SMS Opt-In Policy

1. Program Description

Arch Capital, Inc. (NMLS# 1735043) operates an SMS messaging program to communicate with prospective and current clients regarding mortgage inquiries, loan application status, rate information, appointment reminders, and general mortgage-related information. Messages are sent from or on behalf of Arch Capital, Inc., located at 4411 Suwanee Dam Road, Suite 120, Suwanee, GA 30024.

2. How to Opt In

You may opt in to receive SMS messages from Arch Capital, Inc. by:

• Checking the SMS consent checkbox on our Contact Form and submitting your information.
• Verbally providing consent to one of our loan officers during a phone or in-person consultation.
• Texting a designated keyword to our business number at (678) 925-8662.

By opting in, you confirm that you are the account holder or authorized user of the phone number provided and that you are 18 years of age or older.

3. Message Frequency

Message frequency varies based on your inquiry and the stage of your loan process. You may receive up to 4–8 messages per month depending on your engagement with our services. We will not send unsolicited marketing messages beyond what is reasonably related to your mortgage inquiry or application.

4. How to Opt Out

You may opt out of receiving SMS messages at any time by:

• Replying STOP to any text message you receive from us. You will receive a one-time confirmation message and no further messages will be sent.
• Contacting us directly at (678) 925-8662 and requesting removal from our SMS list.
• Submitting a written opt-out request via our Contact Form.

After opting out, you may receive a final confirmation message. Opting out of SMS does not affect any other communications or your loan application.

5. Help & Support

For help with our SMS program, reply HELP to any text message or contact us at:

6. Message & Data Rates

Message and data rates may apply. Standard messaging rates charged by your mobile carrier apply to all messages sent and received. Arch Capital, Inc. does not charge any additional fees for SMS communications. Contact your mobile carrier for details about your messaging plan.

7. Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages. SMS availability may vary by carrier and device. Arch Capital, Inc. is not responsible for any delays or failures in message delivery caused by your mobile carrier or network conditions.

8. Privacy & Data Use

Your phone number and SMS opt-in status are stored securely and used solely for the purposes described in this policy. We do not sell, rent, or share your phone number or SMS consent data with third parties for their own marketing purposes. For full details on how we handle your personal information, please review our Privacy Policy.

9. TCPA Compliance

This SMS program is operated in compliance with the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227, and applicable FCC regulations. We obtain express written consent before sending any automated or pre-recorded messages to your mobile device. Consent is not a condition of any purchase or service.

10. Changes to This Policy

We may update this SMS Opt-In Policy from time to time. Changes will be posted on this page with a revised "Last Updated" date. Continued participation in our SMS program after changes are posted constitutes acceptance of the updated policy.