Morty's Electronic Disclosure and Consent and SMS Consent

By registering to use the Morty site, you are accepting all of the following terms and conditions relating to Morty’s electronic notification and electronic consent policies.

Disclosure and consent to electronic communications.

1.1 Consent to Electronic Communications. You understand and agree that you are entering into this E-Sign Consent Agreement (“E-Sign Consent”) electronically and you specifically agree to receive and/or obtain certain categories of information ("Communications") from Morty by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below.

The categories of Communications that may be provided by electronic means include:

  1. this E-Sign Consent, the Morty Terms of Service, Morty’s Privacy Policy and any amendments, modifications, or supplements thereto.
  2. disclosures or notices provided in connection with the Service, including any required by Applicable Law (including initial disclosures, initial and annual privacy notices, opt-out notices, and change-in-terms notices).
  3. any customer service communications, including communications with respect to claims of error or unauthorized use of the Site or Service; and
  4. any other communication related to the Site or Service.

Although Morty reserves the right to provide Communications in paper format at any time, you agree that Morty is under no obligation to do so. All Communications in either electronic or paper format will be considered to be "in writing." If you do not wish to receive this E-Sign Agreement or the Communications electronically, you may not use the Site or Service.

1.2 Consent to Short Message Service (SMS) Communications. As part of your consent to electronic Communications, you agree to receive SMS messages to each telephone number provided by you to Morty. You understand that such SMS may include automated messages and may include multiple messages over the course of your home financing process. Message and data rates may apply, depending on your mobile phone service plan. Your consent is requested only to allow Morty to contact you and is not required to use the site.

1.3 Timing of Communications. Any electronic Communications will be deemed to have been received by you no later than 5 Business Days after Morty sends it to you by email or posts it on a Site, whether or not you have received the email or retrieved the Communication from the Site. An electronic Communication by email is considered to be sent at the time that it is directed by Morty’s email server to your email address. You agree that these are reasonable procedures for sending and receiving electronic Communications.

1.4 Updated Contact Information. You agree to promptly update your Profile Information if your email address changes so that Morty may contact you electronically. You understand and agree that if Morty sends you an electronic Communication but you do not receive it because the email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, Morty will be deemed to have provided the Communication to you.

1.5 System Specifications. In order to access, view, and retain electronic Communications that Morty makes available to you, you must have access to: (a) a computer with an Internet connection; (b) a current web browser that includes 128-bit encryption (e.g. Google Chrome (Version 49), Mozilla Firefox (Version 45), and Apple Safari (Version 9.1)) with cookies enabled; (c) Adobe Acrobat Reader version DC and above to open documents in .pdf format; (d) sufficient electronic storage capacity on your computer’s hard drive or other data storage unit to save past Communications and/or an installed printer to print them; and (e) an email account with an Internet service provider and email software. Your access to this page through your device verifies that your device meets these requirements.

1.6 Withdrawal of Consent to Electronic Communications. If you have registered as a user with Morty and you wish to withdraw your consent to have Communications provided electronically, you must deregister by contacting and stop using the Site and Service. There are no fees to deregister with Morty. Any withdrawal of your consent to receive electronic Communications will be effective only after Morty has a reasonable period of time to process your withdrawal, which period of time shall be no longer than fifteen (15) days, or such other time as is appropriate under the circumstances, as determined by Morty in its sole discretion.

1.7 Withdrawal of Consent to SMS Communications. If you wish only to withdraw your consent to have Communications provided via SMS, you may opt-out of receiving SMS from us at any time by replying "STOP" or by emailing Upon receipt of your message or email, we will send you a SMS message to confirm that you have been unsubscribed. At that point, you will no longer receive SMS messages from Morty. If you need any assistance, you can always send an email to

1.8 Reservation of Rights. Morty reserves the right, in its sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which Morty provides electronic Communications. Morty will provide you with notice of any such termination or change as required by law.

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