SMS Terms & Conditions
Effective Date: May 18, 2026
Last Updated: October 26, 2026
Entity: Olgas Friends LLC, doing business as Blackburn Business Capital
Program Operator: Blackburn Business Capital
1. Program Description
Welcome to the Blackburn Business Capital SMS program. These SMS Terms and Conditions ("SMS Terms") govern your use of and participation in text messaging communications from Olgas Friends LLC, doing business as Blackburn Business Capital ("BBC," "we," "us," or "our").
By providing your mobile telephone number to BBC and opting in to receive text messages, you agree to these SMS Terms, our Privacy Policy, our Terms of Use, and our Do Not Call Policy.
2. Consent and Opt-In
BBC operates one text messaging program for people who request financing information or start an application.
What it covers
Confirmation that we received your request, scheduling calls, document requests, application status updates, approval and funding notifications, and occasional follow-ups about financing options from Blackburn Business Capital.
How to opt in: Check the optional, unchecked text-message consent box on the Contact or Apply form at blackburnbusinesscapital.com ("Yes, text me about my financing request from Blackburn Business Capital…"). Consent is optional and is not a condition of submitting a form, obtaining BBC's services, or any financing.
2.1 Express Written Consent
By checking the text-message consent box, you provide prior express written consent under the Telephone Consumer Protection Act ("TCPA"), 47 U.S.C. § 227, and applicable FCC regulations, for Blackburn Business Capital to send you SMS and MMS messages using automated technology, including automatic telephone dialing systems and AI-generated messages.
2.2 Age Requirement
You must be at least 18 years of age and the account holder or authorized user of the mobile telephone number you provide.
3. Types of Messages You May Receive
Depending on the program(s) you opt in to, you may receive:
- Application updates: Status of your financing application, documents needed, approval notifications;
- Appointment reminders: Scheduled calls or meetings with your BBC advisor;
- Account servicing: Payment reminders, account notifications, funding confirmations;
- Verification and security: Identity verification, fraud alerts, two-factor authentication codes;
- Marketing offers: Special financing programs, promotional rates, new product announcements;
- Educational content: Market updates, financing tips, industry news;
- Event invitations: Webinars, networking events, industry conferences;
- Surveys and feedback: Customer satisfaction surveys and feedback requests.
4. Message Frequency
Message frequency varies based on:
- The program(s) you have opted in to;
- The stage of your application or financing relationship;
- Specific events triggering operational messages (such as document requests or status changes);
- Promotional campaigns and seasonal offers.
You may receive multiple messages per day during active application processing, and fewer messages (or none) during periods of inactivity. There is no fixed maximum number of messages per month, but BBC will not send excessive messages.
5. Cost and Data Rates
Standard message and data rates may apply. Your wireless carrier may charge you for sending and receiving text messages, including the messages BBC sends to you and any messages you send to BBC (including STOP and HELP commands). Check your mobile service plan for details. BBC is not responsible for any charges imposed by your wireless carrier.
BBC does not charge you a fee to participate in the SMS program. However, certain MMS messages (multimedia messages containing images or video) may incur higher charges from your carrier than standard SMS messages.
6. Keywords and Commands
You can interact with the BBC SMS program using the following keywords:
| Keyword | What It Does |
|---|
STOP | Opt out of all SMS messages from BBC. You will receive one confirmation message. |
UNSUBSCRIBE | Same as STOP — opt out of all messages. |
CANCEL | Same as STOP — opt out of all messages. |
END | Same as STOP — opt out of all messages. |
QUIT | Same as STOP — opt out of all messages. |
HELP | Receive help information, including contact details and program description. |
INFO | Receive information about the BBC SMS program. |
START | Opt back in to the SMS program after a previous opt-out. |
Keywords are not case-sensitive. You can send them in any combination of upper or lowercase letters.
7. How to Opt Out
Stop SMS Messages from BBC
You can opt out of BBC SMS messages at any time by any of the following methods:
- Reply STOP to any SMS or MMS message you receive from BBC. You will receive one final confirmation message confirming your opt-out, after which no further messages will be sent.
- Email legal@bbizcap.com with subject line "STOP SMS" and include the mobile telephone number(s) to be removed.
- Call (954) 280-3922 and request to be removed from the SMS program.
- Mail a written request to: Blackburn Business Capital, Attn: Legal Department, 1520 E Sunrise Blvd, Fort Lauderdale, FL 33304.
Opt-out requests are processed automatically and immediately for SMS-based opt-outs, and within ten (10) business days for opt-outs received through other channels (typically within one business day).
8. How to Opt Back In
If you have previously opted out of the BBC SMS program and wish to opt back in, you may:
- Reply START to any prior BBC SMS message;
- Re-submit consent through the BBC application;
- Email legal@bbizcap.com requesting reactivation;
- Call (954) 280-3922 and verbally request reactivation.
9. Getting Help
If you need help with the BBC SMS program:
10. Supported Carriers
The BBC SMS program is compatible with major U.S. wireless carriers, including but not limited to:
AT&T, T-Mobile, Verizon Wireless, Sprint, Boost Mobile, U.S. Cellular, Cricket Wireless, MetroPCS, Virgin Mobile, and most other U.S. carriers and mobile virtual network operators (MVNOs).
Carrier Disclaimer: Wireless carriers, including the carriers listed above, are not liable for delayed or undelivered messages. Delivery of messages depends on factors outside BBC's control, including carrier network conditions, your device's status, and your wireless service plan.
11. Privacy and Data Handling
Information you provide to BBC through the SMS program (including your mobile telephone number, message content, and timing data) is handled in accordance with our Privacy Policy.
11.1 Data Sharing Restrictions
BBC will not sell or share your mobile telephone number or SMS opt-in data with third parties for their independent marketing purposes. Your SMS opt-in data is used solely for the SMS programs you have authorized, and any sharing is limited to:
- Our SMS service provider (currently Telnyx), which is contractually bound to process data only on BBC's behalf;
- Our customer relationship management platform (OneFocus CRM) for purposes of managing your communications with BBC;
- Legal and regulatory disclosures required by applicable law.
Text messaging originator opt-in data and consent will not be shared with any third parties, including lending partners. Text messages come only from Blackburn Business Capital.
11.2 Security
SMS communications are transmitted over wireless carrier networks. While BBC uses industry-standard practices to protect data within our systems, SMS messages themselves are not encrypted end-to-end. Do not send sensitive personal information (such as Social Security Numbers or financial account numbers) via SMS.
12. Automated Technology Disclosure
By opting in to BBC's SMS program, you specifically acknowledge and consent that:
- SMS messages from BBC may be sent using automatic telephone dialing systems (ATDS), autodialers, predictive dialers, or other automated dialing technology;
- SMS messages may be sent using artificial or prerecorded text, including AI-generated content, automated workflows, and templated messages;
- Some messages may be triggered automatically by events in BBC's customer relationship management system (such as application stage changes) without manual human review of each individual message;
- This disclosure is provided to satisfy the TCPA's requirement that consumers be informed of the use of automated technology at the time consent is obtained.
13. Limitation of Liability
To the fullest extent permitted by law, BBC, Olgas Friends LLC, and our SMS service providers (including Telnyx) shall not be liable for:
- Delayed or undelivered messages caused by wireless carrier issues, device issues, or other factors outside BBC's control;
- Charges imposed by your wireless carrier;
- Interception of SMS messages by third parties;
- Errors, inaccuracies, or omissions in the content of SMS messages;
- Any damages arising from your participation in or opt-out from the SMS program.
This limitation is subject to the broader limitation of liability provisions in BBC's Terms of Use.
14. Changes to These Terms
BBC may modify these SMS Terms from time to time. Material changes will be communicated by posting the updated SMS Terms with a new "Last Updated" date, by SMS notification, by email, or by other reasonable means. Your continued participation in the SMS program after such changes constitutes your acceptance of the modified SMS Terms.
If you do not agree to modified SMS Terms, you must opt out of the SMS program using the methods described in Section 7.
For questions or concerns about the BBC SMS program: