Terms of Service

Effective Date: 01/31/2026
Last Updated: 02/12/2026

Scott Thomas. These Terms of Service (“Terms”) govern your access to and use of my website, services, and communications, including SMS text messages (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

1. Eligibility (Age Restriction)

You must be at least 18 years of age to use this website or submit information through my Services. By using the Services, you represent and warrant that you meet this requirement.

2. Description of Services

Scott Thomas provides technology-enabled tools and services designed to assist users in exploring mortgage-related options, including information intake, application support, and communication services.

Scott Thomas does not guarantee loan approval, rates, or terms. All loan products are subject to lender review and approval.

3. SMS Use Cases

By providing your mobile phone number and opting in, you consent to receive SMS text messages from Scott Thomas. SMS communications may include, but are not limited to:

Application or inquiry updates

Appointment confirmations or reminders

Customer support communications

Service-related notifications

Message frequency may vary based on user interaction.

4. SMS Consent & Disclosures

Consent to receive SMS messages is not a condition of purchase

Message and data rates may apply

Messages may be sent using an automated system

Consent records are maintained in accordance with applicable laws and carrier requirements.

5. Opt-Out Instructions

You may opt out of SMS messages at any time by replying STOP to any message.

For assistance, reply HELP or contact customer support using the information below.

6. Carrier Liability Disclaimer

Mobile carriers are not liable for delayed or undelivered messages.

7. Customer Support Contact

If you have questions about the Services or need assistance, you may contact us at:

Scott Thomas
Email: [email protected]
Phone: +1 440-867-3704
Address: 12144 Concord Hambden Rd Concord Twp 44077
Website: http://stmtg37.com/

8. Privacy Policy

Your use of the Services is subject to my  Privacy Policy, which describes how I collect, use, and protect your information.

👉https://stmtg37.com/privacy

By using the Services, you acknowledge that you have read and understand the Privacy Policy.

9. Acceptable Use

You agree not to:

Use the Services for unlawful purposes

Submit false, misleading, or fraudulent information

Attempt to disrupt or interfere with the Services

I reserve the right to suspend or terminate access for violations of these Terms.

10. Disclaimer of Warranties

The Services are provided on an “as is” and “as available” basis. I make no warranties regarding availability, accuracy, or results obtained from use of the Services.

11. Limitation of Liability

To the fullest extent permitted by law, Scott Thomas shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Services.

12. Modifications to Terms

 I may update these Terms at any time. Changes will be posted on this page with an updated effective date. Continued use of the Services constitutes acceptance of the revised Terms.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the state in which Scott Thomas is registered, without regard to conflict-of-law principles.