Effective Date: August 24, 2026
These Terms & Conditions govern your use of the Capital Concepts Inc. website, communications, and services. By using our website, submitting information through our forms, or otherwise interacting with Capital Concepts Inc., you agree to these Terms & Conditions.
1. Company Information
Capital Concepts Inc. provides real estate financing and mortgage-related services, including financing options for real estate investors and investment properties.
Capital Concepts Inc.
NMLS #221656
Nothing on this website constitutes a commitment to lend, an approval, or a guarantee of financing. Loan programs, rates, terms, availability, and qualification requirements are subject to change and borrower/property qualification.
2. 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.
3. Message Frequency and Charges
Message frequency varies based on your interactions with Capital Concepts Inc. and the communications to which you have consented.
Message and data rates may apply. Your wireless carrier’s standard messaging and data charges may apply to messages sent or received.
4. Opting Out of SMS
You may cancel SMS communications at any time by replying STOP to a message from Capital Concepts Inc.
After you send STOP, you may receive a confirmation message acknowledging your opt-out. After that confirmation, you will no longer receive SMS messages covered by that opt-out unless you later provide consent again.
5. SMS Support
For assistance with our messaging program, reply HELP to a message.
You may also contact Capital Concepts Inc. at:
Phone: 713-651-9500
Email: info@4smartmoney.com
6. Carrier Disclaimer
Wireless carriers are not responsible for delayed or undelivered messages.
Delivery of SMS messages is subject to effective transmission by your wireless service provider and is outside the control of Capital Concepts Inc.
7. Privacy and Mobile Information
Your use of our website and messaging services is also governed by our Privacy Policy.
Mobile phone numbers, SMS opt-in information, and messaging consent are handled in accordance with that Privacy Policy and applicable carrier requirements.
SMS consent is specific to Capital Concepts Inc. and is not transferred to third parties for their marketing or promotional use.
Website administrator: Link the words “Privacy Policy” above directly to the existing Capital Concepts Inc. Privacy Policy page.
8. Electronic Communications
When you submit a form, send an email, communicate by text, or otherwise communicate electronically with Capital Concepts Inc., you consent to receive communications electronically in connection with your inquiry, subject to applicable consent requirements.
Marketing SMS communications will only be sent when the appropriate marketing consent has been provided.
9. Mortgage and Financing Information
Information provided through this website or by SMS, email, telephone, or other communications is provided for informational purposes and does not constitute a loan approval or commitment to lend.
All financing is subject to applicable underwriting requirements, property eligibility, borrower qualification, documentation, program availability, and other applicable conditions.
10. Website Use
You agree not to misuse this website, attempt unauthorized access to systems or data, interfere with the operation of the website, or use the website for unlawful purposes.
11. Third-Party Services and Links
Our website may contain links to third-party websites or use third-party technology providers to support website functionality, communications, analytics, scheduling, customer service, or related business operations.
Capital Concepts Inc. is not responsible for the content or practices of independently operated third-party websites.
12. Changes to These Terms
Capital Concepts Inc. may revise these Terms & Conditions from time to time to reflect changes in our services, operations, technology, or applicable requirements.
Updates will be posted on this page with an updated effective date.
13. Contact Us
Questions regarding these Terms & Conditions may be directed to:
Capital Concepts Inc.
Phone: 713-651-9500
Email: info@4smartmoney.com