Text messages from ZeroPercent

Last updated: 25 September 2026

1. Who sends these messages

ZeroPercent is a trading name of OppBox Ltd, a company registered in England & Wales (company number 17351386). We send texts through Twilio, a regulated messaging provider. In the United Kingdom, sign-in codes arrive from the sender name ZeroPercent and rescue texts from 07460 069376. In the United States, both arrive from our toll-free number, (888) 479-9370.

Calls from us show our name. A rescue can also ring you from 07460 069376. That number is registered with the UK networks through Twilio's Branded Calling, so on EE, Virgin Media O2 and Vodafone the call shows as ZeroPercent rather than a bare number. On other networks, abroad, or over Wi-Fi calling you may see only the number. Saving it as "ZeroPercent" in your contacts means texts show our name too, and calls still reach you when your phone is set to silence unknown callers.

Is a text really from us? ZeroPercent only texts from the numbers above. It is still worth a second check, because the sender shown on a text can be faked. A real rescue text carries the name of the person you know, and their code word if they set one. ZeroPercent will never text you asking for a sign-in code or a ZeroPercent PIN, and will never ask you to send money. If something about a message feels wrong, check with the person's family on a number you already have before you act on it: their own phone is probably the one that is off. You can also ring the number the text came from, from the phone that got it, and we will ring you back to say whether we sent it (how that works). If you think someone is pretending to be ZeroPercent, tell us at security@zeropercentapp.com.

2. Codes

When you create an account, sign in, change the number your account rests on, or agree to be someone's backup contact, we text a six-digit code to the mobile number you typed. That is the whole of the message. You asked for it by tapping a button, and it stops when you stop asking. Never share a code with anyone: ZeroPercent will never ask you for one.

3. Rescue texts

Your people are the only other people we text: your backup contacts, and anyone on your plan you have not switched off. We text them only when you send a rescue from zeropercentapp.com/rescue because your phone has died, been lost, or been stolen. The message carries your name, your code word if you set one, and anything you typed. The person can reply, and their reply reaches you on the borrowed phone while your rescue session is open.

Becoming a backup contact. Someone who knows you sends you a link from their own phone. It opens a page on zeropercentapp.com that says who added you and what it means. If you are happy, you tick a box, type your number and enter the code we text you. We then send you one confirmation, and nothing else outside a rescue. If you say no, we do not text you at all.

Joining someone's plan. An invitation to a plan opens the same kind of page, with the same tick box and code (or, if you join with an invite code, the same tick box in the app). When you join, you agree that everyone on the plan can reach you in a rescue. You can switch any of them off in Settings, and leaving the plan ends it.

If you were sent an older introduction, before 25 September 2026 or from an older version of the app, asking you to text SAVED to our number, that still works, and gets the same single confirmation.

If you have replied STOP to us before, the page will ask you to text START first. Only you can undo a STOP, from your own phone.

We ask you to introduce ZeroPercent to each backup contact yourself, before anything goes wrong, so a rescue text is never the first they hear of us. A rescue session can send at most ten texts, and no number receives more than a small number of ZeroPercent texts in a day, whoever sends them.

4. How often

Message frequency varies. There is no schedule. Sign-in codes arrive when you request one. Rescue texts arrive when someone who chose you as a backup contact is in difficulty, which for most people is a handful of times a year, or never.

5. Stopping messages

• Reply STOP to any text from 07460 069376 (UK) or (888) 479-9370 (US) and we will not text or call that number again from any ZeroPercent number, unless you reply START. STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT do the same as STOP; START or UNSTOP opts back in. Sign-in codes in the UK come from the name "ZeroPercent", which cannot receive replies. They are only ever sent when someone asks for one, so to stop them, stop requesting them, or email us if someone else keeps entering your number. If you are someone's backup contact, tell them, because it means their rescue texts and calls can no longer reach you.
• You can also say you no longer want to be someone's backup contact from the link they sent you, or by emailing hello@zeropercentapp.com. We act on it within a day, and always within 10 business days.
• Reply HELP and you will get a short message with how to reach us.
• To stop sign-in codes, stop requesting them. To stop being someone's backup contact, ask them to remove you in the app, or email us.

6. Cost

We do not charge for any text. Your mobile provider may: message and data rates apply as they do to any text you receive. Rescue texts to UK numbers and US numbers are sent from a number in that country, so they are never international texts for the person receiving them.

7. Your number and your privacy

Your mobile number is your account, and a backup contact's number is stored so that a rescue can reach them. Numbers are never sold, shared with advertisers, or used for marketing. Mobile information is not shared with third parties or affiliates for marketing or promotional purposes. Twilio carries our messages on our instructions and, as a telecoms provider, also keeps and uses message records for its own network, security and legal purposes. Our privacy policy explains this in section 6.

8. Delivery

Wireless carriers are not liable for delayed or undelivered messages. A text can arrive late, or not at all, for reasons no sender controls: no signal, a full inbox, a network fault. This is why a rescue session keeps replies visible on the borrowed phone, and why the app asks you to nominate more than one backup contact.

9. Contact

Email hello@zeropercentapp.com (hello at zeropercentapp dot com) with anything about text messages, including to be removed from a list of backup contacts you did not agree to.

Your participation is subject to our privacy policy and our terms of service.