SMS Compliance Disclosure

SMS Terms & Conditions

Effective Date: May 28th 2026

These SMS Terms & Conditions (“Terms”) govern participation in the text messaging program (“SMS Program”) offered by Hutcheson and Ferraro Investments Company.

By opting into our SMS Program, you agree to these Terms and our Privacy Policy.

1. Program Description

Hutcheson and Ferraro Investments may send promotional, informational, transactional, and customer care text messages, including but not limited to:

• Appointment reminders

• Customer support communications

• Promotional offers and marketing messages

• Account notifications

• Business updates and alerts

Message frequency may vary.

2. User Consent

By providing your mobile phone number and opting into the SMS Program, you expressly consent to receive recurring automated text messages from Hutcheson and Ferraro Investments at the phone number provided.

Consent is not a condition of purchase.

You certify that:

• You are the account holder or have the account holder’s permission to enroll the mobile number provided

• You are at least 18 years old

• The information you provide is accurate and complete

3. Message and Data Rates

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

Hutcheson and Ferraro Investments is not responsible for any fees charged by your wireless carrier.

4. Opt-Out Instructions

You may opt out of the SMS Program at any time by replying:

STOP

After submitting an opt-out request, you may receive one final message confirming your removal from the program.

5. Help Instructions

For assistance with the SMS Program, reply:

HELP

or contact us directly:

Hutcheson and Ferraro Investments
12525 Walsingham Rd
Largo, FL 33774

Phone: 727-637-8611
Email: drew@fhprofit.com
Website: https://fhprofit.com

6. Supported Carriers

Supported carriers may include major U.S. wireless providers; however, carrier participation may vary and is subject to change.

Carriers are not liable for delayed or undelivered messages.

7. Message Delivery Disclaimer

SMS message delivery is subject to effective transmission by your wireless carrier and may be limited by factors outside our control.

We do not guarantee that messages will be delivered successfully or on time.

8. Privacy

Your privacy is important to us. Information collected through the SMS Program is governed by our Privacy Policy available at:

https://fhprofit.com/privacy-policy

We do not sell or share mobile opt-in information with third parties for their own marketing purposes.

9. Prohibited Use

You agree not to:

• Use the SMS Program for unlawful purposes

• Provide false or misleading information

• Interfere with or disrupt the operation of the SMS Program

• Attempt unauthorized access to our systems or services

10. Modification or Termination

We reserve the right to modify, suspend, or terminate the SMS Program or these Terms at any time without prior notice.

Any changes will become effective upon posting updated Terms on our website.

11. Limitation of Liability

To the fullest extent permitted by law, Hutcheson and Ferraro Investments shall not be liable for:

• Delayed or undelivered text messages

• Errors in transmitted information

• Interruptions in SMS service

• Any damages arising from participation in the SMS Program

Participation is at your own risk.

12. Compliance with Laws

This SMS Program is intended to comply with all applicable federal, state, and local laws, including:

• Telephone Consumer Protection Act (TCPA)

• CTIA Messaging Principles and Best Practices

• Florida Telephone Solicitation Act (FTSA)

• Applicable consumer protection and privacy laws

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida and applicable federal laws of the United States.

Any disputes arising under these Terms shall be resolved exclusively in the appropriate state or federal courts located in Florida.

14. Contact Information

If you have questions regarding these Terms & Conditions or the SMS Program, contact us:

Hutcheson and Ferraro Investments
12525 Walsingham Rd
Largo, FL 33774

Phone: 727-637-8611
Email: drew@fhprofit.com
Website: https://fhprofit.com