Terms & Conditions

AskO'Malley

SMS Messaging Terms & Compliance

1. Program Description

Ask O'Malley, operated by Sue Mershon, may send SMS messages to individuals who voluntarily opt in through our website, contact forms, scheduling pages, or other approved methods.

By providing your mobile phone number and consenting to receive text messages, you agree to receive communications that may include:

Appointment confirmations and reminders
Consultation scheduling and updates
Responses to inquiries submitted through our website
Customer support communications
Occasional updates related to Ask O'Malley resources, homeownership education, and mortgage-related information

SMS consent is collected through an explicit opt-in process and is never a condition of purchasing any products or services.

2. Cancellation Instructions

You may opt out of receiving SMS messages at any time by replying STOP to any text message you receive from us.

After you send STOP, you will receive one final message confirming that you have been unsubscribed. You will no longer receive SMS communications unless you opt in again.

To resume receiving messages, simply submit a new opt-in request through our website.

3. Support Information

If you need assistance with our messaging program, reply HELP to any SMS message or contact us directly.

Email: [email protected]

Phone: (920) 737-9606

4. Carrier Liability

Wireless carriers are not responsible for delayed or undelivered text messages.

5. Message & Data Rates

Standard message and data rates may apply depending on your mobile carrier and service plan.

Message frequency varies based on your interactions with Ask O'Malley, appointment scheduling, and communication preferences.

For information regarding your messaging or data plan, please contact your wireless service provider.

6. Supported Carriers

Our SMS messaging service is compatible with most major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, Sprint, and many regional carriers.

7. Age Requirement

You must be at least 18 years of age to participate in our SMS messaging program.

8. Privacy Policy

Please review our Privacy Policy for information about how your personal information is collected, used, and protected.

We comply with all applicable federal and state regulations governing SMS communications, including the Telephone Consumer Protection Act (TCPA) and CTIA Messaging Principles and Best Practices.

General Terms

This website ("Site") is owned and operated by Ask O'Malley ("Company," "we," "our," or "us").

By accessing or using this website, you agree to be bound by these Terms & Conditions, our Privacy Policy, and any additional policies that may apply to specific features or services offered through this Site.

If you do not agree with these Terms, please discontinue use of the Site.

We reserve the right to modify these Terms at any time. Updated versions will be posted on this page with the revised effective date. Continued use of the Site constitutes acceptance of any changes.

Purpose of This Website

Ask O'Malley provides educational content, community resources, homeownership information, and mortgage-related guidance.

The information provided on this Site is intended for general educational and informational purposes only. Nothing on this Site should be interpreted as financial, legal, tax, investment, or mortgage advice.

Mortgage financing is subject to qualification, underwriting approval, and applicable lending guidelines.

Copy or reproduce website content
Modify or distribute materials
Republish articles or resources
Sell or commercially exploit any content
Create derivative works from our materials

You may print or download individual pages for personal reference, provided all copyright notices remain intact.

User Content

By submitting comments, reviews, testimonials, photographs, videos, or other materials through this Site, you confirm that you own the rights to the submitted content or have permission to provide it.

You grant Ask O'Malley a perpetual, royalty-free, worldwide, non-exclusive license to use, reproduce, publish, modify, display, distribute, and promote such content.

Third-Party Links

This Site may contain links to third-party websites, including Neighborhood Loans, community organizations, veterinary clinics, local businesses, shelters, social media platforms, and other external resources.

These links are provided solely for your convenience.

Ask O'Malley does not control or endorse third-party websites and is not responsible for their content, privacy practices, products, or services.

Your use of third-party websites is at your own risk.

Mortgage Information Disclaimer

Ask O'Malley is an educational and informational website operated by Sue Mershon.

Mortgage products and lending services are offered through Neighborhood Loans and are subject to applicable licensing requirements, underwriting approval, borrower qualifications, and federal and state lending regulations.

Submitting a contact form, requesting information, or scheduling a consultation does not guarantee loan approval or establish a lending relationship.

Loan approvals are subject to factors including, but not limited to:

Credit review
Income verification
Property eligibility
Underwriting guidelines
Applicable federal and state lending regulations

Mortgage rates, loan programs, and lending requirements may change without notice.

Mortgage services are available only in states where Sue Mershon is properly licensed.

Equal Housing Opportunity

Ask O'Malley and Sue Mershon support the principles of the Fair Housing Act and Equal Housing Opportunity.

We are committed to providing equal access to information and services without discrimination based on race, color, religion, national origin, sex, disability, familial status, or any other protected characteristic under applicable law.

No Financial, Legal, or Tax Advice

The information provided on this website is intended solely for educational purposes.

You should consult qualified financial, legal, tax, or mortgage professionals regarding your individual circumstances before making financial decisions.

Nothing contained on this website should be interpreted as professional advice specific to your situation.

Community Resource Disclaimer

Ask O'Malley may provide recommendations or information regarding veterinarians, shelters, rescues, pet-friendly businesses, dog parks, community organizations, and other local resources.

These resources are provided for informational purposes only.

We do not guarantee the quality, availability, safety, or services offered by any third-party organization.

Users should independently evaluate any business before making decisions or purchases.

Online Services

Certain features of this Site may direct you to secure third-party services, including mortgage applications, appointment scheduling platforms, or payment providers.

Information submitted through those services is governed by their respective Terms of Service and Privacy Policies.

Ask O'Malley is not responsible for transactions or services provided by third parties.

User Conduct

By using this Site, you agree not to:

Use the Site for unlawful purposes.
Attempt unauthorized access to the Site or its servers.
Upload malicious software or harmful code.
Interfere with the operation or security of the Site.
Submit false, misleading, or fraudulent information.
Violate the intellectual property rights of Ask O'Malley or any third party.

We reserve the right to restrict access to users who violate these Terms.

Registration & Account Security

Certain features of this Site may require registration.

You agree to provide accurate, current, and complete information.

You are responsible for maintaining the confidentiality of your login credentials and all activity occurring under your account.

If you believe your account has been compromised, please contact us immediately at:

[email protected]

No Guarantee

Although we strive to keep all information accurate and current, we make no guarantees regarding the completeness, accuracy, reliability, or availability of any information on this Site.

Content, loan programs, rates, eligibility requirements, and community resources may change without notice.

Limitation of Liability

To the fullest extent permitted by law, Ask O'Malley shall not be liable for any direct, indirect, incidental, consequential, special, or punitive damages arising from your use of this Site or reliance upon its content.

All information is provided "as is" without warranties of any kind, whether express or implied.

Indemnification

You agree to indemnify and hold harmless Ask O'Malley, Sue Mershon, affiliates, employees, contractors, and partners from any claims, damages, liabilities, costs, expenses, or legal fees arising from your use of the Site or your violation of these Terms.

Termination

We reserve the right to suspend or terminate access to this Site, without prior notice, if we determine that a user has violated these Terms or engaged in unlawful or inappropriate conduct.

Governing Law

These Terms & Conditions shall be governed by the laws of the State of Wisconsin, without regard to conflict of law principles.

Any disputes arising from the use of this Site shall be resolved in accordance with applicable Wisconsin law.

Changes to These Terms

We may update these Terms & Conditions at any time.

The most current version will always be posted on this page along with the effective date.

Your continued use of the Site constitutes acceptance of any revisions.

Contact Information

If you have questions regarding these Terms & Conditions, please contact:

Ask O'Malley

Phone: (920) 737-9606

Email: [email protected]

Website: https://askomalley.com

By accessing or using this website, you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions.

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