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Borrowly SMS Opt-In & Consent

Public documentation for carrier and A2P 10DLC review. No login required.

This page documents the actual in-app SMS opt-in flow used by Borrowly, a mobile app for tracking items and money you lend. Borrowly obtains affirmative consent before any SMS is sent. Consent is not assumed at account creation alone — the user must review the disclosure and tap Send verification code on the Phone setup screen.

SMS program summary

  • Purpose: account verification and loan-related notifications and reminders.
  • Message frequency: varies.
  • Message and data rates may apply.
  • Opt out: reply STOP.
  • Help: reply HELP.
  • Consent timing: obtained on the Phone setup screen before the first verification SMS is sent.
  • Borrowly does not sell or share mobile numbers with third parties for marketing or promotional purposes.

Legal documents: Privacy Policy · Terms of Service

Step-by-step opt-in flow (mobile app)

  1. Create account. The user creates a Borrowly account with their name, email, mobile number, and password, and accepts the Terms of Service and Privacy Policy.
  2. Confirm email. The user confirms their email address before signing in.
  3. Sign in. After email confirmation, the user signs in to Borrowly.
  4. Phone setup screen. Borrowly displays the Phone setup screen (Set up your phone number).
  5. Enter mobile number. The user enters or confirms their mobile number.
  6. Review SMS disclosure (before sending). Before tapping Send verification code, the screen displays this disclosure:
    By tapping Send verification code, you agree to receive SMS messages from Borrowly for account verification and loan-related notifications and reminders. Message frequency varies. Message and data rates may apply. Reply STOP to opt out. Reply HELP for help. See our Privacy Policy and Terms of Service.
  7. Affirmative consent. The user affirmatively taps Send verification code to consent and continue with phone verification. SMS messaging does not begin until this tap.

App screenshots (evidence)

The screenshots below show the real Borrowly signup, email confirmation, and Phone setup flow. The Phone setup screenshot showing the full SMS disclosure and Send verification code button is the primary consent evidence.

Borrowly Create account screen with name, email, mobile number, password fields, Terms and Privacy acceptance checkbox, and Create Account button.
Step 1 — Create account: name, email, mobile number, password, and acceptance of Terms & Privacy.
Borrowly email confirmation prompt after signup.
Step 2 — Email confirmation: user confirms email before signing in.
Borrowly Phone setup screen showing mobile number field, full SMS consent disclosure text, and Send verification code button.
Step 3 — Phone setup (primary consent evidence): SMS disclosure appears above Send verification code. Consent is obtained when the user taps that button.
Borrowly phone verification code entry screen after SMS is sent.
Step 4 — Verification code: shown only after the user consented and tapped Send verification code.

Additional disclosures

Contact

Questions about SMS consent or this documentation: useborrowly@gmail.com