Debra Hubka Loans

Effective Date: October 1st, 2026

SMS Messaging Terms & Compliance

1.1 Program Description

Our SMS messaging program sends appointment confirmations and reminders to customers who have booked an appointment with Debra Hubka Loans through our website (https://debrahubkaloans.com/home) or via scheduling forms and have explicitly opted in to receive SMS notifications. Opt-in is collected via web forms with a dedicated checkbox for SMS consent. Messages may include:

Scheduling confirmations

Appointment reminders

Rescheduling updates

Customer support communications

1.2 Cancellation Instructions

You can cancel SMS notifications at any time by replying "STOP" to the number that sent you messages. Upon receipt, we will confirm your unsubscribe status via SMS. Once confirmed, you will no longer receive messages unless you re-opt in through our website.

1.3 Support Information

If you experience issues with the messaging program, reply with "HELP" for assistance or contact us at:

Email: [email protected]

Phone: (205) 292-7996 (during business hours)

1.4 Carrier Liability & Message Rates

Carriers are not liable for delayed or undelivered messages.

Message and data rates may apply based on your mobile carrier plan.

Message frequency varies depending on your service usage and appointment schedule.

1.5 Supported Carriers

Our SMS program works with major U.S. wireless carriers, including AT&T, T-Mobile, Verizon, Sprint, and most regional carriers.

1.6 Age Restriction

You must be at least 18 years old to participate in our SMS program.

1.7 Privacy Policy

For privacy-related inquiries, please refer to our

Privacy Policy.

General Terms

2.1 Acceptance of Terms

This website (the "Site") is owned and operated by Debra Hubka Loans ("we," "our," or "us"). By accessing or using the Site, you agree to be bound by these Terms of Service, as well as our Privacy Policy, and any additional terms applicable to specific sections of the Site or services.

We reserve the right to modify these Terms at any time. Updated terms will be posted on this Site. Continued use of the Site after updates constitutes acceptance of the revised Terms.

Intellectual Property Rights

3.1 Limited License to You

All content on this Site, including text, images, logos, and software, is the property of Debra Hubka Loans and is protected by copyright, trademark, and other intellectual property laws. You may download or print a single copy of individual pages for personal, non-commercial use, provided all copyright notices remain intact.

3.2 Prohibited Uses

You may not:

Modify, reproduce, republish, upload, or distribute any content from this Site without written permission.Use any content in a way that infringes upon our rights or violates applicable laws.

3.3 User-Generated Content

By submitting any content (e.g., comments, reviews, social media posts) to us, you grant us a royalty-free, perpetual, irrevocable, non-exclusive, worldwide license to use, modify, distribute, and display such content.

Disclaimers & Limitations of Liability

4.1 No Warranties

All content and services provided on the Site are offered "as is" without warranties of any kind. We disclaim all warranties, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.

4.2 Indemnification

You agree to indemnify and hold Debra Hubka Loans, its officers, and employees harmless from any claims, damages, liabilities, or expenses resulting from your use of the Site or breach of these Terms.

Online Commerce

Certain sections of the Site may allow purchases. Debra Hubka Loans is not responsible for payment disputes or other issues arising from transactions.

Registration & Account Security

6.1 Account Registration

To access certain features, you may need to create an account. You agree to:

Provide accurate, current, and complete information.Keep your login credentials confidential.

6.2 Unauthorized Use

If you suspect unauthorized use of your account, notify us immediately at [email protected]. We are not responsible for any loss resulting from unauthorized account use.

Termination of Access

We reserve the right to suspend or terminate your access to the Site without notice if we determine that you have violated these Terms or engaged in illegal or inappropriate conduct.

Governing Law & Dispute Resolution

These Terms are governed by the laws of the state where Debra Hubka Loans operates. Any disputes shall be resolved exclusively through binding arbitration in that jurisdiction.

Changes to Terms of Service

We may update these Terms periodically. The latest version will always be available on our website.

Contact Information

For any questions regarding these Terms of Service, contact us at:

Company Name: Debra Hubka Loans

Phone: +1 205-860-6453

Email: [email protected]

Website: debrahubkaloans.com

Address: 12347 S Pointe Dr, Moundville AL 35474

By using our website and services, you agree to these

Terms of Service.