SMS Messaging Policy

Capto allows mortgage professionals to send SMS messages to their leads and clients. This policy explains how opt-in, opt-out, and message frequency work, and describes our commitment to TCPA and 10DLC compliance.

You must obtain proper consent from a contact before sending them SMS messages through Capto. Consent should be clear, documented, and specific to SMS communication.

It is your responsibility, as the sender, to ensure that your messaging practices comply with the Telephone Consumer Protection Act (TCPA) and other applicable laws in your jurisdiction.

Message frequency varies based on your activity in Capto and the stage of your relationship with a lead or client. Frequency may include:

• Automated follow-up sequences
• Appointment reminders and confirmations
• One-off messages sent manually by you

Recipients can expect to receive messages at reasonable intervals based on the workflows you configure.

All SMS messages sent through Capto should include a clear sender identification and instructions for opting out. A recommended template is shown below:

"Hi {name}, this is {loan officer} with {company}. Reply STOP to opt out, HELP for help. Msg & data rates may apply."

Recipients can opt out of SMS communications at any time by replying with any of the following keywords:

STOP · STOPALL · UNSUBSCRIBE · CANCEL · END · QUIT

Once a recipient opts out, Capto automatically suppresses further messages to that number unless the recipient opts back in by texting START or UNSTOP).

Recipients can request help at any time by replying HELP or INFO Capto will respond with information on how to get support or contact you directly.

Message and data rates may apply to SMS messages sent and received through Capto, depending on the recipient's mobile carrier and plan.

Capto requires all users sending SMS to register their business and messaging campaigns through the 10DLC (10-Digit Long Code) system, in accordance with carrier requirements, to ensure reliable message delivery and compliance.

SMS messages sent through Capto may not contain unlawful, deceptive, harassing, or unsolicited content, and must not be used for prohibited categories such as high-risk financial services, unless explicitly permitted by applicable carrier and regulatory guidelines.

We retain SMS message content and delivery logs for as long as necessary to provide the service, support compliance obligations, and resolve disputes, in accordance with our Privacy Policy.

As a user of Capto's SMS features, you are responsible for obtaining proper consent, honoring opt-out requests, and complying with all applicable laws and carrier requirements related to SMS messaging.

Capto reserves the right to suspend messaging capabilities for accounts found to be in violation of this policy or applicable law.

If you have questions about this SMS Messaging Policy, please contact us at support@usecapto.com.