurring text messages related to your inquiry, application, loan, account, or relationship with us so long as you are opted in to the text messaging service. 

Message and Data Rates 

Standard message and data rates may apply. Your mobile carrier may charge you for text messages, data usage, or related services. We are not responsible for charges imposed by your mobile carrier. 

Number Ownership and Accuracy 

You represent that you are the subscriber, account holder, or customary user of any telephone number(s) you provide to us. You agree to promptly notify us if your telephone number(s) changes or is reassigned. 

Supported Carriers 

Text messaging may not be available through all carriers. Delivery of text messages is subject to effective transmission by your carrier and is not guaranteed. 

Carriers are not liable for delayed or undelivered messages. 

How to Opt-Out of Text Messages 

You may opt out of receiving text messages subject to this SMS & Communication Policy at any time by replying with “STOP” to the text message you receive. After opting out, you will receive a confirmation message and we will cease sending text messages to the number you provided as soon as reasonably practicable and in accordance with applicable law.  

How to Opt Out of Telephone Calls 

In addition to opting out of text messages, as described above, you may revoke your consent to receive telephone calls subject to this SMS & Communication Policy made using an automatic telephone dialing system or an artificial or prerecorded voice, or through an AI system, agent, or process. 

You may revoke consent by: 

• Sending an email to support@rosegate.com requesting that your consent be revoked;  or 
• Calling (980) 441-1411 and requesting that your consent be revoked. 

Following receipt of your request to opt out, we will process your request as soon as reasonably practicable and in accordance with applicable law. 

Help and Support 

If you need assistance or have questions about text messages or telephone calls that are subject to this SMS & Communication Policy, reply with “HELP” to any text message you receive from us or contact our customer support team at support@rosegate.com.   

Privacy Policy 

Your telephone number will be handled in accordance with our Privacy Policy and, if applicable, CCPA Policy. We do not share opt-in consent with any third parties for solicitation purposes. 

Security Notice Regarding Text Messages 

Text messaging may not be encrypted or secure. Do not send sensitive personal, financial, or account information by text message unless we specifically provide a secure method for doing so. 

No Legal, Credit, or Loan Approval by Text Message 

Text messages from us do not constitute legal advice, financial advice, a commitment to lend, loan approval, rate lock, underwriting approval, credit decision, or modification of any loan terms unless expressly stated in a written agreement or disclosure provided by us. 

All loans are subject to underwriting approval, investor guidelines, program eligibility, collateral review, and applicable federal and state law. 

Third-Party Service Providers 

We may use third-party service providers to facilitate text messaging or telephone calls, including SMS platforms, customer relationship management systems, loan origination systems, lead management tools, marketing platforms, or communication vendors. 

These providers may process message content, telephone numbers, opt-in records, opt-out records, delivery information, and related data on our behalf. 

Changes to this Policy 

We may update this SMS & Communication Policy from time to time. The updated version will be posted on our website with a revised effective date. 

Your continued consent to receive text messages and telephone calls subject to this SMS & Communication Policy after an update is made means that you understand and accept the updated Policy, to the extent permitted by applicable law. 

Contact Information 

Unless otherwise specified in this SMS & Communication Policy, all other requests, questions, concerns, or notices pertaining to this Policy must be submitted in writing to Nexus Nova at the following address: