1. Program Description
By opting in to receive SMS messages from CollectWise, you agree to receive text messages related to account notifications, payment reminders, collections communications, and other relevant updates. Message frequency may vary.

2. Opting In
You can opt in to receive SMS messages by providing your mobile number through our website, customer portal, or other approved enrollment methods.

3. Opting Out
You may opt out at any time by replying STOP to any SMS message from us. After opting out, you will no longer receive messages unless you re-enroll.

4. Help & Support
For help, reply HELP to any message or contact our support team at [info@collectwise.com] or 646-466-6188.

5. Message & Data Rates
Message and data rates may apply. Check with your mobile carrier for details on any charges related to SMS messages.

6. Carrier Liability
Mobile carriers are not responsible for delayed or undelivered messages.

7. Privacy & Data Security
We respect your privacy. Your phone number and personal information will be handled per our [Privacy Policy](insert link), and we will never sell or share your information without your consent.

8. Changes to Terms
We may update these terms occasionally. Continued use of our SMS service after updates constitutes acceptance of the new terms.

9. Contact Information
For questions about these terms, contact us at [info@collectwise.com] or 646-466-6188.

By opting in, you acknowledge that you have read and agree to these SMS Terms & Conditions.