No Spam Policy
MLO Networks, 514 Americas Way, #24746, Box Elder, South Dakota 57719 (Company, we, us, or our) has zero tolerance for spam, deceptive advertising, and unwanted automated messages. This policy applies to everyone who uses our directories and communication tools: loan officers, local businesses, and visitors.
1. Laws We Follow
All messages sent through or in connection with MLO Networks must follow the federal CAN-SPAM Act, the Telephone Consumer Protection Act (TCPA), the National and state Do Not Call rules, and California Business and Professions Code section 17529.5, along with other applicable state marketing laws. In particular, every commercial message must:
- Correctly identify the sender, and not use false header or routing information.
- Use truthful subject lines and headlines, and be clearly identified as an advertisement where required.
- Include a valid physical postal address for the sender.
- Give a clear, working way to opt out, and honor it within 10 business days (texts and calls: stop promptly, and no later than 10 business days).
2. No Automated Calls or Texts Without Consent
No one may use our platform to make marketing calls or send marketing texts with an autodialer, a prerecorded voice, or an artificial or AI-generated voice without the recipient's prior express written consent. Marketing contact must also respect the National Do Not Call Registry, state do-not-call lists, and each person's opt-out request.
3. No Scraping or Harvesting
Harvesting, scraping, or collecting email addresses, phone numbers, or other contact details from an MLO Networks directory is prohibited. You may not use directory listings to build mailing lists, robocall lists, or text-message campaigns, or use purchased or scraped lists in connection with our name.
4. Requests for a Free Ad and Inquiries
When a local business asks for a free ad or sends an inquiry, it agrees to be contacted by MLO Networks and the assigned loan officer about its listing, as explained in the Participating Business Agreement. That contact must stay on topic and respect opt-outs. We do not sell, rent, or share lead contact details with unrelated marketers.
5. Loan Officer Standards
Subscribing loan officers must also follow the stricter MLO Networks No Spam Policy: truthful, identified messages, honored opt-outs, no purchased lists, and no unconsented marketing texts or calls.
6. Enforcement
We investigate complaints. Anyone who uses our directories, domains, or tools to send spam, deceptive material, or unauthorized solicitations may have their account suspended or ended without refund, and we may take legal action or report the activity to authorities.
7. Reporting Spam or Opting Out
To report a message that appears to come from MLO Networks or that mentions our platform, or to ask us to stop contacting you, use our Legal & Privacy Requests form.