SMS Messaging Policy

1. Program Description

Capital Resource may provide SMS (text message) communications to customers who have opted in to receive messages. These messages may include:

• Service notifications
• Account or case updates
• Customer support responses
• Document or submission reminders
• Appointment or consultation reminders
• Important service-related alerts
• Limited promotional or informational messages related to Capital Resource services

SMS messages are used to assist clients throughout the recovery and resolution process and to improve communication efficiency.

2. User Opt-In

Users must provide express consent before receiving SMS messages from Capital Resource.

Consent may be obtained through one of the following methods:

• Submitting a website form that includes a clearly stated SMS consent checkbox
• Registering for services through the website or a service application process
• Providing written consent during a service agreement or onboarding process
• Opting in through another approved communication method where SMS consent is clearly disclosed

By opting in, users agree to receive SMS messages from Capital Resource related to services, inquiries, or account activity.

3. Message Frequency

Message frequency may vary depending on the user's interaction with Capital Resource services.

Users may receive messages related to:

• Service inquiries
• Case status updates
• Document requests
• Customer support responses
• Service reminders or notifications

Message frequency will depend on the user's activity and service engagement.

4. Message and Data Rates

Message and data rates may apply depending on the user's mobile carrier and wireless plan.

Capital Resource is not responsible for any SMS charges incurred by users. Charges are determined by the user's mobile service provider.

5. Opt-Out Instructions

Users may opt out of SMS messages at any time.

To unsubscribe:

Reply STOP to any SMS message received from Capital Resource.

After opting out, the user will receive a confirmation message and will no longer receive SMS communications from that messaging program unless they opt in again.

Users may re-subscribe at any time by submitting a new opt-in request.

6. Help Instructions

Users can request assistance at any time.

Reply HELP to any SMS message for support instructions.

Users may also contact Capital Resource through the contact information provided on capitalresource.us for further assistance.

7. Carrier Participation

SMS messaging services are supported by most major U.S. wireless carriers; however, carrier participation may vary.

Carriers are not responsible for delayed or undelivered messages.

8. Privacy and Data Protection

Mobile phone numbers collected for SMS communications will only be used for the purposes described in this policy.

Capital Resource will not sell, rent, or share mobile numbers with third parties for their marketing purposes without explicit user consent.

Information collected through SMS programs is handled in accordance with the Capital Resource Privacy Policy.

9. Compliance with Messaging Regulations

The Capital Resource SMS messaging program is designed to comply with applicable industry standards and regulations, including:

• CTIA Messaging Principles and Best Practices
• A2P 10DLC campaign registration requirements
• Telephone Consumer Protection Act (TCPA)
• Applicable carrier messaging policies

10. Prohibited Messaging Content

Capital Resource will not use its SMS messaging program to transmit prohibited content, including:

• Illegal or fraudulent messages
• Phishing or deceptive messaging
• Spam or unsolicited marketing messages
• Content restricted by carriers such as SHAFT categories (Sex, Hate, Alcohol, Firearms, Tobacco) where applicable

11. Policy Updates

Capital Resource may update this SMS Messaging Policy from time to time to reflect operational, regulatory, or carrier policy changes.

Updates will be posted on this page with the revised effective date.

12. Contact Information

If you have questions regarding this SMS Messaging Policy or SMS communications from Capital Resource, please contact us: