Privacy Policy for
SMS (Text) Messaging
Effective
Date: 8/1/2025
Introduction
At CharterWest Bank, your privacy is critically important to us. This Privacy Policy
explains how we collect, use, and protect your personal information when you
opt into our SMS messaging programs. By opting into our SMS service, you agree
to the terms outlined below, which are in compliance with the latest
regulations including but not limited to the Telephone Consumer Protection
Act (TCPA) and the Campaign Registry guidelines, Gramm Leach Bliley Act
(GLBA), Right to Financial Privacy Act, and Truth in Lending Act (TILA).
Information
We Collect
When
you opt-in to receive SMS messages from us, we collect the following
information:
·
Phone
Number: The mobile
number provided during the opt-in process.
·
Message
Interaction Data:
Includes information such as delivery status, response data, and message
engagement rates.
·
Consent
Data: We maintain
records of when and how you provided consent to receive SMS messages, including
the method of opt-in.
Please refer to
our Privacy Policy Notice (https://www.charterwest.com/policy-disclosures/privacy-policy/) for complete details to what
CharterWest Bank does with your personal information.
How We
Use Your Information
We
use your information to:
·
Send
text messages based on the preferences you indicated when opting in, such as
o Follow-up communication concerning new
or existing products or accounts once a customer has initiated contact.
o Appointment reminders
o Automated notifications or alerts
o Surveys or request to review
·
Ensure
compliance with federal regulations, including the TCPA.
·
Monitor
and improve our SMS services by tracking engagement metrics.
Your
information will only be used for the purpose specified at the time of
opt-in and will not be used to send unrelated messages.
One-to-One
Consent Requirement
In
line with FCC regulations, your SMS opt-in applies to communications
from CharterWest Bank only. Your consent to receive SMS messages is
specific to our company and does not extend to third-party businesses or
affiliates unless explicitly stated and separately agreed upon.
Message
Frequency and Data Rates
The
SMS message frequency will vary but will not be more than 3-5 messages per day,
unless there is a notification event. Please note that message and data
rates may apply depending on your mobile carrier and plan. We encourage you
to review your carrier's terms for more details on messaging fees.
Opt-Out
Instructions
You
can opt out of our SMS service at any time by replying with “STOP” to
any message you receive from us. Once you opt out, you will immediately cease
receiving further messages unless you opt back in. For help, contact us
directly at customerservice@charterwest.com or 800-872-5147 or
text "HELP" to any text message received from us.
Data
Sharing and Disclosure
We
will never share or sell your mobile information to third parties/affiliates
for marketing/promotional purposes at any time. We may, however, share your
information with trusted third-party service providers for the purpose of
facilitating SMS delivery. All such parties are bound by strict confidentiality
agreements and are prohibited from using your data for any purpose other than
SMS delivery.
In compliance
with Do Not Call (DNC) Registry regulations, you have the right to
register your number with the National DNC Registry (https://www.donotcall.gov/). If you are on the DNC Registry, we
will not send you promotional SMS messages unless you have provided express
consent to do so.
Security
of Your Information
Every
effort will be made to protect the security and confidentiality of information
transmitted through text (SMS) messages.
There are inherent risks associated with all electronic communication. These risks include unauthorized access, loss
of privacy, and potential breach of sensitive information. It is important to be aware that text (SMS)
messages may not be entirely secure and could be intercepted or accessed by
unintended recipients.
Record-Keeping
and Proof of Consent
As
required by the TCPA and Campaign Registry guidelines, we
maintain records of all opt-ins and opt-outs, including timestamps and the
method of consent. These records are kept securely and may be used to
demonstrate compliance with regulatory requirements if needed.
Changes
to This Policy
We
reserve the right to update or modify this Privacy Policy at any time. Any
significant changes will be communicated via SMS or on our website. Continued
use of our SMS service after any changes indicates your acceptance of the
revised policy. Please check back periodically to stay informed of any updates.
Contact
Us
If
you have any questions about this Privacy Policy or wish to update your SMS
preferences, contact us at:
Email: customerservice@charterwest.com
Phone: 800-872-5147
Address: 201 S Main St, West Point, NE 68788
Compliance
Elements:
·
One-to-One
Consent: Consumers
are only giving consent to receive messages from the specific business they opt
into, not from multiple parties.
·
Clear
Disclosures: The
policy includes clear language about the nature of the messages, frequency,
potential charges, and opt-out mechanisms.
·
Do
Not Call Protections:
The policy reflects the latest FCC guidance that DNC protections apply to SMS,
making it clear that businesses must adhere to DNC regulations.
