SAC Finance, Inc. and its affiliates ("we,” "our,” or "us”) operate a mobile messaging program (the "Program”) pursuant to these Mobile Messaging Terms and Conditions (the "Mobile Messaging Terms”). The Program and our collection and use of your personal information is also subject to our Privacy Policy and our website’s Terms of Use. By enrolling, signing up, or otherwise agreeing to participate in the Program, you accept and agree to these Mobile Messaging Terms as well as our Privacy Policy and Terms of Use.