A2P Compliance Policy

A2P Compliance Policy

Last Updated: February 25, 2025

Treeside LLC dba Treeside Financial (“we,” “us,” or “our”) is committed to ensuring compliance with all applicable regulations governing Application-to-Person (A2P) messaging. This A2P Compliance Policy outlines our adherence to the requirements for sending SMS messages to consumers, including consent management, opt-out procedures, message content compliance, and data protection practices.

1. Purpose of Messaging

Our A2P messaging services are strictly used to facilitate client communications regarding mortgage inquiries, applications, and status updates. The permitted message types include:

  • Loan quotes
  • Application status updates
  • Document submission reminders
  • Meeting confirmations
  • General mortgage process assistance

We do not send marketing or promotional messages unless explicit, separate consent is obtained.

2. Opt-In Process & User Consent

How Users Provide Consent:

Users must explicitly opt-in to receive SMS communications. This is achieved through the following process:

  • Web Form Consent: Users provide their phone number via an online form and actively select an unchecked checkbox confirming their consent.
  • Checkbox Consent Statement:
    • “By submitting this form, I consent to receive communications via SMS, phone calls, and emails from Treeside LLC dba Treeside Financial regarding my mortgage inquiry and application between 8 a.m. and 9 p.m. local time. Message frequency may vary. Message and data rates may apply. Reply STOP to opt out, HELP for assistance. [Link to Privacy Policy] We do not sell or share personal information. Consent is not a condition of purchase. NMLS #138594.”
  • Double Opt-In Confirmation: Upon form submission, users receive a confirmation SMS:
    • “Thank you for opting in to receive updates from Treeside Financial regarding your mortgage inquiry. Reply YES to confirm. Reply STOP to opt out, HELP for assistance.”
    • Only users who reply YES will be officially enrolled in our messaging system.

3. Opt-Out Procedures

Users may withdraw consent at any time by following these methods:

  • SMS: Reply “STOP” to any SMS received to unsubscribe immediately.
  • Email: Click the “Unsubscribe” link at the bottom of any email.
  • Phone Calls: Inform the caller that you wish to opt out.
  • Opt-out requests are processed immediately, and users will receive a confirmation of successful removal.

4. Data Collection & Storage

For compliance and audit purposes, we securely store records of consent, including:

  • The phone number provided
  • IP address and timestamp of consent submission
  • Confirmation of double opt-in (if applicable)
  • Opt-out requests and processing timestamps

This data is retained for regulatory compliance and consumer protection.

5. Message Content & Compliance

All outbound messages sent by Treeside Financial adhere to the following guidelines:

  • Clearly identify Treeside Financial as the sender.
  • Provide a clear and relevant purpose related to mortgage inquiries or applications.
  • Avoid prohibited content, including:
    • Deceptive, misleading, or fraudulent information
    • Unsolicited marketing messages
    • Profanity, hate speech, or inappropriate content
    • Any content restricted by federal or state regulations
  • Include opt-out instructions in every SMS message.

6. Data Protection & Security

Treeside Financial implements robust security measures to protect consumer data, including:

  • Encryption of stored personal information
  • Limited internal access to data
  • Regular compliance audits to ensure adherence to A2P regulations

We do not sell, trade, or distribute consumer data to third parties for marketing purposes.

7. Regulatory Compliance

Our A2P messaging program complies with all relevant industry regulations, including:

  • The Telephone Consumer Protection Act (TCPA)
  • CTIA Messaging Principles and Best Practices
  • A2P 10DLC Registration Requirements
  • Michigan State Laws governing telemarketing and digital communication

8. Monitoring & Enforcement

We regularly monitor compliance with this policy, including:

  • Reviewing opt-in records and user consent logs.
  • Ensuring all messages contain appropriate disclaimers.
  • Addressing consumer complaints related to messaging.

Violations of this policy by employees or third-party vendors will result in disciplinary action or contract termination.

9. Updates to This Policy

We may update this A2P Compliance Policy periodically to align with changes in regulations or business practices. Users are encouraged to review this policy regularly.

10. Contact Information

If you have any questions about this A2P Compliance Policy or our messaging practices, please contact us at:

Treeside LLC dba Treeside Financial
17632 White Plains Drive
Macomb, MI 48044
Email: info@treesidefinancial.com
Phone: 1(586) 648-0021

By using our messaging services, you acknowledge that you have read and understood this A2P Compliance Policy and agree to its terms.