Text Messages (SMS) Terms of Use

1. Charges

Your wireless carrier's standard messaging rates apply to SMS correspondence. Hanover Bank does not charge for content; however, downloadable content may incur additional charges from your wireless carrier. Please contact your wireless carrier for information about your messaging plan. Your carrier may impose messaging charges or place limitations on your account that are outside of our control. All charges are billed by and payable to your wireless carrier.

2. Authorization

You represent that you are the owner or authorized user of the wireless device you use to receive the service, and that you are authorized to approve the applicable charges.

3. Consent

We will send you a message only once, and only with your explicit agreement as indicated by your continuation through the process.

4. Liability

We will not be liable for any delays or failures in your receipt of any SMS messages, as delivery is subject to effective transmission from your network operator and processing by your mobile device. SMS message services are provided on an "as is," "as available" basis.

5. Data Collection

Data obtained from you in connection with this SMS service may include your mobile phone number, your carrier's name, the date, time, and content of your messages, and other information that you may provide. We may use this information to contact you, to provide the services you request from us, and to otherwise operate, develop, and improve the service. Your carrier and other service providers may also collect data from your SMS usage, and their practices are governed by their own policies. We will only use the information you provide through the service to transmit your text message or as otherwise described in this document. Nonetheless, we reserve the right at all times to disclose any information as necessary to satisfy any law, regulation, or governmental request, to avoid liability, or to protect our rights or property. When you complete forms online or otherwise provide us information in connection with the service, you agree to provide accurate, complete, and true information.

6. Proprietary Rights

The service, as well as the content and materials received through the service, are proprietary to us and our licensors and are for your personal, non-commercial use only. You shall not damage, interfere with, or disrupt the service or its functionality.

7. Changes and Termination

We reserve the right to alter charges and/or these terms and conditions from time to time. We may suspend or terminate service to you if you are in breach of our terms. Your service is also subject to termination in the event your wireless service terminates or lapses. We may discontinue the service at any time.

8. Contact Information

If you have any questions, email us at [email protected]. You can also text the word HELP to 32858 to get additional information about the service. If you receive a message from us, you can text the word STOP to 32858 to end text messages. We do not charge for help or info messages; however, your normal SMS rates apply.