Mobile and Telephone Notifications Terms & Conditions
Effective March 3, 2026
Opt-In and Cancelation
You expressly consent and agree that Carrington Mortgage Services, Inc. (“Carrington”) and its affiliates, agents, and service providers (collectively, "we", "us", and "our") may use written, electronic, or verbal means to contact you at any telephone number or email address that you have provided as permitted by applicable law. This consent includes, but is not limited to, contact by manual calling methods, prerecorded or artificial voice messages, text messages, emails, and/or automatic telephone dialing systems. The telephone messages may be played by a machine automatically when the telephone is answered, whether answered by you or someone else, or displayed on a mobile device, whether viewed by you or someone else. These messages may also be recorded by your answering machine. You understand that, when you receive such calls, texts, or emails, you may incur a charge from the company that provides you with telecommunications, wireless, and/or internet services. You agree that we will not be liable to you for any fees, inconvenience, annoyance, or loss of privacy in connection with such calls, texts, or emails.
These communications may include calls, text messages, and emails related to missed or returned payments, information about your loan, other matters relating to the collection of amounts due or any other agreement with us, your relationship with Carrington, and marketing-related information. You understand that anyone with access to your telephone or email account may listen to or read the communications, notwithstanding our efforts to communicate only with you. You agree that this authorization constitutes a bargained-for exchange.
To revoke consent for calls made with an automatic telephone dialing system and/or prerecorded and/or artificial voice messages, to the extent you have a right under applicable law, you may revoke such consent by calling Carrington at 855-218-3690, emailing support@carringtonvm.com, or by any other reasonable means.
Text messages are sent to Carrington customers (“Carrington’s Text Messaging Service”). Customers will receive notifications including, but not limited to, general account-related messages, messages when making payments and when new account-related documents are available, messages about the collection of debt, other informational messages, and marketing-related alerts. By agreeing to these terms and conditions, you provide consent to receive such text messages from Carrington and affirmatively opt into Carrington’s Text Messaging Service.
You can cancel Carrington’s Text Messaging Service at any time. Simply reply “STOP” to the message (shortcode). After you send us the text message “STOP,” we will send you a text message confirming that you have been unsubscribed. After this, you will no longer receive text messages from us. You can send us the message “START” if you want to receive text messages from us again.
We may use autodialer or non-autodialer technology to send the text messages described above to your mobile phone number. Carrington reserves the right to block any mobile telephone number it deems inappropriate and to disable text messages without notice. Consent to these terms is not required as a condition to purchase a good or service. If a telephone number(s) you have provided to us changes, or if you cease to be the owner, subscriber, or primary user of such telephone number(s), you agree to immediately give us notice of such facts so that we may update our records.
Carrier and Messaging Plan
Carrington’s Text Messaging Service is complimentary; but, depending on your messaging plan and carrier, message and data rates may apply. Carriers are not liable for delayed or undelivered messages. If you have questions about your text plan or data plan, contact your wireless provider.
Additional Terms
By accepting this agreement, you acknowledge and agree to the terms and conditions provided in this policy. You also authorize Carrington and its service providers fully and unconditionally to respond to your mobile device or cell phone.
Carrington’s Text Messaging Service is not intended to be construed against Carrington as an interest rate lock, an unconditional loan commitment, an unconditional loan approval, an unconditional qualification, or any other unconditional offer or agreement to lend. Carrington makes no warranties, express or implied, with respect to such data or information.
Do not send a text message to Carrington to communicate time-sensitive instructions or information. Urgent matters should be communicated directly to the relevant person by telephone and then confirmed in writing with that person.
By using this service, you agree that the terms and conditions stated herein apply to you and are incorporated by reference into any communication. You also agree that any disputes relating to this service shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any principles of conflicts of law. You agree that any action at law or in equity arising out of your use of Carrington’s Text Messaging Service or relating to these terms and conditions may be filed only in the state or federal courts located in Delaware.
Carrington Mortgage Services, Inc. respects your privacy rights. If you have any questions about privacy, please read our privacy policy, which can be found on our website at https://www.carringtonmortgage.com/legal/privacy-policy.
