SMS Terms

001Program name and description

The text-message program is called Ledgano Records Notes (the "Program"). It is operated by Ledgano, a brand of The Nelson M Group LLC. If you opt in, we send recurring automated text messages to the mobile number you provided with educational personal finance information, confirmations and service messages, and announcements about new guides and resources.

Ledgano is not a bank, lender, credit service, investment firm, or financial adviser. How you manage your money is always your own decision.

002How to opt in

You can join by completing the form on our Get Started or SMS Notifications page and checking the separate, unchecked educational-texts consent box. You can also text START to join at 888-669-3917. We then send a welcome text that says “Text START to join” the program. Message and data rates may apply and message frequency may vary. You are never required to agree to receive text messages in order to use the Services or to buy anything. Consent is not a condition of purchase.

003Types of messages and examples

• Educational: confirmation of your request, educational personal finance information, reminders about topics you asked about, and service notices.

We never ask you to reply with account numbers, card numbers, Social Security numbers, or other confidential data by text.

004Message frequency

Message frequency varies depending on the topics you chose and the guides we publish. Most subscribers receive no more than about 8 messages per month. You may receive additional messages when you reply to us or request details.

005Costs

The Program is free from Ledgano, but message and data rates may apply according to your mobile plan. Contact your carrier for details.

006How to opt out (STOP)

You can cancel at any time. Reply STOP to any message (you may also use STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT). We will send a one-time confirmation that you have been unsubscribed and send no further messages unless you opt in again. If you opted in to both types of texts, STOP ends both. You can also email us at [email protected].

007How to get help (HELP)

Reply HELP to any message for help, or contact us at [email protected] or 888-669-3917.

008Opting back in

If you stopped messages and want to rejoin, reply START to a previous Ledgano message or complete the opt-in form again.

009Supported carriers and carrier disclaimer

The Program is available on most major U.S. wireless carriers, among them AT&T, T-Mobile, Verizon Wireless, and many regional carriers. Carriers and their affiliates are not liable for delayed or undelivered messages. Message delivery is under effective transmission from your carrier and your device's capabilities and coverage. Ledgano does not guarantee that every message will be delivered or delivered on time. The Program is for U.S. numbers only.

010Privacy and mobile information

We respect your privacy. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent will not be shared with any third parties. We may share information with service providers (such as our SMS platform and carriers) solely to deliver the messages and operate the Program. See our Privacy Policy.

011Your responsibilities

You confirm that you are the subscriber or customary user of the mobile number you provide and are authorized to consent to messages on it. Please tell us if your number revisions. Text messages are not encrypted, so please do not include sensitive personal or account data in replies.

012Limitation of liability and disputes

The disclaimers, limitation of liability, and dispute-resolution provisions (including arbitration and class-action waiver) in our Terms & Conditions apply to the Program. To the extent permitted by law, Ledgano, The Nelson M Group LLC, and our service providers are not liable for any delay, failure, or misdelivery of messages, or for any damages resulting from messages sent in accordance with your consent.

013Changes to these SMS Terms

We may modify these SMS Terms. We will post updates with a new "Last updated" date, and where required we will request your renewed consent.

014Contact