Terms and Conditions

Effective date: October 21, 2026

These terms govern transactional text messages from 3F Finance related to secure app access and expense-classification questions.

SMS Consent

By submitting the SMS consent form, you agree to receive transactional text messages from 3F Finance for secure app access and expense-classification questions.

Message Frequency

Message frequency varies depending on your requests and account activity.

Message and Data Rates

Message and data rates may apply.

Opt-out and Help

Reply STOP to cancel text messages at any time. Reply HELP for assistance.

Changes to These Terms

3F Finance may update these terms as our services change. Continued use of the service after an update means you accept the revised terms.

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Financial clarity for small business owners, with a human touch where it matters.

© 2026 Form Free Finance. All rights reserved. 3F is a financial technology platform, not a registered CPA firm.