DRAFT — for legal review. Not in effect. The whole document must be reviewed by counsel before publication.
EZbudget Communications and Email Consent Policy
Effective date: October 16, 2026 Website: https://ezbudget.setitsolutions.com
This policy describes the messages STEL Group LLC ("we") sends from EZbudget, the consent we rely on, and how you control them. It supplements our Privacy Policy and Terms of Service.
1. Types of messages
| Type | Examples | Basis | Can I turn it off? |
|---|---|---|---|
| Account and security | Email verification, password reset, MFA codes, new-device sign-in, policy changes | Needed to operate and secure your account | No, while you have an account |
| Billing | Receipts, trial-ending reminders, failed payments, renewal notices | Needed for your subscription; some required by law | No, while you have a paid plan or trial |
| Purchase alerts and digests | "A $42.10 purchase at Example Store posted to your card ending 1234," daily or weekly summaries, "reconnect your bank" notices | You create and control alert rules | Yes, per rule or all at once in Settings → Alerts |
| Product updates (optional) | New features, tips | Your opt-in | Yes, anytime |
| Marketing / waitlist (optional) | Launch announcements, offers, newsletters | Your express opt-in (unchecked box at sign-up or waitlist) | Yes, one-click unsubscribe |
| SMS | MFA verification codes only | You enroll your phone number for MFA | Remove the phone factor in Settings → Security |
We do not send marketing text messages. [If marketing SMS is ever added, it requires separate prior express written consent under the TCPA and a STOP/HELP flow.]
2. How we collect and record consent
- Marketing consent is never pre-checked and is never a condition of using EZbudget.
- For waitlist sign-ups we use double opt-in: a confirmation email must be clicked before you are added.
- We record the date and time, the source (page or form), your IP address, and the consent wording shown. We keep this record while the consent is active and for 3 years after withdrawal, as evidence.
- Purchase alerts are configured by you in the app; creating an alert rule is your request to receive those emails.
3. Commitments in every marketing email (CAN-SPAM)
- Accurate "From," "Reply-To," and routing information, sent from an EZbudget-identified address at
ezbudget.setitsolutions.com(or a mail subdomain of it) - Subject lines that reflect the content
- Clear identification as an advertisement where applicable
- Our postal address: 336 E University Pkwy #1113, Orem, UT 84058
- A working one-click unsubscribe link (and
List-Unsubscribeheader), processed promptly and in any case within 10 business days - No sale or transfer of your email address
Purchase alerts and digests are transactional or relationship messages. They still include a link to manage alert settings, and they never contain advertising beyond incidental EZbudget branding.
4. Email content and security
- Alert emails show only what's needed: merchant, amount, date, and the last 4 digits of the account. They never include full account numbers or balances beyond what you choose.
- We will never ask for your password, MFA codes, or bank credentials by email.
- Emails are sent through a third-party transactional email provider. We authenticate our domain with SPF, DKIM, and DMARC.
5. Delivery limits
Alerts depend on your financial institution, our data-connection providers (Plaid, and Stripe Financial Connections where used; see the Plaid End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy), and email delivery. They may be delayed or missed. If your address hard-bounces, we pause alerts and ask you to update it.
6. Withdrawing consent
- Unsubscribe from any marketing email using its link.
- Change preferences in Settings → Notifications.
- Email support@setitsolutions.com.
Withdrawing marketing consent doesn't affect account, security, billing, or alert messages you've set up.
7. Contact
STEL Group LLC · 336 E University Pkwy #1113, Orem, UT 84058 · support@setitsolutions.com