SMS Opt-In & Consent

How Customers Opt In

PayMind sends transactional SMS messages only to customers who have provided explicit consent through their dealership's onboarding process. Consent is collected in the following way:

No SMS messages are sent without this explicit checkbox consent. The consent record is stored with a timestamp and customer ID for compliance verification.

Types of Messages

PayMind sends only transactional (non-marketing) SMS messages, including:

• Payment Reminders: Sent before a payment due date to help customers pay on time.
• Payment Confirmations: Sent after a successful payment is processed.
• Past-Due Notifications: Sent when a payment becomes overdue.
• Account Alerts: Secure login links and important account updates.

Message Frequency

Customers typically receive 2-6 messages per month depending on their payment schedule and account activity. Message frequency varies based on payment frequency (weekly, biweekly, or monthly) and account status.

Opt-Out Instructions

Customers can opt out of SMS messages at any time by:

• Replying STOP to any SMS message received from PayMind.
• Contacting their dealership directly to request removal.
• Emailing us at info@joarciniegas.cloud.

After opting out, no further SMS messages will be sent. Opting out does not affect the customer's loan or payment obligations.

Help

For assistance with SMS messages, reply HELP to any message or contact us at info@joarciniegas.cloud.

Carrier & Cost Information

Message and data rates may apply depending on your mobile carrier and plan. PayMind does not charge for SMS messages, but standard carrier rates apply. Compatible with all major US carriers.

Privacy

Phone numbers and consent records are stored securely and are never sold or shared with third parties for marketing purposes. For full details, see our Privacy Policy.