Calls, Texts and Email

1. Two Kinds of Message, Two Different Rules

A service message carries no marketing. A Banrox service message does not contain an offer, a product recommendation, a link to the Banrox marketplace, an upgrade prompt, a discount, or a suggestion that you look at a product. If a message about your account ever carries any of that, Banrox treats it as a marketing message, which means Banrox may send it only if you gave marketing consent, and it counts against the message cap in section 3. A score alert that ends by pointing you at a product is not a service message. If you receive one, that is a defect. Report it to [email protected] and Banrox will fix it and tell you what it did.

Consent is never a condition of anything. You are not required to agree to marketing calls, texts or email in order to open an account, buy a subscription, be matched with a provider, use a calculator, or receive any service. No Banrox calculator, quiz, guide or free tool requires your telephone number in order to give you the result. Those tools ask for an email address, send you what you asked for, and Banrox does not call or text you about it. If you ever see a Banrox form that requires a telephone number before it will give you a result, or that presents a marketing consent as compulsory, or that is missing the consent wording set out in section 2, that form is wrong. Report it to [email protected] and Banrox will fix it.

Using the Banrox site creates no marketing consent. Browsing a page, reading an article, running a calculator, downloading a result, or joining a waitlist is not agreement to be called, texted or emailed with marketing, and Banrox does not rely on any of it as consent. The Terms of Service take the same position about themselves: you accept them by ticking a box that says you agree, or by clicking a button that says you are agreeing, and not by browsing.

Consent to marketing exists only where you ticked a box that was not pre-ticked, next to the consent wording set out in section 2, and then pressed submit. No other action on any Banrox page creates marketing consent. Pressing a button to get a result, to download something, or to save a calculation is not consent to marketing, and Banrox does not treat it as consent.

2. What You Agree To When You Tick the Marketing Box

One consent wording is used on every Banrox form that asks for marketing permission. It is set out below in full. If you ever see different wording on a Banrox form, that form is wrong, the wording below is what Banrox will treat as controlling, and you should report the form to [email protected].

The consent wording, in full. By ticking this box and clicking submit, which I intend as my electronic signature on this agreement, I give Banrox Inc. my prior express written consent to send me marketing calls, marketing text messages and marketing email, including calls and text messages made using an automatic telephone dialing system or an artificial or prerecorded voice, at (626) 555-0142, the telephone number I entered on this form, and at the email address I entered on this form. I understand that by executing this agreement I authorise Banrox Inc. to deliver, or cause to be delivered, advertisements and telemarketing messages to that number using an automatic telephone dialing system or an artificial or prerecorded voice. I understand that I am not required to sign this agreement, directly or indirectly, or to agree to it, as a condition of purchasing any property, goods or services from Banrox, and that I can use Banrox in full without ticking this box. This is the Banrox Offers programme. Banrox Offers sends no more than 8 marketing text messages in any rolling 30 day period, counted for my telephone number across all Banrox marketing campaigns together. Message and data rates may apply. Reply HELP for help. Reply STOP, REVOKE, OPT OUT, CANCEL, UNSUBSCRIBE, END or QUIT, or any other wording that makes my meaning clear, to stop. Carriers are not liable for delayed or undelivered messages. See the Banrox Terms of Service and Privacy Policy.

About the telephone number in that wording. The digits above are an example. The wording carries the telephone number itself, as digits, rather than a cross reference to a box on the page: Banrox renders the number you typed into the wording before you submit, so what you agree to names the number you agreed for. The federal rule at 47 C.F.R. section 64.1200(f)(9) requires the written agreement to include the telephone number to which you authorise the messages, and a reference to a field on a page that was never kept is not that number.

Why the wording mentions calls when Banrox does not make them. The wording authorises marketing calls as well as marketing texts and marketing email, so that the authorisation is complete and in writing if Banrox ever starts making them. Banrox does not make outbound marketing telephone calls today, and section 4 says why not. Ticking the box does not cause a call.

This wording is the only one. Banrox does not use a shorter version for one form and a longer version for another, and does not keep a second consent text anywhere. A box that authorises something narrower, such as messages about your own account, is not this consent and does not become this consent. See section 8.

What Banrox records today, and what it is building. Banrox records that you gave each consent and the date you gave it. Banrox does not yet store the exact wording that was displayed to you at that moment, or the internet address the consent came from. Banrox is building that capture. The California Automatic Renewal Law at Business and Professions Code section 17602(a)(6) requires proof of consent to be kept for three years, or one year after termination, whichever is longer, and that is the standard Banrox is building to. Until it is built, the wording published above is the wording Banrox will treat as the one you saw, and Banrox will not argue otherwise. You may request whatever record exists for you at [email protected].

