Text Messaging Program (SMS) — Terms & Opt-In
Effective September 3, 2026
Lily Advance LLC ("Lily Advance," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you use our services, website, or applications (collectively, the "Services").
Lily Advance LLC ("Lily Advance", "we") operates the Lily Advance Account Alerts text messaging program for its existing merchant clients — business owners who have signed a funding agreement with us. This page is the complete terms of that program and shows exactly how a merchant consents to it. It is not a marketing program: we never send promotional texts, and we never text anyone who is not a client.
1. What the messages are
Account-servicing messages about your funding agreement only: notices that a scheduled payment returned, requests to update banking information, confirmations, and replies to messages you send us. Every message comes from Lily Advance LLC and identifies us by name.
Sample messages:
- "Hi Maria, this is Paul with Lily Advance. Your $187.50 daily debit returned from the bank — this is the 2nd debit that has returned. Please call us at 800-854-5315 so we can get the account back on track. Reply STOP to opt out."
- "Hi Maria, this is Paul with Lily Advance. Your bank reported the account as frozen and today's $187.50 debit returned. Please call 800-854-5315 so we can update your banking information. Reply STOP to opt out."
2. How you opt in
Lily Advance enrolls a merchant in this program only after the business owner has agreed to receive text messages from us at a specific mobile number. Consent is collected directly and specifically for text messaging — never pre-checked, never bundled into another agreement, and never a condition of receiving funding. A merchant who declines is simply not enrolled; funding proceeds normally.
Before any message is sent, a Lily Advance representative confirms the mobile number with the business owner on a recorded call and reads the consent disclosure, which states what the messages are, that message frequency varies, that message and data rates may apply, and that replying STOP cancels at any time. The written consent language for our agreements is under review and will be published on this page when it takes effect.
3. Message frequency and cost
Message frequency varies with your account activity — most clients receive only a few messages per month, and many receive none. Message and data rates may apply. Check with your wireless carrier for details about your plan.
4. Opting out and getting help
Reply STOP to any message to cancel. You will receive one confirmation text and nothing further unless you opt back in by replying START. Reply HELP for assistance, email support@lilyadvance.com, or call 800-854-5315. Opting out of texts does not change your funding agreement or your payment schedule.
5. Privacy — your number is never sold or shared
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing with subcontractors in support services, such as customer service, is permitted. All other use-case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Mobile numbers and opt-in data are handled as described in our Privacy Policy.
6. Carriers
Supported carriers include all major U.S. carriers. Wireless carriers are not liable for delayed or undelivered messages.
7. Contact
Lily Advance LLC
767 E Brookhaven Circle, Suite 102
Memphis, TN 38117
800-854-5315 · support@lilyadvance.com
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