SMS Terms

What text messages we send

When you provide a mobile phone number to PayWelly, we may send you text messages through our SMS provider, Twilio. Messages fall into two categories, governed by separate consent:

• Transactional and account messages (required). Two-factor authentication codes, contract acceptance notices, payment receipts, payout confirmations, dispute notifications, and security alerts. You consent to these when you provide a mobile number; they are necessary to operate your account. You can opt out by replying STOP, but doing so will disable SMS-dependent features (like phone-based 2FA) and you may need to switch to email-based notifications for critical account events.
• Marketing messages (optional). Product announcements, tips, and occasional promotional offers. You only receive these if you affirmatively check the SMS marketing box at signup or later in Settings. This is not a condition of using PayWelly.

Message frequency

Message frequency varies. Your transactional volume scales with your activity — a contractor with five active engagements will receive more than one with none. Marketing-SMS volume is capped at no more than five messages per month.

Costs

Msg & data rates may apply. PayWelly does not charge for SMS, but your mobile carrier may.

STOP / HELP keywords

Reply STOP to any PayWelly text to opt out of that category. STOP applied to a marketing message stops only marketing SMS; transactional messages continue. STOP applied to a transactional message stops all SMS — including 2FA. Reply HELP at any time for help and a link back to this page.

You can also opt out at any time by toggling the SMS option off in Settings → Notification preferences, or by emailing team@paywelly.com. Per FCC rule (47 CFR §64.1200(a)(10), effective April 11, 2025), revocation is honored within 10 business days.

Carriers we deliver through

AT&T, T-Mobile, Verizon, and their MVNOs (Mint, Cricket, Boost, Visible, US Mobile, etc.). Carriers are not liable for delayed or undelivered messages.

Privacy — what we do with your mobile data

We do not share, sell, rent, or otherwise disclose your mobile phone number or SMS opt-in data to any third party or affiliate for their own marketing purposes.

SMS data is shared only with Twilio (our messaging carrier), with mobile carriers for the technical purpose of delivering each message, and with law enforcement when legally compelled. This restriction is permanent and applies regardless of any future change in PayWelly's ownership or business model.

Audit trail we keep

For every SMS opt-in, we record the timestamp, IP address, user-agent, the URL where consent was given, the exact text of the disclosure you saw, and the verbatim consent language you checked. We retain this data for at least five years after revocation as our TCPA audit trail (47 CFR §64.1200).

Contact

Questions about these terms or about a message you received? team@paywelly.com — we read every reply.

See also: Terms of Service · Privacy Policy · Cookie Policy