Last updated: 12/2023

Pearl Financing (“[Pearl Financing]”, “we”, or “us”) operates a mobile messaging program (the “Program”)

subject to these Mobile Messaging Terms and Conditions (these “Mobile Messaging Terms”).

The Program and our collection and use of your personal information is also subject to our Privacy Policy.

By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree

to these Mobile Messaging Terms and our Privacy Policy.

1. Program Description: We may send promotional and transactional mobile messages in

various formats through the Program. Promotional messages advertise and promote our

products and services and may include [promotions, specials, other marketing offers, and

abandoned checkout reminders]. Transactional messages relate to an existing or ongoing

transaction and may include [order notifications and updates, appointment reminders, and

other transaction-related information]. Mobile messages may be sent using an automated

technology, including an autodialer, automated system, or automatic telephone dialing

system. Message frequency will vary. You agree that

we, our affiliates, and any third-party service providers may send you messages regarding

the foregoing topics or any topic and that such messages and/or calls may be made or

placed using different telephone numbers or short codes. We do not charge for mobile

messages sent through the Program but you are responsible for any message and data

rates imposed by your mobile provider, as standard data and message rates may apply for

short message service and multimedia message alerts.

2. User Opt-In: By providing your mobile phone number to us, you are voluntarily opting in to

the Program and you agree to receive recurring mobile messages from us at the mobile

phone number associated with your opt-in, even if such number is registered on any state or

federal “Do Not Call” list. You agree that any mobile phone number you provide to us is a

valid mobile phone number of which you are the owner or authorized user. If you change

your mobile phone number or are no longer the owner or authorized user of the mobile

phone number, you agree to promptly notify us at [insert email or other contact method].

Your participation in the Program is not required to make any purchase from us and your

participation in the Program is completely voluntary.

3. User Opt-Out and Support: You may opt-out of the Program at any time. If you wish to

opt-out of the Program and stop receiving mobile messages from us, or you no longer agree

to these Mobile Messaging Terms, reply STOP, QUIT, CANCEL, OPT-OUT, and/or

UNSUBSCRIBE to any mobile message from us. You may continue to receive text

messages for a short period while we process your request and you may receive a one-time

opt-out confirmation message. You understand and agree that the foregoing is the only

reasonable method of opting out. If you want to join the Program again, just sign up as you did

the first time, and we will start sending messages to you again. For support, reply HELP to any

mobile message from us.

Our mobile messaging platform may not recognize requests that modify the foregoing

commands, and you agree that we and our service providers will not be liable for failing to

honor requests that do not comply with the requirements in these Mobile Messaging Terms.

We may also change the telephone number or short code we use to operate the Program

and we will notify you of any such change. You acknowledge that any requests sent to a

telephone number or short code that has been changed may not be received by us and we

will not be responsible for failing to honor a request sent to a telephone number or short

code that has been changed.

4. Disclaimer of Warranty and Liability: The Program is offered on an “as-is” basis and may

not be available in all areas, at all times, or on all mobile providers. You agree that neither

we nor our service providers will be liable for any failed, delayed, or misdirected delivery of

any mobile message or information sent through the Program.

5. Modifications: We may modify or cancel the Program or any of its features at any time, with

or without notice. To the extent permitted by applicable law, we may also modify these

Mobile Messaging Terms at any time. Any such modification will take effect when it is posted

to our website. You agree to review these Mobile Messaging Terms periodically to ensure

that you are aware of any modifications. Your continued participation in the Program will

constitute your acceptance of those modifications.

6. Terms

By accessing this website, you are agreeing to be bound by these website Terms and Conditions of Use, applicable laws and regulations and their compliance. If you disagree with any of the stated terms and conditions, you are prohibited from using or accessing this site. The materials contained in this site are secured by relevant copyright and trademark law.

7. Use License

a. Permission is allowed to temporarily download one duplicate of the materials (data or programming) on Residential Incentives' site for individual and non-business use only. This is just a permit of license and not an exchange of title, and under this permit, you may not:

i. modify or copy the materials;

ii. use the materials for any commercial use, or for any public presentation (business or non-business);

iii. attempt to decompile or rebuild any product or material contained on this site;

iv. remove any copyright or other restrictive documentations from the materials; or

v. transfer the materials to someone else or even "mirror" the materials on other servers.

b. This permit might consequently be terminated if you disregard any of these confinements and may be ended by Residential Incentives whenever deemed. After permit termination or when your viewing permit is terminated, you must destroy any downloaded materials in your ownership whether in electronic or printed form.

8. Disclaimer

a. The materials on the Residential Incentives' site are given "as is". Residential Incentives makes no guarantees, communicated or suggested, and thus renounces and nullifies every single other warranty, including without impediment, inferred guarantees or states of merchantability, fitness for a specific reason, or non-encroachment of licensed property or other infringement of rights. Further, Residential Incentives does not warrant or make any representations concerning the precision, likely results, or unwavering quality of the utilization of the materials on its Internet site or generally identifying with such materials or on any destinations connected to this website.

9. Constraints

On no occasion should Residential Incentives or its suppliers be subject to any harms (counting, without constraint, harms for loss of information or benefit, or because of business interference,) emerging out of the utilization or powerlessness to utilize the materials on Residential Incentives' Internet webpage, regardless of the possibility that Residential Incentives or a Residential Incentives approved agent has been told orally or in written of the likelihood of such harm. Since a few purviews don't permit constraints on inferred guarantees, or impediments of obligation for weighty or coincidental harms, these confinements may not make a difference to you.

10. Amendments and Errata

The materials showing up on Residential Incentives' site could incorporate typographical, or photographic mistakes. Residential Incentives does not warrant that any of the materials on its site are exact, finished, or current. Residential Incentives may roll out improvements to the materials contained on its site whenever without notification. Residential Incentives does not, then again, make any dedication to update the materials.

11. Links

Residential Incentives has not checked on the majority of the websites or links connected to its website and is not in charge of the substance of any such connected webpage. The incorporation of any connection does not infer support by Residential Incentives of the site. Utilization of any such connected site is at the user's own risk.

12. Site Terms of Use Modifications

Residential Incentives may update these terms of utilization for its website whenever without notification. By utilizing this site you are consenting to be bound by the then current form of these Terms and Conditions of Use.

13. Governing Law

Any case identifying with Residential Incentives' site should be administered by the laws of the country of United States Residential Incentives State without respect to its contention of law provisions.

General Terms and Conditions are applicable to Use of a Web Site.

14. Contact Us

For any questions regarding this privacy policy, please contact us at

info@pearlfinances.com