Terms & Conditions

Effective date: November 3, 2026

These terms apply to your use of joinourtree.com and participation in the Gold Leaf Lending LLC informational text messaging program.

About Gold Leaf Lending

Gold Leaf Lending LLC provides mortgage brokerage services. Information on this website is for general informational purposes and does not constitute a loan approval, commitment to lend, or guarantee of any rate or loan terms.

All loans are subject to applicable eligibility requirements, credit approval, underwriting, and property approval. Programs, rates, and terms may change. Services are available only where Gold Leaf Lending LLC is authorized to conduct business.

Company NMLS ID: 2499484.

Website Use

You agree to provide accurate information when contacting us and to use this website for lawful purposes. Do not submit Social Security numbers, bank account details, passwords, or sensitive financial documents through general inquiry forms or the chat widget. We will direct you to an appropriate secure application process when needed.

Submitting an inquiry does not create a lending commitment or guarantee financing.

Informational SMS Program

Gold Leaf Lending LLC offers optional text messages concerning mortgage inquiries, requested mortgage services, consultation scheduling, appointment confirmations and reminders, and application or service updates.

This SMS program does not send promotional or marketing messages.

You must be at least 18 years old to participate in the SMS program. Participation requires your affirmative consent through a designated SMS opt-in method. Providing a telephone number alone does not enroll you.

Consent to receive text messages is not a condition of purchasing goods or services, obtaining financing, or submitting an inquiry. You may contact us by phone or email instead.

Message Frequency and Charges

Message frequency varies based on your inquiries, appointments, and requested services. Message and data rates may apply to messages sent or received. Contact your wireless provider with questions about your messaging or data plan.

Opting Out

You may withdraw SMS consent at any time by replying STOP to a message from us. You may receive one confirmation of your opt-out. After that confirmation, no further messages will be sent through this SMS program unless you opt in again.

To rejoin, complete the SMS opt-in process again.

Help and Support

Reply HELP to a text message for assistance, or contact us:

Email: tyler@joinourtree.com
Phone: (913) 620-8737
Mail: Gold Leaf Lending LLC, 1321 Burlington St, Ste B4, North Kansas City, MO 64116

Delivery

Text message delivery is subject to wireless network availability and other factors. Carriers are not liable for delayed or undelivered messages.

Privacy

Our Privacy Policy explains how we handle personal information:

https://www.joinourtree.com/privacy-policy

We do not sell or share mobile information or SMS opt-in data and consent with third parties or affiliates for their marketing or promotional purposes. We may disclose this information to service providers that support delivery and operation of our messaging program, solely for those purposes.

Third-Party Websites

Our website may link to third-party websites or services, including secure mortgage application platforms. Those services operate under their own terms and privacy policies.

Changes to These Terms

We may update these terms by publishing a revised version on this page with an updated effective date. Changes do not expand your SMS consent; we will obtain additional consent where required.

Contact

For questions about these terms, contact Gold Leaf Lending LLC at tyler@joinourtree.com or (913) 620-8737.