Effective Date: 2/10/2025 

Welcome to Front Porch Finance, LLC (“we,” “us,” or “our”). By using our services, including signing up for SMS and email marketing communications, you agree to the following terms and conditions (“Terms”). Please read them carefully. 

1. Acceptance of Terms 

By providing your phone number, email address, or other contact information, you consent to receive SMS and/or email communications from Front Porch Finance, LLC. 

These communications may include promotional messages, updates, and offers.If you do not agree to these Terms, please refrain from signing up for or using our SMS or email marketing services. 

2. Marketing Communications 

Consent to Receive Messages: By signing up, you expressly consent to receive recurring automated promotional messages via SMS or email. Message frequency may vary. 

Opt-Out: You can opt out of receiving SMS messages at any time by replying “STOP” to any text message. You can unsubscribe from email communications by clicking the “Unsubscribe” link included in our emails. 

Message and Data Rates: Standard message and data rates may apply. Check with your mobile carrier for details. 

You can cancel the SMS service at any time. Simply text ‘STOP’ to the shortcode. Upon sending ‘STOP,’ we will confirm your unsubscribe status via SMS. Following this confirmation, you will no longer receive SMS messages from us. To rejoin, sign up as you did initially, and we will resume sending SMS messages to you.If you experience issues with the messaging program, reply with the keyword HELP for more assistance, or reach out directly to jennifer@frontporchfinance.com.Carriers are not liable for delayed or undelivered messages.As always, message and data rates may apply for messages sent to you from us and to us from you. Message frequency varies. For questions about your text plan or data plan, contact your wireless provider.For privacy-related inquiries, please refer to our privacy policy: https://rhinestonesngrit.com/privacy-policy-page 

3. User Responsibilities 

Accurate Information: You agree to provide accurate and up-to-date contact information when signing up for SMS or email communications. 

Prohibited Uses: You may not use our services for illegal purposes, to harm others, or in violation of these Terms. 

4. Disclaimer of Liability 

Service Availability: We make no guarantees regarding the availability or functionality of SMS or email services and are not liable for delays, interruptions, or errors in message delivery. 

Third-Party Services: Some SMS and email marketing services may be managed by third-party vendors. We are not responsible for their actions or omissions. 

5. Limitation of Liability 

To the fullest extent permitted by law, Front Porch Finance, LLC is not liable for any damages arising out of or related to your use of SMS or email communications, including, but not limited to, indirect, incidental, punitive, or consequential damages. 

6. Privacy 

Your use of SMS and email marketing services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. Please review our Privacy Policy for more details. 

7. Changes to Terms 

We may update these Terms from time to time to reflect changes in our services, policies, or applicable laws. Any updates will be posted on this page with the updated effective date. Your continued use of our SMS and email marketing services constitutes acceptance of the updated Terms. 

8. Contact Us 

If you have questions or concerns about these Terms, please contact us: 

Phone: (405) 993-3863 

Email: jennifer@frontporchfinance.com 

By signing up for SMS and email communications, you acknowledge that you have read, understood, and agree to these Terms and Conditions