SMS Messaging Policy

Change Refund Corp · Effective Date: July 15, 2026 · Last Updated: July 15, 2026

ⓘ Quick Reference

Program Name

Climb Wallet Notifications

Sender

Change Refund Corp (Climb)

Sending Number

(659) 210-5702

Message Frequency

Varies based on account activity

Message Cost

Msg & data rates may apply

To Opt Out

Reply STOP to any message

For Help

Reply HELP or email admin@savewithclimb.com

1 Program Description

Climb, operated by Change Refund Corp, is a digital wallet service that allows customers to digitize cash change received at participating brick-and-mortar merchants. When a cashier processes a cash transaction and digitizes the customer's change, Climb sends an SMS notification to the customer's phone number confirming the credit to their wallet.

Climb also sends one-time passcodes (OTPs) via SMS to authenticate customers when they log in to view their balance, cash out, or access their account.

This page describes our SMS messaging program, how customers opt in, what messages they receive, and how to opt out.

2 How Customers Opt In

Customers opt in to receive SMS messages from Climb at the point of sale, via the Climb cashier tablet at participating merchant locations. The opt-in flow works as follows:

The cashier enters the change amount into the Climb cashier terminal.
The customer is handed the tablet and enters their 10-digit US mobile phone number.
The customer is presented with three required disclosures, each with an expandable details section:
- Privacy Policy disclosure and checkbox
- Terms of Service disclosure and checkbox
- SMS Text Message Consent disclosure and checkbox
The customer must check all three boxes to proceed. The "Credit change" button remains disabled until all boxes are checked.
The SMS consent checkbox reads: "I consent to receive SMS messages from Climb. Msg & data rates may apply. Reply STOP to opt out."
Once the customer checks all boxes and submits, their consent is recorded in our system along with the merchant location and timestamp.

Consent is captured at the register on first enrollment. Consent status is stored in our database and checked before any marketing or promotional message is sent. One-time passcodes (OTPs) for account authentication are transactional in nature.

3 Message Types and Samples

3.1 First-Time Welcome Notification

Sent when a new customer's change is credited for the first time at a participating merchant location.

Main Street Grocery saved $1.37 in change to your Climb eWallet — free, 100% yours. Balance: $1.37 Download Climb to cash out anytime: savewithclimb.com/download Reply STOP to opt out.

3.2 Returning Customer Balance Update

Sent on subsequent change credits for existing customers.

Main Street Grocery saved $0.88 in change to your Climb card. Balance: $2.25 Open Climb: savewithclimb.com/download Reply STOP to opt out.

3.3 Promotional Credit Notification

Sent when a promotional credit (e.g., a launch bonus) is applied to the customer's account.

Climb credited $20.00 to your account. New balance: $21.37. Open Climb: savewithclimb.com/download. Reply STOP to opt out.

3.4 One-Time Passcodes (OTP)

Sent when a customer requests to log in to their Climb account to view their balance, initiate a cashout, or access their card. OTPs expire in 10 minutes.

Climb: Your verification code is 847291. Valid for 10 minutes. Do not share this code. Msg & data rates may apply. Reply STOP to opt out, HELP for help.

3.5 Consent Reminder

Sent once (7 days after the cashier first initiated contact in-person) if the customer has not yet confirmed their consent. Never sent without prior cashier-initiated outreach.

Reminder: You have a Climb balance at Main Street Grocery. Reply YES to receive balance updates, or STOP to never receive messages. Msg&Data rates may apply.

We do not send unsolicited marketing or promotional messages. All messages are transactional or account-related.

4 Message Frequency

Message frequency varies based on account activity:

Wallet notifications: One message per change credit transaction. Frequency depends on how often the customer makes cash purchases at participating merchants.
OTPs: One message per login attempt. Sent only when the customer initiates a login.

There are no recurring scheduled messages. Climb does not send weekly, monthly, or promotional SMS campaigns.

5 Opt-Out Instructions

Customers may opt out of SMS messages at any time by replying STOP to any message from Climb. After opting out:

We will immediately update the customer's consent status to opted out in our system.
No further wallet notification SMS messages will be sent.
One-time passcode messages may still be sent if the customer initiates a login, as these are required for account access security.

To re-subscribe, the customer may reply START to any previous message from our number, or re-enroll at the cashier terminal at a participating merchant location.

Customers may also opt out by emailing admin@savewithclimb.com with "SMS Opt Out" in the subject line.

6 Help and Support

For help with the SMS program, customers may:

Reply HELP to any message from Climb to receive a help response with contact information.
Email admin@savewithclimb.com.

Msg & data rates may apply. Message and data rates charged by the customer's mobile carrier may apply to messages sent and received. Climb does not charge for SMS messages directly.

7 Privacy and Data Use

Phone numbers collected for SMS are used solely to deliver wallet notifications and OTPs. We do not sell, rent, or share phone numbers with third parties for marketing purposes.

SMS messages are delivered via Twilio Inc. as our messaging provider. Twilio receives the phone number and message content necessary to deliver each message. See our full Privacy Policy for details on how we handle personal data.

Phone numbers are stored encrypted at rest using AES-256 encryption.

8 Contact Information

For questions about this SMS Messaging Policy:

Change Refund Corp
Houston, Texas
Email: admin@savewithclimb.com
Website: savewithclimb.com