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SMS Privacy Policy

Last Updated: February 2026

1. Introduction

This SMS Privacy Policy describes how Todays Pension ("Todays Pension," "we," "us," or "our") collects, uses, discloses, and protects your personal information in connection with our SMS and MMS messaging program. This policy supplements our general Privacy Policy.

2. Information We Collect

When you opt in to our SMS messaging program, we collect the following information:

Information you provide directly:

  • Your mobile phone number
  • Your consent to receive SMS messages, including the date, time, and method of consent
  • Your opt-in and opt-out requests
  • Any messages you send to our messaging number (e.g., HELP, STOP, or other replies)

Information generated through the program:

  • Message delivery status and timestamps
  • Message type and category (e.g., security, transactional)
  • Opt-in and opt-out history

We do not collect your precise geographic location, device identifiers, browsing history, or any information beyond what is necessary to operate the SMS messaging program.

3. How We Use Your Information

We use the information collected through our SMS program for the following purposes:

  • Delivering messages: Sending the security verifications, account notifications, and transactional alerts you have consented to receive.
  • Authentication and security: Sending multi-factor authentication codes and identity verification links to protect your account.
  • Honoring your preferences: Processing your opt-in, opt-out, and HELP requests.
  • Compliance: Maintaining records of consent and message history as required by applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA) and CTIA Messaging Principles and Best Practices.
  • Program improvement: Monitoring message delivery rates and resolving technical issues with our messaging service.
  • Fraud prevention: Detecting and preventing unauthorized or suspicious activity.

4. Information Sharing

We do not sell, rent, lease, or share your mobile phone number or any personal information collected through our SMS messaging program with third parties for their marketing or promotional purposes.

We may share your information only in the following limited circumstances:

  • Service providers: We share your phone number with our SMS messaging service provider (currently Flowroute / BCM One) solely for the purpose of delivering messages on our behalf. Our service providers are contractually obligated to protect your information and may only use it to perform services for us.
  • Legal requirements: We may disclose your information if required by law, regulation, subpoena, court order, or other legal process, or if we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
  • Business transfers: In the event of a merger, acquisition, or sale of our business, your information may be transferred as part of that transaction. We will notify you of any such change.

5. Data Security

We implement appropriate technical and organizational measures to protect the personal information collected through our SMS program, including:

  • Encryption of stored phone numbers and message content at rest
  • Secure transmission of messages using industry-standard protocols
  • Access controls limiting who within our organization can access your phone number and messaging data
  • Regular security assessments of our messaging infrastructure

While we strive to protect your information, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security.

6. Data Retention

We retain your SMS-related information as follows:

  • Consent records: We retain records of your opt-in consent for a minimum of five (5) years, as required for regulatory compliance in the retirement plan administration industry.
  • Message logs: Delivery status records are retained for five (5) years for audit and compliance purposes. Message content (bodies) are retained for one (1) year and then archived.
  • Opt-out records: We retain opt-out records indefinitely to ensure we honor your opt-out preference.
  • Phone number: Your phone number is retained in our system for as long as you have an active account. If you opt out of SMS, we retain your opt-out status to prevent future messages.

You may request deletion of your personal data by contacting us at privacy@todayspension.com, subject to any applicable legal retention requirements.

7. Your Rights and Choices

You have the following rights regarding our SMS messaging program:

  • Opt out at any time: Reply STOP to any message to stop receiving SMS messages. See our SMS Terms & Conditions for full opt-out details.
  • Get help: Reply HELP to any message for support information.
  • Update your phone number: You may update your phone number through your account settings at any time.
  • Manage notification preferences: You may choose which categories of notifications you receive in your account settings. Note that certain security-critical messages (MFA codes, account security alerts) cannot be disabled while SMS-based MFA is active on your account.
  • Access your data: You may request a copy of the personal information we hold about you in connection with our SMS program.
  • Request deletion: You may request deletion of your data, subject to applicable legal retention requirements.

To exercise your rights, contact us at privacy@todayspension.com.

8. Children's Privacy

Our SMS messaging program is not intended for individuals under the age of 18. We do not knowingly collect personal information from minors through our SMS program. If we learn that we have inadvertently collected information from a minor, we will promptly delete it.

9. California Residents

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect and how we use it, the right to delete your personal information, the right to opt out of the sale of your personal information (we do not sell your personal information), and the right to non-discrimination for exercising your privacy rights.

To exercise your California privacy rights, contact us at privacy@todayspension.com.

10. Changes to This Policy

We may update this SMS Privacy Policy from time to time. If we make material changes, we will notify you via SMS, through your account portal, or by posting the updated policy at this URL. The "Last Updated" date at the top of this page indicates when the policy was most recently revised.

11. Contact Us

Todays Pension

Privacy inquiries: privacy@todayspension.com

General support: support@todayspension.com

Phone: (888) 352-3649

Web: https://todayspension.com (opens in a new tab)