SMS Messaging Terms

Frontier Capital Partners LLC
Effective Date: October 1, 2026

These SMS Messaging Terms apply to text messages sent by Frontier Capital Partners LLC ("Frontier Capital," "we," "us," or "our"). They are part of our Terms of Use. Our Privacy Policy explains how we handle your information.

1. Frontier Capital Account Servicing

1.1 Program description

Program name: Frontier Capital Account Servicing

Frontier Capital Account Servicing sends account-servicing text messages to business customers who have a completed funding agreement with Frontier Capital and who have opted in. Messages may include:

• Reminders about upcoming scheduled payments
• Notices that a scheduled payment was returned by your bank
• Requests for documents, or for a bank connection update, needed to service your account
• Replies to questions or requests you send us by text

We do not send marketing or promotional messages through this program. We do not send text messages to applicants whose businesses have not been funded.

1.2 How to opt in

You can opt in to Frontier Capital Account Servicing in either of these ways:

1. On our online application. The application at www.frontiercapital.us/v4/apply includes an optional checkbox for account-servicing text messages. The box is unchecked by default. If you check it and provide a mobile number, messages begin only if your business later has a completed funding agreement with us.
2. By texting us. If you are a business customer, you can text our servicing number. Texting START opts you in to account-servicing messages; we reply with a confirmation. If you text us a question, we will reply to it by text.

Consent is not a condition of obtaining funding or any other service. You can apply for and receive funding without opting in to text messages.

1.3 Message frequency

Message frequency varies (typically up to 8 messages per month). The number of messages depends on your payment schedule, your account activity, and how often you text us.

1.4 Cost

Message and data rates may apply. Check your mobile plan for details. Frontier Capital does not charge for text messages.

1.5 How to opt out

Reply STOP to cancel. You can reply STOP to any message at any time. You can also reply END, CANCEL, UNSUBSCRIBE, QUIT, or STOPALL.

After you reply STOP, you will receive one confirmation message, and then we will send no further text messages to that number under this program. If you want to receive messages again, reply START.

Opting out of text messages does not change your funding agreement or your payment schedule. We will continue to contact you about your account by email or other methods allowed by your agreement.

1.6 How to get help

Reply HELP for help. You will receive a message with our contact information. You can also email us at info@frontiercapitalpartners.us.

2. Login Verification Codes

Users of our online platforms may choose to receive sign-in verification codes by text message.

• What we send: a one-time passcode, sent only when you request one to sign in. We do not send any other messages to that number for this purpose.
• Frequency: one message per sign-in request. Message frequency varies with how often you sign in.
• Cost: Message and data rates may apply.
• Opt out: Reply STOP to cancel. If you opt out, you will need to use another sign-in method, such as email.
• Help: Reply HELP for help, or email info@frontiercapitalpartners.us.
• Consent to receive verification codes by text is not a condition of obtaining funding or any other service.

3. Terms That Apply to All Text Messages

3.1 Eligibility

You must be at least 18 years old and the account holder of the mobile number you provide, or authorized by the account holder to receive messages at that number. Text messages are sent to businesses and their authorized representatives, not to consumers for personal, family, or household purposes.

3.2 Changing or reassigning your number

If you change or give up your mobile number, please reply STOP from the old number or email info@frontiercapitalpartners.us so that we stop sending messages to it.

3.3 Carriers

Text messages are supported by most major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages. Delivery depends on your carrier and device and is not guaranteed. Frontier Capital is not responsible for delays or failures caused by your carrier or device.

3.4 Privacy

Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Text messaging originator opt-in data and consent will not be shared with any third parties. See our Privacy Policy for details.

3.5 Changes to these terms

We may update these SMS Messaging Terms from time to time. We will post the updated version on this page with a new "Last Updated" date. If we make a material change to the type of messages we send, we will ask for your consent again before sending that new type of message.

3.6 Contact

Frontier Capital Partners LLC
2665 S Bayshore Drive, Suite 445
Miami, FL 33133
Email: info@frontiercapitalpartners.us