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Proper Rate SMS Terms

Proper Rate text messages

What are Proper Rate text messages?

Proper Rate Texting provides an easy way to get alerts from Proper Rate about promotional, mortgage, and payment information from almost any mobile device or cell phone at a number you provide.

Will it cost anything?
Proper Rate will not charge you to send or receive text messages from us; however message and data rates may apply depending on the wireless plan that you have with your carrier.
What if I want to stop receiving messages?
If you wish to stop receiving text messages from us, you may unsubscribe by texting the word STOP to the five-digit US short code, by calling 866-755-0679 or by email at customercare@properrate.com. Proper Rate, Inc. will honor your request within a reasonable time.
What if I want to re-subscribe?
You can start receiving Red Arrow Connect Texting messages by texting the word START to the ten-digit U.S. long code provided.
What if I have questions?
You may text the word HELP to the five-digit U.S. long code, by calling 866-755-0679 or by email at customercare@properrate.com for more information.
Command terms

Outside of the Commands mentioned below, any other keyword you may use may not be recognized or accepted.

Stop: At any time you can text STOP to the five-digit U.S. long code. This will terminate your participation in the notification program.

Help: At any time you can text HELP to the five-digit U.S. short code.

Disclaimers and licenses

Proper Rate, Inc. is an Equal Housing Lender. We fully comply with the Equal Credit Opportunity Act (ECOA) and all other Federal regulations. All applicants applying for credit from Proper Rate will never be discouraged on the basis of race, color, religion, national origin, sex, military status, marital status, age, or because you get public assistance. Proper Rate, Inc. is a licensed mortgage lender. The following states require disclosure of licensing information that can be found by clicking here.

Privacy policy

You can view our privacy policy by clicking here.
By opting in to Red Arrow Connect Texting, you agree to the terms of the privacy policy.

Additional disclosures
By signing-up for Proper Rate Texting and providing your phone number, you agree to this policy, our Privacy Policy and our Terms of Use. You also agree that you are providing express written consent for Proper Rate, Inc., its affiliates and agents, and its service providers to contact you about your loan application, loan transaction, loan servicing, available rates, and other products, promotions and services offered by Proper Rate, Inc. by text message or phone call (including by text message or call made using an automatic telephone dialing system or an artificial or prerecorded voice) to the telephone number you have provided, even if that telephone number is on a corporate, state or national Do Not Call Registry. You also agree and understand that consent to receive such messages or calls is not required or a condition of any purchase from Proper Rate, Inc. Message and data rates may apply. And, by communicating with us by phone and agreeing to this policy, our Privacy Policy and our Terms of Use, you consent to calls being recorded and monitored. By signing-up for Red Arrow Connect Texting and providing your phone number, you agree to this policy, our Privacy Policy and our Terms of Use. You also agree that you are providing express written consent for Proper Rate, Inc., its affiliates and agents, and its service providers to contact you about your loan application, loan transaction, available rates, and other products and services offered by Proper Rate, Inc. by text message or phone call (including by text message or call made using an automatic telephone dialing system or an artificial or prerecorded voice) to the telephone number you have provided, even if that telephone number is on a corporate, state or national Do Not Call Registry. You also agree and understand that consent to receive such messages or calls is not required or a condition of any purchase from Proper Rate, Inc. Message and data rates may apply. And, by communicating with us by phone and agreeing to this policy, our Privacy Policy and our Terms of Use, you consent to calls being recorded and monitored.
You represent that you are the account holder for the mobile telephone number(s) that you provide to opt-in to the Red Arrow Connect Texting program. You understand that you are responsible for notifying Proper Rate immediately if you change your mobile telephone number and agree to indemnify Proper Rate and parties texting or calling on its behalf in full for all claims, expenses, and damages related to or caused in whole or in party by your failure to notify us of your number change. This includes but is not limited to all claims, expenses, and damages related to our arising under the Telephone Consumer Protection Act.
You acknowledge and agree that Proper Rate, Inc. is not, and shall not be, responsible for the results of any defects that may exist in this website or its operations within text messaging. As to the operation of these services, to the maximum extent allowed by law, Proper Rate, Inc. expressly disclaims all warranties of any kind, whether express or implied, including, but not limited to the implied warranty of merchantability and fitness for a particular purpose.
By using this service, you agree that the laws of the State of Illinois, without regard to principles of conflict of laws, will govern use of Proper Rate Texting and any dispute of any sort that might arise between you and Proper Rate, Inc. You further agree that any action at law or in equity arising out of or relating to Red Arrow Connect Texting shall be filed only in the state or federal courts located in Cook County, Illinois, and you hereby consent and submit to the personal jurisdiction of such courts for the purposes of litigating any such action. You can view our privacy policy by By opting in to Proper Rate Texting, you agree to the terms of the privacy policy. You can view our privacy policy by opting in to Red Arrow Connect Texting, you agree to the terms of the privacy policy.
Complaints

Any email or mobile messaging complaints should be directed to the customer service department at 866-755-0679 or email customercare@properrate.com.

1600 Utica Ave S. Suite 800
Minneapolis, MN 55416

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