Privacy Policy

Last updated: August 8, 2026

This Privacy Policy describes how Changing Our Futures (EIN 47-1878490), operating the FixPayment service (“we,” “us,” or “our”), collects and uses information related to our websites (including fixpayment.org and our registered brand site www.makechoice.org) and SMS/text reminder communications.

Information we collect

Contact details you or your creditor provide (name, phone number, email)
Account and balance information needed to send reminders
Messages you send to our phone numbers by SMS
Basic website usage data

SMS / text messaging privacy

If you provide a mobile number and consent to texts, we may send account reminders and related FixPayment notifications (for example, payment-due reminders, status updates, and occasional secure self-service links). These messages are reminders for accounts you are associated with — not mass marketing blasts.

Message frequency: Message frequency varies. Most people receive occasional reminders (typically fewer than 10 messages per month).
Message and data rates may apply.
Reply STOP to opt out. Reply HELP for help, or email support@fixpayment.org.

We do not share, sell, or provide your mobile phone number or messaging consent data to third parties or affiliates for marketing or promotional purposes. Mobile numbers and SMS opt-in data are used only to operate FixPayment reminder communications and by service providers (such as our SMS platform) acting on our behalf.

How we use information

To send account reminders and related FixPayment notifications
To respond to inquiries and support requests
To operate and improve our services
To meet legal and compliance obligations

Sharing

We may share information with service providers who help us run FixPayment (SMS, hosting, payments), only as needed. We do not sell personal information. We do not share mobile opt-in data with third parties or affiliates for their marketing.

Contact

Changing Our Futures / FixPayment
Email: support@fixpayment.org
Related: Terms & Conditions