Licensing & Disclosures

OnY Glo, Inc. DBA LoanLock, OGI Mortgage Bankers, Capitalend Home Loans (NMLS 237507). Equal Housing Lender. Some products may not be available in all states. Credit and collateral are subject to approval. This is not an offer for extension of credit or a commitment to lend. The information contained is not intended, and should not be interpreted or relied on as legal advice. Program restrictions apply. All rights reserved. OnY Glo, Inc. operates in the following states under the licenses above. 6 Hutton Centre Dr., Suite 1030, Santa Ana, CA. Specific disclosures do not reflect only those states in which OnY Glo, Inc., a California Corporation, conducts or is licensed to do business.

SMS Text Messaging Disclosure:

OnY Glo Inc. (“we,” “us,” or “our”) is committed to maintaining compliance with the Application-to-Person (A2P) 10 Digit Long Code (10DLC) guidelines established by the Cellular Telecommunications Industry Association (CTIA) and other relevant regulatory bodies. This section of our privacy policy outlines our A2P 10DLC compliance practices, how we handle text messaging, and the rights and choices available to users. A2P 10DLC Messaging refers to the use of long phone numbers for Application-to-Person (A2P) messaging, including SMS (i.e. text messages) and MMS, for business communications and marketing purposes. OnY Glo Inc. may engage in A2P messaging for various purposes, including but not limited to: customer support and service notifications, marketing and promotional messages, and/or transactional communications. We ensure that we have obtained proper express written consent prior to utilizing A2P with a user. Users have the option to opt in or opt out of receiving these messages at any time. Consent may be obtained through various methods, including but not limited to website forms, mobile app preferences, and other opt-in mechanisms. All A2P 10DLC messages sent by OnY Glo Inc. comply with CTIA guidelines and applicable regulations. We do not share data with third parties for marketing/promotional purposes. Our messages are clear, transparent, and relevant to the user’s relationship with our business. If you have concerns about the content of our messages or wish to unsubscribe, please follow the instructions provided in the messages.

SMS opt-in or phone numbers for the purpose of SMS are not being shared with any third parties or affiliate company for marketing purposes.

CONSUMER COMPLAINT & RECOVERY FUND NOTICE

TEXAS RESIDENTS: CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A MORTGAGE BANKER OR RESIDENTIAL MORTGAGE LOAN ORIGINATOR LICENSED IN TEXAS SHOULD SEND A COMPLETED COMPLAINT FORM TO THE DEPARTMENT OF SAVINGS AND MORTGAGE LENDING (SML): 2601 N. LAMAR BLVD., SUITE 201, AUSTIN, TEXAS 78705; TEL: 1-877-276-5550. INFORMATION AND FORMS ARE AVAILABLE ON SML’S WEBSITE: SML.TEXAS.GOV.