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SMS Terms & Conditions

Last Updated: February 2026

1. Program Overview

Todays Pension ("Todays Pension," "we," "us," or "our") offers an SMS and MMS messaging program to deliver account-related notifications, security verifications, and transactional alerts to users of the Todays Pension retirement plan administration platform. By opting in to our messaging program, you agree to these SMS Terms & Conditions.

2. Message Types

By enrolling in our SMS messaging program, you may receive the following types of messages:

Security & Authentication Messages

  • Multi-factor authentication (MFA) verification codes
  • Identity verification links for sensitive account actions
  • Account security alerts (password changes, new device logins, unusual activity)
  • Biometric verification prompts

Transactional & Account Notifications

  • Contribution receipt and processing confirmations
  • Rollover initiation, status updates, and completion notices
  • Enrollment confirmations and reminders
  • Beneficiary update reminders
  • Annual statement availability notices
  • Plan amendment notifications

3. Consent & Opt-In

By providing your mobile phone number and checking the SMS consent box during account enrollment, account setup, or within your account settings, you expressly consent to receive recurring automated SMS and MMS messages from Todays Pension at the mobile number you provided. Your consent to receive SMS messages is not a condition of purchasing any goods or services from us, nor is it a condition of participation in any retirement plan administered through our platform.

You may receive messages from us using an automatic telephone dialing system or prerecorded voice. Your consent applies to the specific phone number you provide at the time of opt-in.

4. Message Frequency

Message frequency varies based on your account activity and notification preferences. Security messages (MFA codes, account alerts) are sent as triggered by your actions or detected security events. Transactional notifications are sent when account events occur (e.g., contribution processed, rollover completed). You can expect to receive approximately 5 to 30 messages per month depending on your plan activity and settings. You may receive additional messages if you request one-time verification codes.

5. Opt-Out

You may opt out of receiving SMS messages from Todays Pension at any time by replying STOP to any message you receive from us. You may also text STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to our messaging number.

Upon receiving your opt-out request, we will send you a single confirmation message and will cease sending further messages to that phone number. Please allow up to 24 hours for opt-out processing.

Important: If you opt out of SMS messaging, you may not receive time-sensitive security notifications or verification codes via text. You will need to use alternative authentication methods (such as email or authenticator apps) to access your account. Opting out of SMS does not affect your account status or retirement plan participation.

You may opt back in at any time by texting START or YES to our messaging number, or by re-enabling SMS notifications in your account settings.

6. Help & Support

For help with our SMS messaging program, reply HELP to any message you receive from us, or contact us directly:

7. Message & Data Rates

Standard message and data rates from your wireless carrier may apply to messages you send to us and messages we send to you. Todays Pension does not charge any fees for SMS messages, but your mobile carrier's normal messaging rates will apply. Contact your wireless carrier for details about your messaging plan.

8. Supported Carriers

Our SMS messaging program is designed to work with all major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, Sprint, U.S. Cellular, and others. However, certain carriers may not support all message types, and service availability may be limited in some areas.

9. Carrier Liability

Wireless carriers, including but not limited to AT&T, Verizon, and T-Mobile, are not liable for delayed or undelivered messages. Delivery of messages is subject to effective transmission by your wireless carrier and is outside of our control.

10. Accuracy of Information

You agree to provide accurate and current contact information, including your mobile phone number. You are responsible for updating your phone number in your account settings if it changes. Providing a phone number that does not belong to you may result in messages being sent to an unintended recipient.

11. Security

SMS messages, including those containing verification codes and security links, are intended solely for you. Never share your verification codes, security links, or authentication prompts with anyone. Todays Pension will never ask you to provide your password, Social Security number, or full account credentials via SMS.

If you receive a suspicious message claiming to be from Todays Pension, do not click any links or reply. Contact us immediately at support@todayspension.com.

12. Modifications

We reserve the right to modify these SMS Terms & Conditions at any time. If we make material changes, we will notify you via SMS or through your account portal before the changes take effect. Your continued participation in the SMS messaging program after changes are posted constitutes acceptance of the updated terms.

13. Termination

We may suspend or terminate your participation in our SMS messaging program at any time, for any reason, including but not limited to: violations of these terms, sending abusive or threatening messages to our messaging number, or if we discontinue the SMS program.

14. Privacy

Your privacy is important to us. Please review our SMS Privacy Policy for information on how we collect, use, and protect your personal information in connection with our SMS messaging program. Our general Privacy Policy is also available.

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

15. Contact Information

Todays Pension

Email: support@todayspension.com

Phone: (888) 352-3649

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

By opting in to Todays Pension SMS messages, you acknowledge that you have read, understand, and agree to these SMS Terms & Conditions.