Text Message Terms | PHASCINATING

Phascinating Financial Service Text Message Terms and Conditions

Last updated October 2023

Phascinating Financial Service

These Phascinating Financial Service Text Message Terms and Conditions ("Text Message Terms") are between you and Phascinating Financial Service, its past, present, or future parents, subsidiaries, affiliates, predecessors, assignees, successors, and their respective agents, employees, directors, officers, partners, and members (whether acting in their corporate or individual capacity) ("Phascinating Financial Service," "we" or "us"). The Text Message Terms have the same effect as an agreement in writing and govern your participation in Phascinating Financial Service’s Text Message Program. Phascinating Financial Service’s "Text Message Program" includes sending text message(s) to Phascinating Financial Service and/or receiving text message(s) from Phascinating Financial Service.

BY PARTICIPATING IN Phascinating Financial Service’S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE TEXT MESSAGE TERMS.

Phascinating Financial Service’s Privacy Policy and Terms of Use apply to your participation in Phascinating Financial Service’s Text Message Program, and their terms are made a part of the Text Message Terms. To view Phascinating Financial Service’s Privacy Policy, click here. To view Phascinating Financial Service Terms of Use, click here. By participating in Phascinating Financial Service Text Message Program you acknowledge you have reviewed Phascinating Financial Service Privacy Policy and Terms of Use and agree to their terms.

BY PARTICIPATING IN Phascinating Financial Service’S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND Phascinating Financial Service ON AN INDIVIDUAL BASIS ONLY AND NOT AS A PART OF ANY CLASS. A "CLAIM" IS ANY CASE, CONTROVERSY, DISPUTE, TORT, DISAGREEMENT, LAWSUIT, LEGAL ACTION, OR CLAIM NOW OR HEREAFTER PENDING BETWEEN YOU AND Phascinating Financial Service

, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OF FEDERAL STATUTORY VIOLATION, OR ANY DISPUTE OVER THE INTERPRETATION OF THE TEXT MESSAGE TERMS OR THE ARBITRABILITY OF ANY CLAIM PURSUANT TO THE TEXT MESSAGE TERMS. THIS AGREEMENT TO ARBITRATE GOVERNS ALL PAST, CURRENT AND PROSPECTIVE INTERACTIONS WITH Phascinating Financial Service. YOU AGREE THAT YOU ARE WAIVING ALL RIGHTS TO: (A) A TRIAL BY JURY; (B) PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS ACTION ARBITRATION; AND (C) BRING AN ACTION AGAINST Phascinating Financial Service IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST Phascinating Financial Service IN ANY JURISDICTION IN THE UNITED STATES. Phascinating Financial Service WILL REIMBURSE YOU UP TO $300 OF YOUR ARBITRATION FILING FEE. THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION THEN IN FORCE SHALL GOVERN THE ARBITRATION (provided, however, that the terms of the Text Message Terms shall control over any inconsistency between the Rules of the American Arbitration Association and the Text Message Terms). The arbitrator shall have authority to interpret the Text Message Terms, including but not limited to the authority to decide whether any claim is arbitrable under the Text Message Terms and to decide issues related to the scope of arbitration, the rules of arbitration, the arbitrator’s jurisdiction, and the enforceability of the Text Message Terms. You agree that the Text Message Terms involves commerce under 9 U.S.C. §§ 1 et seq. and that this Arbitration Clause is governed by federal law, including the Federal Arbitration Act. The remainder of the Text Message Terms is governed by the laws of the state of Utah as they apply to agreements made solely therein. This Arbitration Clause shall survive termination of the Text Message Terms.

1. About the Text Message Terms

If you do not agree to the Text Message Terms, you may not participate in Phascinating Financial Service Text Message Program. Phascinating Financial Service may modify the Text Message Terms at any time. If you do not agree to the changes, you must discontinue your participation in Phascinating Financial Service’s Text Message Program before the changes take effect. Your continued participation in Phascinating Financial Service’s Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you participate in Phascinating Financial Service’s Text Message Program you reaffirm your acceptance of the Text Message Terms. The Text Message Terms may be supplemented by additional terms and conditions and, together with these Text Message Terms and Phascinating Financial Service Privacy Policy and Terms of Use, govern your participation in Phascinating Financial Service’s Text Message Program.

