ExpiTrans SMS Messaging Terms and Conditions

Effective Date: 8/5/2026

Last Updated: 8/5/2026

These SMS Messaging Terms and Conditions (“SMS Terms”) govern SMS and MMS messages sent by or on behalf of ExpiTrans, Inc. (“ExpiTrans,” “we,” “us,” or “our”).

By enrolling in an applicable ExpiTrans messaging program, requesting a verification code, or otherwise initiating an SMS communication, you agree to these SMS Terms.

1. Program Name

ExpiTrans SMS Messaging Program

ExpiTrans may operate separate messaging campaigns or programs for:

• authentication
• two-factor authentication
• account notifications
• transaction notifications
• customer care
• support
• service-related communications
• marketing communications.

Consent to one messaging program does not necessarily constitute consent to another.

2. Program Description

Depending on the program in which you enroll or the action you initiate, ExpiTrans may send messages concerning:

• one-time passcodes
• multifactor-authentication codes
• account registration
• account login
• phone-number verification
• password recovery
• account-access recovery
• security alerts
• suspected unauthorized activity
• suspected fraud
• payment confirmations
• transaction confirmations
• payment receipts
• failed-payment notifications
• settlement notifications
• deposit notifications
• batch-status notifications

• invoice reminders
• merchant-account updates
• application or onboarding updates
• support tickets
• technical-support communications
• service availability
• operational notices
• products and services
• promotions and offers where separately authorized.

Messages may be sent using automated technology.

3. Authentication and 2FA Messages

Authentication messages may be sent when a user:

• creates an account
• requests a login code
• verifies a mobile number
• resets a password
• recovers account access
• enables multifactor authentication
• completes another user-initiated security action.

Authentication messages are sent only after the user initiates an action requiring verification.

A typical authentication message may state:

ExpiTrans: Your verification code is 482913. This code expires in 10 minutes. Do not share this code with anyone.

Authentication messages are not marketing messages.

Authentication disclosure

When requesting an SMS verification code, the user may be shown language substantially similar to:

By selecting Send Code, you agree to receive a one-time authentication text message from ExpiTrans at the mobile number provided. Message and data rates may apply.

4. Recurring Account and Transaction Notifications

Users who affirmatively enroll may receive recurring messages concerning:

• payment activity

• transaction status
• receipts
• failed payments
• deposits
• settlements
• invoices
• account updates
• security events
• support matters
• other service-related activity.

Message frequency varies based on account activity, transaction volume, support interactions, and communication preferences.

5. Marketing Messages

Where offered, ExpiTrans may send marketing or promotional messages concerning:

• products
• services
• features
• events
• educational information
• promotions
• offers
• account-upgrade opportunities.

ExpiTrans will obtain the level of consent required by applicable law before sending marketing messages.

Consent to receive marketing text messages is not a condition of purchasing any goods or services.

Marketing consent is separate from consent to receive authentication, account- security, transactional, or service-related messages.

6. Consent and Enrollment

Depending on the applicable messaging program, you may provide consent by:

• entering your mobile telephone number
• checking an unchecked consent box
• submitting an online enrollment form
• updating communication preferences within an account
• completing a written or electronic authorization
• texting a supported opt-in keyword where that method is expressly offered
• requesting a one-time authentication code
• initiating a support interaction that requires an SMS response

otherwise expressly requesting text-message communications.

The disclosure presented at enrollment will identify the applicable message categories or messaging program.

Providing a telephone number by itself does not constitute consent to receive marketing messages unless the accompanying disclosure clearly requests that consent and the user affirmatively agrees.

7. Message Frequency

Message frequency varies.

The number of messages you receive may depend on:

• account activity
• transaction volume
• authentication requests
• security events
• payment activity
• support interactions
• service events
• communication preferences
• the messaging program selected.

ExpiTrans does not guarantee or require a fixed number of messages.

8. Message and Data Rates

Message and data rates may apply.

Your mobile carrier’s standard messaging, data, and other charges may apply to messages you send or receive.

ExpiTrans does not charge a separate fee solely for receiving an SMS message. However, fees may apply to the underlying ExpiTrans product or service.

Contact your wireless carrier for information regarding your messaging plan and charges.

9. Opting Out

You may opt out of an applicable recurring ExpiTrans SMS program at any time by replying STOP.

ExpiTrans or its messaging provider may also recognize other common opt-out keywords, including:

• CANCEL

• END
• OPTOUT
• QUIT
• REVOKE
• STOPALL

UNSUBSCRIBE.

After you opt out, you may receive one final confirmation message informing you that the opt-out request was processed.

No further messages will be sent through the applicable recurring program unless you later provide valid consent again.

Opting out may apply to the specific:

• sender
• telephone number
• messaging service
• campaign
• program

from which the message was sent.

You may need to opt out separately from a different ExpiTrans messaging program or sender.

