SMS Policy

Effective Date: September 15, 2025

It is Napier Financial, LLC’s policy to respect your privacy regarding any information we may collect while we message with you.

We may use your personal information to contact you with newsletters, marketing or promotional materials and other information that may be of interest to you. You may opt-out of receiving any, or all, of these communications from us by following the unsubscribe link or instructions provided in any email or text message we send or by contacting us.

We may also use email and/or SMS marketing service providers to manage and send emails and text messages to you. Any SMS messages will be used only to communicate directly with active clients, and you will only receive SMS communications from us after providing your explicit consent. We will maintain records of your consent and any opt-out requests in accordance with legal requirements. Any personal data collected through SMS communications will be used exclusively for the purposes described above or as specified at the time you opt in.

NAPIER FINANCIAL, LLC’s TEXT MESSAGING TERMS OF USE

By “Opting In” to or using a “Text Message Service” (as defined below) from Napier Financial, LLC, communicated verbally, or in writing, text, or email, you accept these Terms & Conditions.

This agreement is between you and Napier Financial, LLC, or one of its affiliates. All references to “Napier Financial” “we,” “our,” or “us” refer to Napier Financial, LLC.

DEFINITIONS

“Opting In,” “Opt In,” and “Opt-In” refer to requesting, joining, agreeing to, enrolling in, signing up for, acknowledging, responding to, or otherwise consenting to receive one or more text messages.

“Text Message Service” includes any arrangement or situation in which we send one or more messages addressed to your mobile phone number, including text messages (such as SMS, MMS, or successor protocols or technologies).

CONSENTING TO TEXT MESSAGING

By consenting to receive text messages from us, you agreed to these Text Messaging Terms and Conditions as well as our Privacy Policy.

E-SIGN DISCLOSURE

By agreeing to receive text messages, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by replying STOP.

NAPIER FINANCIAL, LLC TEXT MESSAGE SERVICE PRIVACY POLICY

We respect your privacy. We only use information you provide through this service to transmit your mobile messages and respond to you. This includes, but isn’t limited to, sharing information with platform providers, phone companies, and other vendors who assist us in the delivery of mobile messages. Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Nonetheless, we reserve the right always to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. This Text Message Service Privacy Policy applies to your use of the Text Message Service and isn’t intended to modify our general Privacy Policy, incorporated by reference above, which may govern the relationship between you and us in other contexts.

OPTING IN TO SMS UPDATES

By Opting In, which may be communicated verbally, or in writing, text, or email, you consent to receive personalized conversational messages, informational messages, and support from Napier Financial.

COSTS OF TEXT MESSAGES

We do not charge you for the messages you send and receive via this text message service. But message and data rates may apply, so depending on your plan with your wireless or other applicable provider, you may be charged by your carrier or other applicable provider.

FREQUENCY OF TEXT MESSAGES

This Text Messaging Service is for conversational person-to-person communication between you and our employees. We may send you an initial message providing details about the service. After that, the number of text messages you receive will vary, depending on how you use our services and whether you take steps to generate more text messages from us (such as by sending a HELP request).

TYPES OF TEXT MESSAGES

This Text Messaging Service is for conversational person-to-person communication between you and our employees. We may send you direct personalized conversational messages, informational messages, and support. 

If you no longer want to receive text messages, you may replay to any text message with STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE. As a person-to-person communication service, opt-out requests are specific to each conversation between you and one of our employees and their associated phone number. After unsubscribing, we may send you confirmation of your opt-out via text message.

HELP

For support, reply HELP to any message or contact us at: 781-884-2356.

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