These Terms and Conditions constitute a legally binding agreement governing your access to and use of our website, services, and communication programs.
Maple54, LLC ("Company," "we," "us," or "our") operates the website located at Maple54, LLC and all associated subdomains, landing pages, lead capture forms, and digital communication programs. These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Maple54, LLC governing your access to and use of our website, services, SMS/MMS text messaging programs, email communications, and all other interactions you have with our company through any channel.
PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY BEFORE USING OUR WEBSITE OR SUBMITTING ANY INFORMATION THROUGH OUR FORMS. BY ACCESSING OUR WEBSITE, SUBMITTING A FORM, OR OPTING IN TO ANY OF OUR COMMUNICATION PROGRAMS, YOU CONFIRM THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS IN THEIR ENTIRETY.
If you do not agree to these Terms, you must immediately discontinue your use of our website and refrain from submitting any information to us.
For the purposes of these Terms and Conditions, the following definitions apply:
"Company" refers to Maple54, LLC, its officers, directors, employees, agents, contractors, affiliates, successors, and assigns.
"User," "You," or "Your" refers to any individual who accesses our website, submits information through our forms, opts in to our communication programs, or engages with our services in any capacity.
"Website" refers to www.maple54.com and all associated pages, subdomains, landing pages, and digital properties operated by Maple54, LLC.
"Services" refers to all services offered, described, or promoted by Maple54, LLC, including but not limited to marketing services, transactional services, digital marketing, consulting, Real Estate Services, mortgage Services, financial Services, etc.
"SMS Program" refers to our Application-to-Person (A2P) 10DLC-registered text messaging communication programs through which we send SMS and MMS messages to opted-in users.
"10DLC" refers to 10-Digit Long Code, the industry-standard framework for business-to-consumer A2P SMS messaging in the United States, governed by The Campaign Registry (TCR) and administered through registered wireless carriers.
"Opt-In" refers to the affirmative act of providing consent to receive communications from us, whether through a website form checkbox, keyword text message, verbal agreement, or paper form.
"Opt-Out" refers to the act of withdrawing consent to receive communications from us, whether through replying STOP to an SMS, clicking unsubscribe in an email, or submitting a direct request.
"Affiliate Partner" refers to any third-party business, service provider, lender, agent, vendor, or organization with which Maple54, LLC maintains a referral, commission, or cooperative marketing relationship.
"Personal Information" refers to any information that identifies or could reasonably be used to identify a specific individual, including but not limited to name, phone number, email address, mailing address, and financial information.
"Content" refers to all text, images, graphics, videos, documents, data, code, and other materials published on or through our website and communications.
By accessing or using our website, submitting any form, providing your contact information, opting into any communication program, or engaging with our services in any way, you represent and warrant that:
Maple54, LLC reserves the right to update, modify, or revise these Terms and Conditions at any time and at our sole discretion. When material changes are made, we will update the "Last Updated" date at the top of this document. For significant changes, we may also notify you via email or a prominent website notice. Your continued use of our website or services following the posting of any changes constitutes your acceptance of those changes. It is your responsibility to review these Terms periodically.
These Terms should be read in conjunction with our Privacy Policy, which is incorporated herein by reference and forms part of this agreement. In the event of any conflict between these Terms and our Privacy Policy regarding data privacy matters, the Privacy Policy shall govern.
Maple54, LLC operates fully registered and compliant Application-to-Person (A2P) SMS and MMS messaging programs under the 10-Digit Long Code (10DLC) framework. Our messaging programs are:
Maple54, LLC maintains 100% compliance with all 10DLC registration, operational, and reporting requirements established by The Campaign Registry, CTIA, and participating wireless carriers. We do not operate any unregistered or non-compliant SMS messaging programs.
Your participation in our SMS messaging program is entirely voluntary and requires your explicit, affirmative, prior written consent. Consent is collected through the following methods:
Website Form Opt-In: When you complete a contact form, lead form, inquiry form, consultation request form, or any other submission form on our website at Maple54, LLC, you will encounter a clearly visible, unchecked SMS consent checkbox positioned before the submit button. You must affirmatively check this box in order to consent to receive SMS messages. The checkbox is never pre-checked. You may not submit the form without making an active choice regarding this checkbox. The consent language reads:
"By checking this box, I consent to receive recurring automated SMS/MMS text messages from Maple54, LLC at the mobile phone number I have provided above. Message frequency varies. Message and data rates may apply. Consent is not a condition of purchase or receipt of services. Reply STOP to unsubscribe at any time, HELP for help."
