Privacy Statement
| Facts | WHAT DOES THE COLORADO BANK & TRUST COMPANY OF LA JUNTA DO WITH YOUR PERSONAL INFORMATION? |
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include: • Social Security number and account balances • account transactions and credit history • transaction history and payment history When you are no longer our customer, we continue to share your information as described in this notice. |
| How? | All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons The Colorado Bank & Trust Company of La Junta chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does The Colorado Bank & Trust Company of La Junta Share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes- such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes- to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes- information about your transactions and experiences | No | We don't share |
| For our affiliates' everyday business purposes- information about your creditworthiness | No | We don't share |
| For non-affiliates to market to you | No | We don't share |
| Questions? | Call (719) 384-8131 or go to Visit www.colobank.com |
| Who we are | no |
| Who is providing this notice? | The Colorado Bank & Trust Company of La Junta |
| What we do | no |
| How does the Colorado Bank & Trust Company of La Junta protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does the Colorado Bank & Trust Company of La Junta collect my personal information? | We collect your personal information, for example, when you:
|
| Why can't I limit all sharing? | Federal law gives you the right to limit only:
|
| Definitions | no |
|---|---|
| Affiliates |
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| Non-affiliates |
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| Joint marketing |
|
The Colorado Bank & Trust Company of La Junta
Privacy Policy for SMS Messaging
Effective Date: 06.03.2026
Introduction
At The Colorado Bank & Trust Company of La Junta, your privacy is critically important to us. This Privacy Policy explains how we collect, use, and protect your personal information when you opt into our SMS messaging program. By opting into our SMS service, you agree to the terms outlined below, which are in compliance with the latest 2024 regulations under the Telephone Consumer Protection Act (TCPA) and the Campaign Registry guidelines.
- Information We Collect
When you opt-in to receive SMS messages from us, we collect the following information:
- Name.
- Phone Number: The mobile number provided during the opt-in process.
- Message Content.
- Any other information you provide us through SMS.
- Message Interaction Data: Includes information such as delivery status, response data, and message engagement rates.
- Consent Data: We maintain records of when and how you provided consent to receive SMS messages, including the method of opt-in (e.g., web form, keyword, or verbal consent).
- How We Use Your Information
We use your information to:
- Send text messages based on the preferences you indicated when opting in, such as promotional offers, updates, or alerts.
- Ensure compliance with federal regulations, including the TCPA.
- Monitor and improve our SMS services by tracking engagement metrics.
- We use the information collected to provide customer support.
Your information will only be used for the purpose specified at the time of opt-in and will not be used to send unrelated messages.
- One-to-One Consent Requirement
In line with FCC regulations (March 2024), your SMS opt-in applies to communications from American Settlement Funding only. Your consent to receive SMS messages is specific to our company and does not extend to third-party businesses or affiliates unless explicitly stated and separately agreed upon.
- Message Frequency and Data Rates
The SMS message frequency will vary. Messages will be sent as needed or per user request. Please note that message and data rates may apply depending on your mobile carrier and plan. We encourage you to review your carrier’s terms for more details on messaging fees.
- Opt-Out Instructions
You can opt out of our SMS service at any time by replying with “STOP” to any message you receive from us. Once you opt out, you will immediately cease receiving further messages unless you opt back in. For help, you can reply with “HELP” or contact us directly at customerservice@colobank.com or 719-384-8131.
- Data Sharing and Disclosure
We will never share or sell your information to third parties for marketing purposes without your explicit consent. We may, however, share your information with trusted third-party service providers for the purpose of facilitating SMS delivery (e.g., telecommunications providers). All such parties are bound by strict confidentiality agreements and are prohibited from using your data for any purpose other than SMS delivery.
In compliance with Do Not Call (DNC) Registry regulations (2024), you have the right to register your number with the National DNC Registry. If you are on the DNC Registry, we will not send you promotional SMS messages unless you have provided express consent to do so.
- Security of Your Information
We take reasonable measures to protect the information you provide from unauthorized access, disclosure, or misuse. However, no system is completely secure, and we cannot guarantee the absolute security of your data during transmission or storage.
- Record-Keeping and Proof of Consent
As required by the TCPA and Campaign Registry guidelines, we maintain records of all opt-ins and opt-outs, including timestamps and the method of consent. These records are kept securely and may be used to demonstrate compliance with regulatory requirements if needed.
- Changes to This Policy
We reserve the right to update or modify this Privacy Policy at any time. Any significant changes will be communicated via SMS or on our website. Continued use of our SMS service after any changes indicates your acceptance of the revised policy. Please check back periodically to stay informed of any updates.
- Contact Us
If you have any questions about this Privacy Policy or wish to update your SMS preferences, you can contact us at:
- Email: customerservice@colobank.com
- Phone: 719-384-8131
- Address: 301 Colorado Ave, La Junta CO 81050
Links:
- Terms and Conditions: https://www.colobank.com/home/privacypolicies/
- Privacy Policy: https://www.colobank.com/home/privacypolicies/
- National Do Not Call Registry: https://www.donotcall.gov/
Key 2024 Compliance Elements:
- One-to-One Consent: Consumers are only giving consent to receive messages from the specific business they opt into, not from multiple parties
- Clear Disclosures: The policy includes clear language about the nature of the messages, frequency, potential charges, and opt-out mechanisms
The Colorado Bank & Trust Company of La Junta
SMS Terms and Conditions
Effective Date: 06.03.2026
Introduction
By joining our SMS program provided by The Colorado Bank & Trust Co of La Junta you agree to receive recurring text messages (notifications, updates, and reminders) on the number you provide, under these Terms that adhere to TCPA (2026) and CTIA Best Practices.
- Opt-In Consent
In accordance with the 2026 TCPA guidelines, your participation in our SMS service requires explicit one-to-one consent. This means that by opting in, you consent to receive messages from Add Your Business Name only. Consent cannot be shared with other companies or third-party entities without your direct approval.
To join our SMS program, you may opt in through the following methods, in compliance with the 2026 CTIA Guidelines:
- Web Form: Provide consent by checking a clearly labeled checkbox explicitly stating SMS program enrollment during the opt-in process.
- Verbal Consent: Offer verbal consent by clearly agreeing to SMS participation after being read a compliant SMS consent disclosure.
- In-Person Paper Form: Sign or complete a paper intake form that includes a dedicated section with clear language outlining SMS consent.
- E-mail Opt-In: Provide consent by replying to an email or completing an electronically signed document that includes clear SMS consent language.
- Message Frequency
You will receive no more than 3-5 messages per day, unless for urgent notifications. Standard carrier rates apply. - Opt-Out Process
Reply “STOP” any time to end messages; “HELP” to receive support instructions; or contact customerservice@colobank.com or call 719-384-8131 - Terms of Consent
Your consent is voluntary and not a condition of purchase. You may receive informational messages as described at opt-in. - Privacy Policy
Your mobile number and interaction data are governed by our Privacy Policy. Data is used solely for SMS delivery purposes. - Message & Data Rates
Standard rates may apply per your carrier plan. Add Your Business Name is not liable for carrier charges. - Record-Keeping & Compliance
We maintain detailed logs of opt-ins/opt-outs (dates, times, methods) to satisfy TCPA 2026 proof-of-consent requirements. - Changes to Terms
We reserve the right to update these Terms. Significant changes will be sent via SMS or posted online. Continued participation implies acceptance. - Disclaimers & Liability
Message delivery depends on carrier networks; we cannot guarantee uninterrupted service or delivery times.
Contact Information
Email: customerservice@colobank.com
Phone: 719-384-8131
Address: 301 Colorado Ave, La Junta CO 81050