SMS Terms

Program name: Zenda Financial Client Communications
Effective date: November 8, 2026 · Last updated: November 8, 2026 (draft, pending counsel review)

Zenda Financial LLC ("Zenda", "we", "us") offers an optional text messaging program for people who have contacted us. These SMS Terms describe the program. Our Privacy Policy describes how we handle your information, including your mobile opt-in data.

1. What the program is

When you opt in, Zenda Financial LLC sends you text messages, some of them automated, about your inquiry and the services you have asked us about. Message types include:

• consultation scheduling, confirmations and reminders
• replies to questions you send us by text
• follow-ups on a submission you made on zenda.financial
• requests for documents or details you agreed to send us
• account and service notices, including appointment changes

We do not send cold or unsolicited texts. We text only people who opted in, and only about their own inquiry or engagement.

2. How you opt in

You opt in by one of these methods:

1. Website form. You enter your mobile number on a form on zenda.financial and check a separate, unchecked box directly under the phone field that reads: "Text me too. I agree to receive SMS messages, including automated messages, from Zenda Financial LLC about my inquiry, such as consultation scheduling, reminders and follow-ups. Message frequency varies, typically 2–4 per month. Msg & data rates may apply. Reply STOP to cancel, HELP for help. Consent is not a condition of any purchase or service. See SMS Terms and Privacy Policy."
2. During a consultation. You tell a Zenda team member, on a recorded call or in writing, that you would like to receive texts. We record the date, time, number and the words of your consent.
3. By texting us first. If you text a Zenda number, we may reply to that conversation.

We keep a timestamped record of every opt-in.

Opting in to texts is never a condition of receiving any product, service or consultation from Zenda. You can get the same help by email or phone.

3. Message frequency

Message frequency varies with your inquiry and schedule. Typical volume is 2 to 4 messages per month. Around a scheduled consultation you may receive a few messages in one week.

4. Message and data rates

Message and data rates may apply for messages sent to you from us and from you to us. For questions about your text or data plan, contact your wireless provider.

5. How to stop

Reply STOP to any message from us to cancel. You will receive one final message confirming you have been unsubscribed, and no further messages will be sent unless you opt in again. STOP replies are processed automatically. You can also stop by emailing hello@zenda.financial or calling (832) 501-9962; those requests are processed within one business day.

6. Help

Reply HELP to any message for assistance, email hello@zenda.financial, or call (832) 501-9962, Monday to Friday, 9 AM to 6 PM Mountain Time.

7. Carriers

The program works with major US wireless carriers and most regional carriers. Carriers are not liable for delayed or undelivered messages.

8. Your mobile information

We do not share your mobile number, your opt-in record or your consent with third parties or affiliates for their marketing or promotional purposes. See the Privacy Policy, section "Text messaging data".

9. AI-assisted replies

Some text replies may be drafted or handled by an AI assistant working under Zenda's instructions. Reply AGENT or ask for a person at any time and a Zenda team member will take over.

10. Eligibility

You must be 18 or older and the account holder, or have the account holder's permission, to participate.

11. Changes

We may update these SMS Terms. The current version is always at zenda.financial/sms-terms with its effective date.

12. Contact

Zenda Financial LLC · 30 N Gould St, Ste R, Sheridan, WY 82801 · (832) 501-9962 · hello@zenda.financial

Zenda Financial LLC is not a bank. Funding is provided by Zenda and its network of licensed funding partners under separate agreements.