3. Text Message Program Terms

• Programs. Banrox Alerts, which carries the service messages described in section 1, and Banrox Offers, which carries marketing and requires the separate consent in section 2. The Squad Card waitlist confirmation is a Banrox Alerts message: when you enter your mobile number on the waitlist form at banrox.com/squad and tick the box that says "I agree to receive text messages from Banrox", Banrox sends that number one text with a link that confirms your seat. That box authorises that text and nothing else.
• Frequency. The Squad Card waitlist confirmation is one text per seat. Other Banrox Alerts vary and depend on activity on your account. Banrox Offers is capped at 8 marketing text messages in any rolling 30 day period, counted per telephone number across all Banrox marketing campaigns together, not per campaign and not per calendar month. The cap is enforced in the sending system rather than by a person checking. If the system ever sends you a ninth, tell [email protected] and Banrox will treat that as a defect and say so to you in writing.
• Cost. Message and data rates may apply. Banrox charges nothing for texts. Your carrier may.
• When marketing texts are sent. Banrox sends marketing texts only between 9:00 in the morning and 7:00 in the evening in your local time, never on a Sunday, and never on a state or federal holiday. That window is narrower than federal law requires, and it is explained in section 9.
• To stop. Reply STOP, STOPALL, END, QUIT, CANCEL, UNSUBSCRIBE, REVOKE, OPT OUT, or any other wording that makes clear you want the messages to stop. Banrox does not require a particular word and does not designate one exclusive way to stop. If the automated handler does not recognise what you sent, a person reads it and acts on it, and the date that counts is the date you sent it, not the date a person read it.
• The confirmation you get back. Banrox sends one short confirmation that you have been stopped, normally within five minutes. That confirmation carries no offer, no discount and no marketing of any kind, and nothing further follows it.
• To get help. Reply HELP, email [email protected], or call (888) 888-6401.
• Carriers. Carriers are not liable for delayed or undelivered messages. Supported carriers may change without notice.
• Your number and consent are not shared. The mobile number you give for Banrox text messages, and your consent to receive them, are not shared with any third party or affiliate for their marketing or promotional purposes. Text messaging originator opt-in data and consent are not shared with any third party, except the providers that deliver Banrox text messages, and only so that they can deliver them.
• Your number. Tell Banrox when you change or give up a telephone number. Banrox also checks the Federal Communications Commission Reassigned Numbers Database before a marketing call or text, and stops using a number the database shows has been reassigned since the consent was given. The safe harbour at 47 C.F.R. section 64.1200(m) is available only to a caller that actually made that query, and asking you to tell Banrox is not a substitute for making it. If a message meant for someone else reached you, write to [email protected] and Banrox will remove the number and tell you it has done so.

4. Telephone Calls

Banrox does not make outbound marketing telephone calls. Banrox calls you only when you asked it to call you, or to answer something you raised. Marketing from Banrox reaches you by text and by email, and only if you asked for it. If a caller claims to be selling you something on behalf of Banrox, it is not Banrox. Report it to [email protected].

Why that is the rule and not merely the practice. Several states require a company to register as a telephone solicitor, and in some states to post a bond, before it may solicit their residents by telephone. Banrox holds no telemarketer or telephone solicitor registration of any kind, in any state. Rather than solicit without one, Banrox does not solicit by telephone at all. If that ever changes, Banrox will complete every registration that applies before the first call, and the rules below will govern those calls.

Call recording. Banrox does not record a call unless you are told at the start of that call, before any recording begins. That applies to every call, inbound and outbound. Banrox records calls for quality, training and dispute resolution. If you do not want the call recorded, say so and the recording stops, and you lose nothing by asking: you keep the same service, the same answer and the same rights. Where a call is recorded, Banrox keeps the recording for 5 years, and the telephony provider named at Service Providers and Data Recipients carries and stores it under a contract that bars any use of its own.

The rules that would apply if Banrox ever started making marketing calls. These are written down now so that there is a standard to hold Banrox to on the day it changes its mind. They are not a description of something Banrox does today, because today Banrox makes no marketing calls at all.