Keyword / Text-In Opt-In: You may opt in by texting an opt-in keyword (such as START, JOIN, or another designated keyword) to 858-808-1221. Doing so constitutes your explicit consent to receive SMS messages from us. You will receive an opt-in confirmation message upon enrollment.
Verbal Consent: In the context of a phone consultation, in-person meeting, or other direct interaction with a member of our team, you may provide verbal consent to receive SMS messages. Our team members are trained to clearly describe the SMS program, its frequency, your ability to opt out, and applicable disclosures before obtaining verbal consent. A record of verbal consent, including date, time, and the nature of the consent, is retained in our systems.
Paper Form Opt-In: Where applicable, such as in-person intake forms or application documents, a written consent field for SMS communications is included. Your signature or initials on that field constitutes your opt-in consent.
Your consent to receive SMS and MMS messages from Maple54, LLC is entirely optional and is never a condition of purchasing, receiving, or being eligible for any of our products or services. Refusing to opt in to our SMS program will not affect your eligibility for or access to our services in any way.
After opting in to our SMS program, you may receive automated, recurring, and/or manually sent SMS/MMS messages from Maple54, LLC related to, but not limited to, the following:
All SMS messages sent by Maple54, LLC will clearly identify us as the sender in the message body or sender ID. No message will be sent from our registered numbers on behalf of a third party.
Message frequency varies depending on the nature of your inquiry, the type of program you have enrolled in, and the stage of your service engagement with us. For transactional programs such as appointment reminders or application status updates, messages are sent only as triggered by relevant events. We will always honor your opt-out request immediately and will never send messages after a valid opt-out has been processed.
Standard message and data rates may apply to all SMS and MMS messages sent to and received from Maple54, LLC. These charges are determined solely by your wireless service provider and the terms of your individual mobile service plan. Maple54, LLC does not impose any charge, fee, or subscription cost for participation in our SMS program. We recommend contacting your wireless carrier if you are unsure about the messaging rates applicable to your plan.
You have the absolute right to opt out of our SMS program at any time using any of the following methods:
Opt-out requests submitted via keyword reply are processed in real time. All other opt-out requests are processed within one (1) business day. Maple54, LLC retains a permanent record of all opt-outs to ensure compliance and prevent inadvertent re-enrollment.
If you have any questions, concerns, or need assistance related to our SMS program, you may:
This is one of the most critical provisions in our SMS Terms. Your SMS opt-in consent, mobile phone number, and all associated enrollment data are the exclusive property of your relationship with Maple54, LLC and are subject to the following strict restrictions:
Any person or entity found to have misrepresented their consent collection practices in connection with our platform will be immediately removed and reported to the appropriate regulatory authorities.
You agree that you will not:
Maple54, LLC is not responsible for any delays, errors, or failures in SMS or MMS message delivery caused by your wireless carrier, network congestion, technical issues with carrier infrastructure, or any other factor outside our direct control. Our SMS program is compatible with all major US wireless carriers including AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, US Cellular, MetroPCS, Cricket Wireless, and others. Carrier participation may vary and is subject to change without notice.
By providing your email address through our website forms or other contact channels, and by giving your affirmative consent where required, you agree to receive email communications from Maple54, LLC as described in these Terms. The types of email communications you may receive include:
Transactional Emails: Sent in direct response to an action you have taken, such as submitting a form, requesting a consultation, completing an application, or engaging in a service transaction. Transactional emails are necessary for service delivery and do not require separate marketing consent, though you will always have the ability to contact us to limit these communications where legally permissible.
Marketing and Promotional Emails: Sent to opted-in subscribers and may include promotional offers, service announcements, industry news and updates, newsletters, event invitations, educational content, market reports, and other commercial communications. These emails are sent only to individuals who have provided affirmative marketing consent.
Automated Drip Email Sequences: As part of our lead nurturing and client engagement programs, opted-in subscribers may be enrolled in automated sequences that deliver a pre-scheduled series of email communications over a defined period of time. These sequences are designed to provide relevant information and guide you through our service offerings. You may opt out of these sequences at any time.
Re-Engagement Emails: Sent to subscribers who have not recently engaged with our communications, for the purpose of confirming their continued interest in receiving our emails.
