SMS PRIVACY POLICY

This SMS Privacy Policy (“Policy”) describes how Our Business handles information in
connection with its Short Message Service (SMS) messaging programs. This Policy applies
specifically to the SMS opt-in and messaging programs operated by Our Business.

1. INFORMATION WE COLLECT In connection with our SMS programs, we collect only the information you voluntarily provide when you enroll, which may include your name, cell phone number(s), account number, and e-mail address. We do not collect additional personal data solely through the operation of our SMS programs.
2. HOW WE USE YOUR INFORMATION The information you provide is used solely for the purpose(s) for which you have given consent:
   • ●        Transactional Program: To deliver account-related messages, payment reminders, loan servicing notifications, and other communications directly related to your account with Our Business.
   • ●        Marketing & Promotional Program: To deliver offers for additional loan funds, refinancing opportunities, and other promotions from Our Business, only if you have separately consented to receive such messages.
3. NO SHARING OF MOBILE INFORMATION No mobile information — including your cell phone number(s) and SMS consent status — will be shared with third parties or affiliates for marketing or promotional purposes, other than the messaging aggregators and service providers we use solely to deliver the SMS communications you have requested. Your mobile data is used exclusively by Our Business to deliver the SMS communications to which you have consented. This restriction applies regardless of whether you have consented to transactional messages, marketing messages, or both.
4. DATA RETENTION We retain your SMS enrollment information for as long as necessary to administer the program(s) to which you are enrolled, to comply with applicable legal obligations, and to resolve disputes. If you opt out of an SMS program, we will retain a record of your opt-out as required by law.
5. DATA SECURITY Our Business maintains reasonable administrative, technical, and physical safeguards designed to protect the information collected in connection with our SMS programs against unauthorized access, disclosure, or misuse.
6. YOUR RIGHTS & CHOICES You may withdraw your consent to receive SMS messages at any time by replying STOP to any message, or by contacting us as described in our SMS Terms & Conditions. Withdrawal of consent does not affect information already collected or actions taken prior to your opt-out.
7. CHANGES TO THIS POLICY Our Business reserves the right to update this Privacy Policy at any time. Any material changes will be communicated via our website or direct notice. Your continued participation in our SMS program(s) following an update constitutes acceptance of the revised Policy.
8. CONTACT US If you have questions about this Privacy Policy or our data practices, please contact us at:
   Our Business  •  123 Main St  •  Anytown, US 12345  •  800-555-5555