Effective: October 11, 2026
We may communicate with you in a variety of different ways including by email, voicemail, mail, text and SMS messaging, and in person. Some communications occur through multiple channels. Such communications are confidential and only intended for you or persons authorized to act on your behalf. By using the Service, you acknowledge the following communications-related practices.
1. Who we are
OCAL Capital Corp (“OCAL,” “we,” “us” or “our”) is a Florida-licensed mortgage broker business, Company NMLS #375292, located at 2814 Monroe Street, Hollywood, FL 33020. We are a mortgage broker, not a lender: we arrange loans with third-party lenders. In this policy, “the Service” means our website, ocalcapital.com, and the mortgage brokerage services we provide.
2. Why we contact you
We may contact you to:
- respond to a quote request or other inquiry you send us;
- discuss loan options, collect documents and give you status updates on an application or loan;
- send required notices and disclosures, appointment reminders and service messages;
- tell you about mortgage products, rate changes or services that may interest you, but only if you have agreed to receive these messages where the law requires your consent.
3. Phone calls and text messages: your consent
When you check the consent box on one of our forms, you agree that OCAL Capital Corp may contact you at the phone number you provided, including by calls and text messages made with an autodialer or other automated technology and by prerecorded or artificial-voice messages. This consent:
- applies to OCAL Capital Corp only. It does not authorize any other company to call or text you;
- is not a condition of any purchase or loan. You can still work with us without giving it, by phone, email or in person;
- applies to the number you give us. Please give us only a number that you own or are authorized to use, and tell us if it changes. If we learn that a number has been reassigned to someone else, we will stop calling or texting it.
If you do not check the box, we may still reply to you by email or by a manual phone call about the request you sent us.
We place calls and send marketing texts only during the hours Florida law allows (currently 8:00 a.m. to 8:00 p.m. in your local time zone).
4. Text message (SMS) terms
- Program: OCAL Capital Corp mortgage inquiry and loan-status texts, plus marketing texts if you agreed to them.
- Message frequency varies depending on your request and where your loan is in the process.
- Message and data rates may apply, according to your mobile carrier plan.
- To stop: reply STOP (or END, CANCEL, UNSUBSCRIBE, QUIT or STOPALL) to any message. We will send one text confirming you have been unsubscribed, and then no more texts.
- To restart: reply START.
- For help: reply HELP, call (754) 348-0330 or email info@ocalcapital.com.
- Mobile carriers are not liable for delayed or undelivered messages.
- Please do not text us Social Security numbers, account numbers or other sensitive information. We will tell you how to send documents securely.
5. Your mobile information
We do not sell your mobile phone number or your text-message opt-in information, and we do not share them with third parties or affiliates for their own marketing. We share your information only as needed to provide the services you asked for (for example, with the lender processing your loan or a service provider that sends our messages for us), as described in our Privacy Policy.
6. Email
We may email you about your inquiry, application or loan, and, if you have not opted out, about products and news we think may interest you. Every marketing email includes an unsubscribe link and our mailing address. If you unsubscribe from marketing emails, we may still send you transactional or legally required emails about an application or loan you have with us.
Email is not always secure. Please do not send Social Security numbers, account numbers or other sensitive information by regular email.
7. Voicemail and mail
If we can’t reach you, we may leave a voicemail at the number you gave us. We keep these messages brief and avoid sensitive details, because other people may be able to hear them. We may also send letters and required notices to the mailing address you give us.
8. Call recording and monitoring
Calls may be monitored or recorded only where permitted by law and with notice and consent as required, including Florida’s all-party consent rule. If a call is being recorded, we will tell you at the start of the call. If you do not want a call recorded, tell us and we will stop recording or continue the conversation another way.
9. Third parties who may contact you
If you apply for a loan, the lender, appraiser, title or closing company, and other companies involved in your loan may contact you directly to send required disclosures and complete your loan. Their communications are covered by their own policies. Our online application is hosted by a third-party platform, which may send you application-related emails or texts.
10. How to opt out or change your preferences
You can withdraw your consent or change how we contact you at any time, in any reasonable way, including:
- replying STOP to any text message;
- telling us during a call that you don’t want any more calls;
- clicking “unsubscribe” in any marketing email;
- calling (754) 348-0330, emailing info@ocalcapital.com, or writing to OCAL Capital Corp, 2814 Monroe Street, Hollywood, FL 33020.
We add opt-out requests to our internal do-not-call list and act on them promptly, within the time federal and Florida law allow. Opting out of marketing does not stop messages we are required to send you about an active application or loan.
We do not make telemarketing calls to numbers on the National Do Not Call Registry or Florida’s “Do Not Call” list unless the law allows it, for example when you have given us your prior express written consent.
11. Confidentiality
Our communications are intended only for you or people you have authorized to act for you. If you receive a message from us by mistake, please let us know and delete it. To add a person who may discuss your loan with us (for example, a family member or your real estate agent), tell us in writing.
12. Changes to this policy
We may update this Communications Policy from time to time. The current version will always be posted on this page with its effective date. We will ask for your consent again where the law requires it.
13. Contact us
OCAL Capital Corp 2814 Monroe Street, Hollywood, FL 33020 Phone: (754) 348-0330 Email: info@ocalcapital.com Company NMLS #375292 ยท Berk OCAL, NMLS #348809 NMLS Consumer Access
See also our Privacy Policy and Terms of Use.