• Hours. Only between 9:00 in the morning and 7:00 in the evening in your local time, never on a Sunday, and never on a state or federal holiday. That is narrower than federal law allows, for the reasons in section 9.
• How many. No more than three marketing calls to you about the same subject in any 24 hour period.
• What the caller says. Every marketing call says at the start that it is Banrox Inc. calling, says that the purpose of the call is to tell you about a Banrox product or a product Banrox compares, says what that product is, and gives you a telephone number you can call back.
• Caller display. Banrox sends its own name and its own telephone number to your caller display on every call, and does not mask, spoof or rotate the number it shows you.
• Recorded and artificial voices. Banrox does not use an artificial voice, an AI generated voice, or a prerecorded voice for marketing without your prior express written consent. Where Banrox does use one, the message says at the start that the call is from Banrox Inc., gives a telephone number you can call back, and offers an automated way to opt out, either by speaking or by pressing a key. Using it adds your number to the Banrox do not call list and ends the call at once. If the call reaches your voicemail, the message leaves a toll free number that connects you straight to that same opt out. 47 C.F.R. section 64.1200(b)(3) requires that mechanism, and your consent does not excuse its absence, so Banrox treats a recorded marketing call without it as a call it may not place.
• Do not call. Banrox keeps an internal do not call list, adds you to it at the moment you ask, and keeps the entry for at least five years. Banrox has a written do not call policy, trains the people who make calls on it, and will send you a copy on request at [email protected]. Before any marketing call, Banrox checks the number against a copy of the National Do Not Call Registry obtained within the last 31 days.
• Dialers. Banrox does not use a predictive dialer that abandons calls, and does not leave dead air.
• Numbers you asked Banrox to stop calling. Banrox does not make marketing calls to a number you have asked it to stop calling, whatever words you used to ask.

5. Email

• Who gets marketing email. Banrox sends marketing email only to people who ticked the marketing box and gave the consent in section 2. If you did not tick it, you get service email and nothing else.
• It says what it is. Every Banrox marketing email says near the top that it is an advertisement, unless you gave Banrox the prior express consent in section 2, which is the only thing that removes that duty. Banrox does not rely on having an account, having bought something, or having been a member as a substitute for that consent.
• Two different rules, not one. The exception at 15 U.S.C. section 7704(a)(5)(B) is a consent exception. It removes only the duty to identify the message as an advertisement, and it does not remove the unsubscribe notice or the postal address, which stay on every marketing email whatever you consented to. Transactional and relationship messages are a separate matter: they fall outside the definition of commercial electronic mail altogether at 15 U.S.C. section 7702(2)(B), which is why a receipt or a security notice is not an advertisement and never needs to be labelled as one. Banrox does not use a relationship with you as a reason to leave a label off a message that is selling something.
• Unsubscribe. Every marketing email carries a working unsubscribe link and the Banrox postal address at Banrox Inc., 40 N Altadena Dr, Ste 105, Pasadena, CA 91107.
• How long the link keeps working. The unsubscribe link in a Banrox marketing email keeps working for at least 30 days after the email was sent, which is what 15 U.S.C. section 7704(a)(3)(A)(ii) requires, and Banrox keeps them working after that as well.
• What it costs to unsubscribe. Nothing. Banrox does not charge a fee, does not ask you to sign in, does not ask for anything beyond your email address and what you want stopped, and does not make you visit more than one page.
• How fast. Unsubscribes take effect within 10 business days, and normally within minutes.
• Mobile addresses. Banrox does not send marketing email to an address on the Federal Communications Commission list of domain names used for mobile messaging without express prior authorisation for that specific address. That list has not been updated since 11 August 2016, so Banrox does not treat it as a complete picture and applies the same rule to any address it can see is a carrier messaging gateway.
• Honest headers. Subject lines and sender names describe the message honestly. Banrox does not disguise a marketing email as a service notice.
• Not for sale. Banrox does not sell or rent your email address, and does not send you email on behalf of a third party.
• What continues. Transactional and account email continues after you unsubscribe from marketing, because the law treats it differently and because you need it.

6. Withdrawing Consent, in Any Reasonable Way

You may revoke consent to marketing calls, texts, or email by any reasonable method, and Banrox honours it however it arrives. That includes:

• Replying STOP, REVOKE, OPT OUT, or any similar word to a text
• Clicking unsubscribe in an email
• Telling any Banrox agent by phone or chat
• Emailing [email protected] or [email protected] with any wording that makes your meaning clear
• Writing to Banrox Inc., Attn: Legal, 40 N Altadena Dr, Ste 105, Pasadena, CA 91107
• Using the communication preferences in your account

A revocation is honoured within 10 business days at the outside, and in practice immediately for text and email. Banrox does not ask you to use one exclusive method, does not require a specific word, and does not require you to state a reason. Revoking marketing consent does not affect service messages or your account, and it does not affect your subscription, your price, or anything you have paid for.

