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Terms and Conditions

Website & Messaging Terms of Service

Effective Date: October, 2026

Welcome to Bay State Savings Bank. By accessing our website, utilizing our financial services, or interacting with our toll-free voice and messaging programs (supported by telecommunications partners including Telnyx), you agree to comply with and be bound by the following Terms and Conditions. Please review them carefully.

1. Acceptance of Terms

By using our digital platforms, submitting contact or loan application forms, or opting in to receive communication via our toll-free numbers, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions and our Privacy Policy.

2. Toll-Free Voice & SMS Messaging Program

Mobile Messaging Terms & Conditions (Telnyx Compliance):

  • Program Description: Bay State Savings Bank offers transactional and marketing alerts, technical inquiries, engineering updates, customer communications, and service notifications via SMS/MMS utilizing toll-free numbers.
  • User Consent: By checking the opt-in consent boxes on our web forms and submitting your mobile phone number, you explicitly consent to receive recurring automated text messages from us. Consent is not a condition of any purchase or loan application.
  • Opt-Out Procedure: You can cancel or unsubscribe from the SMS service at any time. Reply "STOP" to any text message received from us. You will receive a final confirmation message, and no further text messages will be sent to your device.
  • Customer Support / Help: For assistance or questions regarding our messaging program, reply "HELP" to any message, or reach out to our support team at info@beystatesavingsbank.com or call +1 (617) 739-9500.
  • Carrier Disclaimer: Wireless carriers and telecommunications providers (such as Telnyx) are not liable for delayed or undelivered messages. Message and data rates may apply for any messages sent or received. Message frequency varies.

3. Use of Services & User Conduct

When using our website and services, you agree not to:

  • Provide false, inaccurate, or misleading contact information or impersonate any individual or entity.
  • Engage in any unlawful, fraudulent, or malicious activity that disrupts website functionality or telecommunication infrastructure.
  • Attempt to gain unauthorized access to our secure servers, client accounts, or banking systems.

4. Intellectual Property Rights

All content, logos, graphics, text, icons, images, and software displayed on this website are the property of Bay State Savings Bank or its content suppliers and are protected under applicable copyright and trademark laws. Unauthorized use is strictly prohibited.

5. Limitation of Liability

Bay State Savings Bank, its directors, employees, and telecommunication partners (including Telnyx) shall not be held liable for any indirect, incidental, special, consequential, or punitive damages arising out of or in connection with your use of our website, financial tools, toll-free lines, or messaging services.

6. Modifications to Terms

We reserve the right to modify, amend, or update these Terms and Conditions at any given time without prior notice. Continued use of our website and services following any changes constitutes your formal acceptance of the revised terms.

7. Governing Law

These Terms and Conditions shall be governed by and construed in accordance with the laws of the Commonwealth of Massachusetts, United States, without regard to its conflict of law provisions.

8. Contact Information

If you have any questions or concerns regarding these Terms and Conditions, please contact us at:

Bay State Savings Bank
1299 Beacon St, Brookline, MA 02146, USA
Phone: +1 (617) 739-9500
Email: info@beystatesavingsbank.com