Skip to content
Cowboy Credit
EspañolStart my application

Communication consent

COWBOY CREDIT COMMUNICATION CONSENT POLICY AND SMS TERMS Effective Date: October 18, 2026 Version: 1.5 1. OVERVIEW AND SEPARATION OF COMMUNICATION CHANNELS Cowboy Credit, a division of Fremont Motor Company (d/b/a Fremont Motor Companies and Cowboy Credit), uses email, text messaging (SMS), and telephone calls to support three strictly separate functions: (A) Recipient-Requested Security & Verification Messages (required to authenticate an online credit application session on apply.cowboy.credit); and (B) Responses and service follow-up limited to your specific vehicle-help inquiry, including automated service messages requested through the Vehicle-Help Request Notice; and (C) Optional Dealership Follow-Up and Marketing Communications (never required as a condition of submitting a vehicle-help request or credit application, or purchasing any vehicle, goods, or services). This policy explains the terms for each category, how message frequency and carrier rates apply, and how you can get help or withdraw consent at any time. 2. RECIPIENT-REQUESTED ACCOUNT & VERIFICATION MESSAGES (EMAIL AND SMS) - Email-First Verification Step: When you start or resume a credit application on apply.cowboy.credit, or when a primary applicant invites a co-applicant on a joint application, we first send a transactional verification email containing a single-use link to the email address provided for that participant. - Recipient-Requested SMS Verification Code: Opening the email verification link displays the recipient's own mobile phone number, our SMS verification disclosure, an unchecked consent checkbox, and a "Send my code" button. We never send a verification text message until that specific recipient checks the box and clicks "Send my code" for their own number. On a joint application, the primary applicant cannot request verification texts or consent on behalf of the co-applicant. - Scope of Verification SMS: Verification texts are strictly limited to one (1) 6-digit security code per recipient request, plus automated responses if you text STOP or HELP. Requesting a verification text does NOT authorize marketing messages, sales calls, or a credit bureau inquiry. - Non-SMS / Alternative Access: Online access to the secure credit application requires both email link proof and SMS code verification. If you do not wish to receive verification texts, cannot receive SMS on your phone, or have opted out of SMS, please contact us at (307) 202-9096 or [email protected] (Monday–Friday, 8:00 AM – 6:00 PM MT) so a participating Fremont Motor Companies dealership representative can assist you directly by phone or in person. 3. OPTIONAL DEALERSHIP FOLLOW-UP AND MARKETING COMMUNICATIONS - Optional Communication Checkbox: On our credit application and vehicle-help forms, we present a separate, optional Communication Consent checkbox. - What Optional Consent Covers: If you check the optional Communication Consent box, you authorize Fremont Motor Company (d/b/a Fremont Motor Companies and Cowboy Credit) and its participating dealerships (including Fremont Motors Casper) to contact you at the telephone number(s) and email address you provide for optional promotional follow-up, inventory alerts, and dealership financing or promotional offers. This optional consent is separate from responses and automated service follow-up limited to the vehicle-help inquiry you requested. Such communications may be made by live dealership staff or via automated dialing/messaging technology, prerecorded/artificial voice messages, SMS/text messages, and email, as permitted by law. - No Condition of Credit or Purchase: Checking the optional Communication Consent box is completely voluntary. You are NOT required to agree to optional telemarketing or promotional calls or texts as a condition of submitting a credit application, obtaining credit consideration, or purchasing any vehicle, product, or service. - Message Frequency for Optional Texts: If you opt into optional text communications, message frequency varies based on your inquiry and dealership follow-up activity. 4. COST, CARRIER LIABILITY, AND SUPPORTED CARRIERS Message and data rates may apply to any SMS/text messages sent to or from your mobile device according to your wireless carrier plan. Neither Cowboy Credit, Fremont Motor Company, nor wireless carriers are liable for delayed or undelivered messages. Delivery is subject to your wireless carrier's network availability. 5. HOW TO OPT OUT (WITHDRAW CONSENT) OR GET HELP - Text Messages (SMS): To withdraw consent, reply STOP to a text or use another reasonable method, including contacting [email protected] or (307) 202-9096. We honor recognized opt-out keywords, including END, CANCEL, UNSUBSCRIBE, QUIT and BAJA. Unless you clearly limit your request, we apply it to the automated calls and texts from Cowboy Credit and the participating dealership programs covered by this consent, subject to applicable law. A permitted confirmation may acknowledge your request. To restart texts, follow the messaging service's re-subscription instructions or contact support; starting a new application or requesting a code alone does not cancel an opt-out. If SMS is unavailable, use the telephone/in-person assistance path. - SMS Help: Reply HELP to any text message for assistance, or contact us directly using the details below. - Telephone Calls and Emails: You may withdraw your consent to optional telephone calls or emails at any time by clicking the unsubscribe link in any promotional email, telling the dealership representative during any call, emailing [email protected] or [email protected], or calling (307) 202-9096. 6. PRIVACY AND CONTACT DETAILS We respect your privacy and do not sell your mobile phone number or personal information to third parties for their own marketing. For full details on how we collect, use, retain, and protect your data, please review our Privacy Notice at: English: https://cowboy.credit/en/privacy Spanish: https://cowboy.credit/es/privacy Contact Us: Fremont Motor Company (d/b/a Fremont Motor Companies and Cowboy Credit) 906 Main St, Lander, WY 82520 Support Email: [email protected] Privacy Email: [email protected] Telephone: (307) 202-9096 (Monday–Friday, 8:00 AM – 6:00 PM Mountain Time)