SMS Terms and Conditions


Hello, and welcome to PCP (“The Service”), owned and operated by Pacific Credit Partners (“The Company”). 

Pacific Credit Partners reserves the right to change the Terms of Use. The most current version will be accessible through SMS Terms and Conditions.

By signing up for the PCP SMS service through our website, you are agreeing to sign up for the PCP Service, these Terms of Use, and to receive messages on your mobile phone. When you sign up for the PCP service, you will receive recurring messages.



Pacific Credit Partners does not charge you to participate in the PCP Service. However, message and data rates may apply from your wireless carrier. Please consult your wireless carrier for applicable text messaging fees. Under no circumstances will Pacific Credit Partners be responsible for fees that your wireless carrier may charge you for use of The PCP service.



Pacific Credit Partners respects and protects your privacy. We do not share any information collected. To see our Privacy Policy.


Limitations on Use

You must be at least 17 years old to register for and use the PCP service. If you are under 17 years old, please obtain your parents’ permission before you sign up for the PCP service.


Supported Carriers

Mobile carriers are not liable for delayed or undelivered messages.

Participating carriers include T-Mobile®, Verizon Wireless, AT&T, Sprint, Boost, U.S. Cellular®, MetroPCS, Virgin Mobile, and Cricket.


Support Issues, Canceling or Unsubscribing

You may opt out of the PCP service at any time by texting STOPQUITENDCANCEL UNSUBSCRIBE, or STOP ALL to 32808 or 63499. Message and data rates may apply. Alternatively, you can send an email to [email protected] with your mobile phone number as the subject line. For help or other support issues, you can also send an email to [email protected] Text HELP to 32808 or 63499 from your mobile phone or call the following toll-free phone number: 888.286.3792. Messages are recurring based on account activity.


Ownership; Trademarks; Modifications to Offers

You agree that Pacific Credit Partners or its partners will own all legal right, title, and interest in and to the PCP services and any offers made through the PCP services, including any intellectual property rights. You agree that you shall not alter or modify any offers made through the PCP service, and shall not remove, obscure, or alter any proprietary rights notices (including copyright or trademark notices) which made be affixed to the PCP services or offers made through the PCP services. Except as may be expressly authorized by a partner, you agree that you will not use any Trademark, service mark, trade name, or logo (“Trademarks”) of any entity in a way that is likely to or intended to cause confusion with respect to ownership of a Trademark, or that is likely to or intended to be detrimental to the goodwill in such Trademarks.



Pacific Credit Partners reserves the right, at our sole discretion, to terminate your subscription at any time without notice or without future obligation.


Disclaimer of Warranties

Pacific Credit Partners makes no warranties, express or implied regarding the PCP service. The PCP service is provided “as is” and on an “as available” basis, and Pacific Credit Partners DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. Factors beyond the control of Pacific Credit Partners including without limitation, the speed of the mobile carrier networks and the internet may affect the performance of the PCP service. Pacific Credit Partners is not responsible for any acts that are beyond the control of Pacific Credit Partners.


Limitation of Liability

Under no circumstances will Pacific Credit Partners, its officers, directors, employees, or agents be liable to you for any damages whatsoever with respect to your use of the PCP service. Including without limitation, any direct, indirect, incidental, consequential, exemplary, or special damages even if advised of the possibility of the same. To the extent that in a particular circumstance any disclaimer or limitation on damages or liability set forth herein is prohibited by applicable law, then, instead of the provisions hereof in such particular circumstance, Pacific Credit Partners will be entitled to the maximum disclaimers and/or limitations on damages and liability available at law or in equity by such applicable law in such particular circumstance, and notwithstanding the foregoing, in no event will Pacific Credit Partners be liable for any damages or liability arising under these terms of use or your use of the PCP service that exceeds US $500.



You agree to indemnify and hold each Company party harmless from any claim or demand, and any damages, costs, or expenses arising in connection with such claim or demand, including reasonable attorneys’ fees and costs, made by any other party due to or arising out of your breach of this agreement or the documents it incorporates by reference, or your violation of any law or the right of another party.


Governing Law; Venue

This agreement and its validity, construction and performance will be governed in all respects by the laws, and in the state and federal courts of the state of California, without regard to its choice of law provisions. You irrevocably agree to accept the exclusive personal jurisdiction and waive any objections to the venue of such courts.