This SMS / Messaging Policy explains how Trackwise LLC uses SMS, how consent is collected, what messages we send, and how to opt out. This Policy applies to U.S. recipients and is provided for transparency to carriers and reviewers, including the Twilio Trust Hub.
1. Who we are
Trackwise LLC, a Wyoming limited liability company, FinCEN MSB #31000299058422, headquartered at 30 N. Gould St., Ste R, Sheridan, WY 82801, USA. Trackwise sends SMS for the purpose of operating its banking infrastructure for fintech businesses.
2. What we send
Trackwise sends three categories of SMS, all transactional:
- Account verification (OTP / 2FA). One-time passcodes for login, password reset, device approval, and step-up authentication.
- Transactional alerts. Confirmations of transactions, transfers, payments, and account events you initiated.
- Fraud and security notifications. Warnings about suspicious activity, login from a new device or location, and similar safety events.
We do not send marketing SMS. We do not send promotional messages, sweepstakes, or third-party advertisements.
3. Sample messages
OTP / 2FA:
Trackwise: 482910 is your verification code. Do not share. Reply STOP to opt out.
Transactional:
Trackwise: $250.00 USD sent to recipient ending ••••4421. Reply STOP to opt out.
Fraud notification:
Trackwise alert: Login attempt from Lima, PE. If this wasn't you, secure your account at trackwise.finance/security. Reply STOP to opt out.
4. Consent
Consent is collected on the platform at the time you provide your phone number. The consent checkbox is unchecked by default and must be affirmatively checked by you. The consent language reads:
"I agree to receive SMS messages from Trackwise for account verification, login, and transactional alerts at the phone number I provided. Message and data rates may apply. Frequency varies. Reply STOP to opt out at any time. Reply HELP for help. Trackwise does not share or sell SMS opt-in data or consent to third parties for marketing."
The consent checkbox is visible on the public contact form at trackwise.finance/contact.
5. Frequency
Frequency varies based on your activity. OTP messages are sent when you request authentication. Transactional and fraud alerts are sent only when triggered by your account activity. Typical frequency is fewer than five (5) messages per session.
6. Opt-out
Reply STOP, STOPALL, UNSUBSCRIBE,
CANCEL, END, or QUIT to any SMS
from Trackwise to opt out. We will send one confirmation reply and will
not send further messages, except for transactional messages legally
required to operate your account.
Reply HELP to receive contact information for support.
7. Sharing of consent data
Trackwise does not share, sell, rent, or otherwise transfer SMS opt-in data or consent to third parties for marketing. SMS phone numbers and consent records are shared only with our messaging carrier (Twilio Inc. or a successor) strictly to deliver the requested messages, and with regulators or law enforcement where required by law.
8. Carrier disclaimer
Message and data rates may apply. Carriers, including T-Mobile, AT&T, Verizon, and other U.S. carriers, are not liable for delayed or undelivered messages.
9. Privacy
Phone numbers and message metadata are processed in accordance with our Privacy Policy, including the Mobile Information and SMS section.
10. Contact
For questions about this Policy, email support@trackwise.finance.