Terms of Service

SparkForge LLC (“SparkForge,” “we,” “us,” or “our”) operates the CashText platform. Please read these Terms of Service (“Terms”) carefully before using our service.

1. Agreement to Terms

By accessing or using the CashText service (the “Service”), including by sending a text message to our short code or long code, clicking “Sign Up,” or otherwise creating an account, you agree to be bound by these Terms of Service. These Terms constitute a legally binding agreement between you and SparkForge LLC, a limited liability company organized under the laws of the State of Oregon.

If you do not agree to all of these Terms, you may not access or use the Service. Your continued use of the Service following any modifications to these Terms constitutes your acceptance of the modified Terms.

2. Description of Service

CashText is an SMS-based platform that delivers curated brand offers, promotions, and advertisements directly to your mobile phone via text message. Users who receive and engage with these messages earn monetary rewards that accumulate in their CashText balance.

CashText acts as an intermediary between advertisers and users. We curate and deliver promotional messages on behalf of third-party brands and advertisers. CashText does not manufacture, sell, or fulfill any products or services advertised through our platform. The offers, discounts, and promotions included in our messages are provided by third-party advertisers and are subject to their own terms and conditions.

The Service includes, but is not limited to: (a) account registration and profile management via our website; (b) delivery of promotional SMS and MMS messages to your registered mobile phone number; (c) tracking of earned rewards; and (d) processing of payout requests for accumulated balances.

3. Eligibility

To use the CashText Service, you must meet all of the following requirements:

• Age: You must be at least eighteen (18) years of age. By registering for the Service, you represent and warrant that you are at least 18 years old.
• Residency: You must be a current legal resident of the United States of America.
• Mobile Number: You must possess a valid United States mobile phone number capable of sending and receiving SMS and MMS messages. VoIP numbers, landlines, and toll-free numbers are not eligible.
• Legal Capacity: You must have the legal capacity to enter into a binding agreement with SparkForge LLC.

We reserve the right to verify your eligibility at any time and to refuse service to anyone who does not meet the above requirements.

4. Account Registration and Security

To access the Service, you must create an account through our website at cashtext.io. During registration, you will be required to provide certain information including your mobile phone number, name, email address, ZIP code, state of residence, date of birth, and gender.

Verification: Your account will be verified via a one-time password (“OTP”) sent to your registered mobile phone number. You must successfully complete OTP verification to activate your account.

One Account Per Phone Number: Each mobile phone number may only be associated with one (1) CashText account. Attempts to create multiple accounts using the same phone number, or to use multiple phone numbers to create multiple accounts for the same individual, are strictly prohibited and may result in account termination.

Interest Selection: During registration, you must select a minimum of five (5) interest categories. These categories are used to personalize the offers and promotions you receive. You may update your interest categories at any time through your account settings.

Account Security: You are responsible for maintaining the confidentiality and security of your account. You agree to immediately notify us at support@cashtext.io of any unauthorized use of your account or any other breach of security. SparkForge LLC shall not be liable for any loss or damage arising from your failure to protect your account information.

5. Rewards, Balance, and Payouts

Earning Rewards: You earn monetary rewards for each qualifying promotional message you receive through the Service. Reward amounts range from $0.25 to $1.00 per message, depending on the advertiser and campaign. The specific reward amount for each message will be disclosed to you upon delivery.

Minimum Cash-Out: You must accumulate a minimum balance of twenty dollars ($20.00) before you may request a payout. Payout requests below this threshold will not be processed.

Balance Expiration: Earned rewards expire twelve (12) months from the date they were credited to your account if no payout request has been made and no qualifying activity has occurred on your account during that period. We will make reasonable efforts to notify you before your balance expires.

Non-Transferable: Your CashText balance is personal to you and is non-transferable. You may not sell, trade, barter, or otherwise transfer your balance or any portion thereof to any other person or entity.

Payout Methods: Payouts will be processed through the payout method(s) available on the platform at the time of your request. Processing times may vary depending on the payout method selected. SparkForge LLC reserves the right to modify available payout methods at any time.

Taxes: You are solely responsible for any tax obligations arising from rewards earned through the Service. SparkForge LLC may be required to report your earnings to the Internal Revenue Service (IRS) and may request your taxpayer identification information if your annual earnings meet applicable reporting thresholds.

