SMS Terms & Conditions

1. About This Program and Who We Are

The Program lets you receive text (SMS/MMS) messages from Sunny Financing related to your business-financing inquiry and your relationship with us. Sunny Financing operates a comparison and referral service for business and commercial financing.

We want to be clear about our role. Sunny Financing is not a lender, bank, or broker-of-record and does not provide personalized investment or financial advice. We collect a short business-funding inquiry and, only with your consent, may share it with selected independent third-party financing providers. Those providers are solely responsible for reviewing your information, making any credit decision, and setting any terms. We do not guarantee that you will receive an offer, approval, or any particular rate or amount, and we do not represent the entire financing market.

We may receive compensation from participating providers when an inquiry is shared or results in funding. This does not change the messaging described here, but we disclose it so you understand how our service works.

2. Consent Is Optional and Not a Condition of Service

Enrolling in the Program is entirely voluntary. Your consent to receive text messages is not a condition of submitting an inquiry, being referred to a financing provider, or receiving any product or service from us or from any provider.

You may use our website and submit a business-funding inquiry without opting in to receive text messages. If you choose not to enroll, or if you opt out later, we and participating providers may still contact you through other channels you have provided, consistent with our Privacy Policy and applicable law.

3. How You Opt In

You may enroll in the Program by taking an affirmative action that indicates your consent, such as checking a clearly labeled opt-in box on our inquiry or contact form, texting a designated keyword to our number, or otherwise providing your mobile number together with express agreement to receive text messages.

When you opt in, you confirm that you are the subscriber or customary user of the mobile number provided, that you are authorized to consent to messages on that number, and that the information you provide is accurate. If your mobile number changes or you no longer use it, please notify us so we can update our records.

This Program is intended for business and commercial purposes only and is directed to individuals who are 18 years of age or older acting on behalf of a business.

4. Types of Messages You May Receive

Depending on how you interact with us and the consent you provide, messages in the Program may include:

• Responses to your business-funding inquiry and follow-up about the information you submitted
• Notices related to sharing your inquiry with selected third-party financing providers (where you have consented to such sharing)
• Status updates, requests for additional information, and appointment or callback reminders
• Account, service, or support communications, including verification or confirmation messages
• Where you have separately agreed, promotional or marketing messages about our services

5. Message Frequency

Message frequency varies and depends on your interaction with us and the status of your inquiry. There is no fixed number of messages you will receive.

We do not promise any specific messaging volume, and message frequency is not an indicator of whether you will receive a financing offer or approval, which are decisions made solely by independent third-party providers.

6. Message and Data Rates

Message and data rates may apply. Any charges are billed by and payable to your mobile carrier under your wireless plan. Sunny Financing does not charge a fee for participating in the Program, but standard carrier messaging and data charges from your wireless provider are your responsibility.

If you have questions about your text or data plan or associated charges, please contact your wireless carrier.

7. How to Opt Out (STOP) and Get Help (HELP)

You can cancel the Program at any time. Text the keyword STOP to the number from which you receive our messages. After you send STOP, we may send you a single confirmation message acknowledging your opt-out, after which you will no longer receive Program messages from that number.

For assistance, text the keyword HELP to the same number, or contact us at support@sunnyfinancing.com. In response to HELP, we may provide contact information and a brief description of the Program.

Opting out of text messages does not withdraw any other consent you have given (for example, consent to be contacted by email or phone, or consent to share your inquiry with providers). To change those preferences, please contact us at support@sunnyfinancing.com. Opting out of the Program will not, by itself, remove your inquiry from providers with whom it was already shared; those providers manage their own communications and preferences.

8. Carriers Are Not Liable

Supported carriers may include major U.S. wireless carriers and others, and carrier support may change over time. Messages may be delayed or may not be delivered due to factors outside our control.

Wireless carriers are not liable for delayed or undelivered messages. Neither Sunny Financing nor participating carriers guarantee that messages will be delivered to or received by you.

9. Your Information and Privacy

Our collection and use of your information, including your mobile number, is described in our Privacy Policy, which is incorporated into these SMS Terms by reference. Please review it to understand how we handle your information and how you can exercise your choices.

Our business-funding inquiry is designed to collect limited business information. It does not collect Social Security numbers, full bank-account numbers, banking login credentials, tax returns, government-issued IDs, full dates of birth, or payment card data. Do not send sensitive personal or financial details of this kind by text message. If a provider requires additional information to make a credit decision, that provider will collect it directly from you under its own terms and privacy practices.

We do not sell or share the content of your text messages with providers for their own marketing except as described in our Privacy Policy and as consistent with the consents you provide.

10. Consents You Provide on Our Site

When you submit an inquiry or opt in to the Program, we may ask you to confirm specific, separate consents, which may include:

• Consent to be contacted by us about your inquiry (including, where you opt in, by text message)
• Consent to share your inquiry with selected independent third-party financing providers who make all credit decisions and set all terms
• Confirmation that you are seeking financing for business or commercial purposes, not for personal, family, or household purposes
• Confirmation that the information you provide is accurate and that you are authorized to provide it

11. Changes to These SMS Terms

We may update these SMS Terms from time to time. When we do, we will revise the effective date above and post the updated version. Changes are effective when posted unless otherwise stated or required by law.

Your continued participation in the Program after an update takes effect constitutes acceptance of the updated SMS Terms. If you do not agree to a change, you may opt out by texting STOP.

12. How to Contact Us

If you have questions about the Program or these SMS Terms, contact us using the information below.

Operating entity: Sunny Financing LLC. Mailing address: 1449 S Michigan Ave STE 13982, Chicago, IL 60605. Support email: support@sunnyfinancing.com. Privacy inquiries: info@sunnyfinancing.com. These SMS Terms are governed by the laws of Illinois, without regard to its conflict-of-laws rules, to the extent permitted by applicable law.

Reminder: This is a draft template and not legal advice. It must be reviewed and finalized by qualified legal counsel, and all bracketed placeholders must be completed with accurate, confirmed information, before it is published or relied upon. Where applicable, the Program should be reviewed for compliance with the Telephone Consumer Protection Act (TCPA), CTIA messaging guidelines, and other applicable federal and state laws and carrier requirements.