SMS Alerts Policy

Macroeconomic State Forecast ("MSF") offers an optional SMS alert feature that notifies registered users when the macroeconomic regime model detects a significant state change. This page describes how opt-in consent is collected, what messages are sent, and how users can opt out at any time.

SMS alerts are entirely optional. You can create an account and use every part of MSF without ever enabling text alerts. Opting in to SMS alerts is never required to access or use the Service, and is never bundled with account creation, login, or acceptance of our Privacy Policy or Terms of Service.

MSF separates one-time phone verification from consent to receive recurring alerts. These are two distinct steps, and completing the first never implies the second. To receive messages, a user must:

1. Create an account and log in to MSF at msforecast.com.
2. Navigate to their Profile page (click avatar in the header → Profile).
3. Enter their phone number in the Text Alerts section and click Send code to receive a one-time verification code. This step only confirms the user owns the phone number — it does not enroll the user in any alerts and carries no recurring-message consent.
4. Enter the 6-digit verification code sent to their phone to confirm ownership.
5. Once verified, check the box for a specific alert type (Regime change and/or Daily update) on one or more models (MP 0.6.0 and/or MK 0.7.0). Each checkbox is unchecked by default. Checking a box is the single affirmative action that creates consent to receive recurring SMS alerts of that type — it is a separate action from phone verification and from account creation.

No messages are sent until a user has verified their phone number and affirmatively checked at least one alert box. Pre-checked boxes, implied consent, and third-party opt-in are never used. Consent is recorded in our database at the time the user checks a box, tied to that specific alert type and model.

Disclosure shown at phone verification (before any consent is collected):

We'll text a one-time 6-digit code to this number solely to verify you own it. This verification step does not enroll you in any recurring alerts — you'll choose which alerts to turn on, separately, after verifying. Msg & data rates may apply to the verification text.

Consent language shown above the alert checkboxes, once verified:

SMS alerts are optional. By checking a box below, you agree to receive recurring automated SMS text message alerts from MSF, at the number verified above, for the specific alert type(s) you enable. These are account notifications about macroeconomic model updates and regime changes — not marketing messages. Message frequency varies based on your settings (typically fewer than once per week). Msg & data rates may apply. Reply STOP to unsubscribe and HELP for help. Consent is not required to use MSF and is never a condition of any purchase.

This consent language is displayed directly above the alert checkboxes on the Profile page, separate from the phone verification step and from acceptance of the Privacy Policy or Terms of Service. Nothing about creating an MSF account, logging in, verifying a phone number, or using any other feature of the Service requires SMS opt-in — a user can decline this feature entirely and continue using MSF normally.

MSF sends SMS alerts only when the macroeconomic regime model detects a regime change (e.g., Deflation transitioning to Disinflation). Messages include:

• The model name and date of the detected change
• The previous and current top regime
• Current probability breakdown across all four regimes
• An opt-out instruction (reply STOP to unsubscribe)

MSF does not send marketing messages, promotional content, or messages unrelated to regime change alerts. Message frequency depends entirely on model output — typically fewer than once per week.

Example message:

MSF MP 0.6.0: Regime change detected — Deflation → Disinflation. Probabilities: Disinflation 42.3% | Reflation 28.1% | Stagflation 18.4% | Deflation 11.2%. Reply STOP to unsubscribe.

Users can stop receiving SMS alerts at any time by:

• Replying STOP to any alert message.
• Logging in to MSF and disabling SMS alerts from their Profile page.

After opting out, no further messages will be sent. To re-enable alerts, the user must return to their Profile page and opt in again.

Standard message and data rates may apply depending on your mobile carrier and plan. MSF does not charge for SMS alerts beyond any applicable carrier fees.

MSF is operated by Michael Krowicki, a sole proprietorship, based in San Jose, California. For questions about SMS alerts, contact us at michael@msforecast.com.