ALL THINGS CREDIT INC. MOBILE TERMS & CONDITIONS 

Effective Date: July 29, 2026 

Agreement to Receive Text Messages 

By providing your mobile telephone number and affirmatively opting into any SMS or MMS messaging program offered by All Things Credit Inc. (“All Things Credit,” “Company,” “we,” “our,” or “us”), you expressly consent to receive recurring automated and non-automated marketing, promotional, informational, educational, transactional, and customer service text messages from All Things Credit at the mobile telephone number you provided. 

Your consent is not required as a condition of purchasing any products or services. Consent applies only to the mobile telephone number provided during the opt-in process and may be revoked at any time as described below. 

Program Description 

Our messaging programs may include educational financial tips, credit education, budgeting resources, newsletters, reminders, account notifications, appointment confirmations, customer support communications, responses to inquiries, promotional offers, announcements regarding new articles, webinars, courses, tools, services, surveys, event invitations, and other information relating to the educational resources and services provided by All Things Credit. 

Message frequency will vary depending on your interactions with us, your account activity, and the messaging programs in which you enroll. 

User Consent 

By opting into our messaging program, you represent that you are the authorized user of the mobile telephone number provided or that you have the account holder’s permission to enroll the number. You agree to promptly notify us if your mobile number changes or is transferred to another person. 

You further acknowledge that your consent may be documented through electronic records, including the date and time of consent, IP address, browser information, consent language displayed during enrollment, and other records maintained for compliance purposes. 

Message and Data Rates 

Message and data rates may apply depending upon your wireless carrier and service plan. Charges for text messaging are billed by your wireless carrier, not by All Things Credit. You are solely responsible for any fees imposed by your wireless provider. 

Opt-Out Instructions 

You may opt out of receiving future text messages at any time by replying STOP to any message you receive from us. After we process your request, you will receive a confirmation message indicating that you have been unsubscribed from the applicable messaging program. Following your opt-out request, you will no longer receive marketing or promotional text messages unless you subsequently provide new consent. 

Help Instructions 

If you need assistance regarding our messaging program, reply HELP to any text message you receive or contact us using the contact information provided below. 

Supported Carriers 

Our messaging services are supported by most major wireless carriers; however, supported carriers may change without notice. Wireless carriers are not liable for delayed, undelivered, or misdirected messages. 

Electronic Communications 

Participation in our messaging programs constitutes your agreement to receive communications electronically. Electronic records maintained by All Things Credit concerning your enrollment, consent, messaging history, and opt-out requests shall be deemed valid business records and may be used to demonstrate compliance with applicable laws. 

Privacy 

Information collected in connection with our messaging programs is subject to our Privacy Policy. We may collect and maintain records including your mobile telephone number, messaging preferences, consent records, message history, opt-in and opt-out status, communication preferences, and related information necessary to administer our messaging programs, provide customer support, comply with legal obligations, and maintain compliance with applicable federal and state laws. 

We do not sell your mobile telephone number or SMS consent to third parties for their independent marketing purposes. However, we may share information with trusted service providers, messaging platform providers, telecommunications providers, analytics providers, and vendors who assist us in operating our messaging program, provided they are contractually obligated to protect your information and use it only for authorized business purposes. 

User Responsibilities 

You agree not to use our messaging programs for any unlawful purpose or in any manner that interferes with the operation of our systems. You agree to provide accurate information during enrollment and acknowledge that providing another person’s telephone number without authorization may violate applicable law. 

Program Availability 

Message delivery is subject to effective transmission by your wireless carrier, network availability, and other factors beyond our control. We do not guarantee that messages will be delivered within any particular timeframe or that our messaging services will always be available. 

Changes to Messaging Program 

We reserve the right to modify, suspend, discontinue, or terminate any messaging program, message frequency, short code, toll free number, or sending telephone number at any time without prior notice, subject to applicable law. 

We also reserve the right to modify these Mobile Messaging Terms & Conditions at any time. Any revisions become effective immediately upon posting with an updated Effective Date. Your continued participation following such changes constitutes your acceptance of the revised Terms. 

Limitation of Liability 

To the maximum extent permitted by law, All Things Credit, its owners, officers, directors, employees, contractors, affiliates, licensors, successors, assigns, and agents shall not be liable for any delayed, failed, misdirected, incomplete, or undelivered messages, network outages, carrier delays, interruptions, technical failures, or any damages arising from participation in our messaging programs. 

Contact Information 

ALL THINGS CREDIT INC. 

Website: https://allthingscredit.org/ 

Email: info@allthingscredit.org 

Phone: (888) 631-7141