Privacy Policy

Last updated August 7, 2026

This Privacy Policy explains how smsBanana, located at 550 W B St, 4th Floor, San Diego, CA 92101 (“smsBanana,” “we,” “us”), collects, uses, and shares information when you use the smsBanana SMS/MMS service (the “Service”). By using the Service you agree to this Policy. Our Terms of Service govern your use of the Service.

What we collect

• Your phone number, which is your account identifier.
• The questions and prompts you send, and the answers and images we generate from them. For answers, we also keep a short window of your recent exchanges so that follow-up questions make sense in context.
• Service records: credit balances and credit history, subscription and purchase status, referral relationships, opt-in/opt-out status, and message and call delivery events.
• Payment information: when you pay, our payment processors (for example, Stripe and Twilio Pay) process your payment details. We do not store your full card number; we receive limited confirmation and billing records to operate accounts, provide receipts, and handle disputes.
• Basic technical data from our website (such as IP address and request logs) for security and to keep the site running.

How we use it

• To operate the Service: generate answers and images, deliver replies, track credits and subscriptions, take payments over the phone, and provide support.
• To prevent abuse and fraud, including referral gaming, spam, and chargeback fraud, and to keep records (such as timestamp, phone number, prompt, generation outcome, and delivery status) as evidence for disputed charges.
• To monitor, debug, and improve the Service, including reviewing requests and results for quality and safety.
• To comply with law and enforce our Terms.

How we share it

We share information with third-party service providers who help us operate the Service under our instructions. Depending on what you use, this includes providers for:

• AI generation — the text of your questions and prompts is sent to third-party AI providers to produce answers and images;
• Message and call delivery — for example, Twilio;
• Payment processing — for example, Stripe and Twilio Pay;
• Hosting, monitoring, and operational tooling — including internal tools we use to review activity, results, and errors for quality, safety, and debugging.

We may change or add providers as the Service evolves. We also disclose information:

• Legal and safety: when required by law, or to protect our rights, users, or the public.
• Business transfers: in connection with a merger, acquisition, or sale of assets, subject to this Policy.

We do not sell your personal information, and we do not share it for cross-context behavioral advertising. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent are not shared with any third party except as needed to deliver the messaging service itself.

How long we keep it

• Generated images are hosted for delivery only briefly (about one hour) and are then deleted from our delivery storage. Copies retained by our providers or in our internal operational tooling are kept as described above.
• Account and event records are retained while your account exists. Texting DELETE deactivates your account; afterward we keep only a limited record (such as your phone number and abuse-prevention flags) to prevent opt-out circumvention and re-claiming of one-time credits or promotions.
• Payment and transaction records are retained as long as needed for accounting, tax, chargeback, and other legal obligations.

Your choices and rights

Because our Service works entirely over text and phone, you do not need a computer or the internet to exercise any of these rights — you can reach us by texting or calling our number, or by emailing [email protected]. We verify requests using the phone number they come from.

• Messaging: reply STOP at any time to stop messages. The standard opt-out keywords CANCEL, END, QUIT and UNSUBSCRIBE work the same way. Opting out also cancels any paid subscription, so you will not be charged again. You will receive one confirmation and nothing further unless you text START to rejoin. Reply HELP for help.
• Cancelling billing only: to stop a paid subscription while keeping your account and messages active, call our number and choose the cancel option, or email [email protected].
• Deactivating your account: texting DELETE deactivates your account and stops further use. Because a fully erased record could be used to re-claim one-time promotions or evade an opt-out, we keep a limited record tied to your phone number (in deactivated form) for the purposes described in “How long we keep it.”
• California residents (CCPA/CPRA): you have the right to know what personal information we collect, to request a copy, to request deletion, to request correction, and to opt out of the sale or sharing of your personal information — though, as stated above, we do not sell or share it. We honor verified requests to the extent required by law. As the law permits, we may retain the minimum information necessary — such as your phone number and abuse-prevention flags — to detect and prevent fraud (including re-claiming one-time credits or promotions), enforce opt-outs, complete transactions you requested, and meet legal, tax, and financial obligations. We will not discriminate against you for exercising your rights.

Security

We use reasonable technical and organizational measures to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Children

The Service is for adults 18 and older. We do not knowingly collect information from anyone under 18. If you believe a minor has used the Service, contact us at [email protected] and we will delete the information.

Changes to this Policy

We may update this Policy from time to time. The “Last updated” date shows the current version; material changes will be posted here and, where appropriate, sent by message.

Contact

Privacy questions or requests: [email protected]
smsBanana, 550 W B St, 4th Floor, San Diego, CA 92101