In these Terms and Conditions, the words “you,” “your,” and “yours” mean any individual who receives text message communications from Patelco Credit Union. The words “we,” “us,” “our” and “Credit Union” mean Patelco Credit Union.
The Credit Union’s text messages are intended to provide actionable, informational, transaction, or marketing information regarding our products and services. Certain texts you are opted into as part of a transaction or information sent to you by accessing certain platforms and agreeing to those terms of service on these platforms, such as a new account opening online, applying for a loan online, or fraud and risk mitigation for your debit or credit card. You are able to opt-out at any time by the means listed below under Program Description. We will not send you marketing messages through the Credit Union’s text messaging service unless you separately affirmatively opt-in to receiving such messages, as further discussed below.
Patelco SMS (Text) Messaging Terms and Conditions
Program Descriptions, Opting In and Opting Out
The Credit Union has several text messaging programs that utilize separate short code numbers for their distinct use cases. The programs and the opt in method (if applicable) and opt out method for the programs are described below.
Member Communications (XXXXX)
Member Service and Online Account Opening – Used to communicate general notices and account information and reminders to complete account documents. You are automatically enrolled in this type of text alert. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number.
Business Banking – Used to communicate account information and reminders to complete account documents. You are automatically enrolled in this type of text alert. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number.
Fraud Prevention – Used to communicate information about fraud claims. You are automatically enrolled in this type of text alert. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number.
Account Solutions – Used to provide payment reminders and debt services. You are automatically enrolled in this type of text alert. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number. Message frequency varies and is dependent on text alert type.
Marketing and Promotional – Used to get updates on our marketing and promotional offers. You can opt-in by texting “START” to the short code listed. You can opt-out by simply replying “STOP” at any time when texting this number
Consumer Loan Processing (XXXXX)
Loan Applications – Used to provide notifications regarding a loan’s status and reminders to complete loan documents. You are automatically enrolled in this type of text alert. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number.
Home Loan Applications (xxxxx) – Used to provide notifications regarding a loan’s status and reminders to complete loan documents. You are automatically enrolled in this type of text alert. You can opt-in by texting “START” to the short code listed. You can opt-out of this type of text alert by simply replying “STOP” at any time when texting this number.
Account Alerts
Debit or Credit Fraud Alerts (xxxxx) – Used to verify card activity which may seem out of the ordinary from your typical card usage pattern. You are automatically enrolled in this type of text alert as a fraud prevention tool for your credit or debit card(s). We highly recommend that you do not opt-out from this type of text alert, but if you choose to do so, you can simply reply “Stop” at any time when texting this number.
Card Management Alerts (91992) – You can choose your Card Alert preferences by going to Card Management in Patelco Online™. You can get a variety of alerts regarding debit or credit card transactions. Once enrolled, you can opt-in by sliding right and opt-out by sliding left.
Online Banking Alerts (91992) – Patelco Online™ offers a range of account alerts which keep you informed of your account activity. Log in to Online Banking, select Account Services then Account Alerts and choose the category of alert on the left side of the screen. Opt-in by sliding right and opt-out by sliding left.
If you have consented to more than one text messaging program, your opt-out request may generate either a confirmation text or a texted request to clarify the Credit Union text messaging program to which it applies. Revoking your consent to receive marketing text messages from the Credit Union does not also revoke any consent you provided to receive text messages related to a specific transaction (for example, a loan application).
Support/Help
To request more information, text “HELP” to the appropriate short code for the text messaging program about which you have questions. If at any time you forget what keywords are supported, just text “HELP” to the appropriate short code. After you send the message HELP to us, we will respond with instructions on how to use our service, as well as how to unsubscribe. You may also receive help by contacting Member Services at 800.358.8228 during business hours.
Message Frequency
The number of text messages you receive will vary depending on which Patelco text messaging programs you sign up to receive and the frequency of the messages sent by those programs.
If you have opted to receive marketing messages, we will not send you more than ten (10) text messages containing special offers or promoting Credit Union products per month.
Fees
We do not charge or impose a fee of any kind for your access to or use of text messaging. However, you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your mobile carrier. Message and data charges may apply to each text sent or received. Please contact your mobile communication service provider for pricing plans.
Your Mobile Telephone Number
You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. We determine in our sole discretion what information we make available through this service. You represent that you are the owner of record for, or the customary user of, the mobile telephone number(s) you designated as your cell phone on your Credit Union membership.
