SMS and Messaging Terms

    Last Updated: August 15, 2026

    1. Program Description

    Kala Financial LLC sends text messages to individuals who have provided their mobile number and given express consent. Messages relate to your inquiry, application status, document requests, appointment scheduling and, where separately authorized, occasional information about our services.

    2. Consent

    Consent is collected through checkboxes on our forms and is recorded with a timestamp. We use two separate consents:

    • Transactional or conversational messages about the request you submitted.
    • Marketing or promotional messages, which require their own separate opt-in.

    Consent to receive text messages is not a condition of any purchase, service, application or financing decision. You may decline and still work with us by phone or email.

    3. Message Frequency, Rates and Carriers

    Message frequency varies based on your activity and where you are in the process. Message and data rates may apply according to your plan. Carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed on all carriers or devices.

    4. How to Opt Out or Get Help

    • Reply STOP to any message to end all texts from that program. You will receive one confirmation message and no further texts.
    • Reply HELP for assistance, or contact us using the details below.
    • You may also email info@kalafinancial.com to be removed.

    5. Privacy of Mobile Data

    Mobile opt-in information and consent are never sold, rented or shared with third parties or affiliates for their marketing purposes. Phone numbers are used only to communicate with you about the services described above and are handled as described in our Privacy Policy. Where a messaging vendor processes messages for us, it acts only on our instructions.

    6. Changes and Contact

    We may update these messaging terms. Questions can be sent to:

    Kala Financial LLC

    5760 Lindero Canyon Rd. #1162

    Westlake Village, CA 91362

    Phone: (805) 334-8871

    Email: info@kalafinancial.com

    Important Disclosure. Kala Financial LLC, a Hawaii limited liability company registered as a foreign limited liability company in the State of California ("Kala Financial"), is a strategic advisory and consulting firm. We provide financial strategy, capital advisory, transaction support, and operational consulting services solely pursuant to a fully executed written engagement agreement. Kala Financial supports clients nationwide and conducts a substantial volume of business in California.

    Not a Licensed Professional Services Firm. Kala Financial is not a law firm, certified public accounting firm, registered investment adviser, securities broker-dealer, lender, or insurance carrier. We do not provide legal, tax, audit, attestation, investment advisory, or securities brokerage services, and nothing on this website should be construed as such.

    Our Role in Financing Transactions. Kala Financial acts in an advisory and preparation capacity. We assist clients in organizing financial information, developing lending narratives and materials, and evaluating potential capital structures and providers. We do not lend, underwrite, issue, or fund financing. All credit decisions, including approval, loan amount, pricing, structure, and timing, are made solely by lenders and capital providers in their discretion. Kala Financial does not guarantee loan approval, funding, credit decisions, investment performance, or any transaction outcome.

    Third-Party Compensation. Kala Financial may receive referral fees or other compensation from lenders, capital providers, or service partners in connection with introductions, referrals, or completed transactions. Any such arrangements do not increase the cost of services to the client unless expressly disclosed in the client's engagement agreement.

    Informational Purposes Only. All information, materials, articles, projections, valuations, models, analyses, and forward-looking statements presented on this website are provided for general informational purposes only and are based on assumptions that may change without notice. Actual results may differ materially. Nothing contained on this website constitutes an offer to sell or a solicitation of an offer to buy any securities or financial instruments, nor a commitment to provide financing of any kind.

    Client Responsibilities. Clients are responsible for providing complete and accurate information and for making all final business, financial, legal, tax, and investment decisions. Clients are encouraged to consult their own licensed legal, tax, accounting, and investment professionals before implementing any strategy or entering into any transaction.

    Accuracy of Submitted Information and Files. The business, its owners, officers, employees, and any individual submitting information represent that they are authorized to provide it and that all information, documents, and files submitted through this website, our forms and upload tools, email, text message, phone, or any other channel are true, complete, accurate, current, and unaltered. Kala Financial does not verify, audit, or authenticate submitted materials and assumes no responsibility or liability for information or files that are incorrect, incomplete, outdated, corrupted, unreadable, virus-affected, misattributed, submitted without authority, or fraudulent, or for any decision, delay, denial, loss, or damage arising from them. Submission of false or fraudulent information may result in immediate termination of services and referral to lenders, capital providers, partners, or appropriate authorities.

    No Relationship Created by Website Use. Use of this website, including any forms, tools, or content made available through it, does not create a client, advisory, or fiduciary relationship with Kala Financial. Advisory services are provided solely pursuant to a fully executed written engagement agreement.

    Information submitted through this website is handled in accordance with our Privacy Policy.