6. Third-Party Advertisers and Offers

CashText delivers promotional messages on behalf of third-party advertisers. You acknowledge and agree that:

• CashText Is Not the Seller: CashText is not the manufacturer, seller, or provider of any products, services, or offers promoted through our messages. Any transactions you enter into with third-party advertisers are solely between you and the advertiser.
• No Warranty on Offers: CashText makes no representations or warranties regarding the quality, safety, legality, or accuracy of any products, services, or offers promoted through our platform. We do not endorse any third-party product or service.
• Affiliate Relationships: CashText may earn commissions or fees from advertisers when you engage with promotional offers. Where required by applicable law, including Federal Trade Commission (FTC) guidelines, we will disclose any material affiliate relationships in our messages.
• Third-Party Terms: Any products, services, or offers you access through promotional messages are subject to the terms, conditions, and privacy policies of the respective third-party advertisers. It is your responsibility to review such terms before making any purchases or providing any personal information to third parties.

7. SMS Messaging Terms

Consent to Receive Messages: By creating a CashText account and completing the registration process, you provide your prior express written consent to receive recurring automated promotional and marketing SMS and MMS messages from CashText at the mobile phone number you provided during registration. This consent is not a condition of any purchase.

Message Frequency: You may receive up to a maximum of six (6) messages per week. Actual message frequency may vary and will depend on advertiser availability and your selected interest categories.

Opt-Out: You may opt out of receiving messages at any time by replying STOP to any CashText message. Upon receipt of your STOP request, we will send you a single confirmation message, and no further messages will be sent unless you re-subscribe. Opting out of messages may affect your ability to earn rewards and may impact your account status.

Help: For assistance, reply HELP to any CashText message, or contact us at support@cashtext.io.

Message and Data Rates: Message and data rates may apply to messages sent to and from your device. Please consult your wireless carrier’s pricing plan for details. CashText is not responsible for any charges imposed by your wireless carrier.

Carrier Disclaimer: Carriers (including but not limited to T-Mobile, AT&T, Verizon, and others) are not liable for delayed or undelivered messages. Message delivery is subject to effective transmission from your wireless carrier and network availability.

8. Prohibited Conduct

You agree not to engage in any of the following prohibited activities in connection with the Service:

• Using bots, scripts, automation tools, or any other automated means to interact with the Service, create accounts, or simulate message engagement.
• Engaging in fraud, deception, or manipulation to inflate your rewards balance or earn rewards to which you are not legitimately entitled.
• Creating or maintaining multiple accounts for the same individual, whether using the same or different phone numbers, email addresses, or other identifying information.
• Providing false, misleading, or inaccurate information during registration or at any time thereafter.
• Attempting to interfere with, disrupt, or compromise the integrity or security of the Service, its servers, or its infrastructure.
• Reverse engineering, decompiling, disassembling, or otherwise attempting to derive the source code of the Service.
• Using the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation.
• Reselling, redistributing, or commercially exploiting any aspect of the Service without our prior written consent.
• Impersonating any person or entity or falsely claiming an affiliation with any person or entity.

9. Intellectual Property

The CashText name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of SparkForge LLC or its affiliates. You may not use such marks without the prior written permission of SparkForge LLC.

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio, video, software, and the design, selection, and arrangement thereof, are the exclusive property of SparkForge LLC, its licensors, or other content providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.

10. Account Suspension and Termination

Termination by SparkForge: We may suspend or terminate your account and access to the Service at any time, with or without cause, and with or without notice, at our sole discretion. Grounds for termination include, but are not limited to, violations of these Terms, suspected fraudulent activity, or extended periods of inactivity.

Termination by You: You may terminate your account at any time by contacting us at support@cashtext.io or by opting out of all messages by replying STOP. Upon termination, you may request a final payout of your accrued balance, subject to the minimum cash-out requirement and these Terms.

Balance Forfeiture for Fraud: If your account is terminated due to fraud, abuse, or violation of these Terms, your entire accumulated balance shall be forfeited, and you shall have no right to any payout. SparkForge LLC reserves the right to pursue any legal remedies available for fraudulent or abusive conduct.