·
Data
Sharing and Record-Keeping:
Emphasizes the importance of maintaining proof of consent and clear guidelines
on how data is shared for operational purposes.
·
Gramm
Leach Bliley Act: The
Act requires that customers be provided an opportunity to opt-out of sharing
his or her nonpublic personal information to nonaffiliated third parties
subject to certain exceptions. CharterWest Bank will not share any non-public
personal information with nonaffiliated third parties other than as permitted
by the exceptions delineated in the privacy rule.
·
Right
to Financial Privacy Act:
CharterWest Bank will not honor any request for information that does not
comply with the requirements of the Right to Financial Privacy Act. Strict
precautions will be taken to prevent the release of inappropriate information
as allowed by the Right to Financial Privacy Act.
SMS Terms and
Conditions
Effective
Date: 8/1/2025
Introduction
By
opting into SMS programs provided by CharterWest Bank, you agree to
receive recurring text messages to the phone number you provided. These
messages may include:
·
Security
related incidents
·
Follow-up
communication concerning new or existing products or accounts once a customer
has initiated contact.
·
Appointment
reminders
·
Automated
notifications or alerts
·
Surveys
or Request to Review
By
participating, you agree to these Terms and Conditions, which comply with the Telephone
Consumer Protection Act (TCPA) and the FCC’s guidelines.
Opt-In
Consent
In
accordance with the TCPA guidelines, your participation in our SMS
service requires explicit one-to-one consent. This means that by opting
in, you consent to receive messages from CharterWest Bank only. Consent
cannot be shared with other companies or third-party entities without your
direct approval.
To join our SMS
program, you may opt in through:
·
Web
Form or Written Form:
By checking a clearly labeled box to “Opt-In to receiving text (SMS) messages.”
·
Verbal
or In-Person Consent:
In certain cases, if allowed, your verbal consent can be captured and
documented.
By opting in,
you acknowledge that your consent to receive SMS messages is not a condition
of any purchase.
Message
Frequency
The
number of messages you receive will vary based on your interaction with our
services but should not exceed 3-5 messages a day, unless there is a
notification event. Message and data rates may apply depending on your mobile
carrier and plan.
Opt-Out
Process
You
can opt out of receiving SMS messages from CharterWest Bank at any time
by replying with the word “STOP” to any text message you receive from
us. Once you opt out, you will not receive any further messages unless you
choose to opt back in. For help, contact
us directly at customerservice@charterwest.com or 800-872-5147 or
text "HELP" to any text message received from us.
Terms of
Consent
By
opting into our SMS programs, you agree to receive SMS messages from CharterWest
Bank in compliance with the TCPA and the FCC's guidelines.
All messages will be logically and topically related to your interaction with
our services and products.
Your consent is
specific to CharterWest Bank, and it does not extend to third-party
businesses or affiliates unless explicitly stated at the time of opt-in, as
mandated by the FCC's one-to-one consent rule.
Privacy
Policy
We
take your privacy seriously. By opting into our SMS services, you agree to our Privacy
Policy for SMS (Text) Messaging {https://www.charterwest.com/policy-disclosures/sms-privacy-policy-terms/} and Privacy Policy Notice (https://www.charterwest.com/policy-disclosures/privacy-policy/), which explains how we collect, use,
and protect your personal information. Your phone number and interaction data
will only be used for the purposes of delivering the SMS messages outlined in
this agreement.
Message
and Data Rates
Message
and data rates may apply, depending on your mobile service provider and plan. CharterWest
Bank is not responsible for any fees charged by your carrier for receiving
or sending messages related to our service.
Record-Keeping
and Compliance
We
maintain detailed records of when and how you provided consent to receive SMS messages.
This includes storing opt-in and opt-out dates and timestamps. These records
are maintained in compliance with TCPA regulations and may be used to
demonstrate proof of consent if required.
Changes
to Terms and Conditions
CharterWest
Bank reserves the
right to modify or change these Terms and Conditions at any time. Any
significant updates will be communicated via SMS or through our website. By
continuing to use our SMS services after any changes, you agree to the revised
Terms and Conditions.
Disclaimers
and Liability Limitations
CharterWest
Bank is not
responsible for delayed or undelivered messages. Delivery of SMS messages is
subject to effective transmission from your mobile carrier and network
provider. We cannot guarantee that SMS services will always be available in all
areas.
Contact
Information
If
you have any questions or concerns regarding these Terms and Conditions or the
SMS service, contact us at:
Email: customerservice@charterwest.com
Phone: 800-872-5147
Address: 201 S Main St, West Point, NE 68788