SMS Terms & Conditions

Last updated: March 19, 2026

1. Agreement to Receive SMS Messages

By providing your mobile phone number and opting in to receive text messages from Swipe Savvy, Inc. ("Swipe Savvy," "we," "us," or "our"), you consent to receive recurring automated SMS and MMS messages from Swipe Savvy and its service providers (including via Amazon Web Services Simple Notification Service (AWS SNS) and Twilio) at the mobile number you provide. Consent is not a condition of any purchase.

2. Types of Messages

You may receive the following categories of SMS/MMS messages:

  • Authentication & Security: One-time passcodes (OTP) for two-factor authentication, account verification codes, password reset codes, and security alerts
  • Transactional Notifications: Order confirmations, payment receipts, refund confirmations, transfer confirmations, card activity alerts, delivery status updates, and shift reminders
  • Account Alerts: Account status changes, suspicious activity warnings, card lock/unlock confirmations, and compliance-required disclosures
  • Service Announcements: Scheduled maintenance windows, feature updates, service disruption notices, and platform status updates
  • Promotional Messages: New feature announcements, special offers, merchant deals, loyalty program updates, and partner promotions (only with your express opt-in consent)

3. Message Frequency

Message frequency varies based on your account activity and the types of messages you have opted in to receive. Authentication and transactional messages are sent as needed based on your use of the Services. Promotional messages will not exceed 10 messages per month unless you opt in to additional categories.

4. Message and Data Rates

Message and data rates may apply. You are responsible for any messaging and data charges imposed by your wireless carrier. Please contact your carrier for details about your plan and any applicable fees. Swipe Savvy is not responsible for any charges incurred from receiving SMS/MMS messages.

5. How to Opt Out

You may opt out of receiving SMS messages at any time by using any of the following methods:

  • Reply STOP: Text STOP to any message you receive from us. You will receive a one-time confirmation message that you have been unsubscribed. No further messages will be sent unless you re-subscribe.
  • Account Settings: Log in to your Swipe Savvy account and navigate to your notification preferences to manage SMS opt-in and opt-out settings.
  • Contact Support: Email support@swipesavvy.com or call 1-800-505-8769 to request removal from SMS messaging.

Important: Opting out of promotional messages does not affect your receipt of transactional and security-related messages (such as OTP codes and account alerts) that are essential to your use of the Services. To stop all messages, you must deactivate your Swipe Savvy account.

6. How to Get Help

For help with SMS messaging, you may use any of the following methods:

7. SMS Service Providers

Swipe Savvy uses the following third-party service providers to deliver SMS messages:

  • Amazon Web Services Simple Notification Service (AWS SNS): Used for delivering transactional SMS messages, authentication codes, and account alerts via short code and long code messaging
  • Twilio: Used for two-factor authentication (2FA) codes, transaction alerts, verification codes, and programmatic SMS messaging

Messages may be sent from short codes, long codes, or toll-free numbers depending on the message type and your geographic location. Our service providers are bound by their own privacy policies and data-handling obligations.

8. Short Code Messaging

Certain messages (including OTP codes, account alerts, and promotional messages) may be delivered via short code. Short code messaging is subject to the following:

  • Short code messages are supported by major U.S. carriers including AT&T, T-Mobile, Verizon, Sprint, and their MVNOs
  • Short code messaging may not be available in all regions or on all carrier networks
  • Delivery of messages is subject to carrier network availability and is not guaranteed
  • Carriers are not liable for delayed or undelivered messages

9. Supported Carriers

Our SMS services are compatible with most major U.S. wireless carriers, including but not limited to:

AT&T, Verizon Wireless, T-Mobile, Sprint, U.S. Cellular, Boost Mobile, Cricket Wireless, Metro by T-Mobile, Google Fi, Mint Mobile, Visible, Xfinity Mobile, Spectrum Mobile, Consumer Cellular, TracFone, and other participating carriers.

T-Mobile is not liable for delayed or undelivered messages. Carrier support is subject to change without notice.

10. Privacy and Data Use

Your mobile phone number and SMS opt-in data will be used solely for the purposes described in these SMS Terms & Conditions. We will not sell, rent, or share your mobile phone number or opt-in status with third parties for their marketing purposes.

Information collected in connection with our SMS program includes your mobile phone number, carrier name, opt-in/opt-out status, and message delivery data. This information is handled in accordance with our Privacy Policy.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other use of the information we collect is described in our Privacy Policy.

11. Consent and Opt-In Methods

You may opt in to our SMS messaging program through the following methods:

  • Entering your phone number during account registration on any Swipe Savvy application
  • Enabling SMS notifications in your account settings
  • Checking the SMS opt-in checkbox on any of our web forms
  • Texting a keyword to our designated short code or long code number
  • Providing verbal consent during a sales or support interaction

By opting in, you confirm that you are the account holder for the mobile number provided or that the account holder has authorized you to opt in on their behalf. You must be 18 years of age or older (or the age of majority in your jurisdiction) to opt in to our SMS program.

12. Carrier Liability Disclaimer

Wireless carriers, including but not limited to AT&T, T-Mobile, Verizon, and Sprint, are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission by your wireless carrier and network availability. Swipe Savvy does not guarantee delivery of any particular message.

13. Changes to SMS Terms

We reserve the right to modify these SMS Terms & Conditions at any time. Changes will be effective immediately upon posting to this page. We will update the "Last updated" date at the top of this page. Your continued participation in our SMS program after any changes constitutes your acceptance of the updated terms. For material changes, we will make reasonable efforts to notify you via SMS or other communication channels.

14. Contact Information

If you have questions about these SMS Terms & Conditions, please contact us:

15. Related Policies