Terms of Service
Effective Date: 12/24/2025
By providing your phone number and engaging with Bear North Financial Services (“Company,” “we,” “us,” or “our”), you agree to these Terms of Service, including consent to receive text messages as described below.
Consent to Receive Text Messages (SMS/MMS)
By submitting your phone number through our website, forms, intake documents, CRM, or other communication channels, you expressly consent to receive text messages from Bear North Financial Services.
These messages may include:
Appointment confirmations and reminders
Service updates and status notifications
Requests for documents or information
Compliance-related messages
Billing or payment notifications
Customer service communications
Message frequency varies based on your interaction with our services.
Opt-In Disclosure
Consent to receive text messages:
Is not a condition of purchasing services
May be provided via web forms, intake forms, checkboxes, or verbal confirmation
Applies to transactional, informational, and service-related messages
Opt-Out Instructions
You may opt out of text messages at any time by replying:
STOP
After opting out, you will no longer receive SMS messages unless you re-consent. For assistance, reply HELP or contact us directly.
Message & Data Rates
Message and data rates may apply. Carrier charges are determined by your mobile service provider and are not controlled by Bear North Financial Services.
Supported Carriers Disclaimer
Mobile carriers are not liable for delayed or undelivered messages. Delivery is subject to carrier availability and network conditions.
Use of Automated Messaging
We may use automated technology or CRM-based messaging systems to send texts. Messages are sent only to users who have provided consent.
Privacy & Data Use
We respect your privacy.
Your phone number and personal information will not be sold or shared with third parties for marketing purposes
Information is used strictly for business communication and service fulfillment
Data is stored securely and handled in accordance with applicable laws
For more details, please review our Privacy Policy.
User Responsibilities
You agree to:
Provide a valid mobile phone number
Notify us if your number changes
Ensure you have authorization to use the number provided
You are responsible for any messages sent to a number you control.
Service Limitations
We do not guarantee:
Message delivery timing
Continuous availability of SMS services
Compatibility with all devices or carriers
Modification of Messaging Terms
We reserve the right to modify these Terms at any time. Continued use of our messaging services constitutes acceptance of any changes.
Contact Information
For questions about these Terms or our messaging practices, contact:
Bear North Financial Services
Email: [email protected]
Legal Disclaimer
These Terms are provided to support A2P messaging compliance and general business operations. They do not constitute legal advice. Consult legal counsel to ensure full compliance with applicable laws and carrier requirements.