Effect of Termination: Upon termination, your right to use the Service will immediately cease. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to intellectual property provisions, disclaimers, limitations of liability, indemnification, and dispute resolution.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SPARKFORGE LLC DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

SPARKFORGE LLC DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT THE INFORMATION PROVIDED THROUGH THE SERVICE WILL BE ACCURATE, RELIABLE, OR COMPLETE; THAT ANY DEFECTS IN THE SERVICE WILL BE CORRECTED; OR THAT THE SERVICE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED FROM SPARKFORGE LLC OR THROUGH THE SERVICE SHALL CREATE ANY WARRANTY NOT EXPRESSLY MADE HEREIN.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SPARKFORGE LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE SERVICE.

IN NO EVENT SHALL SPARKFORGE LLC’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (a) FIFTY DOLLARS ($50.00); OR (b) THE TOTAL AMOUNT OF PAYOUTS MADE TO YOU THROUGH THE SERVICE DURING THE SIX (6) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE THEORY OF LIABILITY, WHETHER BASED ON WARRANTY, CONTRACT, STATUTE, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, AND REGARDLESS OF WHETHER SPARKFORGE LLC HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13. Indemnification

You agree to indemnify, defend, and hold harmless SparkForge LLC, its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees and costs) arising out of or in connection with: (a) your use of or access to the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including any intellectual property, property, or privacy right; (d) any claim that your actions caused damage to a third party; or (e) any fraudulent, abusive, or illegal activity on your account.

This indemnification obligation shall survive the termination of these Terms and your use of the Service.

14. Dispute Resolution and Arbitration

Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, including the determination of the scope or applicability of this agreement to arbitrate, shall be determined by binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules then in effect.

Location: The arbitration shall be conducted in the State of Oregon, unless both parties agree to a different location or to conduct the arbitration by telephone or video conference.

No Class Actions: YOU AND SPARKFORGE LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. The arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a class or representative proceeding.

30-Day Opt-Out: You have the right to opt out of binding arbitration within thirty (30) days of the date you first accepted these Terms by sending written notice of your decision to opt out to: SparkForge LLC, Attn: Arbitration Opt-Out, support@cashtext.io. Your notice must include your name, mailing address, phone number associated with your CashText account, and a clear statement that you wish to opt out of arbitration.

Small Claims Exception: Notwithstanding the foregoing, either party may bring an individual action in small claims court for disputes within the jurisdiction of such court.

15. Referral Program

CashText may offer a referral program that allows you to earn bonus rewards by referring new users to the Service. The terms and conditions of the referral program, including bonus amounts and eligibility requirements, may be modified or discontinued at any time at SparkForge LLC’s sole discretion.

Referral bonuses are subject to verification. SparkForge LLC reserves the right to withhold, revoke, or claw back referral bonuses if it determines, in its sole discretion, that the referral was fraudulent, self-referential, or otherwise violated these Terms or the spirit of the referral program. Referred users must meet all eligibility requirements and complete valid account registration before any referral bonus is credited.

16. Modifications to Service

SparkForge LLC reserves the right to modify, suspend, or discontinue the Service, or any part thereof, at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

Service Discontinuation: In the event that the Service is permanently discontinued, SparkForge LLC will provide users with at least sixty (60) days’ notice to request a payout of their accumulated balance, subject to the minimum cash-out requirement and these Terms. After the sixty-day notice period, any remaining unclaimed balances shall be forfeited.

17. Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of laws principles. To the extent that any lawsuit or court proceeding is permitted hereunder, you and SparkForge LLC agree to submit to the exclusive personal jurisdiction of the state and federal courts located in Oregon for the purpose of litigating all such disputes.

18. Severability

If any provision of these Terms is found by a court of competent jurisdiction or arbitrator to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if such modification is not possible, such provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

19. Entire Agreement

These Terms of Service, together with the Privacy Policy and TCPA Compliance Disclosures, constitute the entire agreement between you and SparkForge LLC with respect to the Service and supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written, between you and SparkForge LLC regarding the Service.

No waiver of any term or condition of these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of SparkForge LLC to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

20. Contact Information

If you have any questions, concerns, or requests regarding these Terms of Service, please contact us: