SMS Terms & Conditions

Last updated: February 26, 2026

1. Overview

IHOP Advance LLC ("IHOP Advance," "we," "us," or "our") offers an SMS/text messaging program to provide you with information about our business funding services, appointment confirmations, consultation reminders, service updates, and promotional offers. By opting in to our SMS program, you agree to these SMS Terms & Conditions.

2. Opt-In & Consent

By submitting an inquiry through our website at ihopadvance.com and checking the applicable consent checkbox(es), you expressly consent to receive text messages from IHOP Advance at the phone number you provided. You may opt in to one or both of the following message categories:

  • Marketing Messages: Promotional texts about funding offers, special deals, and general business information.
  • Non-Marketing / Transactional Messages: Appointment confirmations, consultation reminders, application status updates, and service-related notifications.

Consent is not a condition of purchase, service, or any business transaction with IHOP Advance. You are not required to opt in to SMS messaging in order to receive our funding services.

3. Message Frequency

Message frequency may vary depending on your interactions with us. You may receive recurring messages. We will not send more messages than reasonably necessary to service your inquiry or account.

4. Message & Data Rates

Standard message and data rates may apply depending on your mobile carrier and plan. IHOP Advance is not responsible for any charges incurred from your carrier for receiving text messages.

5. Opt-Out Instructions

You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message and no further messages will be sent unless you re-opt in.

You may also opt out by contacting us directly at info@ihopadvance.com or by calling (929) 828-6380.

6. Help

For assistance, reply HELP to any message you receive from us, email us at info@ihopadvance.com, or call (929) 828-6380.

7. No Sharing of Data with Third Parties

We will not share, sell, rent, or disclose your phone number, SMS consent status, or opt-in data to any third parties or affiliates for their own marketing purposes. Your information is used solely by IHOP Advance to deliver the messages you have consented to receive and to service your account.

8. Supported Carriers

Our SMS program is supported by major U.S. mobile carriers including but not limited to AT&T, T-Mobile, Verizon, Sprint, U.S. Cellular, and others. Carriers are not liable for delayed or undelivered messages.

9. Privacy

Your privacy is important to us. Information collected through our SMS program is subject to our Privacy Policy. We collect and store your phone number, opt-in consent status, and opt-in/opt-out timestamps solely for the purpose of delivering text messages and maintaining compliance records.

10. Changes to These SMS Terms

We reserve the right to modify these SMS Terms & Conditions at any time. Changes will be posted on this page with an updated "Last updated" date. Your continued participation in our SMS program after any changes constitutes your acceptance of the revised terms.

11. Contact Us

If you have any questions about these SMS Terms & Conditions, you can contact us: