SMS Marketing & Opt‑In Consent Notice

Effective Date: 11-01-2025

This SMS Marketing & Opt‑In Consent Notice (“Notice”) explains how Credit Enforcer (“Credit Enforcer,” “we,” “us,” or “our”) obtains and uses your consent to send text messages related to our services at https://creditenforcer.com/. By opting in, you agree to the terms below.

Clear Authorization to Receive Text Messages

• Opt‑in methods:
  • Keyword: Text the keyword(s) listed on our site or campaign materials (e.g., JOIN, START, ENROLL) to the designated short code or long code we provide.
  • Web form: Submit your mobile number via a consent checkbox and form on creditenforcer.com that clearly states you agree to receive SMS messages from Credit Enforcer.
  • Other documented methods: QR code scans or written consent forms that include the disclosures in this Notice.
• By opting in, you authorize Credit Enforcer to send you text messages using an automated system, autodialer, or non‑automated means, to the mobile number you provide. Consent is not a condition of purchase.

Message Purpose and Types

We may send:

• Account and service alerts: sign‑in assistance, password reset links, appointment confirmations, session reminders, service notifications.
• Educational updates: course enrollment confirmations, course reminders, resource links, blog highlights.
• Promotional messages: offers, discounts, webinars, events, new services or courses.
• Support communications: responses to your inquiries initiated by you via SMS.

Exact message content will vary based on your selections and interactions.

Estimated Message Frequency

• Recurring programs: Up to 4 messages per month for general updates and promotions, plus additional messages for time‑sensitive transactional alerts (e.g., appointment reminders you schedule).
• One‑time programs: Frequency depends on your specific request (e.g., a single verification or download link).
• Message frequency may vary based on activity, preferences, and engagement.

Mobile Carrier and Cost Disclosures

• Message and data rates may apply.
• Supported carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier and device.

Opt‑Out and Help Instructions

• Opt‑out at any time by replying:
  • STOP, END, CANCEL, UNSUBSCRIBE, or QUIT to stop all marketing messages from that program.
• For help, reply:
  • HELP for assistance or additional information about the program.
• After you send STOP, you may receive a final confirmation text. You can re‑opt‑in at any time using the methods in Section 1.

Managing Preferences

• You can update your preferences or opt‑out of specific categories (e.g., promotions vs. reminders) where offered in our consent form or by contacting [email protected].

Consent Records and Audit Trail

To comply with applicable laws and industry standards, we maintain records of:

• The mobile number provided;
• Date/time of consent;
• Consent method (keyword, web form, QR, or other documented method);
• The consent language presented at the time of opt‑in;
• Source (URL, campaign, or location);
• Any subsequent changes, withdrawals of consent, or opt‑out requests.
  We retain these records for as long as reasonably necessary to demonstrate compliance.

Eligibility

• You must be the account holder or have the account holder’s permission for the mobile number provided. You represent that you are at least the age of majority in your jurisdiction.

Privacy

• Your mobile number and SMS interaction data are processed in accordance with our Privacy Policy. We do not sell your phone number. See our Privacy Policy for details on collection, use, and retention.

Program Changes and Availability

• We may modify or discontinue SMS programs at any time, with or without notice, consistent with applicable law. Some features may not be available in all countries or with all carriers.

Severability

• If any provision of this Notice is found invalid or unenforceable, the remaining provisions will continue in full force and effect.

Contact

• Email: [email protected]
• Postal: Credit Enforcer c/o PS Boyce Co, 5868 Westheimer RD Ste 353, Houston, TX 77057, United States

By opting in via keyword, form, or other documented method, you confirm you have read and agree to this SMS Marketing & Opt‑In Consent Notice as of the Effective Date above.