Privacy Policy

1. Introduction

Arch Capital, Inc. ("Company," "we," "us," or "our"), NMLS# 1735043, located at 4411 Suwanee Dam Road, Suite 120, Suwanee, GA 30024, is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at archcapitalinc.com or contact us for mortgage services.

By using our website or submitting your information, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or services.

2. Information We Collect

We may collect the following categories of personal information:

• Contact Information: Name, email address, phone number, and mailing address.
• Financial Information: Income, employment, credit history, and other mortgage-related data you provide during the loan application process.
• Communication Preferences: Whether you have opted in to receive SMS/text messages or email communications from us.
• Usage Data: IP address, browser type, pages visited, time spent on pages, and other analytics data collected automatically when you visit our website.
• Cookies: Small data files stored on your device to improve your browsing experience and analyze site traffic.

3. How We Use Your Information

We use the information we collect to:

• Process and respond to your mortgage inquiries and loan applications.
• Send you SMS/text messages and emails if you have opted in to receive them.
• Provide customer service and respond to your questions.
• Comply with applicable federal and state laws and regulations, including the Gramm-Leach-Bliley Act (GLBA) and the Telephone Consumer Protection Act (TCPA).
• Improve our website, products, and services.
• Prevent fraud and protect the security of our systems.

4. SMS / Text Message Communications

When you provide your phone number on our inquiry form and check the SMS consent box (or click Submit), you expressly consent to receive text messages from Arch Capital, Inc. related to your mortgage inquiry, loan application status, rate information, appointment reminders, and other relevant communications. Providing your phone number is optional and is never required to submit an inquiry or obtain our services.

You may opt out at any time by replying STOP to any message. For help, reply HELP or contact us at (678) 925-8662. Message and data rates may apply. Message frequency may vary.

We do not sell, rent, or share your phone number or SMS opt-in data with third parties for their own marketing purposes. For full details on our SMS program, see our SMS Opt-In Policy.

5. Sharing Your Information

We may share your information with:

• Lending Partners: Mortgage lenders and investors as necessary to process your loan application.
• Service Providers: Third-party vendors who assist us with website hosting, analytics, and communications, subject to confidentiality agreements.
• Legal Requirements: Government agencies or law enforcement when required by law or to protect our legal rights.

We do not sell your personal information to third parties.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, use, or disclosure. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Rights & Choices

• Opt Out of SMS: Reply STOP to any text message or contact us directly.
• Opt Out of Email: Click the unsubscribe link in any marketing email.
• Access or Correct Your Data: Contact us to request access to or correction of your personal information.
• Delete Your Data: You may request deletion of your personal information, subject to our legal obligations to retain certain records.

8. Cookies & Tracking Technologies

Our website uses cookies and similar tracking technologies to enhance your experience and analyze traffic. You may disable cookies through your browser settings; however, some features of our website may not function properly without them.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies.

10. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected such information, please contact us immediately.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our website after any changes constitutes your acceptance of the updated policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: