Get started Button arrow

Terms and Conditions of Service

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING THE PEBBLE WEBSITE/APP, YOU AGREE TO BE BOUND BY (1) THESE PEBBLE TERMS OF SERVICE, (2) THE PEBBLE E-SIGN CONSENT AGREEMENT (FOR WHICH SEPARATE CONSENT AND AUTHORIZATION IS ALSO REQUIRED), AND (3) THE PEBBLE PRIVACY POLICY. THESE THREE DOCUMENTS ARE REFERRED TO COLLECTIVELY AS THE “TERMS.” IF YOU DO NOT AGREE WITH THE TERMS, PLEASE DO NOT ACCESS THE PEBBLE APP OR WEBSITE OR USE THE PEBBLE SERVICE. THE HEADINGS CONTAINED IN THESE TERMS ARE FOR REFERENCE PURPOSES ONLY. YOU SHOULD PRINT A COPY OF THE TERMS FOR YOUR RECORDS.

  1. GENERAL

    1. The Parties to this Agreement

      1. These terms describe a contractual relationship (“Agreement”) between you (“you” or “your”) and Pebble, Inc. (including its subsidiaries, affiliates, agents, and assigns) (“we”, “us”, or “our”). We may transfer or assign this Agreement, and any rights under this Agreement, to a third party without notice to you or without your consent.

    2. Changes to this Agreement

      1. We reserve the right to amend this Agreement at any time, by adding, deleting, or changing provisions of this Agreement. If we amend this Agreement, then we will provide notice on our website or as otherwise required by applicable law. Subject to any notice period that may be required by applicable law, after we provide notice of any amendment to this Agreement, if you use the Services or do not immediately close your account, then you agree to such amendments.

  2. OUR SERVICES

    1. Overview

      1. Our credit reporting tool and its associated features (the “Platform” or “Services”) enable you to report recently paid bills to your credit reports at the approved bureaus, which may be amended from time to time.

    2. Fees

      1. Any fees associated with using the Platform will be clearly displayed on the relevant confirmation screen. You must expressly agree to these fees before proceeding.

    3. Canceling Your Account

      1. If you choose a membership option, you may cancel it at any time. Upon cancellation, no further monthly fees will be charged on the next monthly billing cycle.

    4. Payment Schedules

      1. Payment schedules will be displayed for each bill uploaded to the Platform before you confirm the receipt submission. Any applicable processing fees will also be shown on the confirmation screen.

    5. Eligible receipts

      1. We will only accept receipts for eligible bills, determined solely at our discretion. Generally, these receipts must be for services where the provider had credit risk to you by delivering the service before receiving payment.

    6. Authorization to establish a trade line

      1. By using the Platform, you authorize us to establish a line of credit with the relevant credit bureaus. Any amounts owed to us, including scheduled payments, may be reflected on your credit report. This may have an effect on your credit score. You agree that we may charge your line of credit for any applicable amounts resulting from transactions conducted through the Service.

    7. Processing times and reflection on credit reports

      1. Uploaded receipts are verified by our Platform to determine eligibility. If a receipt is deemed ineligible for reporting, you will be notified, and it will not be reported as part of a transaction.
      2. If your receipt is approved, you must make payment according to the scheduled payment plan. We will send reminders about upcoming payments, and you may cancel at any time before the payment is processed. Canceling before the scheduled payment will result in the transaction not being reported, although your trade line may remain open in such a case. Unused trade lines may be closed at our sole discretion.
      3. Any bill payments and/or scheduled payments (together “transactions”) will be reflected on your credit report as part of the trade line in the following calendar month. Please note transactions may have positive or negative impact: a transaction will be reported to the credit bureaus if the scheduled payment is successfully processed. In the event of a payment failure, a transaction (or part thereof) may be reported which could negatively impact your credit score. You acknowledge and consent that Pebble may report information from your account (such as on-time, missed or late payments, any defaults) to credit reporting agencies.
      4. We will charge your nominated payment source in accordance with your payment schedule. These will always be scheduled in the future. You hereby expressly consent to, authorize, and instruct us to deduct the amount or pre-set amounts from your nominated payment source for the amounts owing on the relevant dates.
      5. If you have missed a payment, you authorize us to attempt to process this payment again on any payment source linked in your account.
      6. You are responsible for ensuring that you have sufficient funds in your nominated payment source or the underlying account which funds that nominated payment source. You are responsible for ensuring that you have available funds to make payments. You are liable for any fees or charges imposed by your bank for any payments we attempt to process in accordance with these terms and conditions.
      7. If we need to contact you regarding amounts you owe on your account, you authorize us and any of our subcontractors or agents we may use, to contact you at any phone number or email address you provide or from which you contact us. You consent to be contacted in any way such as texting, emailing, calling, sending mobile application push notifications, or using any other method of communication at any time and to contact you on a mobile, wireless, or similar device, even if you are charged for it. You consent to be contacted using an automated dialler or pre-recorded messages. You explicitly consent for us to contact you at any time in relation to these messages.

    8. Refunds

      1. If we are unable to report a bill payment due to the receipt being ineligible, you will not be charged on the scheduled payment date, and the transaction will be annulled. If you have opted for a membership, your membership remains active, allowing you to upload other eligible bills as part of your plan. Once your account is active and a trade line is open, any fees owed to us are non-refundable.

    9. Eligibility, Approvals, Verification, Checks and Deposits

      1. To be eligible to use the Services, you must be at least of the age of legal majority where you live (which is currently 18 years old, in most jurisdictions) and a legal resident of the United States or its territories and have a credit file at one of our partner bureaus. You represent and warrant that you are eligible to use the Services.
      2. All validly submitted memberships to use our Platform are subject to our internal approval criteria, as amended from time to time. We may choose not to approve you based on our risk assessment checks. If your account or bill is denied, you will be notified promptly. We may close, suspend, restrict, or limit your account and/or your use of or ability to obtain Services in our sole discretion at any time for any reason.
      3. We reserve the right to verify your identity and credit worthiness. You authorize us to make, directly or through third parties, any inquiries we consider necessary to verify your identity and assess your capability to make payments to us. For credit worthiness, this may include ordering a credit report, performing other payment capability checks, and verifying information you provide against third party databases. We will only obtain consumer reports that do not impact your credit score and do not leave a hard inquiry on your credit report.
      4. All information that we collect about you will be used and stored in accordance with our Privacy Policy.
      5. You authorize us (or any third parties providing services on behalf of us) to disclose to third parties, to the extent required by any applicable laws or regulations, any information in relation to you or your account.

  3. YOUR USE OF PEBBLE

    1. Promise to pay

      1. By using our Services, you (as the registered account holder) provide us with unconditional and irrevocable consent and direction to pay the bill issuer in consideration for your agreement and obligation to pay us. While we do not impose late fees, if you fail to timely (i) make your payments as per your schedule, or (ii) pay the membership fee, you acknowledge that you have failed to pay us.

    2. Agreement to Provide Accurate Information

      1. When you provide information to Pebble or in connection with the Services, you agree to provide only true, accurate, current, and complete information about yourself.

    3. Responsible for Fees

      1. You, as the registered account holder, are responsible for any fees on the account.

    4. Payment Methods

      1. You may use one of the acceptable methods of payment set forth in our Platform.

    5. Access to Your Account

      1. You are responsible for maintaining the secrecy of the login credentials to your Pebble account.

    6. Website & App Content

      1. Information on the Pebble website and in the Pebble App is for information purposes only. We do not make any promises as to its completeness, timeliness, or accuracy. The information and materials contained on the Website and in this Agreement are subject to change without notice.

    7. Access to the Services

      1. Access to the Services may from time to time be unavailable, delayed, limited, or slowed due to certain factors which may be outside of our control.

  4. MISCELLANEOUS PROVISIONS

    1. Disputes with Pebble

      1. THIS SECTION CONTAINS A BINDING ARBITRATION CLAUSE AND CLASS ACTION/JURY TRIAL WAIVER. THEY AFFECT EACH PARTY'S RIGHTS CONCERNING THE RESOLUTION OF ANY DISPUTE (DEFINED BELOW) BETWEEN THE PARTIES. This dispute resolution section applies to general disputes between you and Pebble. Any dispute with regard to a Pebble transaction is governed by the specific governing Pebble transaction document. To the extent of any conflict in dispute resolution terms, the subsequent in time transaction document will control.
      2. To expedite the resolution and cost of any dispute between you and us arising from or relating to your use or inability to use the Services and generally with respect to Pebble, this Agreement or the enforcement of any provision of this Agreement (a “Dispute”), you and we agree to first attempt to on an informal basis negotiate any Dispute (except those Disputes expressly excluded below) for at least thirty (30) days before initiating any arbitration or court proceeding. These informal negotiations will only commence upon receipt of a written notice (each, a “Notice”). Such Notices will be sent by mail to your most recent address provided to us in connection with your account, or by email to the electronic mail you have on file with us. Our address for such notices is: PO Box 3511 New York, NY 10008: Legal, or by email to legal.us@hipebble.com. Any Notice from you must include your name, relevant account information, a brief description of the Dispute, and your contact information so that we may evaluate the Dispute and begin attempts to informally resolve the Dispute with you. Any Notice from us will include relevant account information, a brief description of the Dispute, and our contact information, so that you may also evaluate the Dispute and attempt to informally resolve the Dispute with us. No further action is necessary if the informal negotiations are successful.
      3. IF THE PARTIES ARE UNABLE TO RESOLVE A DISPUTE THROUGH INFORMAL NEGOTIATIONS, THE PARTIES AGREE THAT EITHER YOU OR WE MAY ELECT TO HAVE THE DISPUTE (EXCEPT THOSE DISPUTES EXPRESSLY EXCLUDED BELOW) FINALLY AND EXCLUSIVELY RESOLVED BY BINDING ARBITRATION. ANY ELECTION TO ARBITRATE BY ONE PARTY WILL BE FINAL AND BINDING ON THE OTHER. YOU UNDERSTAND THAT IF EITHER PARTY ELECTS TO ARBITRATE, NEITHER PARTY WILL HAVE THE RIGHT TO SUE IN COURT OR HAVE A JURY TRIAL. The arbitration will be commenced and conducted as per the Commercial Arbitration Rules (the “AAA Rules”) of the American Arbitration Association (“AAA”) and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes (“AAA Consumer Rules”), both of which are available at the AAA website www.adr.org. The Federal Arbitration Act will govern whether a Dispute is subject to arbitration and it will be determined by a court rather than an arbitrator. Your arbitration fees and your share of arbitrator compensation will be governed by the AAA Rules (and, where relevant, limited by the AAA Consumer Rules). We will pay all arbitration fees and expenses if such costs are determined by the arbitrator to be excessive. The arbitration may be conducted in person, through the submission of documents, by phone, or online. The arbitrator will decide in writing but need not provide a statement of reasons unless requested by a party. The arbitrator must follow applicable law, and any award may be challenged if the arbitrator fails to do so. Except as otherwise provided in this Agreement, you and we may litigate in court to compel arbitration, stay proceeding pending arbitration, or confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.
      4. The parties agree that the following Disputes are not subject to the above provisions concerning informal negotiations and binding arbitration: (1) any suit to compel arbitration, stay proceeding pending arbitration, or confirm, modify, vacate, or enter judgment on the award entered by the arbitrator; (2) any suit to seek temporary injunctive relief that will remain in place only until an arbitrator can determine whether the relief should be continued, modified, or removed; or (3) any claim related to actual or threatened infringement, misappropriation, or violation of a party's copyrights, trademarks, trade secrets, patents, or other intellectual property rights. In addition, either party may assert claims, if they qualify, in small claims court in New Castle County, Delaware or any United States county where you work or live.
      5. The parties agree that any arbitration will be limited to the Dispute between us and you individually. TO THE FULL EXTENT PERMITTED BY LAW, (1) NO ARBITRATION SHALL BE JOINED WITH ANY OTHER; (2) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE ARBITRATED ON A CLASS-ACTION BASIS OR TO UTILIZE CLASS-ACTION PROCEDURES; AND (3) THERE IS NO RIGHT OR AUTHORITY FOR ANY DISPUTE TO BE BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC OR ANY OTHER PERSONS.
      6. Arbitration will take place in New York, NY. The parties agree that for any Dispute not subject to arbitration (other than claims proceeding in any small claims court), or where no election to arbitrate has been made, the state and federal courts located in New York have exclusive jurisdiction and the parties agree to submit to the venue the personal jurisdiction of such courts.
      7. You may opt out of the foregoing arbitration clause and class action/jury trial waiver provision of this Agreement by NOTIFYING US IN WRITING WITHIN 30 DAYS OF THE DATE YOU LAST PLACED AN ORDER. To opt out, you must send a written notification to us at legal.us@hipebble.com. with Attention: Legal. The notification must also include (i) your account identification; (ii) your name; (iii) your address; (iv) your telephone number; (v) your email address; and (vi) a clear statement indicating that you do not wish to resolve claims through arbitration and demonstrating compliance with the 30-day time limit to opt out of the above arbitration and class action/jury trial waiver sections.

    2. Governing Law and Jurisdiction

      1. Except as expressly provided otherwise, this Agreement is governed by, and will be construed under, the laws of the State of Delaware, without regard to choice of law principles. The application of the United Nations Convention on Contracts for the International Sale of Goods is expressly excluded. Judicial proceedings (other than small claims actions) that are excluded from the agreement to arbitrate in Section 12 must be brought in state or federal court in or closest to New York, New York unless both parties to some other location. You and we both agree to waive the right to a jury trial and consent to venue and personal jurisdiction in New York, New York.

    3. Limitation of Liability

      1. To the full extent permitted by law, under no circumstances shall we, our subsidiaries, officers, directors, owners, employees, partners, affiliates, or agents be liable to you for: (i) personal injury or any indirect, incidental, consequential, special, or exemplary damages, arising from or relating to this Agreement, the use of or inability to use an account, the Services, or our or your liabilities to third parties arising from any source; or (ii) except as required under applicable law, any indirect, incidental, consequential, special, or exemplary damages, arising from or relating to the conduct of you or anyone else in connection with the use of an account or the Services, including, but not limited to, damages arising from your failure to provide us with accurate information or a third party’s failure to correctly verify such information. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY. AS SUCH, SOME OF THIS SECTION MAY NOT APPLY TO YOU. You agree that if any lawsuit or court proceeding is permitted under this Agreement, the aggregate liability of us and our subsidiaries, officers, directors, owners, employees, partners, affiliates, agents to you for all claims arising out of or related to this Agreement or your use or inability to use the Services will not (other than as may be required by applicable law in cases involving personal injury) exceed the greater of: (i) the amount you owe on any affected order(s) giving rise to such damages; or (ii) the amount of six hundred U.S. dollars ($600.00). These limitations will apply even if the above stated remedy fails of its essential purpose.

    4. Indemnity

      1. You agree to release, indemnify, and hold harmless us, our subsidiaries, officers, directors, owners, employees, partners, affiliates, and agents from and against any liabilities, claims, losses, damages, and expenses, including without limitation reasonable legal and accounting fees, arising out of or in any way related to: (i) your access to, use of, or inability to use your account or the Services; (ii) your breach or alleged breach of this Agreement; (iii) your violation of any rights of a third party, including but not limited to any negligent or willful misconduct of your employees, contractors, or agents, or a breach of any contracts or other relationships between you and third parties; (iv) your violation of any applicable law; or (v) your failure to provide and maintain true, accurate, current, and complete information in your account. You shall cooperate as fully as reasonably required in the defense of any such claim. Pebble reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of Pebble. To avoid any doubt, this indemnification, defense and hold harmless obligation will survive these Terms and the termination of your use of the Services.

    5. Disclaimer of Warranty

      1. PEBBLE AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS MAKE NO COMMITMENTS OR WARRANTIES ABOUT (i) THE CONTENT, RELIABILITY, OR AVAILABILITY OF THE SERVICES; OR (ii) THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT ON THE WEBSITE, APP, OR SERVICES. PEBBLE AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS DISCLAIM, WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, INCLUDING ANY WARRANTY REGARDING NON- INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE. PEBBLE AND ITS SUBSIDIARIES, OFFICERS, DIRECTORS, OWNERS, EMPLOYEES, PARTNER, AFFILIATES, AND AGENTS SHALL NOT BE RESPONSIBLE FOR ANY SERVICE INTERRUPTIONS, INCLUDING, BUT NOT LIMITED TO, SYSTEM FAILURES OR OTHER INTERRUPTIONS THAT MAY AFFECT THE RECEIPT, PROCESSING, ACCEPTANCE, COMPLETION, OR SETTLEMENT OF BILL PAYMENT TRANSACTIONS OR THE SERVICES.

    6. General

      1. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used in this agreement are for convenience only and shall not be given any legal meaning. You agree that the Terms will not be construed against Pebble by virtue of having drafted them.
      2. All content, design, graphics, compilation, magnetic translation, digital conversion, and other matters to the Services are protected under applicable copyrights, trademarks, and other proprietary rights (including but not limited to intellectual property rights) and owned by Pebble or one of its affiliates. Unless expressly permitted in this Agreement, the following activities are strictly prohibited: the copying, redistribution, use, or publication by you of any part of the Services. Use of the Services does not give you ownership of any intellectual property rights in any of the content, documents, or other materials you access. The posting of information or materials on the Services does not constitute a waiver of any right in such information and materials.
      3. “Pebble” is the marketing name for certain financial services activities of Pebble as operator of the Services. “Pebble” is a trademark of Pebble. Other featured words or symbols may be the trademarks of their respective owners.
      4. If any provision of this Agreement is found to be invalid, it may be severed, and the remaining provisions will continue to be effective.
      5. We have partnered with an FDIC-insured Missouri state chartered bank, Cass Commercial Bank (“Cass”), as our bank partner to offer certain portions or features of the Services. Pebble holds a bank account with our Cass for the benefit of your use of our Services. You are entitled to provide Cass with instructions to cease making a payment on your behalf, provided such a request is in accordance with this Agreement.
      6. You and Pebble both agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services or the Terms must be filed within ONE (1) YEAR after such claim or cause of action arose or be forever barred.
      7. This Agreement is between you and Pebble. No user has any rights to force Pebble to enforce any rights it may have against you or any other user.
      8. Our general information line is (216) 208-7236. For customer support please click here. We aim to get back to all enquiries within 24 business hours.
      9. Our platform is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

Pebble E-Sign Consent Agreement


  1. Consent to Electronic Communications

    1. By using our services, you are deemed to have accepted this Agreement electronically. You have indicated that you wish to receive and sign the documents relating to your account or the Services with us electronically. We are required by law to give you certain information “in writing” - which means that you are entitled to receive it on paper. We need your consent to provide you with this information electronically, instead. We also need your general consent to use electronic records and signatures in our relationship with you.
      In this Consent, the words “we,” “us,” and “our” means Pebble. The words “you” and “your” means the person giving consent. “Communications” means all records, disclosures, and notices related to your account or the Services or other information we provide to you or that you sign, submit, or agree to at our request.
    2. Your Consent: You agree that any of the Communications we provide to you, or that you sign or agree to at our request, may be in electronic form. We may also use electronic signatures and obtain them from you on any Communication.
      All Communications that we deliver to you in electronic form will be delivered either (1) via e-mail; or (2) by your accessing a website that we will designate in an e-mail, text message, or other electronic notice we send to you at the time the information is available. We will establish security procedures that you will have to follow to access the website.
      We may always, in our sole discretion, provide you with any Communications on paper, even if you have authorized electronic delivery. Sometimes the law, or our agreement with you, requires you to give us a written notice. You must still provide these notices to us on paper, unless we tell you how to deliver the notice to us electronically.
    3. How to Withdraw Consent: You can withdraw your consent to receive Communications electronically at any time by contacting us at legal.us@hipebble.com. with “Revoke Electronic Consent” in the subject line. A withdrawal of your consent to receive electronic Communications will be effective only after we have had a reasonable period of time to process your withdrawal. If you fail to provide or if you withdraw your consent to receive Communications electronically, Pebble reserves the right to restrict, deactivate, or close your account.
    4. How to Update your Contact Information: It is your responsibility to provide us with an accurate and complete e-mail address and other contact information, and to maintain and update promptly any changes in this information. You can update your contact information at any time in your account portal or by contacting our customer hero team by clicking here.
    5. Hardware and Software Requirements: To receive electronic Communications, you must have access to:
      • A Current Version (defined below) of Internet Explorer, Edge, Chrome, Safari, or Firefox;
      • A connection to the internet;
      • A Current Version of a program that accurately reads and displays PDF files; and
      • A device (e.g., a computer, tablet, cell phone, etc.) and an operating system capable of supporting all of the above. You will also need a printer if you wish to print out and retain records on paper, and electronic storage if you wish to retain records in electronic form.
    6. You must also have an active email address and an active cell number for text messaging.
      By “Current Version,” we mean a version of the software that is currently being supported by its publisher. We reserve the right to discontinue support of a Current Version of software if, in our sole opinion, it suffers from a security flaw or other flaw that makes it unsuitable for use with our services.
      If our hardware or software requirements change, and that change would create a material risk that you would not be able to access or retain electronic Communications, we will give you notice of the revised hardware or software requirements. Continuing to use this service after receiving notice of the change is reaffirmation of your consent.
    7. Requesting Paper Copies: We will not send you a paper copy of electronic Communications unless you request it, or we otherwise deem it appropriate to do so. You can obtain a paper copy of any Communication we provide to you electronically by printing it yourself or by requesting that we mail you a paper copy. Requests for paper copies must be made within a reasonable time after we first provided the electronic Communication to you. To request a paper copy, contact us at legal.us@hipebble.com. There is no charge associated with requesting a paper copy of a Communication we sent you electronically.
    8. Retain Copies: We encourage you to print or download for your records a copy of all electronic Communications, as well as this consent disclosure and any other document that is important to you.
    9. Termination/Changes: We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.
    10. By clicking to accept this Agreement, you are consenting to receive Communications electronically. You are also confirming that you have the hardware and software described above, that you are able to receive and review electronic records, and that you have an active email account and/or a cellphone number for SMS messaging and the ability to access and view PDF files. You are also confirming that you are authorized to, and do, consent on behalf of all your co-applicants and/or co-owners of any product or service we provide to you.

  2. Short Message Service (“SMS”) Communications

    1. If you choose to open an account, Pebble may send you SMS messages. You agree to receive SMS messages to each telephone number provided by you to Pebble, regardless of whether such telephone number is on a corporate, state, or federal do-not-call registry. You certify, represent, and warrant that the telephone number that you have provided to us is your number and not someone else's. You represent that you are permitted to receive SMS messages at the telephone number you have provided to us. You agree to notify us whenever you stop using a particular telephone number previously provided by you to Pebble.
    2. Any such SMS messages sent to you by Pebble will be to verify your phone number or to verify any upcoming or overdue payments associated with the Extended Repayment Feature. Pebble will not send you advertisements or marketing-related SMS messages. You understand that such SMS messages may be placed using an automatic telephone dialling system or may include automated SMS messages. You agree that you are responsible for any message, data rates, or fees that your telephone service provider charges in relation to SMS messages sent and received by you. Please contact your wireless carrier if you have any questions regarding those rates.
    3. By entering your cell number, you agree to receive text messages for service notifications and verification codes from Pebble. Message frequency will vary. Standard message and data rates may apply. Carriers are not liable for delayed or undelivered messages.