2. About Phascinating Financial Service text messages

Phascinating Financial Service’s Text Message Program assists users in communicating with Phascinating Financial Service. Phascinating Financial Service text messages are marketing SMS messages sent to individuals who have provided Phascinating Financial Service with written consent to send the messages. Such written consent may be obtained through the use of electronic signatures, as broadly defined under the E-SIGN Act. Phascinating Financial Service text messages are not mobile spam. The service is a recurring message program.

3. Consent for Phascinating Financial Service text messages

When you signed up for Phascinating Financial Service’s Text Message Program, you provided express written consent to receive automated texts about credit repair or credit repair marketing from Phascinating Financial Service. By continuing to participate in Phascinating Financial Service’s Text Message Program (e.g. by not texting STOP in response to any program text), you agree to continue to receive automated texts from Phascinating Financial Service in accordance with your previously provided consent and these Text Message Terms.

4. Cost of Phascinating Financial Service text messages

Although all Phascinating Financial Service text messages are complimentary, Message & Data Rates May Apply. Depending on your text plan, you may be charged by your carrier.

5. Discontinuing text messages

To stop receiving Phascinating Financial Service text messages, simply text STOP (and no other words or characters) to the short code from which you received Phascinating Financial Service text message(s). After doing so, you will receive a text message confirming your opt-out and will no longer receive Phascinating Financial Service text messages to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be removed from Phascinating Financial Service’s texting list(s). NOTE: texting STOP will only stop text messages, and will only stop text messages to the phone number you used to text STOP. To stop receiving marketing phone calls from Phascinating Financial Service that are not text messages, simply text CALLSTOP (and no other words or characters) to the short code from which you received Phascinating Financial Service text message(s). After doing so, you will no longer receive marketing phone calls from Phascinating Financial Service to the phone number used to text CALLSTOP. Almost all CALLSTOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text CALLSTOP to be added to Phascinating Financial Service’s internal do-not-call list. To stop receiving marketing phone calls from Phascinating Financial Service (that are not text messages) to any phone number, you may call Get Started and add your telephone number to Phascinating Financial Service’s internal do-not-call list.

6. Opting back in

If you send Phascinating Financial Service a STOP text in response to a Phascinating Financial Service text message, you can start receiving Phascinating Financial Service text messages again by providing consent to Phascinating Financial Service to send the messages.

7. Receiving more info

To request more info, simply text HELP to the short code from which you received Phascinating Financial Service text message(s).

8. Commands

Stop: At any time, you can text STOP to the short code from which you received Phascinating Financial Service text message(s). This will prevent you from receiving future Phascinating Financial Service text messages to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be removed from Phascinating Financial Service’s texting list(s). Note that texting STOP will only stop text messages, and will only stop text messages to the phone number you used to text STOP. To stop receiving marketing phone calls from Phascinating Financial Service that are not text messages, you can text STOP to the short code from which you received Phascinating Financial Service text message(s). This will prevent you from receiving Phascinating Financial Service marketing phone calls (that are not text messages) to the phone number used to text STOP. Almost all STOP requests are taken care of immediately, but it may take up to three (3) business days from the date you text STOP to be added to Phascinating Financial Service’s internal do-not-call list.

 Help: At any time, you can text HELP to the short code from which you received Phascinating Financial Service text message(s). Texting HELP will return the following message:

Phascinating Financial Service: Msg&Data Rates May Apply—Txt STOP to end texts. Visit https://www.thecreditlaboratory/textmessageterms or call Get Started for more info.

9. Participating Carriers

ACS Wireless, All West, Alltel, Appalachian Wireless, AT&T, Bluegrass Cellular, Boost, C Spire Wireless, Cambridge Telecom Coop, Carolina West Wireless, Cellcom, Cellular One, Cellular One of East Central Illinois, Cellular One of NEPA, Chat Mobility, Cincinnati Bell, Cricket, Custer, Duet IP, Eagle Valley Comm, Element Mobile, EpicTouch, Farmers Mutual, GCI Communications, Golden State, Illinois Valley Cellular, Immix, Inland Cellular, iWireless, Leaco, Manti, MetroPCS, Mobi PCS, Mosaic, Nemont, Nex-Tech Wireless, Nextel, nTelos, Nucla Nutria, NW Missouri Cellular, Panhandle Telecommunications, Peoples Wireless, Pioneer, Plateau, Revol Wireless, Silver Star, South Central Comm, Sprint, Sprocket, Syringa, Thumb Cellular, T-Mobile®, U.S. Cellular, UBET, Union Wireless, United, Verizon Wireless, Viaero Wireless, Virgin Mobile and West Central Wireless.