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SMS Terms & Conditions

Account Management Text Message Terms & Conditions ("Terms & Conditions")

By providing your cell phone number, you have provided BAG with consent to send you text messages to provide you information about your account serviced by BAG regarding the services you have requested which may include but not be limited to assistance in completing your application, notification of transaction approval, payment reminders and notifications, servicing your account, and collection efforts. By providing this consent, you are authorizing BAG, individually and on behalf our affiliates, agents, assigns and service providers (collectively, "we", "us" and "our") to contact you using automatic telephone dialing systems, automatic texting systems and artificial or prerecorded messages. By providing this consent, you have also represented that you are the owner or customary user of any cell phone number which you have provided to us. Your cellular provider’s Message & Data Rates May Apply.

You understand the text messages we send may be seen by anyone with access to your phone and you agree that we are not liable for anyone accessing such messages. Accordingly, you should take steps to safeguard your phone and your text messages if you want them to remain private.

You agree to notify us immediately if you change your cell phone number, cease using the cell phone number you provided us, assign any non-cellular phone number you have provided us to a cellular service, or transfer your cell phone to another person.

These Terms & Conditions are subject to change at any time, and we may notify you of any updates by sending you a text message with a link to the revised terms and conditions and/or posting revised terms and conditions on the website. We also reserve the right to terminate our account management text message program at any time.

Please be aware that our account management text message program does not currently provide for two-way communication, other than sending auto-responses if you text STOP or HELP as specified below. Also please be aware that account management text messages that we send you may come from different numbers.

If you have any questions about this policy or are having problems receiving or stopping our text messages, please contact us using the following information: 

Opt-out or STOP

You understand that, at any time, you may withdraw your consent to receive text messages. If you wish to stop receiving account management text messages from us (which does not cover any fraud alerts we may send you), reply to any text message we have sent you and in the reply text message simply type STOP. If you text STOP to us, you understand that this direction will be limited to account management text messages for the product to which the text message relates, and we will only opt you out of receiving account management text messages. Your opt-out will only be effective as to the cell phone number from which you send the STOP request or that you specify. You can also opt-out of receiving text messages by sending an email to . Your stop request will become effective within 24 hours of receipt.

Support or HELP

If at any time you need our contact information, information on how to stop text messages, or these Terms & Conditions, reply to any text message we have sent you and in the reply text message simply type HELP. Upon receiving your text message, we will send you a text message with this information.

Some of the text message we send may include links to websites. To access these websites, you will need a web browser and Internet access.

Not all cellular carriers or text message service providers may support this service.

Effective 03/01/2021

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