SMS Terms & Conditions

Last updated: July 11, 2026

1. The Swipe Savvy Alerts Program

Swipe Savvy Alerts is the SMS messaging program operated by Swipe Savvy, Inc. ("Swipe Savvy," "we," "us," or "our"), delivered from short code [SHORT CODE] and our other registered numbers. The program sends two separately consented categories of messages: (a) informational messages — one-time verification codes (2FA), security alerts, order and payment confirmations, and account notifications; and (b) marketing messages — special offers, loyalty program updates, and promotions, sent only to users who separately opt in to marketing.

Enrollment in Swipe Savvy Alerts is optional and requires a separate, affirmative opt-in action — such as turning on a messaging category in one of our apps, checking an unchecked consent box on one of our web forms, or texting a keyword to short code [SHORT CODE]. Providing your mobile phone number by itself does not enroll you in the program. If you choose to opt in, you will receive recurring automated SMS and MMS messages from Swipe Savvy and its service providers (including via Twilio and Amazon Web Services Simple Notification Service (AWS SNS)) at the mobile number you provided. Consent is not a condition of any purchase, and you may withdraw it at any time by texting STOP to [SHORT CODE].

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 (for example, one message per login attempt for two-factor authentication).

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:

  • Text STOP: Text STOP to [SHORT CODE] (or reply STOP to any message you receive from us) to cancel. 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 1-888-505-8769 to request removal from SMS messaging.

Important: Texting STOP to [SHORT CODE] stops all SMS messages from that short code, including informational messages. You can also opt out of individual categories (for example, marketing only) in your account settings. If you opt out of informational texts, we may still send essential account communications by email or in-app notification.

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:

  • Turning on a messaging category (Order & Account Texts, or Marketing Texts) in a Swipe Savvy application — these options are always presented off by default
  • Enabling SMS notifications in your account settings
  • Checking the SMS opt-in checkbox on any of our web forms — never pre-checked
  • Texting a keyword to our designated short code or long code number
  • Providing consent during a recorded sales or support interaction (informational messages only)

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:

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