Opting out of marketing or recurring account notifications does not prevent ExpiTrans from sending:

• a one-time authentication code you specifically request
• an account-security message you initiate
• a legally required communication
• another message permitted without recurring marketing consent.

10. Resubscribing

Where supported, you may resubscribe by:

• updating your account preferences
• completing a new consent form
• replying START
• replying UNSTOP
• using another enrollment method expressly offered by ExpiTrans.

A new consent record may be required before recurring messages resume.

11. Help and Support

For assistance, reply HELP to an ExpiTrans message.

You may also contact:

ExpiTrans Support
Telephone: 888-270-3642
Email: support@expitrans.com

A help response may include information regarding:

• the ExpiTrans brand
• the program
• available support
• message-and-data rates
• how to opt out.

12. Supported Carriers and Delivery

Message delivery is subject to:

• wireless-carrier availability
• network availability
• device compatibility
• device settings
• telephone-number accuracy
• carrier filtering
• service outages
• conditions outside ExpiTrans’s control.

Carriers are not liable for delayed or undelivered messages.

ExpiTrans does not guarantee that:

• every message will be delivered
• every message will be delivered immediately
• every mobile device will be compatible
• every wireless carrier will support every feature.

13. Telephone-Number Responsibilities

By providing a mobile telephone number, you represent that:

• you are the subscriber or customary user of the number
• you are authorized to provide consent for that number
• the number is accurate
• the number is current
• you will notify ExpiTrans if your authority to use the number changes.

You must update your account or notify ExpiTrans if:

• your number changes
• you discontinue the number
• you transfer the number
• the number is reassigned
• you lose access to the number
• you are no longer authorized to use it.

Do not provide a telephone number belonging to another person without authorization.

14. Security of Authentication Messages

Authentication messages may contain sensitive one-time codes.

You should:

• never share a one-time passcode
• use a code only for the request you initiated
• disregard an unsolicited code
• report suspected unauthorized account activity
• protect your mobile device
• maintain account security
• verify that a request originated from an official ExpiTrans interface.

ExpiTrans will not ask you to disclose a one-time authentication code in response to an unsolicited telephone call, email, or text message.

15. Transactional and Service Messages

Transactional or service-related messages may include:

• information you requested
• payment confirmations
• receipts
• account notices
• settlement updates
• failed-payment notices
• invoice reminders
• fraud alerts
• security warnings
• support responses
• application updates
• technical-service notices
• authentication codes.

Receiving a transactional or service message does not enroll you in marketing messages unless you separately provide marketing consent.

16. Privacy and Mobile-Information Sharing

ExpiTrans processes mobile information in accordance with its Privacy Policy:

https://expitrans.com/privacy-policy/

No mobile information will be shared with third parties or affiliates for their own marketing or promotional purposes.

This includes:

• mobile telephone numbers
• SMS opt-in data
• messaging consent
• enrollment records
• text-message originator information.

ExpiTrans may use service providers to:

• transmit messages
• provide communications infrastructure
• manage consent
• maintain opt-out records
• prevent fraud
• protect security
• provide customer support
• comply with law.

Those providers may use mobile information only to provide services to ExpiTrans or as otherwise legally permitted.

SMS consent information will not be sold or shared for unrelated third-party marketing.

17. Records of Consent and Opt-Out Requests

ExpiTrans may maintain records concerning:

• the telephone number
• the consent language presented
• the source of consent
• the date and time of consent
• the account or user involved
• the requesting device or IP address
• the campaign or program
• authentication requests
• opt-out requests
• help requests
• resubscription activity.

These records may be retained to:

• administer messaging programs
• honor communication preferences
• demonstrate compliance
• investigate complaints
• protect security
• comply with legal or contractual requirements.

18. Changes to the Messaging Program

ExpiTrans may:

• modify a program
• change a sending number
• change a messaging provider
• change message frequency
• add or remove features
• suspend a program
• discontinue a program.

Where legally required, ExpiTrans will provide notice of a material change.

19. Changes to These SMS Terms

We may update these SMS Terms periodically.

Updated SMS Terms will be posted with a revised “Last Updated” date.

Where required by law, ExpiTrans will provide additional notice or obtain new consent.

20. Disclaimer

The ExpiTrans SMS Messaging Program is provided on an “as available” basis.

Delivery may be affected by:

• carrier availability
• network conditions
• device settings
• blocked numbers
• incorrect telephone information
• filtering
• outages
• fraud controls
• security controls
• events outside ExpiTrans’s reasonable control.

Do not rely exclusively on SMS for emergency, urgent, or time-sensitive instructions.

21. Contact Information

Questions regarding the ExpiTrans SMS Messaging Program may be directed to:

ExpiTrans, Inc.
22412 Gilberto, Suite B

Rancho Santa Margarita, California 92688

Telephone: 888-270-3642
Email: support@expitrans.com