Text Messaging Terms and Conditions

Text Messaging Service Agreement
Términos y Condiciones

This is a communication from a debt collector. This is an attempt to collect
a debt and any information obtained will be used for that purpose.
For residents of Hawaii and Vermont, this is an attempt to collect a claim
and any information obtained will be used for that purpose.
OPTIONAL PROVISION:JPRecovery , is a licensed collection agency. For purposes of this
agreement and text message communications we will always refer to our company as JPRecovery .
By subscribing to JPRecovery ‘s Text Message Service you agree to the following Terms and
Conditions:
Mobile Phone Ownership and Mobile Number: When you subscribe to JPRecovery ’s text message service
you are confirming the mobile phone number you use to subscribe is the mobile number associated with your
mobile phone. You and no other person will use this mobile phone to communicate with JPRecovery
about your account(s). Throughout this agreement the word “you” includes the person associated with the
mobile phone and mobile number you use to subscribe to this text message service.
Agreement: This Terms and Conditions document is an agreement between you and JPRecovery which
explains some of your important rights under the law, how the text message service works, how text fees and
data rates may apply, how you may access information, when we may initiate text messages to the mobile
phone number you used to subscribe, your agreement to receive text messages and other important features
associated with the text message service. To agree to these Terms and Conditions text YES to [Company Name]’s
short code _________ (Insert alpha numeric characters).
If you delete your text messaging history from your mobile phone you may lose information about this text
message service. To retrieve the Terms and Conditions you can go to https://jprecovery.com/.

JPRecovery
Template – Key Words and Agency Initiated Text Messages – Third Party Debt Collection
Revision date: 10-03-2019
© Copyright 2018-2019 Ontario Systems, LLC. All rights reserved.
Voluntary Participation: JPRecovery is a third-party debt collector and offers this text message service to
you in connection with the collection of debt. This is a voluntary service you may start or stop at any time.
Purpose: The purpose of this text message service is to allow you to obtain information about your account(s)
associated with this mobile phone number by texting key words to JPRecovery. The key words and their
definitions appear below. The purpose is also to allow JPRecovery to send certain kinds of text messages
to you using the mobile phone number you use to subscribe.
Accounts Subscribed: This text message service allows you and this JPRecovery to communicate about
any accounts associated with the mobile phone number you use to subscribe and placed with us for collection
now or in the future (Accounts Subscribed). Accounts Subscribed placed with us for collection by more than one
business may be excluded from this text message service and Accounts Subscribed placed with us that are
closed, inactive, subject to a cease communication or otherwise prohibited from collection activity will be
excluded from this text message service.
Consent: By subscribing to this text message service, you consent to participate in [Company Name]’s text
message service and understand and agree:
 JPRecovery may send limited types of text messages to you about Account(s) Subscribed to this
service as described below in Company Initiated Text Message Service;
 You may obtain information about your Account(s) Subscribed by texting key words to JPRecovery;
 When you text a Key Word to a short code you consent to receive an immediate, automated text
message response to be sent to you from JPRecovery’s automated, text message service
regardless of the time of day, day of week or frequency of the communications; and
 Text messages sent to you by JPRecovery may appear on the face of your mobile phone or device
and you will manage the settings associated with how text messages are displayed on your phone or
device to protect your confidential information.
Text Message Service Termination Process: JPRecovery and its agents do not have the ability to
unsubscribe you from this text message service without your participation. To terminate participation or
unsubscribe from JPRecovery’s text message service, you need to text the word ALTO, STOP, STOP!,
STOPNOW, STOPALL, END, QUIT, QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT,
PARA, PARAR, PARE, or ARRET to JPRecovery’s text number. Unsubscribing from JPRecovery ‘s text
message service will not revoke or cancel other types of permissions you have granted JPRecovery using
the mobile number you use to subscribe to this text message service.
By enrolling in this text message service, you consent that following such a request to unsubscribe, you will
receive a one-time text message from JPRecovery confirming your removal from JPRecovery’s text
message service. Following such confirmation message, no additional text messages will be sent unless you
voluntarily subscribe again to this text message service.
If you deactivate the mobile number you used to subscribe to JPRecovery’s text message service,
 JPRecovery will unsubscribe you from its text message service and send you a one-time text message

 JPRecovery
Template – Key Words and Agency Initiated Text Messages – Third Party Debt Collection
Revision date: 10-03-2019
© Copyright 2018-2019 Ontario Systems, LLC. All rights reserved.
confirming your removal from JPRecovery’s text message service. Following such confirmation message,
no additional text messages will be sent unless you voluntarily subscribe again to this text message service.
Translation of Abbreviations: JPRecovery’s text message service uses abbreviations when communicating
with you. Please refer to this abbreviation translation list or contact JPRecovery if you have questions or
need assistance.
# – means the consumer’s mobile phone number
2 – is an abbreviation for the word “to”
4 – is an abbreviation for the word “for”
Acct – means the account(s) associated with the mobile phone number and phone you used to subscribe and
which you alone, own, use or have access
Accts – means the account(s) associated with the mobile phone number and phone you used to subscribe and
which you alone, own, use or have access
Addl – means more
Comm – means communicate or communication
Comms – means communications
Info – means information
Msg or Msgs – means message or messages
Msging – means messaging
Msg&DataRatesMayApply – means message and data rates may apply
Multpl – means multiple
Pls – means please
Pmt – means payment
Rcpt – means receipt
Rcvd – means received
Rcving – means receiving
Req – means request
Txt means text
Consumer Initiated Key Word Text Message Service: To manage your use of this text message service or to
request information about your account(s) you may use the following Key Words. Simply text the Key Word to
our JPRecovery’s text number _________ (Insert alpha numeric characters) and JPRecovery will
respond.

