Legal Information and Compliance - SupraFI Terms

SMS & Cookies Notices

SupraFI SMS Messaging Opt‑In Policy (CTIA‑Compliant)

Effective Date: 3/1/2026
Version: 1.0

1. Overview

SupraFI uses SMS messaging to deliver account notifications, authentication codes, service alerts, and other communications that support our digital banking and financial technology services. SMS messages are transmitted through our messaging provider, Infobip. All messaging programs comply with CTIA guidelines, carrier requirements, and applicable federal and state regulations.

By opting in to receive SMS messages from SupraFI, you agree to the terms outlined in this policy.

2. Opt‑In Requirements

To comply with CTIA’s Messaging Principles & Best Practices, SupraFI requires express, verifiable consent before sending any SMS messages. Users may opt in through one or more of the following approved methods:

  • Online Web Form: Checking an SMS consent box during account creation or service enrollment.
  • Digital Application Flow: Providing a mobile number and affirmatively selecting “I agree to receive SMS messages.”
  • Two‑Factor Authentication Enrollment: Entering a mobile number and confirming via verification code.
  • Transactional Consent: Opting in during a secure online transaction where SMS delivery is required (e.g., one‑time passcodes).

Consent is never obtained through pre‑checked boxes, implied consent, or bundled consent.

3. Required Opt‑In Disclosures

At the point of opt‑in, SupraFI clearly discloses:

  • Program Description: “You agree to receive SMS messages from SupraFI related to account activity, authentication, service updates, and support.”
  • Message Frequency: “Message frequency varies based on your use of SupraFI services.”
  • Cost Notice: “Message and data rates may apply.”
  • Support Contact: “For help, contact SupraFI Support at [support email or phone].”
  • Opt‑Out Instructions: “Reply STOP to cancel at any time.”
  • Privacy Notice: “Your mobile number will be used only for SupraFI communications. See our Privacy Policy for details.”

These disclosures appear adjacent to the opt‑in mechanism and are not hidden behind links or secondary pages.

4. Message Origin and Identification

All SMS messages sent by SupraFI:

  • Clearly identify SupraFI as the sender.
  • Are delivered through Infobip as our messaging provider.
  • Contain only content consistent with the user’s opt‑in.
  • Do not include marketing content unless the user has separately opted in to marketing messages.

5. Opt‑Out Mechanism

Users may opt out at any time by:

  • Replying STOP to any SupraFI message
  • Updating communication preferences in their online account
  • Contacting SupraFI Support directly

Upon receiving a STOP request, SupraFI immediately ceases messaging to that number, except for a single confirmation message acknowledging the opt‑out.

6. Help / Support Commands

Users may request assistance at any time by replying HELP. HELP responses include:

  • SupraFI support contact information
  • A brief description of the messaging program
  • Instructions for opting out

7. Data Use and Privacy

SupraFI uses mobile numbers solely for the purposes disclosed at opt‑in. We do not sell, rent, or share mobile numbers with third parties for marketing purposes. All data handling complies with:

  • CTIA guidelines
  • Applicable federal and state privacy laws
  • SupraFI’s internal security and data protection standards

8. Program Changes

If SupraFI materially changes the nature of the SMS program (e.g., adding marketing content), we will obtain new, explicit opt‑in consent before sending messages under the revised program.

9. Carrier and CTIA Compliance

SupraFI adheres to:

  • CTIA Messaging Principles & Best Practices
  • Carrier‑specific messaging rules
  • Industry standards for consumer protection, privacy, and spam prevention

Carriers are not liable for delayed or undelivered messages.

Cookies Policy

Effective Date: 3/1/2026
Version: 1.0

1. Introduction

This Cookies Policy explains how SupraFI ("we," "our," or "us") uses cookies and similar tracking technologies when you visit and interact with our website or mobile application (the "Platform"). By continuing to use the Platform, you agree to the use of cookies in accordance with this policy.

2. What Are Cookies?

Cookies are small text files that are stored on your device (computer, smartphone, or other devices) when you visit a website or use an app. They are widely used to make websites work more efficiently, as well as to provide information to the owners of the site.

Cookies perform various functions, such as remembering your preferences, enabling you to navigate between pages efficiently, and generally improving your user experience.

3. Types of Cookies We Use

3.1. Strictly Necessary Cookies

These cookies are essential for the Platform to function and cannot be switched off in our systems. They are usually set in response to actions made by you, such as setting your privacy preferences, logging in, or filling out forms. Without these cookies, certain parts of the Platform will not work.

3.2. Performance and Analytics Cookies

These cookies allow us to collect information about how users interact with the Platform, such as which pages are visited most frequently and any error messages that may occur. This information is aggregated and anonymous, and it helps us improve the performance and design of the Platform.

3.3. Functionality Cookies

Functionality cookies are used to remember your preferences and choices (such as your username, language, or region) to provide a more personalized experience. These cookies ensure that you do not have to enter certain information again when revisiting the Platform.

3.4. Targeting and Advertising Cookies

We use these cookies to track your browsing habits and deliver advertisements that are more relevant to you. They may be set by us or third-party partners to build a profile of your interests and show you ads on other sites. These cookies do not store personal information but are based on uniquely identifying your browser and internet device.

3.5. Social Media Cookies

Social media cookies allow you to share content from the Platform on social media channels, such as Facebook, Twitter, or LinkedIn. These cookies are usually set by the social media platform itself and allow them to track your engagement and interactions with their services.

4. Third-Party Cookies

Some cookies on the Platform are set by third-party service providers to track user behavior and deliver targeted ads. These third-party cookies are subject to their own privacy policies and cookie practices. We do not have control over how these third-party cookies are managed.

Examples of third-party services we may use include:

  • Google Analytics: To track site usage and performance.
  • Facebook Pixel: For targeted advertising and audience measurement.
  • LinkedIn Insights Tag: For ad targeting and conversion tracking.

5. How We Use Cookies

We use cookies to:

  • Ensure the Platform functions properly.
  • Provide a secure browsing experience.
  • Measure and improve the Platform’s performance.
  • Remember your preferences and personalize your experience.
  • Deliver relevant content and advertising tailored to your interests.

6. Managing Cookies

You have the right to accept or reject cookies. You can manage your cookie preferences at any time by adjusting your browser settings. Here’s how you can manage cookies for different browsers:

Please note that disabling cookies may affect your experience on the Platform and prevent certain features from functioning properly.

7. Cookie Consent

When you first visit our Platform, you will be asked to consent to the use of cookies via a cookie banner. You can change your cookie preferences at any time, either through the cookie banner or in your browser settings.

8. Updates to This Cookies Policy

We may update this Cookies Policy from time to time in response to changes in legal, technical, or business developments. When we update our Cookies Policy, we will post the updated version on our Platform and update the "Effective Date" at the top of the policy. We encourage you to review this policy periodically to stay informed about how we are using cookies.

9. Contact Information

If you have any questions or concerns about our use of cookies, please contact us at: 

Contact:  Policy Manger

Email: policies@suprafi.net

Phone: (719) 895-9920

Mail: 1603 Capitol Avenue Ste. 405, Cheyenne, WY 82001

By using SupraFI, you agree to the use of cookies as described in this Cookies Policy.y

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