SMS Terms & Conditions

These SMS Terms & Conditions (“Terms”) govern your consent to receive Short Message
Service (SMS) text messages from Our Business (“we,” “us,” or “our”). By checking a
consent box on the SMS Opt-In Form and/or by responding to any opt-in prompt, you agree
to these Terms.

1. Program Description. Our Business operates two separate SMS messaging programs: (a) a Transactional SMS Program for account-related and loan servicing communications, including payment reminders and account notifications; and (b) a Marketing & Promotional SMS Program for offers regarding additional loan funds, refinancing opportunities, and other promotions. Enrollment in one program does not constitute enrollment in the other.
2. Consent Requirement. Participation in either SMS program is entirely voluntary. Your consent to receive SMS messages is not required as a condition of obtaining a loan, product, or service from Our Business.
3. Message Frequency. Message frequency may vary depending on your account activity and the program(s) in which you are enrolled. Transactional messages will be sent as relevant account events occur. Marketing messages will be sent periodically, as determined by Our Business.
4. Message and Data Rates May Apply. Standard message and data rates charged by your mobile wireless carrier may apply to each SMS message sent to or received from Our Business. Our Business is not responsible for any such charges. Contact your wireless carrier for details about your plan.
5. Supported Carriers. Our Business’s SMS programs are available on most major U.S. wireless carriers. We cannot guarantee delivery on all carriers or devices.
6. Carriers Are Not Liable for Any Delayed or Undelivered Messages. Our Business and participating wireless carriers are not responsible for any undue delays, failure of delivery, errors, or losses of any messages transmitted via SMS. Carrier liability is expressly disclaimed.
7. Opt-Out Instructions — STOP. To stop receiving SMS messages from either or both programs at any time, reply STOP to any SMS message you receive from Our Business. Upon receipt of your STOP message, we will send you a final confirmation message and you will be unenrolled from the applicable program(s). If you are enrolled in both programs, replying STOP will unenroll you from both. To unenroll from only one program, please contact us directly at 800-555-5555 or in writing at Our Business, 123 Main St, Anytown, US 12345.
8. Help Instructions — HELP. To receive help or information about Our Business’s SMS programs, reply HELP to any SMS message you receive from Our Business. You may also contact us at 800-555-5555 or at Our Business, 123 Main St, Anytown, US 12345.
9. Authorized User. You represent and warrant that you are the owner or authorized user of the mobile device and phone number provided. If your cell phone number changes, you must notify Our Business immediately. You are solely responsible for any unauthorized use of your phone number.
10. Modification or Termination of Program. Our Business reserves the right to modify, suspend, or terminate either SMS program at any time, with or without notice. We may also update these Terms at any time. Continued participation in a program following any such update constitutes your acceptance of the revised Terms.
11. Governing Law. These Terms are governed by the laws of the United States and the state in which Our Business operates, without regard to conflict of laws principles.
12. Privacy Policy. Your privacy is important to us. For information about how we collect, use, and protect the data you provide in connection with our SMS programs — including your mobile number and SMS opt-in consent data — please review our SMS Privacy Policy.
13. Contact Information. For questions about these Terms or our SMS programs, contact us at:
    Our Business  •  123 Main St  •  Anytown, US 12345  •  800-555-5555