SMS Terms

Flokapital SMS Program
Operated by Flokapital, a company organized under the laws of [State of formation]
Effective Date: [Effective Date]

These SMS Terms govern text messages sent by or on behalf of Flokapital ("Flokapital," "we," "us," or "our") in the Flokapital Alerts program (the "Program"). They supplement our Terms of Use, Privacy Policy, and Disclosures. If you opt in to SMS, you also agree to these SMS Terms.

1. Program name and administrator

• Program name: Flokapital Alerts (or a similar name we clearly identify in the opt-in language or message footer).
• Administrator: Flokapital.
• Contact: [Contact Email] | [Phone] | [Business Address].

We may use service providers, including third-party application and technology platforms, CRM or communications providers, and telecommunications or 10DLC vendors, to send messages on our behalf. Those vendors send messages for our Program; they are not permitted to use your mobile opt-in for their own unaffiliated marketing.

2. Opt-in and consent

You will not be enrolled in the Program unless you provide prior express written consent, for example by checking an unchecked box on our application or another form that clearly describes the Program, or by otherwise clearly requesting SMS in a manner that meets applicable law.

By opting in, you consent to receive recurring SMS and/or MMS text messages from Flokapital and its service providers at the mobile number you provide, using an automatic telephone dialing system, a prerecorded or automated system, or manual sending, as described in our Terms of Use (TCPA consent).

Consent is not a condition of purchasing any good or service, of submitting a funding profile, or of obtaining funding.

You represent that you are the account holder or customary user of the mobile number, or that you have authority to enroll it, and that you are at least 18 years old.

3. Message types

Depending on the consent you provide and on the stage of your inquiry, messages may include:

• application, document, or appointment reminders and status updates;
• requests for information needed to complete a funding profile;
• customer-care responses (including replies to HELP);
• educational or operational notices; and
• marketing or promotional messages about Flokapital, funding options, or related commercial-funding information, if your consent covers marketing.

If we offer more than one program (for example, transactional versus marketing), we will describe that in the opt-in language. Until then, treat the Program as potentially including both service and marketing messages, as disclosed at opt-in.

4. Frequency

Message frequency varies. You may receive multiple messages in a short period when an application is active, and fewer at other times. We do not guarantee a fixed number of messages per month.

5. Message and data rates

Message and data rates may apply. Your carrier’s rates for texts and data are your responsibility. Check your plan with your wireless provider.

6. How to opt out (STOP) and get help (HELP)

• STOP: Reply STOP to any Program message to cancel. You may also use STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT, or contact us as described below. After you opt out, we will send a confirmation and will stop marketing and recurring Program texts to that number, except as allowed by law (for example, a single confirmation, or texts that are not marketing if a separate legal basis applies and we have disclosed it).
• HELP: Reply HELP for help, or email [Contact Email] or call [Phone].

You may also request opt-out by emailing [Contact Email] from the address we have on file and identifying your mobile number. Allow a reasonable time for opt-out to be processed; it should occur promptly and in any event as required by law and carrier rules.

Opting out of SMS does not automatically opt you out of email or voice calls, or withdraw other authorizations (for example, credit-report authorization), unless you also request those separately.

7. Supported carriers

The Program is intended to be available on major U.S. carriers, including AT&T, Verizon Wireless, T-Mobile, and other carriers that participate in typical 10DLC or short-code programs. Carriers may change. The Program may not be available on all carriers or on all plans (including some prepaid plans).

Carriers are not liable for delayed or undelivered messages. Delivery is subject to effective transmission by your carrier and to factors outside our control.

8. Privacy; no sharing of mobile opt-in for third-party marketing

Our Privacy Policy describes how we collect, use, and share information, including phone numbers and consent records.

We do not share or sell your mobile opt-in data or consent to unaffiliated third parties so that they can market their own products or services to you, consistent with CTIA Messaging Principles and 10DLC / campaign-registry expectations. We may share your number and consent records with our service providers who send or administer messages for our Program, with vendors who help us maintain consent records, and with parties as required by law. Funding Providers may contact you about an application you requested by phone, email, or, if separately authorized, text; that is not a sale of your SMS opt-in for their unrelated marketing.

9. Eligibility and prohibited use

The Program is for individuals 18 or older in the United States who have consented. You may not enroll a number you do not control, or use the Program for unlawful or harassing purposes.

If you change or relinquish your number, you must notify us and opt out of the old number so that messages are not sent to a subsequent subscriber.

10. Changes to the Program or these SMS Terms

We may modify the Program or these SMS Terms. We will update the Effective Date and, where required, provide additional notice. If you continue to participate after a change, you accept the revised terms, subject to mandatory law. You may opt out at any time as described above.

11. Warranty disclaimer and limitation of liability

The Program is provided on an "as is" basis. To the maximum extent permitted by law, we disclaim unavailability, delay, or carrier errors, and the limitation of liability and dispute-resolution terms in our Terms of Use apply to the Program, except where prohibited.

12. Contact

Flokapital
[Business Address]
Email: [Contact Email]
Phone: [Phone]

For help with texts, reply HELP or use the contacts above. For privacy requests, see our Privacy Policy.