One stop stops everything. A stop request sent to any Banrox marketing programme stops every Banrox marketing programme, by text, by call and by email, unless you tell Banrox that you want only one of them stopped. Banrox does this because it is the sensible way round and because a person who says stop means stop. The Federal Communications Commission rule that will require a revocation to apply to all robocalls and robotexts from the same caller takes effect on 31 January 2027 and is not in force today. Banrox is not waiting for it.

7. What Happens When You Ask to Be Matched With a Provider

If you ask Banrox to match you with a lender, bank, card issuer, or insurer, the form names each provider that will receive your request, in text you can read before you submit, and your consent runs to those named providers only. Banrox does not use a category, a network name, or a link to a list as a substitute for naming them. A provider that was not named on the form you saw does not receive your telephone number and has no consent to call or text you. Banrox does not place your number on a shared list, does not sell it into a bidding exchange, and does not give it to companies you did not ask about.

The Federal Communications Commission rule that would have required a separate consent for each identified seller was vacated in Insurance Marketing Coalition Ltd. v. FCC and has been removed from the Code of Federal Regulations, so it is not a rule Banrox can point to. Seller specific consent still matters under the state telephone statutes named in section 9, which require the consent to run to an identified seller rather than to a category. Banrox names the sellers because those statutes require it and because you are entitled to know who is about to telephone you.

To stop a provider contacting you, tell that provider. Banrox will tell you which providers received your request if you ask at [email protected], and will pass on your stop request as well.

8. Waitlist Numbers, Invitations, and Boxes That Are Not Marketing Consent

A number given on a signup or a waitlist form is not a marketing number. Banrox does not send marketing texts or marketing calls to a telephone number given on a signup form, a waitlist form, or any form whose purpose was to create or queue an account. Updates about a product you are waiting for go by email. If Banrox later wants to text you about that product, it will ask separately, on a form, with a box that is not pre-ticked, carrying the wording in section 2, and you can say no and keep your place in the queue.

A box that authorises account messages is not marketing consent. Some Banrox signup forms carry an optional box that asks whether you want text messages about your own account, your own queue position, or your own report. Wording of that kind authorises service messaging about something you already asked for. It does not contain an authorisation for an automatic telephone dialing system or an artificial or prerecorded voice, it does not state that ticking it is your signature, and it does not carry the disclosure that you are not required to tick it as a condition of buying anything. It therefore does not meet 47 C.F.R. section 64.1200(f)(9), and Banrox does not treat it as marketing consent. Marketing consent comes from the wording in section 2 and from nowhere else.

Invitations. An invitation to another person goes by email only. Banrox does not text an invitation to anyone and does not accept a telephone number for an invitation. Banrox sends the invitation once, names you as the person who sent it, and gives the recipient a one click way to stop hearing from Banrox. Where a reward is offered for inviting, Banrox is the sender of that email in law and takes responsibility for it rather than describing it as a message from you. You must have the person's permission before you give Banrox their contact details.

9. State Rules That Go Further Than Federal Law

Several states impose stricter requirements on calls and texts than federal law does, including narrower hours, limits on how many times you may be contacted, and rules about how consent is obtained on a lead form. Banrox applies the strictest applicable rule to every recipient rather than varying by state, so the window in sections 3 and 4 is the narrowest one in the country and it is used everywhere.

If you live in any of those states, or in any other state with a telephone solicitation statute, those protections apply to you and Banrox does not ask you to waive them. Where a state gives you a private right of action for a call or a text, that right applies, and nothing in the Banrox Terms of Service, including the arbitration section, is offered as a waiver of the statute itself.

10. If Someone Contacts You Pretending to Be Banrox

Banrox will never ask you for your full Social Security number, your password, a one time security code, your card CVV, or a payment in gift cards, cryptocurrency, or a wire transfer. Banrox will never call to tell you your account is compromised and ask you to move money to keep it safe. Banrox does not make outbound marketing calls at all, so a caller offering to sell you something on behalf of Banrox is not Banrox. If someone does any of that while claiming to be Banrox, hang up and report it to [email protected] or call (888) 888-6401 using the number on this site rather than a number the caller gives you.

11. Complaints

If you believe you received a message you did not consent to, write to [email protected] with the number or address and the date. Banrox will find the consent record or confirm that there is not one, tell you which, and stop the contact either way. You may also complain to the Federal Communications Commission at fcc.gov/complaints, to the Federal Trade Commission at reportfraud.ftc.gov, or to your state attorney general. See Complaints, Disputes and Regulator Contacts.