Communication Policy
By electronically signing below you authorize Reliable Personal Loans and its successors, assigns, and servicing agents (collectively “[Brand acronym (RPL)]” and also “we,” “us,” and “our”) may communicate with the consumer who signs this Communication Policy (“you” or “your”).
1. Communications Generally. You give us permission to contact you – at any telephone number or mobile device you have indicated at any point in your application or your relationship with us – using any means of communication, including SMS, telephone calls (whether manually dialed or using an automatic telephone dialing system), email, and prerecorded messages (collectively, “communications”).
You agree that we may send you these communications regarding your account or the loan, including (but not limited to) payment reminders, missed payment notices, default notices, and notices for purposes of collections, as well as to inform you about promotional offers and tell you about other offers for products and services (including those of our affiliates or marketing partners) that we think may interest you
By signing, you acknowledge that you are not required to agree to receive any such communications to your mobile or residential number as a condition of requesting a loan through us.
2. SMS Communications. You specifically acknowledge that we may send communications to your mobile device, at the telephone number or numbers you have indicated to us in your loan request, or which you may indicate at any time in the future, via SMS. These communications may be regarding your account or your loan, including the reasons listed above, as well as for purposes of account verification. You acknowledge that you have provided us with a working mobile phone number and have an SMS-capable mobile device and active account with a communications service provider. All SMS communications sent to you by us will be considered “in writing.” We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user or third party.
3. Charges/Fees. We do not assess from you any charge or service fee for the communications described, but you acknowledge that message, data, and other rates and charges may apply as per your agreement with your communications service provider.
4. Stopping Communications. You may stop receiving marketing communications by asking to be added to our “do not market” list, and you may stop receiving telephone calls of any kind by asking us to stop calling you; you may make these requests via email. You may stop receiving text messages by replying “STOP” to any text you receive, or by contacting us by the above methods and informing us that you no longer wish to receive text messages. You may stop receiving marketing emails by clicking the “unsubscribe” link that is provided at the bottom of all marketing email communications, or by contacting us by the above methods and informing us that you no longer wish to receive marketing emails.
5. You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys fees) arising from your provision of a mobile phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. This indemnification obligation will survive conclusion of your relationship with us for a period of three years. Receipt of a communication may be delayed or impacted by factor(s) pertaining to your communications service provider(s). We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in, the communications sent by us.