Collection Bureau of America Ltd.

TERMS & CONDITIONS FOR SMS COMMUNICATION
Effective Date: January 20, 2026
Program Description: By opting in to receive SMS messages from Collection Bureau of
America Ltd. (“we,” “us,” “our”), you consent to receive status updates, billing
notification, payment reminders, delivery updates when applicable, or other matters
pertaining strictly to your Debt Collection services.

  1. One-to-One Consent: By providing your phone number and checking the opt-in
    box, you explicitly agree to receive automated and manual text messages
    from Collection Bureau of America Ltd. only. This consent is not a condition of
    purchase.
  2. Message Frequency: Message frequency varies based on your interactions. You
    can expect to receive up to [7] messages per [week/month].
  3. Pricing: Message and data rates may apply based on your mobile carrier’s terms.
  4. Opt-Out Instructions: You can unsubscribe at any time by replying STOP to any
    message we send. You may also text CANCEL, END, or UNSUBSCRIBE to opt out.
    You will receive one final confirmation message acknowledging your request.
  5. Help & Support: If you need assistance, reply HELP to any message or contact us
    at info@collectionbureauofamerica.com.
  6. Privacy Policy: Your information is handled according to our Privacy Policy,
    which states that mobile information will not be shared with third parties for
    marketing purposes. View our full policy here:
    https://www.collectionbureauofamerica.com/index.php/privacy-policy/.
    i) SMS-specific Privacy Policy
    (1) We will not share your SMS opt-in information with any third party for any
    reason other than to deliver the specific services associated with the
    campaign. However, we may share your personal data, including your SMS
    opt-in or consent status, with third parties that assist us in providing
    messaging services, such as platform providers, phone carriers, and other
    vendors involved in delivering text messages.
  7. Changes to Terms: We may update these terms and conditions from time to
    time. Any changes will be effective when we send a new SMS message or update
    our terms on our website. Your continued use of the SMS service constitutes
    acceptance of the revised terms.
  8. Carrier Liability: Your mobile carrier (e.g., T-Mobile, AT&T) are not liable for
    delayed or undelivered messages or other technical problems.
    By opting in, you acknowledge that you have read, understood, and agree to these terms
    and conditions.

SMS COMMUNICATIONS
If you provide your mobile phone number and consent through our website forms or by initiating contact with us, you may receive SMS messages related to your inquiry. These messages may include responses to inquiries, product information, quotes, and follow-ups.

CONSENT
By providing your mobile number and selecting the consent option on our forms, you expressly agree to receive SMS messages from us. Message frequency varies based on your interaction. Message and data rates may apply.

OPT-OUT
You may opt out of receiving SMS messages at any time by replying STOP to any message. After opting out, you will no longer receive SMS communications from us.

HELP AND SUPPORT
For assistance, reply HELP or contact us at clientresponse@collectionbureauofamerica.com or call 888-306-2045.

DATA USE
We do not sell or share your mobile phone number with third parties for their marketing purposes. Your information is used solely to respond to your inquiry and provide related services as described above.