All commercial and marketing emails sent by Maple54, LLC comply fully with the requirements of the Controlling the Assault of Non-Solicited Pornography And Marketing (CAN-SPAM) Act of 2003, including the following:
You may unsubscribe from our marketing email communications at any time by:
After opting out of marketing emails, you will no longer receive promotional communications from us. However, you may continue to receive transactional emails related to any active service engagement, application, or transaction you have in progress with us, as these communications are necessary to deliver the service you requested.
Maple54, LLC may maintain affiliate marketing relationships, referral arrangements, and cooperative business agreements with various third-party companies, service providers, lenders, real estate professionals, insurance providers, and other industry-related organizations ("Affiliate Partners"). These relationships may involve the payment or receipt of referral fees, commissions, or other forms of compensation. This section provides complete transparency about how these relationships operate and how they interact with your information and your consent.
In compliance with the Federal Trade Commission (FTC) guidelines on endorsements and testimonials, and in the interest of full transparency, Maple54, LLC discloses the following:
The following restrictions govern how your personal information, including your contact data and consent records, interacts with our Affiliate Partners:
What Maple54, LLC will NOT do under any circumstances:
What Maple54, LLC may do with your explicit and separate consent:
Maple54, LLC does not use its registered 10DLC SMS messaging program to conduct affiliated marketing on behalf of any third party. Our registered SMS campaigns are approved solely for direct, first-party communications from Maple54, LLC to individuals who have given us their explicit consent. Using an A2P 10DLC-registered SMS campaign for affiliated marketing purposes where opt-in information is shared with third parties is a prohibited use case under CTIA guidelines and TCR requirements, and we strictly prohibit and do not engage in this practice.
Our website may contain links to websites operated by Affiliate Partners or other third parties. These links are provided for informational purposes only. Maple54, LLC does not control, endorse, or take responsibility for the content, products, services, privacy practices, or data handling of any third-party website. When you click a link to a third-party website, you leave our website and are subject to the terms and privacy policy of that third-party site. We strongly encourage you to review those policies before submitting any personal information to a third-party website.
Maple54, LLC grants you a limited, non-exclusive, non-transferable, revocable license to access and use our website for your personal, non-commercial purposes, subject to these Terms. This license does not include the right to:
You agree that you will not use our website or services to:
If you submit any content to us through our website, including messages, reviews, comments, or other communications, you grant Maple54, LLC a non-exclusive, royalty-free, perpetual, irrevocable, worldwide license to use, reproduce, modify, distribute, and display that content in connection with our business and marketing activities. You represent and warrant that any content you submit does not violate the rights of any third party, including intellectual property rights and privacy rights.
All content on our website, including but not limited to text, graphics, logos, images, photographs, videos, audio, software, code, and the overall design and compilation of the website ("Proprietary Content"), is owned by or licensed to Maple54, LLC and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws.
The name Maple54, LLC, our logo, and any other marks, product names, or slogans used on our website are trademarks or registered trademarks of Maple54, LLC. You may not use these marks without our prior written permission. All other trademarks and service marks appearing on our website are the property of their respective owners.
You may not reproduce, duplicate, copy, sell, resell, or exploit any portion of our Proprietary Content for any commercial purpose without our express written permission. Unauthorized use of our intellectual property may result in legal action.
The information provided on our website, including articles, blog posts, service descriptions, market data, rate information, and all other content, is provided for general informational purposes only. It does not constitute professional advice of any kind, including but not limited to legal advice, financial advice, investment advice, real estate advice, or mortgage advice.
Maple54, LLC makes no guarantee, representation, or warranty, express or implied, that the use of our services will produce any specific result, outcome, approval, financing, or other benefit. Results vary based on individual circumstances, market conditions, regulatory requirements, lender criteria, and numerous other factors outside our control.
While we make every effort to ensure the information on our website is accurate, current, and complete, we cannot guarantee that all information is free from errors or omissions. We reserve the right to correct any errors and to update information at any time without prior notice. Market rates, availability, and program terms are subject to change without notice.
Before making any significant financial, legal, or real estate decision, we strongly recommend consulting with a licensed and qualified professional, including a licensed attorney, certified financial planner, licensed mortgage professional, or licensed real estate agent, as appropriate to your situation.
OUR WEBSITE AND ALL CONTENT AND SERVICES PROVIDED THROUGH IT ARE OFFERED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.