You agree to indemnify, defend, and hold us harmless from and against any and all claims, losses, liability, costs, and expenses (including reasonable attorneys’ fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state, or local law, regulation, or ordinance.
Access or Delivery to a Mobile Network is Not Guaranteed
It is your responsibility to determine if your mobile carrier supports text messaging and if your mobile device is capable of receiving text messages. Your receipt of our text message(s) is subject to the terms and conditions of your agreement(s) with your mobile carrier.
Delivery and receipt of account information through the Credit Union’s text messaging program may be delayed or impacted by factor(s) pertaining to your mobile carrier or other parties. We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties.
The Credit Union is not responsible for the use of any text messaging received while driving. Safe driving is your responsibility, and you should not use this text messaging service while driving.
Supported Mobile Carriers
We can deliver messages to the following mobile carriers:
Major Carriers – AT&T, Verizon Wireless, and T-Mobile
Minor Carriers – U.S. Cellular, Boost Mobile, MetroPCS, Virgin mobile, Alaska Communications Systems (ACS), Appalachian Wireless (EKN, Bluegrass Cellular, Cellular One of East Central, IL (ECIT), Cellular One of Northeast Pennsylvania, Cricket, Coral Wireless (Mobi PCS), COX, Cross, Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI, Golden State, Hawkeye (Chat Mobility), Hawkeye (NW Missouri), Illinois Valley Cellular, Inland Cellular, iWirelesss (Iowa Wireless), Keystone Wireless (Immix Wireless/PC Man), Mosaic (Consolidated or CTC Telecom), Nex-Tech Wireless, NTelos, Panhandle Communications, Pioneer, Plateau (Texas RSA 3 Ltd), Revol, RINA, Simmetry (TMP corporation), Thumb Cellular, Union Wireless, United Wireless, Vlaero Wireless, and West Central (WCC or 5 Start Wireless)
This list is not exhaustive and is not updated regularly and may change without notice. We make no warranty regarding the availability or reliability of text messaging services, and we shall have no liability related to any delay or failure in delivery or receipt of text messages. We and the supported mobile carriers are not liable for delayed or undelivered messages.
Eligibility
To receive our text messaging services, you must be a resident of the United States and 18 years of age or older. We reserve the right to require you to prove that you are at least 18 years of age. We do not intend to or knowingly collect information from individuals under thirteen (13) years of age.
Changes to Terms and Conditions
We may revise, modify, or amend these Terms and Conditions at any time, without notice, except as required by law. Any revision, modification, or amendment shall be effective when it is posted to our website. Your continued use of a text messaging service after these Terms and Conditions have changed shall constitute your acceptance of those changes.
Termination of Text Messaging
We may suspend or terminate your receipt of Credit Union text messages if we believe you are in breach of these Terms and Conditions or the Credit Union’s Member Handbook. Your receipt of Credit Union text messages is also subject to termination should your mobile telephone service terminate or lapse. We reserve the right to modify or discontinue all or any part of our text messages, with or without notice.
Security
This service may not be encrypted and at some point, may include personal or confidential information about you, such as your account activity or status. You agree to protect your communication device that receives information through this service and not let any unauthorized person(s) have access to the information we provide to you through this service. If you receive a text message purported to be from the Credit Union that requests you send a text with sensitive or non-public personal information, please do not respond. Instead, notify us immediately by calling us at 800.358.8228.
We may send you text messages containing HTTPS links to exchange sensitive or non-public information online to a Credit Union website. These links will go to the Credit Union website in your phone’s mobile browser with a “lock” icon to denote the encrypted HTTPS connection.
The Credit Union text messaging is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your account(s).
Disputes
You agree that any action, dispute, claim, or controversy of any nature between you and the Credit Union arising from or related to the Credit Union’s text message service will be subject to and resolved in accordance with the terms of the Credit Union’s Member Handbook.
Text Messages Not Governed by these Terms and Conditions
The Credit Union may contact you via calls and/or text messages to your mobile number using a different short code or phone number. For more information, please refer to the Consent to Receive Communications section contained in our Member Handbook.
Privacy
The Credit Union does not consider opt in or opt out data or preferences obtained from the text messaging program as personal information. The Credit Union values your privacy and does not share opt in or opt out data or preferences with any third parties. For additional information regarding our privacy policies, please visit patelco.org/privacy.