LCash SMS Terms & Conditions

Effective Date: August 17, 2026

These SMS Terms & Conditions explain the text messages Place Stars, Inc., a Nevada corporation doing business as LCash (“LCash,” “we,” “us,” or “our”), sends to you: what they contain, how often they arrive, what they cost, how to stop them, and what we do — and do not do — with the consent you give us.

They apply to every text (SMS) and picture (MMS) message we send to a mobile number you have given us — or, for an invitation, that someone sending you money has given us — and they form part of our Terms of Use.

1. The Messages We Send

LCash texts you about your own account and your own money. Depending on how you use the Services, you may receive:

• one-time passcodes and verification codes — when you sign in, reset a password, confirm your phone number, or approve a sensitive change;
• transaction alerts — wallet funding, card payments, declines, refunds, and reversals;
• card notices — card issued, frozen, unfrozen, replaced, or expiring;
• security alerts — sign-in from a new device, suspected fraud, or a change to your account details;
• account and service notices — verification steps still outstanding, limits reached, or a change we are required to tell you about;
• support replies — answers from our support team when you have contacted us.
• invitation messages — when an LCash user sends money to a mobile number that has no LCash account yet, we text that number so the recipient can claim the money. We may send up to two reminders before the invitation expires — one about a day after it goes out, one shortly before it lapses — and the sender can ask us to send the invitation again up to three more times.

What we text today. Of the categories above, only the passcodes and the invitation messages are currently sent by text; the transaction, card, security, account and support notices reach you in the app and by email instead. The list is written to cover every category these terms apply to, including ones we may switch on later — but as of the date at the top of this page, a text from LCash is a passcode or an invitation.

Sample messages. Copied from the stored message bodies, and checked against them on 17 August 2026 — the double braces are the placeholders our renderer fills in when the message goes out. The bodies live in a template store our team can edit, so this page can fall behind an edit; a check kept with the message code compares these samples against the store and fails when the two disagree.

• LCash code: {{code}}. Expires in {{expire_minutes}} min. Do not share this code. — creating your account
• LCash code: {{code}}. Expires in {{expire_minutes}} min. — signing in
• LCash: {{code}} is your code to confirm your new phone number. Expires in {{expire_minutes}} min. — confirming a new number
• {{senderName}} sent you {{amount}} on LCash. Claim it: {{claimUrl}} (expires in 7 days) Verify by {{deadline}}. Reply STOP to opt out. — an invitation
• Reminder: {{senderName}} sent you {{amount}} on LCash. Claim it before it expires: {{claimUrl}} Verify by {{deadline}}. Reply STOP to opt out. — an invitation reminder

LCash does not run marketing or promotional SMS campaigns. Every LCash message listed above is triggered either by your own account activity or, for an invitation, by a person sending you money. Our texts go out from a Place Stars sending number that is shared with Doft, the other product Place Stars operates (see section 4). That shared number carries only this kind of message for both products — Doft’s product news and promotional messages go out from a separate number, which sends nothing for LCash. If you are also registered with Doft, its messages are governed by Doft’s SMS Terms rather than these.

2. Message Frequency

Message frequency varies. Our texts follow your own activity, so how many you receive depends on how often you sign in, fund your wallet, and use your card. An active wallet may generate several messages a day; a dormant account may go weeks without one.

3. Cost

Message and data rates may apply. LCash does not charge you for text messages, but your mobile carrier may, according to your plan — and international rates may apply where our messages reach you outside your home network. Check with your carrier if you are unsure. Carriers are not liable for delayed or undelivered messages.

4. How to Stop Messages, and How to Get Help

Reply STOP to unsubscribe. Reply HELP for help.

• Reply STOP to any message from LCash and we stop texting you altogether — not just from that number. Your carrier stops delivery straight away, and we record the opt-out on our side as well; from then on we withhold every LCash message to that number, of every kind, permanently, until you ask us to clear it. You will receive one final message confirming that you have been unsubscribed. STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT work the same way, but STOP is the word we can guarantee on every number, so use STOP if you want to be certain.
• Reply HELP (or INFO) to any message from LCash and you will get an automatic reply telling you how to stop the messages and that message and data rates may apply. For anything that reply does not cover, email support@lcash.com or come back to this page.
• You can also ask us to stop at any time by emailing support@lcash.com.
• To start receiving messages again, reply START — or UNSTOP or YES — to the same number, and email support@lcash.com to say you would like the messages back. The reply lifts the block at the carrier; we also keep our own record of your STOP and clear it by hand, deliberately, because starting to text somebody again is not a decision we let software make on its own. Until we have cleared it, the reply alone will not resume LCash messages.

Our texts are sent by Place Stars, Inc., the company behind LCash, from a Place Stars sending number that is shared with Doft, the other product Place Stars operates. Replying STOP therefore stops that number for both products — including any LCash message you were expecting — and the automatic STOP and HELP replies come from Place Stars rather than carrying LCash branding. One STOP to this number stops every LCash message on its own — you do not need to write to us to achieve that. What it does not reach is the OTHER numbers Place Stars sends from, including the one Doft uses for its own product news: reply STOP to each of those as well, or, to be removed from every Place Stars number at once, email support@lcash.com.

Opting out of text messages does not close your LCash account, and we will still reach you by email and in-app notification where we need to. Be aware that STOP also stops the one-time passcode we text you to sign in, so if a texted code is how you get into your account, contact us before you send STOP and we will help you keep access.

5. Your Consent

You give us permission to text you when you enter a mobile number and opt in — when you create an LCash account and verify your mobile number in the app, when you add or verify a phone number later, or when you ask us to text you. The account you create is governed by our Terms of Use, of which these SMS Terms form part. Consent to receive text messages is not a condition of purchase, and apart from the one-time passcode that verifies your number it is not required to use the Services. Replying STOP ends every LCash message without closing your LCash account, as section 4 describes; to be removed from the other Place Stars numbers as well, email support@lcash.com. You must be the subscriber of the mobile number you give us, or be authorized by the subscriber to use it, and you agree to tell us if the number stops being yours.

Invitation messages rest on a different basis. They are initiated by the person sending you money, who gives us your mobile number so we can tell you there is money waiting; you do not need an LCash account to receive one. An invited number receives the invitation itself, up to two reminders before it expires, and any resend the sender asks us for — and nothing else. Replying STOP to any of those messages stops them, and we do not text an invited number about anything else unless the person holding it opens an LCash account and gives us the number themselves. Opening an account later does not undo a STOP: the record of it survives the sign-up, and we clear it only when you ask us to, as section 4 describes. If more than one person sends money to the same number, each invitation is texted separately.

Place Stars, Inc., the company behind LCash, also runs a web opt-in form. If you have not given us a number in the app you can enter one and tick the consent box on the Place Stars opt-in form. Read the scope on that form before you tick it: it covers one-time passcodes and verification codes only. The transaction, card, security, and account messages listed above are not covered by that form: they are sent as part of the Services, and you stop them by replying STOP or by emailing us.

You must be at least 18 years old, or the age of majority where you live, whichever is higher, to consent to receive our text messages.

6. We Do Not Share or Sell Your SMS Consent Data

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

And the same thing again, in our own words, because we mean all of it:

• No third party ever receives your SMS consent. The mobile number you give us and the opt-in you grant with it are never shared with, sold, rented, leased, or otherwise disclosed to any third party or affiliate for that party’s own purposes.
• Your opt-in information is never shared for marketing purposes. We do not share SMS opt-in data, consent records, or mobile numbers with anyone — including our affiliates and the other products Place Stars operates — so that they can market to you.
• The exceptions are delivery and payment. Your number is passed to the licensed communication service providers that carry our messages — our SMS aggregator and your mobile carrier — for the sole purpose of getting the message you asked for onto your phone; and to our payment and card-issuing partners where a transaction or a card in your name requires it, as our Privacy Policy describes. None of them receives it for marketing, theirs or ours.
• We may also disclose information where the law compels us to, as described in our Privacy Policy.

Sharing that is necessary to run the Services themselves — for example sending your details to a payment or card-issuing partner so a transaction can settle — is described in the Privacy Policy and is separate from your SMS opt-in, which stays with us.

7. Delivery

Delivery is not guaranteed. Messages can be delayed or dropped by a carrier, by network conditions, or by a handset, and LCash is not liable for a message that does not arrive. Do not rely on a text message alone for a time-critical decision about your money; the LCash app is always the authoritative record of your balance and transactions.

8. Privacy and Terms

How we collect, use, store, and protect the information behind these messages — including your mobile number — is set out in our Privacy Policy. Your use of the Services is governed by our Terms of Use.

9. Changes to These Terms

We may update these SMS Terms & Conditions from time to time. The effective date at the top of this page tells you when they last changed. Continuing to receive our messages after a change means you accept the updated terms.

10. Contact

Questions about our text messages? Contact: