Uprova
Uprova TM Logo
  • Login
  • E-Sign
  • Check My Rate
  • Credit Types
    • Personal Loans
    • Payday vs Tribal Loans
    • Payday Loan Alternative
  • Why Uprova?
    • What Makes Us Different?
    • Reasons to Borrow
    • Our Mission
    • Economic Development
  • Blog
  • Contact
  • Call
Uprova
Uprova TM Logo
  • Credit Types
    • Personal Loans
    • Payday vs Tribal Loans
    • Payday Loan Alternative
  • Why Uprova?
    • What Makes Us Different?
    • Reasons to Borrow
    • Our Mission
    • Economic Development
  • Get Started
  • LOGIN
  • E-SIGN

SMS Policy

Uprova Bar

TEXT MESSAGING: When signing the text messaging agreement, you authorize Lender, our assigns, successors, or servicing agents to send SMS Statement Notifications (as defined below) to any phone numbers provided to us, our assigns, successors, or service agents in connection with this loan and any modification or renewal of this loan. As used in this text-messaging disclosure, “SMS Statement Notifications” means any SMS (text message) communications from us to you pertaining to your loan sent to the phone numbers provided in connection with this loan, including but not limited to payment information, account information, due dates, delinquent accounts, program updates, promotions, coupons, and other marketing messages.

  1. How to Unsubscribe: You may withdraw your consent to receive SMS Statement Notifications by replying with “stop” or calling us at customerservice@uprova.com. We may treat your provision of an invalid mobile phone number or the subsequent malfunction of a previously valid mobile phone number as a withdrawal of your consent to receive SMS Statement Notifications. Any withdrawal of your consent to use SMS Statement Notifications will be effective only after we have a reasonable period of time to process your withdrawal.
  2. To request additional information, contact us by telephone at (866) 362-3444.
  3. In order to access, view, and retain SMS Statement Notifications that we make available to you, you must have (i) a SMS-capable mobile phone, (ii) an active mobile phone account with a communication service provider; and (iii) sufficient storage capacity on your mobile phone.
  4. All SMS Statement Notifications in electronic format from us to you will be considered “in writing.”
  5. There is no service fee for SMS Statement Notifications, but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. Other charges may apply. Such charges may include those from your communications service provider. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account settings.
  6. Additionally, you agree that we may send any SMS Statement Notifications through your communication service provider in order to deliver them to you and that your communication services provider is acting as your agent in this capacity. You agree to provide a valid mobile phone number for these services so that we may send you certain information about your loan. Additionally, you agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost, and expenses (including reasonable attorneys’ fees) arising from your provision of a mobile phone 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 this Agreement. SMS Statement Notifications are provided for your convenience only.
  7. Receipt of each SMS Statement may be delayed or impacted by factor(s) pertaining to your communications service provider(s). We will not be liable for losses or damages arising from any disclosure of account information to third parties, non-delivery, delayed delivery, misdirected delivery or mishandling of, or inaccurate content in the SMS Statement Notifications sent by us.

We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you, any other user, or third party.

Frequently Asked Questions

What is a text message? A Text message is a short message that can be sent to and from a cellular phone. When someone says text, texting, or SMS, or if you see TXT in print, all of these are referring to text messages.

What is SMS? SMS is an acronym for Short Message Service. It is a worldwide standard for communicating textually between cellular phones.

Can everyone receive text messages? Nearly every cellular phone in use in the United States (and the world) can receive text messages. Most wireless carriers include text messaging in their standard plans.

How can I opt-in to receiving text messages? By consenting to and accepting the “Text Messaging Terms and Conditions.”

What kind of text messages will I receive? You will receive messages for any lawful purpose, including but not limited to: (1) suspected fraud or identity theft; (2) obtaining information necessary for us to service your account; (3) collecting on your account; (4) notifying you as to important issues regarding your account; (5) promotional messages.

How frequently will I receive text messages? As warranted by our transaction/relationship with you.

What does it cost for me to receive a text message? Some phone carriers do not charge their customers to receive text messages. Others include a certain number in their standard plans. You will pay any fee or charge that you may incur for incoming and outgoing messages from or to us, without reimbursement from us. The fee incurred will depend on the arrangement you have with your mobile phone provider. Please check with your wireless carrier for cost.

How can I opt-out from receiving text messages? To opt-out, you can reply with the word “STOP” or call us at (866) 362-3444.

What other ways can I receive support for text messaging? You can also receive support by sending an email to customerservice@uprova.com or calling (866) 362-3444.

Uprova TM Logo
 Check My Rate

Badges

Proud Member of the Online Lenders Association (OLA)
Education
  • Personal Loans
  • Payday vs Tribal
  • Payday Alternative
  • Glossary
  • FAQs
  • Blog
Company
  • Why Uprova?
  • Our Mission
  • About Uprova
  • Economic Development
  • Reasons
  • Contact
  • Sitemap
Legal
  • Privacy Policy
  • SMS Policy
  • Terms of Use
  • Tribal Ordinance



NOT ALL LOAN RATES AND TERMS ARE INTENDED TO MEET LONG-TERM FINANCIAL NEEDS.

This service is offered to you via the internet from the reservation of the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, regardless of where you may be situated or access this site, and does not constitute an offer or solicitation for consumer loans in a state. The Tribe does not accept applications for this service from residents of all states, and the service may or may not be available to residents of your particular state. The states from which the Tribe chooses to accept applications may change from time to time without notice. By obtaining services from this site you are submitting to the jurisdiction of the Habematolel Pomo of Upper Lake.

Uprova is a website owned and operated by Uprova Credit, LLC., a tribal lending entity wholly owned and operated by the Habematolel Pomo of Upper Lake, California. The Habematolel Pomo of Upper Lake is a sovereign nation located within the United States of America and operates on the Tribe's reservation. Applications approved by 4:30 PM EST Monday through Friday are typically funded the next business day. Uprova Credit, LLC may perform a credit check or otherwise verify the personal and financial information submitted on your application. First-time Uprova Credit, LLC customers may qualify for a loan of $300 up to $5,000. Complete disclosures of APR, fees, and payment terms are set forth in the loan agreement which you should read before you sign and obtain funds. Your loan may be repaid at any time without penalty.

Uprova subprime loans are designed to help you meet short-term borrowing needs, such as for car repair, medical care for you or your family, or travel expenses in connection with your job. These loans are an expensive form of credit and are not intended to provide a solution for long-term credit or other financial needs. Alternative forms of credit such as a credit card advance, personal loan, home equity line of credit, and borrowing from a friend or relative may be a less expensive and more suitable source of funding. *Funds are usually deposited into your account within 30 mins depending on your bank. Restrictions: Not all who apply will qualify. Pre-qualification does not guarantee funding. You will not be eligible for funding, if, for example, the Tribe does not allow access to its jurisdiction from the market in which you reside, your application is missing required information, is inaccurate, or cannot be verified; or underwriting standards are not met.

Representative examples of APRs, Total Loan Costs and Fees for personal loans, which are offered to qualified customers, are as follows: APRs can range from 34.5% – 35.99%. Terms can range from 9 months – 36 months. See our Terms of Use and Privacy Policy for more information. Personal loan examples: 1) Loan amount: $2,500.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-Weekly Payment: $51.58, Total Loan Cost: $4,023.53| 2) Loan amount: $5,000.00, Fee: 0%, APR: 34.5%, Term: 36 months, Bi-weekly Payment: $103.16, Total Loan Cost: $8,047.07. Short term loans at higher APRs are available for other customers.

© 2023 Uprova Credit, LLC. All Rights Reserved.