Text Message Policy
5 Star Car Title Loans™
Last Updated: March 2026
5 Star Loans, Inc., doing business as 5 Star Car Title Loans™ (“5 Star,” “we,” “us,” or “our”) communicates with its applicants and account holders via short message service (“SMS”) or text message. If you provide 5 Star Car Title Loans™ with your cellular telephone number and consent to receive SMS Statement Notifications and/or SMS Promotional Messages as described herein, you will receive SMS messages pursuant to the terms of this Policy (the “SMS Policy”).
Definitions
The words “us,” “our,” and “we” refer to 5 Star Car Title Loans™ and any of our agents with whom we have contracted to communicate with you, including providing assistance regarding your account(s).
The words “you” and “your” mean the applicant or the individual(s) identified on the account(s) you have with us.
“SMS Statement Notification” means any informational or transactional SMS communication from us to you related to your application or account.
“SMS Promotional Message” means any promotional, marketing, or advertising message sent to you by us via SMS or text message.
Opt-In Consent
In order to sign you up for SMS Statement Notifications, we will ask you to provide your cellular telephone number. When applicable, a confirmation message will be sent to you to verify that you are in possession of the device for the number you provided, and to inform you of applicable message and data rates and frequency for all subsequent SMS or MMS messages.
We will not send you SMS Promotional Messages unless we have your valid prior express written consent to do so, which we will collect at the time you provide us with your cellular telephone number. You are not required to agree to receive SMS Promotional Messages as a condition of making any purchase or signing up for any service.
How to Opt-Out
You may opt out of receiving text messages from us at any time by contacting legal@5starloans.com and requesting that your mobile number be removed from our messaging list. Once your request is received and processed, we will confirm the removal and you will no longer receive text messages from us.
Your Responsibility to Update Your Records
It is your responsibility to provide us with a true, accurate, and complete cellular telephone number and to promptly update any changes to this information. You can update your cellular telephone number by contacting us at legal@5starloans.com.
Hardware and Software Requirements
To receive SMS Statement Notifications, you must have:
- An SMS-capable cellular phone
- An active cellular phone account with a communication service provider that offers SMS services
- Sufficient storage capacity on your cellular phone
Communications in Writing
All SMS Statement Notifications in electronic format shall be considered a “writing” to the extent allowed by law.
Charges
There is no service fee for SMS Statement Notifications or SMS Promotional Messages. However, you are responsible for any charges imposed by your communications service provider, including fees associated with text messaging. Consult your mobile service carrier’s pricing plan to determine applicable charges. These charges will appear on your phone bill.
Indemnity
You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from your provision of a cellular telephone number that is not your own or your violation of applicable federal, state, or local law, regulation, or ordinance. Your obligation under this paragraph shall survive termination of your enrollment in the SMS Statement Notification program and your consent to receive SMS Promotional Messages.
Limitation of Liability
SMS Statement Notifications are provided for your convenience only. We will not be liable for losses or damages arising from any delay in delivery or disclosure of account information to third parties by your communication service provider.
Modifications
We may terminate our text messaging services, or modify such services from time to time, for any reason and without notice.
We reserve the right to modify this SMS Policy from time to time without notice. Please review this SMS Policy periodically so that you are notified of any changes.
Contact Information
If you have any questions about this SMS Policy, would like us to mail you a paper copy, or are having problems receiving or stopping our text messages, please contact us:
5 Star Loans, Inc., dba 5 Star Car Title Loans™
Mailing Address: 473 E. Carnegie Dr., Suite 200, San Bernardino, CA 92408
Email: legal@5starloans.com
5 Star Car Title Loans™ | 5 Star Loans, Inc.
NMLS ID: 1442517 | © 2026 5 Star Car Title Loans™. All rights reserved.
