> ## Documentation Index
> Fetch the complete documentation index at: https://faq.universalaccountservicing.com/llms.txt
> Use this file to discover all available pages before exploring further.
# Text message program
> Sign up for account texts, what they cost, and how to stop them.
You can receive text messages about your account — payment reminders and similar. It is optional.
## Signing up
**Text START to 76032.**
> By texting START, you agree to receive text messages from Universal Account Servicing, LLC
> regarding your account, such as payment reminders, at the phone number used. Message and data
> rates may apply. Message frequency will vary. To opt out at any time, reply STOP, or HELP for
> more information.
You can also opt in inside uPortal360: under **Contact Info**, select **Edit** beside **Phone
Numbers** and check **Opt-In SMS** against your cell number.
## Stopping them
**Reply STOP to any message.** That is the fastest way, and it works immediately.
**STOP**, **END**, **CANCEL**, **QUIT** and **UNSUBSCRIBE** all work. You will get one confirmation
that the messages have stopped, and nothing after that.
To start again later, reply **START** or **UNSTOP**.
You can also clear the **Opt-In SMS** box in uPortal360, or [tell us](/getting-help/contacting-uas).
Reply **HELP** or **INFO** to any message for our phone number and a link to sign in.
**If you want to cancel your purchase, texting CANCEL is not enough.** Those words stop the text
messages, and we will always honor that. They do not cancel your agreement, your AutoPay, or what
you owe.
If cancelling the purchase is what you meant, call us or
[open a support request](/getting-help/opening-a-support-request) as well — otherwise you have
switched off the channel we would have used to reach you.
## What it costs
We do not charge for text messages. **Your mobile provider may** — standard message and data rates
apply, depending on your plan.
## When they arrive, and how often
Texts go out on **business days between 8:00 AM and 9:00 PM** in your own time zone. Never overnight
and never on a weekend.
Message frequency varies. Texts are tied to activity on your account rather than sent on a schedule,
so a month with nothing happening is a month with no texts.
## What we text you about
Every message is about your account and tells you how to opt out, and messages identify us rather
than arriving from an unexplained number. **We do not send marketing or offers on this channel.**
| | |
| ---------------------- | -------------------------------------------------------------------------------------------------------------------- |
| **Getting started** | A welcome message after you sign, and our contact details to save |
| **Payment reminders** | Three days before your first payment is due |
| **AutoPay** | When a payment posts, when one fails, when your saved card is about to expire, and if your AutoPay method is removed |
| **Missed payments** | Reminders while a payment is outstanding |
| **Promotional offers** | At 45, 30, 15 and 5 days before your promotional period ends |
| **Missing details** | If we have no mailing address or email address for you |
## What you are agreeing to
**A mobile number is not a condition of your credit.** You are not required to provide one, and
opting out of texts does not affect your account.
Providing a mobile number authorizes us to contact you about servicing and collecting on your
account — including by text, automated dialing, and prerecorded message — but **not to market to
you**. You can withdraw that consent at any time.
Stopping texts does not stop other channels. If you also want to change email or calls, see
[How and when we contact you](/trust-and-compliance/how-we-contact-you).
## Related terms
Your [Privacy Policy](https://universalaccountservicing.com/privacy) covers how we use the contact
details you give us, and your E-SIGN consent covers electronic communications generally — see
[Terms, Privacy and E-SIGN](/trust-and-compliance/terms-privacy-esign).