JPRecovery
Template – Key Words and Agency Initiated Text Messages – Third Party Debt Collection
Revision date: 10-03-2019
© Copyright 2018-2019 Ontario Systems, LLC. All rights reserved.
REMEMBER EACH TEXT RESPONSE FROM [COMPANY NAME] IS A COMMUNICATION FROM A DEBT
COLLECTOR AND ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE.
Key Words:
 Text ACCTINFO to receive the phone number of our customer service representative who can provide
you with information about your Account(s) Subscribed or URL for information about Subscribed
Accounts.
 Text BALANCE to receive the total balance due including any interest amounts or fees due and payable
on all active, Accounts Subscribed. This amount will not include amounts pertaining to inactive
accounts, accounts not associated with the mobile number you use to subscribe or accounts subject to a
cease and desist.
 Text CALLME for an agent to call you at the mobile phone number you use to subscribe to this text
message service. This function will not be available when all of your accounts with this agency are
subject to a cease and desist either requested by you or by operation of law.
 Text CONCERN to inform JPRecovery you would like a customer service representative to call you
at this mobile number about a question or to discuss an issue you may have about your account(s).
 Text CONSENT or INFO to indicate your consent for JPRecovery to send text messages to the
mobile phone number you use to subscribe and provide you with the Terms and Conditions regarding
this text message service. You will also be prompted to text YES to confirm your agreement with these
Terms and Conditions and complete the opt in process.
 Text HELP to receive the phone number of our customer service representative who can provide you
with further information about your Account(s) Subscribed or URL to [Company Name]’s website.
 Text KEYWORDS to request a list of Key Words.  
 Text PAY to make a payment using JPRecovery’s payment website and/or company’s automated
telephone payment system.
 Text REMINDER to receive the date your next payment is due and the amount of the next payment for
all Accounts Subscribed; a response indicating you do not currently have a payment due; or a response
informing you a payment(s) is past due.
 Text  STOP, ALTO, STOP., STOP!, STOPNOW, STOPALL, STOP ALL, END, ENDALL, END ALL, QUIT,
QUITNOW, CANCEL, CANCELAR, NOMO, UNSUBSCRIBE, REMOVE, OPTOUT, PARA, PARAR, PARE or
ARRET to unsubscribe from JPRecovery’s text message service. By texting any one of these key
words you consent and agree to receive a one-time text message from [Company Name] confirming you
have been unsubscribed from this text message service.
 Text TERMS to request a link to the Terms and Conditions. 
 Text YES to confirm your agreement with these Terms and Conditions and complete the opt in process.

JPRecovery
Template – Key Words and Agency Initiated Text Messages – Third Party Debt Collection
Revision date: 10-03-2019
© Copyright 2018-2019 Ontario Systems, LLC. All rights reserved.
JPRecovery Initiated Text Message Service: JPRecovery may at times decide to initiate text
messages to the mobile phone number you use to subscribe to its text message service.
 Call Agency – JPRecovery may send you a text message to request you contact them.
 Electronic Payment Reminder – JPRecovery may send you a text message reminder to notify you
of the amount and the date when your authorized electronic payment will be processed.
 Failed Payment Notification – JPRecovery may send you a text message if your payment did not
process due to insufficient funds in the account or another problem which prevented the processing of
the payment.   
 New Account Notification – JPRecovery may send you a text message to notify you when an
additional account associated with the mobile phone number you use to subscribe to JPRecovery’s text message service was placed with our agency for collection.
 Past Due – JPRecovery may send you a text message reminder to notify you a scheduled payment
was missed and invite you to make a payment. 
 Payment Receipt – JPRecovery may send you a text message to confirm the receipt of your
payment.
 Prior Express Consent to Text – There are times when JPRecovery may have obtained your prior
express consent to communicate with you by text message. This consent may have come to us from the
creditor to which you allegedly owe the Accounts Subscribed, from your interactions with our
automated response systems, our consumer portal or from a live interaction with one of our customer
service representatives. In these situations, we want to give you the opportunity to review and agree to
our Terms and Conditions and voluntarily confirm your participation in our text message service.
 Reminder of Payment Due Date – JPRecovery may send you a text message to remind you when
your payment is due.
 Automated Response to Unknown Consumer Action: There may be instances when JPRecovery is
unable to interpret or respond to your key word request. These instances include but are not limited to:
o Submission of Unrecognized Text – JPRecovery may ask you to call a customer service
representative if we have questions associated with your text request(s). Examples of this may
include but are not limited to: Notice of bankruptcy filing; Request to cease and desist; Notice of
attorney representation; Complaints and disputes; Misspelled terms or words; Terms or words
not defined by this agreement
o Already Opted In – JPRecovery will text you if the mobile number is already subscribed to
the text message service.
o Ported Mobile Phone Number – JPRecoverymay ask you to re-subscribe to this text
message service if you change carriers but keep the mobile number you used to subscribe to
 JPRecovery’s text message service.

JPRecovery
Template – Key Words and Agency Initiated Text Messages – Third Party Debt Collection
Revision date: 10-03-2019
© Copyright 2018-2019 Ontario Systems, LLC. All rights reserved.