AP Receipt Line SMS Terms & Conditions

CARD Companies, Inc. · Last updated: October 26, 2026

By enrolling in or texting our AP number (952) 333-9550, you agree to these terms.

Program. CARD Companies, Inc. operates an optional accounts-payable SMS program ("CARD Companies AP") for employees and field staff of CARD Companies, Inc. and its affiliated companies (J&W Asphalt, Benchmark Concrete Raising, Hamill Concrete, Ostertag Concrete). Enrolled employees text photos of receipts and invoices to the AP number. The system replies with confirmations (a receipt was received, an item was processed, or a detail needs correction), reminders about the employee's own card charges that still need a receipt, and answers to the employee's questions.

Enrollment is optional. SMS enrollment is voluntary and never a condition of employment or reimbursement. Receipts and invoices can be submitted by email to your company's AP mailbox or on paper with no difference in processing. Declining or opting out has no effect on your employment, expense processing, or reimbursement.

Opt-in / consent. Consent is collected on a standalone written opt-in form, separate from all required onboarding documents. You may also self-enroll by texting START to (952) 333-9550.

Message frequency. Message frequency varies and is low, tied to your own expense activity.

Cost. Message and data rates may apply.

Opt-out and help. Reply STOP at any time to cancel; you will receive one final confirmation and no further messages. Reply HELP for help, or contact Jon Hebda at jon@cardcompaniesinc.com or 952-894-9078.

Carriers. Wireless carriers are not liable for delayed or undelivered messages.

Privacy. We do not share mobile phone numbers or SMS opt-in data with third parties. See our AP SMS Privacy Policy (www.cardcompaniesinc.com/card-ap-sms-privacy).

Contact. CARD Companies, Inc. · 900 W 128th St, Ste 205, Burnsville, MN 55337 · jon@cardcompaniesinc.com · 952-894-9078