Private Policy

Effective Date: January 2024

These Text Message Terms and Conditions ("Text Message Terms") are between you and Elite Credit Group, Inc., including 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) ("Elite Credit Group," "we," or "us"), with a principal place of business at [Your Business Address]. The Text Message Terms have the same effect as an agreement in writing and govern your participation in Elite Credit Group's Text Message Program. Elite Credit Group's "Text Message Program" includes sending text message(s) to Elite Credit Group and/or receiving text message(s) from Elite Credit Group.

BY PARTICIPATING IN ELITE CREDIT GROUP'S TEXT MESSAGE PROGRAM, YOU SIGNIFY YOUR AGREEMENT TO THE TEXT MESSAGE TERMS.

Elite Credit Group's Privacy Policy and Terms of Use apply to your participation in Elite Credit Group's Text Message Program, and their terms are made a part of these Text Message Terms. To view Elite Credit Group's Privacy Policy, click [here]. To view Elite Credit Group's Terms of Use, click [here]. By participating in Elite Credit Group's Text Message Program, you acknowledge that you have reviewed Elite Credit Group's Privacy Policy and Terms of Use and agree to their terms.

BY PARTICIPATING IN ELITE CREDIT GROUP'S TEXT MESSAGE PROGRAM, YOU AGREE TO ARBITRATE ALL CLAIMS BETWEEN YOU AND ELITE CREDIT GROUP 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 ELITE CREDIT GROUP, INCLUDING BUT NOT LIMITED TO ANY ALLEGED STATE OR 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 ELITE CREDIT GROUP. 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 ELITE CREDIT GROUP IN A COURT OF LAW. YOU MAY INDIVIDUALLY ARBITRATE ANY CLAIM AGAINST ELITE CREDIT GROUP IN ANY JURISDICTION IN THE UNITED STATES. ELITE CREDIT GROUP 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 involve 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 [Your State] as they apply to agreements made solely therein. This Arbitration Clause shall survive the 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 Elite Credit Group's Text Message Program. Elite Credit Group may modify the Text Message Terms at any time. If you do not agree to the changes, you must discontinue your participation in Elite Credit Group's Text Message Program before the changes take effect. Your continued participation in Elite Credit Group's Text Message Program after any such changes take effect constitutes your acceptance of such changes. Each time you participate in Elite Credit Group's Text Message Program you reaffirm your acceptance of the Text Message Terms. You are responsible for regularly reviewing the Text Message Terms by visiting [insert link]. The Text Message Terms may be supplemented by additional terms and conditions and, together with these Text Message Terms and the Elite Credit Group Privacy Policy and Terms of Use, govern your participation in Elite Credit Group's Text Message Program.

2. About Elite Credit Group text messages
Elite Credit Group's Text Message Program assists users in communicating with Elite Credit Group. Elite Credit Group text messages are SMS messages sent to individuals who have provided Elite Credit Group 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. Elite Credit Group text messages are not mobile spam. The service is a recurring message program.

3. Consent for Elite Credit Group text messages
When you signed up for Elite Credit Group's Text Message Program, you provided express written consent to receive automated texts about credit repair or credit repair marketing from Elite Credit Group. By continuing to participate in Elite Credit Group'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 Elite Credit Group in accordance with your previously provided consent and these Text Message Terms.

4. Cost of Elite Credit Group text messages
Although all Elite Credit Group 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 Elite Credit Group text messages, simply text STOP (and no other words or characters) to the short code from which you received the Elite Credit Group text message(s). After doing so, you will receive a text message confirming your opt-out and will no longer receive Elite Credit Group 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 3 business days from the date you text STOP to be removed from Elite Credit Group'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 Elite Credit Group that are not text messages, simply text CALLSTOP (and no other words or characters) to the short code from which you received the Elite Credit Group text message(s). After doing so, you will no longer receive marketing phone calls from Elite Credit Group to the phone number used to text CALLSTOP. Almost all CALLSTOP requests are taken care of immediately, but it may take up to 3 business days from the date you text CALLSTOP to be added to Elite Credit Group's internal do-not-call list. To stop receiving marketing phone calls from Elite Credit Group (that are not text messages) to any phone number, you may call [Your Phone Number] and add your telephone number to Elite Credit Group's internal do-not-call list.

6. Opting back in
If you send Elite Credit Group a STOP text in response to an Elite Credit Group text message, you can start receiving Elite Credit Group text messages again by providing consent to Elite Credit Group to send the messages.

7. Receiving more info
To request more info, simply text HELP to the short code from which you received the Elite Credit Group text message(s).

8. Commands
**Stop:** At any time, you can text STOP to the short code from which you received the Elite Credit Group text message(s). This will prevent you from receiving future Elite Credit Group 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 3 business days from the date you text STOP to be removed from Elite Credit Group'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 Elite Credit Group that are not text messages, you can text CALLSTOP to the short code from which you received the Elite Credit Group text message(s). This will prevent you from receiving Elite Credit Group marketing phone calls (that are not text messages) to the phone number used to text CALLSTOP. Almost all CALLSTOP requests are taken care of immediately, but it may take up to 3 business days from the date you text CALLSTOP to be added to Elite Credit Group's internal do-not-call list.
**Help:** At any time, you can text HELP to the short code from which you received the Elite Credit Group text message(s). Texting HELP will return the following message:

Elite Credit Group: Msg&Data Rates May Apply. Txt STOP to end texts. Call 657.276.0136 for more info.

9. Participating Carriers
AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, Alltel [Verizon Wireless], U.S. Cellular, Cellular One, MetroPCS, InterOp, Cellular Com, C Spire Wireless, Cricket, Virgin Mobile, and Cincinnati Bell.

10. No Information Shared To 3rd Parties

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties