SMS Terms of Service

Opt-In and Message Types

When you opt-in to the service, we may send you SMS messages to notify you of any updates to your application status and to engage in discussion throughout your application process.

A user might opt-in by:

• Entering a phone number online
• Sending a text message containing an advertising keyword
• Filling out a form that includes their phone number

Opting Out

You can cancel the SMS service at any time. Just text "STOP" to unsubscribe. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us.

If you want to opt-in again, just reply "START" to the phone number you unsubscribed from and we will start sending SMS messages to you again.

Help and Support

If you are experiencing issues with the messaging program you can reply with the keyword "HELP" for more assistance, or you can get help directly at info@xlbenefits.com or call (916) 512-8340.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

Message and Data Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Age and Location Requirements

The SMS service is intended for users 18 years of age or older. Users between 13-17 years old may use the service with parental permission. The service is limited to US residents only.

Privacy

If you have any questions regarding privacy, please read our Privacy Policy, which includes our full SMS Privacy Policy.

Contact Information

For questions about these SMS Terms, please contact us at:

• Email: info@xlbenefits.com
• Phone: (916) 512-8340