SMS Opt-In and Consent

USURA.IO is a personal budgeting and debt management web app at usura.io, operated by CDWJ LLC. This page explains how members agree to receive text messages from USURA.IO, which messages they can choose, and how to stop them.

Text messages are optional and are only sent to members who opt in themselves. There is one way to opt in:

1. Create a USURA.IO account at usura.io and sign in.
2. Open Profile and save your mobile phone number in the Phone Number field.
3. In the Text Messages (Optional) section of the same page, check one or both boxes: Account notifications and Promotions. Both boxes are unchecked by default.
4. Click Save Text Preferences.

The two boxes are separate from each other and from everything else in the app. Neither box is part of creating an account, accepting our Terms, or buying a plan, and checking them is not a condition of purchase or of using USURA.IO.

When you save, we record which box you checked, the date and time, the mobile number it applies to, and the exact wording shown next to the box. If you later change your phone number, texts stop until you check the box again for the new number.

This is the Text Messages section members see on their Profile page after signing in, shown in its default state. The wording is identical to the live app.

Consent wording version 2026-10-07.

Account notifications (only if you check that box): reminders about upcoming bills and subscriptions you track in USURA.IO, and alerts about your account, such as a bank connection that needs to be reconnected or a problem with your plan payment.

Promotions (only if you check that box): offers on USURA.IO plans and coaching, and news about new features.

Examples:

Message frequency varies based on your bills, your account activity, and which boxes you check. Message and data rates may apply. Carriers are not liable for delayed or undelivered messages.

Reply STOP to any message to stop all texts from USURA.IO. You will receive one message confirming you are unsubscribed. You can also uncheck either box on your Profile page and click Save Text Preferences.

Reply HELP for help, or email support@usura.io.

Stopping texts does not close your account or change your plan.

Mobile information is handled as described in our Privacy Policy. We do not sell, rent, or share your mobile number or text message consent with third parties or affiliates for their marketing or promotional purposes. We use Twilio only to deliver our messages to you.