• Program: Turn Financial updates, waitlist notifications, and Turn Butler conversational concierge.
• Cost: Message and data rates may apply.
• Frequency: Message frequency varies (typically 1–2 msgs/month for waitlist; 2–6 msgs/week during active circles).
• Opt-Out: Reply STOP to unsubscribe at any time.
• Customer Care: Reply HELP or email [email protected].
• Strict Privacy: No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.
1. Program Overview & Description
Turn Financial, Inc. ("Turn Financial", "we", "us", or "our") offers interactive SMS/MMS text messaging and telephony voice services powered by Turn Butler—our intelligent conversational concierge and community savings assistant. Through our dedicated 10DLC messaging line, Turn Butler assists members with:
- Receiving launch announcements, platform updates, and waitlist invitations;
- Coordinating community savings circles (Susu, Pardna, Tanda, Sòl, Chit Funds);
- Delivering due-date reminders, pot funding alerts, and Friday payout confirmations;
- Conducting multi-factor authentication (MFA) and account security verification;
- Managing Turn Visa Debit Cards and personal milestone savings funds.
By opting into our messaging program, you agree to these SMS & Voice Messaging Terms ("Messaging Terms"), which incorporate our Platform Terms of Service and Privacy Policy.
2. Affirmative Consent & Opt-In Methods
You may opt into Turn Financial's SMS messaging and telephony services through:
- Web Form Registration: Submitting your mobile telephone number and actively checking the affirmative consent checkbox on our website waitlist or onboarding forms.
- Inbound SMS: Sending a text message, inquiry, or keyword to our dedicated concierge line.
- Inbound Telephone Calls: Dialing our concierge line to interact directly with Turn Butler.
- Member Invitations: Accepting an invitation to join a verified peer savings circle.
Consent Is Not a Condition of Purchase: You are not required to consent to marketing or promotional text messages as a condition of purchasing any goods, services, or participating in the Turn Financial platform.
3. Message Frequency & Cost Disclosures
- Message Frequency: Message frequency varies based on your active circle cadence, notification preferences, and account activity. Waitlist subscribers typically receive 1 to 2 informational messages per month. Members in active weekly savings circles typically receive 2 to 6 operational messages per week (including upcoming throw alerts and payout notices).
- Carrier Charges & Rates: Message and data rates may apply for any messages sent to you from us or sent to us by you. Turn Financial does not assess a fee for text messages, but your mobile wireless carrier may charge standard text messaging and data rates per your mobile plan.
4. Universal Opt-Out Instructions (STOP)
You can revoke your consent and unsubscribe from Turn Financial SMS text messages at any time:
- How to Cancel: Reply STOP, CANCEL, END, QUIT, or UNSUBSCRIBE to any message from Turn Financial.
- Opt-Out Confirmation: Upon receiving your STOP keyword, Turn Butler will send you a single final confirmation text message to verify that you have been unsubscribed. No further automated marketing or informational messages will be sent to your mobile phone number unless you re-enroll or text START or UNSTOP.
5. Customer Support & Help (HELP)
For assistance with our messaging program or conversational concierge:
- Text Command: Reply HELP or INFO to any message from Turn Financial. Turn Butler will reply with instructions and support contact details.
- Email Care: Contact our member support team at [email protected].
6. Supported Wireless Carriers & Carrier Disclaimer
- Carrier Compatibility: Our 10DLC messaging service is compatible with major and regional U.S. mobile wireless carriers, including AT&T, Verizon Wireless, T-Mobile, Sprint, Boost Mobile, Cricket Wireless, Metro by T-Mobile, and U.S. Cellular.
- Carrier Non-Liability: Carriers are not liable for delayed or undelivered messages. Neither Turn Financial nor wireless telecommunications carriers guarantee message delivery, as delivery is subject to carrier network transmission, geographic coverage, and device status.
7. Telephone Voice Call Recording & AI Transcription Consent
When placing an inbound telephone call to or receiving an outbound call from Turn Financial:
- Notice of Real-Time Processing: Calls with Turn Butler are processed, recorded, and transcribed in real time using artificial intelligence systems.
- Purposes: Calls are recorded solely to execute your voice-directed account commands, ensure quality assurance and phonetic accuracy, and maintain transaction records required under federal Regulation E.
- All-Party Consent: Continuing any telephone call with Turn Butler constitutes your express consent to audio recording and transcript retention under applicable state and federal wiretap laws. If you do not consent, disconnect the call immediately and communicate with us via text or email.
8. Mobile Information Privacy & Non-Sharing Commitment
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with or sold to any third parties.
Mobile data is shared exclusively with our licensed telecommunications carriers and infrastructure providers (such as Twilio) solely to the extent necessary to deliver text messages and transmit voice calls on our behalf under strict confidentiality agreements. For full details, review our Privacy Policy.
9. Modifications to Messaging Terms
Turn Financial reserves the right to modify these Messaging Terms at any time. Updates take effect upon posting to this URL. Continued participation in our messaging service following updates constitutes acceptance of the revised terms.
10. Contact Us
Messaging Operations & Compliance: [email protected]