SMS Policy

FinClarity LLC (“FinClarity,” “we,” “us”) operates a verification SMS program that sends automated one-time security passcodes and verification status messages to merchants and their representatives (“Merchants”) completing a bank account verification requested by a FinClarity customer (typically a lender). Messages are sent only to a mobile number the recipient provides during the verification flow, after the recipient checks the consent box authorizing these messages.

The program is strictly transactional. We do not send marketing or promotional SMS through this program.

You opt in by entering your mobile number on a FinClarity verification page and checking the “Consent to Receive SMS Security Codes” box before requesting a code. The consent language next to the checkbox authorizes FinClarity to send automated one-time security passcodes and verification status messages to the number provided.

Consent is not a condition of any purchase, loan approval, or verification outcome. A verification can still be completed through non-SMS channels offered on the same page (for example, by contacting the requesting lender) if you prefer not to receive SMS.

Message frequency is 1–2 verification messages per verification session: typically one message containing the one-time passcode, plus an optional confirmation or re-send if requested. If a verification is re-issued or expires, a new session may generate a new passcode message.

Message and data rates may apply according to your mobile plan and carrier. FinClarity does not charge recipients for these messages; any charges are imposed by your carrier.

The program works with major U.S. carriers. Delivery depends on your carrier, device, and coverage, and is not guaranteed in every location.

Reply HELP to any program message for help, or email support@finclarity.io. Reply STOP to cancel. After a STOP request, you will receive one final confirmation message and no further SMS will be sent to that number unless you opt in again. If your verification still needs a passcode after opting out, use a non-SMS channel or contact the requesting lender for a fresh link.

We use your mobile number only to deliver the requested verification messages and to operate, secure, and troubleshoot the verification flow. We do not sell your number or use verification SMS data for marketing. Message delivery is handled by our SMS provider (Twilio), which processes the number and message content solely to transmit the message. See our Privacy Policy for how we collect, use, and share information.

We may update this SMS Policy from time to time; material changes will be posted on this page with a new effective date. Questions about this policy or the SMS program: support@finclarity.io, or FinClarity LLC, Attn: SMS Program.