Last Updated January 2017

These Creditanatomy.com Text Message Terms and Conditions (“Text Message Terms”) are between you and Creditanatomy.com, Inc., 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) (“Creditanatomy.com,” “we” or “us”). The Text Message Terms have the same effect as an agreement in writing and govern your participation in Creditanatomy.com’s Text Message Program. Creditanatomy.com’s “Text Message Program” includes sending text message(s) to Creditanatomy.com and/or receiving text message(s) from Creditanatomy.com.

By participating in creditanatomy.com’s text message program, you signify your agreement to the text message terms.

Creditanatomy.com’s Privacy Policy and Terms of Use apply to your participation in Creditanatomy.com’s Text Message Program, and their terms are made a part of the Text Message Terms. To view Creditanatomy.com’s Privacy Policy, click here. To view Creditanatomy.com’s Terms of Use, click here. By participating in Creditanatomy.com’s Text Message Program you acknowledge you have reviewed Creditanatomy.com’s Privacy Policy and Terms of Use and agree to their terms.

By participating in creditanatomy.com’s text message program, you agree to arbitrate all claims between you and creditanatomy.com 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 creditanatomy.com, including but not limited to any alleged state of 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 creditanatomy.com. 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 creditanatomy.com in a court of law. you may individually arbitrate any claim against creditanatomy.com in any jurisdiction in the United States. creditanatomy.com 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 involves 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 Califronia as they apply to agreements made solely therein. This Arbitration Clause shall survive 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 Creditanatomy.com’s Text Message Program. Creditanatomy.com may modify the Text Message Terms at any time. If you do not agree to the changes, you must discontinue your participation in Creditanatomy.com’s Text Message Program before the changes take effect. Your continued participation in Creditanatomy.com’s Text Message Program after any such changes take effect constitutes your acceptance to such changes. Each time you participate in Creditanatomy.com’s Text Message Program you reaffirm your acceptance of the Text Message Terms. You are responsible for regularly reviewing the Text Message Terms.The Text Message Terms may be supplemented by additional terms and conditions and, together with these Text Message Terms and the Creditanatomy.com Privacy Policy and Terms of Use, govern your participation in Creditanatomy.com’s Text Message Program.

  1. About Creditanatomy.com text messages

Creditanatomy.com’s Text Message Program assists users in communicating with Creditanatomy.com. Creditanatomy.com text messages are SMS messages sent to individuals who have provided Creditanatomy.com with written consent to send the messages. Such written consent may be obtained using electronic signatures, as broadly defined under the E-SIGN Act. Creditanatomy.com text messages are not mobile spam. The service is a recurring message program.

  1. Consent for Creditanatomy.com text messages

When you signed up for Creditanatomy.com’s Text Message Program, you provided express written consent to receive automated texts about credit repair or credit repair marketing from Creditanatomy.com. By continuing to participate in Creditanatomy.com’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 Creditanatomy.com in accordance with your previously provided consent and these Text Message Terms.

  1. Cost of Creditanatomy.com text messages

Although all Creditanatomy.com text messages are complimentary, Message & Data Rates May Apply. Depending on your text plan, you may be charged by your carrier.

  1. Discontinuing text messages

To stop receiving Creditanatomy.com text messages, simply text STOP (and no other words or characters) to the short code from which you received the Creditanatomy.com text message(s). After doing so, you will receive a text message confirming your opt-out and will no longer receive Creditanatomy.com 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 Creditanatomy.com’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 Creditanatomy.com that are not text messages, simply text CALLSTOP (and no other words or characters) to the short code from which you received the Creditanatomy.com text message(s). After doing so, you will no longer receive marketing phone calls from Creditanatomy.com 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 Creditanatomy.com’s internal do-not-call list. To stop receiving marketing phone calls from Creditanatomy.com (that are not text messages) to any phone number, you may call +1 (888) 608-1247 and add your telephone number to Creditanatomy.com’s internal do-not-call list.

  1. Opting back in

If you send Creditanatomy.com a STOP text in response to a Creditanatomy.com text message, you can start receiving Creditanatomy.com text messages again by providing consent to Creditanatomy.com to send the messages.

  1. Receiving more info

To request more info, simply text HELP to the short code from which you received the Creditanatomy.com text message(s).

  1. Commands

Stop: At any time, you can text STOP to the short code from which you received the Creditanatomy.com text message(s). This will prevent you from receiving future Creditanatomy.com 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 Creditanatomy.com’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 Creditanatomy.com that are not text messages, you can text CALLSTOP to the short code from which you received the Creditanatomy.com text message(s). This will prevent you from receiving Creditanatomy.com 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 Creditanatomy.com’s internal do-not-call list.
Help: At any time, you can text HELP to the short code from which you received the Creditanatomy.com text message(s). Texting HELP will return the following message:

Creditanatomy.com: Msg&Data Rates May Apply. Txt STOP to end texts. Email to support@creditanatomy.com or call +1 (888) 608-1247 for more info.

  1. 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.