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SMS Terms & Conditions

Last updated: October 2, 2026

1. About the SMS Service

These SMS Terms & Conditions govern text messages sent by BPF Wealth Ltd., referred to in these terms as “BPF Wealth,” “we,” “our,” or “us.”

BPF Wealth provides financial planning, portfolio construction, tax planning, and related client services. Its website identifies office locations at 680 N. Terminal Avenue in Nanaimo, British Columbia, and 176 4th Street in Duncan, British Columbia.

The BPF Wealth SMS program is intended for direct, conversational, and service-related communications with current and prospective clients who have provided consent to receive text messages.

2. Types of Messages

By opting in, you agree to receive SMS messages from BPF Wealth’s Customer Care and Account Notification program.

Messages may include:

  • Responses to client inquiries
  • Appointment scheduling, confirmations, and reminders
  • Meeting follow-ups
  • Account-related service notifications
  • Requests for documents or missing information
  • Confirmation that documents or instructions were received
  • Client onboarding communications
  • Financial planning service communications
  • Advisor-to-client conversational messages
  • Office closure or service availability notices
  • Other non-promotional client service communications

The SMS service is not intended for unsolicited advertising, bulk marketing, or the delivery of investment instructions requiring a secure or formally approved communication channel.

3. How You Opt In

You may opt in to receive SMS messages from BPF Wealth by:

  • Providing your mobile number to a BPF Wealth advisor and requesting text message communication
  • Sending an SMS message to a BPF Wealth SMS-enabled business number
  • Completing a client onboarding or service form containing an SMS consent option
  • Selecting an unchecked SMS consent checkbox on a BPF Wealth website form
  • Providing documented verbal or written consent to a BPF Wealth representative

By opting in to receive text messages, you agree to receive SMS from BPF Wealth’s Customer Care and Account Notification program.

Consent to receive SMS messages is not a condition of purchasing products or services from BPF Wealth.

4. Message Frequency

Message frequency varies depending on your requests, appointments, account servicing needs, and active conversations with BPF Wealth.

BPF Wealth does not guarantee a specific number of messages. You may receive multiple messages when actively communicating with an advisor or resolving a client service matter.

5. Message and Data Rates

Standard message and data rates may apply.

Your mobile carrier may charge you for sending or receiving SMS or MMS messages according to your wireless service plan. BPF Wealth is not responsible for charges imposed by your mobile carrier.

6. How to Opt Out

You can stop receiving SMS messages from BPF Wealth at any time by replying: STOP

After submitting an opt-out request, you may receive a final confirmation message indicating that you have been unsubscribed. No additional messages will be sent from that SMS program unless you provide consent again or initiate a new conversation where permitted.

Opting out of SMS does not prevent BPF Wealth from contacting you through another authorized method when necessary to service your account or respond to your request.

7. How to Get Help

For SMS assistance, reply: HELP

You may also contact BPF Wealth using the following information:

These locations and public telephone numbers are displayed on BPF Wealth’s website.

8. Privacy and Mobile Information

BPF Wealth respects your privacy.

Mobile information collected through the SMS program may include:

  • Your name
  • Your mobile telephone number
  • SMS opt-in and opt-out records
  • Message content
  • Message timestamps and delivery information
  • Information you voluntarily provide during an SMS conversation

This information may be used to:

  • Provide and manage the SMS service
  • Communicate with you regarding appointments and client services
  • Respond to your questions and requests
  • Maintain consent and opt-out records
  • Protect the security and integrity of the service
  • Fulfil applicable regulatory, legal, compliance, or recordkeeping obligations

Mobile opt-in data will not be shared with third parties for marketing purposes. Mobile telephone numbers, SMS consent records, and SMS opt-in information will not be sold, rented, or provided to unaffiliated parties for their advertising or promotional use.

Information may be disclosed to service providers that support the delivery, security, hosting, administration, or regulatory operation of the SMS service, but only as necessary to provide those services or meet applicable obligations.

9. No Sensitive Information by SMS

SMS is not guaranteed to be a secure or encrypted communication method.

Do not send the following information by SMS:

  • Passwords or authentication credentials
  • Social insurance numbers
  • Complete banking or payment card information
  • Copies of government identification
  • Detailed investment account statements
  • Instructions to buy, sell, transfer, or redeem investments
  • Time-sensitive trade instructions
  • Other sensitive financial or identity information

BPF Wealth may redirect a conversation to a telephone call, secure client system, email, or another approved communication method when appropriate.

10. No Financial Advice Through Automated Messages

General reminders, service notifications, or administrative SMS messages do not constitute financial, investment, tax, or legal advice.

You should speak directly with an authorized BPF Wealth representative before acting on information concerning your financial plan, portfolio, account, tax situation, or investment products.

11. Delivery and Availability

SMS delivery is subject to mobile carrier availability, network conditions, device compatibility, and other circumstances outside BPF Wealth’s control.

Messages may be delayed, duplicated, filtered, or not delivered. BPF Wealth and its service providers are not responsible for delivery failures or delays caused by mobile carriers, telecommunications networks, incompatible devices, or circumstances beyond their reasonable control.

Not all mobile devices or carriers may support the service.

12. Supported Carriers

Participation is subject to your mobile carrier’s coverage, services, and terms. Mobile carriers are not responsible for delayed or undelivered messages.

13. Eligibility and Responsibility for the Number

By opting in, you confirm that:

  • You are the subscriber or authorized user of the mobile number provided
  • You are authorized to consent to SMS communication at that number
  • The information you provide is accurate
  • You will notify BPF Wealth if the number is reassigned, disconnected, or no longer under your control

If your mobile number changes ownership, you should reply STOP before discontinuing use of the number or contact BPF Wealth to update your communication preferences.

14. Changes to These Terms

BPF Wealth may update these SMS Terms & Conditions from time to time.

The updated version will be published on the BPF Wealth website with a revised “Last updated” date. Continued use of the SMS service following publication of revised terms constitutes acceptance of those revised terms, subject to applicable law.

15. Contact Information

Questions concerning these SMS Terms & Conditions may be directed to:

BPF Wealth Ltd.
680 N. Terminal Avenue
Nanaimo, British Columbia V9S 4K2
Canada

Telephone: 250-716-7000
Toll-free: 1-877-716-7767
Website: https://www.bpfwealth.ca
Contact page: https://www.bpfwealth.ca/contact.html