PRIVACY POLICY, TERMS OF USE & SMS MESSAGING TERMS

Effective Date: October 6, 2026
Last Updated: October 6, 2026

This Privacy Policy, Terms of Use & SMS Messaging Terms (“Policy”) governs your use of the websites, online services, communication platforms, and services provided by Factzz Group of Companies, including Factzz Financial Services Limited, LLC and its applicable affiliates, subsidiaries, brands, contractors, and service providers (collectively, “Factzz,” “Company,” “we,” “us,” or “our”).

By accessing our website, submitting information to us, communicating with us, or using our services, you acknowledge that you have read and understood this Policy.

Certain services may be subject to additional agreements, disclosures, authorizations, or consents.

PART I — SMS/MMS MESSAGING TERMS & CONDITIONS

1. SMS PROGRAM DESCRIPTION

When you voluntarily opt in to receive text messages from Factzz, you may receive SMS and/or MMS messages at the mobile telephone number you provided.

Depending upon the messaging program and the services you request, messages may include:

  • Responses to inquiries;

  • Customer-service communications;

  • Real-time communications with a Factzz representative;

  • Questions and answers concerning our services;

  • Appointment confirmations and reminders;

  • Scheduling information;

  • Tax-service or account-related notifications;

  • Document or service-status notifications;

  • Transactional or administrative communications;

  • Important customer notices; and

  • Promotional or marketing communications, only where you have provided the applicable consent.

The content and type of messages you receive will depend upon the program or service for which you have opted in.

2. EXPRESS CONSENT TO RECEIVE TEXT MESSAGES

By affirmatively providing your mobile telephone number and opting in to an applicable Factzz SMS program, you authorize Factzz to send text messages to that number in accordance with the disclosure presented at the time of enrollment.

Your consent to receive marketing or promotional text messages is not a condition of purchasing any goods or services from Factzz.

Where applicable, SMS consent will be obtained through a clear and conspicuous disclosure identifying Factzz as the sender and describing the type of messages you should expect.

Providing a telephone number by itself does not necessarily constitute consent to receive marketing text messages where applicable law requires an affirmative opt-in.

3. MESSAGE FREQUENCY

Message frequency varies.

The number of messages you receive will depend upon the services you use, your interactions with Factzz, the messaging program to which you subscribed, and the communications you have requested or authorized.

4. MESSAGE AND DATA RATES

Message and data rates may apply.

Your wireless carrier may charge you for text messages or data according to the terms of your wireless plan.

Factzz does not control carrier charges. If you have questions concerning your wireless plan, contact your mobile service provider.

5. HOW TO OPT OUT

You may opt out of receiving SMS messages at any time.

To stop receiving messages from the applicable Factzz messaging program, reply:

STOP

After receiving a valid opt-out request, Factzz will process the request and, where applicable, send a confirmation message indicating that you have been unsubscribed.

After the confirmation message, no further messages will be sent through the applicable messaging program except where permitted or required by law or where reasonably necessary to process your request.

You may also request removal by contacting Factzz directly through the contact information provided on our website.

Factzz will honor applicable opt-out requests and maintain appropriate records of those requests. Clear opt-out mechanisms and prompt honoring of consumer opt-outs are consistent with current wireless messaging best practices.

6. REJOINING THE SMS PROGRAM

If you previously opted out and later wish to receive messages again, you may re-enroll through an available Factzz enrollment method.

Where supported by the applicable messaging program, you may also reply:

START

to rejoin.

Rejoining an SMS program constitutes a new affirmative request to receive messages and does not automatically restore consent to unrelated messaging programs.

7. HELP

For assistance, reply:

HELP