Communication Policy

Last Revised: August 15, 2023

By consenting to this Communication Policy in accordance with TCPA, and agreeing to telephone contact and messaging notifications for telemarketing purposes, you agree that Plannery, our assigns, successors or servicing agents may use SMS notifications, calls using artificial or prerecorded voice messages and automatic dialing technology, for all purposes not prohibited by applicable law, for any number, or electronic or physical address (including email), that you have provided for account servicing, operational, and transactional purposes. This includes authorizing Plannery and/or its affiliates to contact you regarding the advertising or telemarketing of our products and services. If you separately and voluntarily provide your express written consent, Plannery and/or its affiliates may also contact you for advertising or telemarketing purposes. Such consent for telemarketing is not required as a condition of obtaining any product or service from Plannery.

You certify, warrant and represent that the telephone numbers that you have provided to us are your contact numbers. Your consent, if provided, will be effective even if the number you have provided is registered on any state or federal Do-Not-Call (DNC) list. Where you have provided separate express written consent for telemarketing, that consent may permit Plannery to contact you even if your number appears on a state or federal Do-Not-Call (DNC) registry. You may revoke your consent at any time. Your consent to telemarketing calls and texts may be revoked by following any of the unsubscribe methods described below, or by any other method that ensures we receive the revocation. You understand that consent is not a condition of purchase or required to obtain a financial product or service.

PLANNERY AND OUR AGENTS, REPRESENTATIVES, AFFILIATES AND ANYONE CALLING ON OUR BEHALF MAY USE SUCH MEANS OF COMMUNICATION DESCRIBEDIN THIS SECTION EVEN IF YOU WILL INCUR COSTS TO RECEIVE SUCH PHONE MESSAGES,TEXT MESSAGES, E-MAILS OR OTHER MEANS.

By continuing a call after being informed that it maybe recorded, you consent to such recording. If you are located in a state that requires the consent of all parties to a telephone conversation prior to recording (including but not limited to California, Florida, Illinois, Maryland, Massachusetts, Nevada, New Hampshire, Oregon, Pennsylvania, and Washington), your participation in the call following notification of recording constitutes your consent to be recorded as required under applicable state law.

How to Unsubscribe: You may revoke your consent toreceive calls and SMS/text messages to your mobile device, by calling us at 844-346-6038 or by emailing support@planneryapp.com. You may withdraw your consent to receive SMS Account Notifications by replying with STOP, END, CANCEL, UNSUBSCRIBE, or QUIT or by calling us at 844-346-6038. 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 toreceive SMS Account Notifications or calls.

To request additional information; contact us by telephone at 844-346-6038

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The credit score shown is your Equifax VantageScore® 3.0, provided solely by Equifax. It is not a score from any other credit bureau and may differ from scores used by lenders. Any projected score changes or recommendations are based on Equifax modeling. Actual results may vary, as your credit score is influenced by many factors that can change over time. This feature is intended to serve as a guidance tool only, not a guarantee or final determination of your credit standing.

Savings estimate based on analysis of closed Plannery loans originated via the Nursegrid app. We compared the APR, term, and payment of customers’ existing debt (from credit bureau and lender data) to their new Plannery loan. ‘Over $8,000 in interest savings’ and ‘80 months shorter’ reflect average reductions across funded customers. When applicable, comparisons to personal loan alternatives use industry APRs by credit tier from Q1 2025 LendingTree data. Individual results may vary.

Based on Q1 2025 LendingTree data for personal loans by credit band. Comparison reflects Plannery’s lowest offered APR by credit tiers versus average APRs on LendingTree’s platform for similar tiers. Actual rates vary by applicant profile and are not guaranteed.

PLANNERY PERSONAL LOAN DISCLOSURES:
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For employees at a partner employer:
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Plannery is an optional program, not a recommendation from your employer. Your employer gets no financial benefit from employees applying for or being approved for Plannery.

For all prospective users of Plannery's lending product:

Not all applicants will qualify. Loans are subject to approval and verification of credit and employment information. Rates and terms are subject to change without notice. Loan amounts range from $1,000 to $20,000, with repayment terms from 12 to 60 months. Annual Percentage Rates (APRs) range from 12% to 31%, based on creditworthiness and other factors. State minimum lending laws may apply. Loan minimums vary by state.

Plannery is not a bank. Plannery is a financial technology company. Loans subject to approval and standard underwriting criteria. Applications are for loans offered, made by, decisioned and owned by FinWise Bank, a Utah chartered bank. Terms and conditions are subject to change without prior disclosure or notice.