SMS Terms & Conditions

Last Updated: May 19, 2026

1. Program Description

PowerPay ("we," "us," or "our") operates an SMS notification program to help subscribers avoid credit card interest. By opting in, you will receive text messages including:

• Statement closing alerts — a reminder before each connected credit card's statement closes
• Balance notifications — your current balance on a connected card
• Account security alerts — warnings about unusual activity or login events
• One-time verification codes — for account setup and authentication
• Customer support replies — responses to messages you initiate

2. How to Opt In

You may opt in to SMS notifications by:

• Enabling SMS notifications in the PowerPay app (app.powerpayment.app) and providing your mobile phone number, or
• Completing the SMS opt-in form on our website and checking the consent box

By opting in, you confirm that you are the account holder or have the account holder's permission to opt in the provided phone number, and that the number is a valid U.S. mobile phone number.

3. Message Frequency

Message frequency varies based on the number of credit cards you connect and your account activity. As a general guideline:

• Up to 2 messages per connected credit card per month for statement alerts and balance reminders
• Additional messages may be sent for account security alerts, verification codes, or in response to your own messages

For example, if you have 3 connected cards, you may receive up to 6 statement-related messages per month, plus any security or account messages triggered by your activity.

4. Message and Data Rates

Standard message and data rates may apply depending on your wireless carrier and plan. PowerPay does not charge separately for SMS messages; however, your carrier's standard rates for text messages apply. Please check with your carrier if you are unsure about your plan's messaging terms.

5. How to Opt Out

You may opt out of PowerPay SMS notifications at any time by:

• Replying STOP to any PowerPay text message
• Disabling SMS notifications in the PowerPay app settings
• Emailing support@powerpayment.app with your request

After you reply STOP, you will receive a single confirmation message confirming your opt-out. No further marketing or notification messages will be sent, except that we may send you a one-time message if you re-initiate contact.

If you opt out via the STOP keyword, your phone number will be added to our do-not-contact list within 10 business days.

6. How to Get Help

For assistance with PowerPay SMS notifications:

• Reply HELP to any PowerPay text message
• Email support@powerpayment.app
• Visit powerpayment.app

7. Supported Carriers

PowerPay SMS messages are delivered over major U.S. wireless carriers, including but not limited to AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, US Cellular, and other regional carriers. Coverage and delivery may vary by carrier. Carriers are not liable for delayed or undelivered messages.

8. Privacy

Your mobile phone number and SMS usage data are handled in accordance with our Privacy Policy. We do not sell or share your phone number with third parties for their own marketing purposes. Messages are delivered via Twilio, Inc., our SMS service provider.

9. Changes to This Program

We reserve the right to modify or discontinue the SMS notification program at any time. Material changes will be communicated to you via SMS or email, or by updating these terms at this URL.

10. Contact Us

For questions about these SMS Terms, contact us at:

• Email: support@powerpayment.app
• Website: powerpayment.app
• Owner: Trevor Heaney, PowerPay