Maple54, LLC does not warrant that: (a) our website will function uninterrupted, error-free, or free of viruses or other harmful components; (b) the results obtained from using our website will be accurate or reliable; (c) any errors or defects in our website will be corrected.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, Maple54, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, AND SUCCESSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH:
IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR YOUR USE OF OUR WEBSITE OR SERVICES EXCEED THE AMOUNT YOU PAID TO US, IF ANY, IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
Maple54, LLC makes no guarantee that SMS or MMS messages will be delivered successfully, delivered within any specific timeframe, or delivered free of error. Delivery is subject to factors outside our control, including wireless carrier network availability, technical infrastructure issues, and the accuracy of the mobile phone number you provided.
You agree to defend, indemnify, and hold harmless Maple54, LLC and its officers, directors, employees, agents, contractors, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
This indemnification obligation will survive the termination of these Terms and your use of our website.
In the event of any dispute, claim, or controversy arising out of or relating to these Terms, your use of our website, or our services, the parties agree to first attempt to resolve the matter informally by contacting Maple54, LLC directly at info@maple54.com / 480-650-9911, and providing a written description of the dispute. We will make good faith efforts to resolve the matter within thirty (30) days of receiving your written notice.
If informal resolution is unsuccessful, any unresolved dispute shall be finally resolved by binding arbitration administered in accordance with the rules of the American Arbitration Association (AAA) or JAMS, as selected by Maple54, LLC. The arbitration shall be conducted in San Diego, California. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
YOU AND Maple54, LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of representative or class proceeding.
Notwithstanding the arbitration agreement above, either party may seek emergency injunctive or equitable relief in a court of competent jurisdiction to prevent irreparable harm while arbitration is pending.
These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions. To the extent any dispute is not subject to binding arbitration under Section 11, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in San Diego County, California for the resolution of any such dispute.
By opting in to receive SMS messages from Maple54, LLC, you expressly acknowledge and agree to the following in compliance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227:
Maple54, LLC is committed to full compliance with all applicable federal and state laws, regulations, and industry standards governing our communications programs and business operations, including:
This compliance commitment is not static. We actively monitor regulatory developments and update our practices, policies, and systems as required to maintain full compliance at all times.
If any provision of these Terms and Conditions is found by a court or arbitrator of competent jurisdiction to be invalid, unlawful, void, or unenforceable, that provision shall be deemed severable from the remaining provisions and shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect. The severed provision shall be modified to the minimum extent necessary to make it enforceable, consistent with the original intent of the parties.
These Terms and Conditions, together with our Privacy Policy and any other agreements, disclosures, or policies expressly incorporated by reference herein, constitute the entire agreement between you and Maple54, LLC with respect to the subject matter hereof and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding such subject matter.
No failure or delay by Maple54, LLC in exercising any right, power, or privilege under these Terms shall operate as a waiver of that right, power, or privilege. No single or partial exercise of any right, power, or privilege shall preclude any further exercise thereof or the exercise of any other right, power, or privilege. A waiver of any right or provision of these Terms will only be effective if made in writing and signed by an authorized representative of Maple54, LLC.
Maple54, LLC shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from any cause beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, government actions, power failures, internet or telecommunications infrastructure failures, or acts or omissions of third-party service providers.
You may not assign, transfer, or delegate any of your rights or obligations under these Terms without our prior written consent. Maple54, LLC may freely assign these Terms and our rights and obligations hereunder to any successor entity in connection with a merger, acquisition, or sale of all or substantially all of our assets, without your consent. These Terms are binding upon and inure to the benefit of the parties and their permitted successors and assigns.
For any questions, concerns, requests, complaints, or notices regarding these Terms and Conditions, our SMS messaging program, our email communications, our affiliate practices, or any other matter covered in this document, please contact us through the following channels:
Maple54, LLC Attn: Legal / Compliance Department
5210 Kona Springs Lane, San Diego, California. 92120
Phone: 480-650-9911
We will acknowledge all written inquiries within two (2) business days and will endeavor to resolve all matters within thirty (30) days of receipt.
These Terms and Conditions have been prepared to ensure full compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, the California Consumer Privacy Act (CCPA/CPRA), CTIA Messaging Principles and Best Practices, The Campaign Registry (TCR) 10DLC campaign registration and operational requirements, Federal Trade Commission (FTC) affiliate disclosure guidelines, and all applicable federal and state laws governing digital communications, consumer privacy, and commercial transactions. Maple54, LLC maintains 100% compliance with all 10DLC registration standards and carrier guidelines governing A2P SMS messaging programs.
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