At Capital Concepts, Inc., we are committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or engage with us in other ways. By using our website and services, you agree to the practices described in this Privacy Policy.

If you have any questions or concerns, please contact us at 713-651-9500 or by mail at 77 Sugar Creek Center Blvd Ste. 600 Sugar Land, TX 77478.

1. Information We Collect

We collect various types of information in connection with the services we provide:

Personal Information: When you book a service, make a purchase, or contact us, we may collect details such as your name, email address, phone number, mailing address, and payment information.

Payment Information: To process payments, we may collect your billing details, including credit/debit card information. Payments are securely processed through our payment processor.

Service Preferences: Information related to services requested, including type, frequency, and special instructions.

Device Information: When you visit our website, we automatically collect details such as your IP address, web browser type, referring/exit pages, and date/time stamps. This helps improve site functionality and marketing efforts.

Website Usage Data: We collect non-personal data about your visit, including what pages you view and how you interact with our website.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To provide, manage, and improve our services.
• To process payments and manage billing.
• To communicate with you about appointments, purchases, or customer service inquiries.
• To send you promotional offers (if you opt-in).
• To analyze website usage and improve our online experience.
• To comply with legal obligations.

3. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your website experience. Cookies store information about your interactions with our website, improving functionality and marketing efforts. You can adjust your browser settings to refuse cookies, but this may impact your ability to use certain features.

We collect device information using:

• Cookies (small data files stored on your device).
• Log files (tracking site usage, IP addresses, browser types, etc.).
• Web beacons, tags, and pixels (used for tracking interactions and advertising).
• Facebook Pixels (used for remarketing and targeted ads).

For more information on how to disable cookies, visit www.allaboutcookies.org.

4. SMS Terms of Service

By opting into SMS messages through our website or other channels, you agree to receive SMS communications from Capital Concepts, Inc. including appointment scheduling, reminders, updates, and billing notifications.

• Message frequency varies.
• Message and data rates may apply.
• Text HELP for assistance or STOP to opt out.

For details on our SMS privacy policy, visit https://www.4smartmoney.com/loan-types/privacy-policy/.

5. How We Protect Your Information

We implement security measures, including encryption technologies and secure servers, to protect your personal information. However, no method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

6. Sharing Your Information

We do not sell or rent your personal information to third parties. However, we may share your data in the following cases:

• Legal Compliance: If required by law, court order, or government request.
• Third-Party Services: We share information with vendors (e.g., Google Analytics, payment processors) to provide and enhance our services.
• Advertising & Marketing: We use services such as Facebook and Google to serve relevant ads. You can opt out via the Digital Advertising Alliance: http://optout.aboutads.info.

For information on Google’s privacy practices, visit: https://www.google.com/intl/en/policies/privacy.

7. Your Rights and Choices

You have certain rights regarding your personal information:

• Access and Correction: Request to access, correct, or update your information.
• Marketing Opt-Out: Unsubscribe from marketing emails via the link in our messages or contact us directly.
• Data Deletion: Request deletion of your personal data, subject to legal requirements.
• Do Not Track: We do not alter our data collection practices in response to Do Not Track signals.

If you are a European resident, you may request to access, correct, or delete your information. Your data may be transferred outside Europe, including to Canada and the United States.

8. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their policies before providing personal information.

9. Children’s Privacy

Our services are not directed to children under 18, and we do not knowingly collect information from minors. If we become aware that we have inadvertently collected such information, we will delete it.

10. Data Retention

We retain your personal data for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce agreements. You may request deletion of your data at any time.

11. Behavioral Advertising

We use your information to provide targeted advertisements and marketing. You can opt out of personalized ads via:

• Facebook: https://www.facebook.com/settings/?tab=ads
• Google: https://www.google.com/settings/ads/anonymous
• LinkedIn: https://www.linkedin.com/psettings/guest-controls/retargeting-opt-out
• Bing: https://advertise.bingads.microsoft.com/en-us/resources/policies/personalized-ads

Additional opt-outs available at the Digital Advertising Alliance: http://optout.aboutads.info/.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect operational, legal, or regulatory changes. Updates will be posted on this page with the revised effective date. Please review periodically.

13. SMS Messaging Program

If you separately opt in to receive text messages from Capital Concepts Inc., you may receive SMS communications related to your inquiry or relationship with us.

Depending on the consent you provide, messages may include:

• Responses regarding a financing or loan inquiry
• Appointment confirmations and reminders
• Requested account or service updates
• Follow-up regarding an investment-property financing request
• Marketing or promotional messages, if you separately consent to receive them
• Information regarding products or services offered by Capital Concepts Inc.

Messages for this program may be sent from 832-400-6021.

Consent to receive SMS messages is not a condition of obtaining or purchasing any product or service.

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Mobile phone numbers, SMS opt-in information, and messaging consent will not be sold, rented, transferred, or provided to third parties or affiliates for their own marketing or promotional use.

14. Contact Us

For more information or to make a privacy-related request, contact us:

• Phone: 713-651-9500
• Mail: 77 Sugar Creek Center Blvd Ste. 600 Sugar Land, TX 77478
• Email: info@4smartmoney.com