SMS Terms & Conditions

Twilio A2P SMS Registration & Consent Verification

This page provides Twilio and mobile carrier reviewers with a complete overview of Halo Loan Xchange's SMS registration, consent, authentication, and compliance process.

SMS Registration Flow

1. 1

   User visits haloxchg.com

   Visitor arrives at the public homepage and selects "Request Access."

2. 2

   Creates an account

   Applicant enters first/last name, company, email, and password on the Registration page.

3. 3

   Voluntarily enters a mobile phone number

   A 10-digit U.S. mobile number may optionally be entered in the "Mobile number (optional)" field.

4. 4

   Reviews the SMS consent language

   Full consent language, frequency and rates disclosures, and STOP/HELP instructions are displayed next to the checkbox.

5. 5

   Actively checks the SMS consent checkbox

   The checkbox is never pre-selected — it defaults to unchecked and must be manually checked.

6. 6

   Accepts the Privacy Policy and Terms of Service

   Privacy Policy, Terms of Service, and SMS Policy links are inline in the consent text and open in a new tab.

7. 7

   Verifies email address

   A 6-digit code is emailed; the applicant must enter it to verify their email address.

8. 8

   Receives a One-Time Passcode (OTP)

   If a phone number was entered and consent was checked, a 6-digit code is sent via Twilio SMS.

9. 9

   Verifies ownership of the mobile phone number

   The applicant enters the SMS OTP to prove ownership of the mobile number before any other SMS is sent.

10. 10

    Account activated

    The applicant is redirected into the platform with Buyer Preview access; the access request is queued for admin review.

Screenshots

SMS Consent Language (Exact Production Wording)

"I agree to receive SMS messages from Halo Loan Xchange for account verification, authentication, account security notifications, account-related updates, listing notifications based on my saved preferences, and customer support communications. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Reply HELP for assistance. See our Privacy Policy, Terms of Service, and SMS Policy."

Message Types

Halo Loan Xchange does NOT send:

• Loan solicitations
• Financing offers
• Debt collection messages
• Third-party marketing messages

Sample SMS Messages

Keyword Opt-In

Supported keywords: START, YES, SUBSCRIBE — users may also opt in via these SMS keywords, where supported by the messaging service. The primary opt-in method remains the explicit, non-preselected consent checkbox during account registration or in Account Settings, as described above.

HELP — Replying HELP to any message returns support contact information (support@haloxchg.com).

STOP — Replying STOP to any message immediately opts the user out of all future SMS messages and triggers a single confirmation message.

Legal Links

• Privacy Policy
• Terms of Service
• SMS Terms

All links above are publicly accessible without authentication.

Privacy Commitment

• Mobile numbers are collected only with user consent.
• Users verify ownership through OTP.
• Message frequency varies based on account activity and user preferences.
• Message and data rates may apply.
• Users may opt out at any time by replying STOP.
• Users may request assistance by replying HELP.
• Mobile information is not sold or shared with third parties for their own marketing purposes.