Capco Capital Privacy Policy

1. GENERAL INFORMATION

Capco Capital LLC, along with its affiliates (hereafter referred to as “Capco Capital,” “Company,” “we,” “us,” or “our”), has established this Privacy Policy to govern the collection, use, and disclosure of personal information (“Personal Information,” as defined below) of all users and clients (“you” or “your”) who access our website, [www.capcocapital.com], our mobile applications, and any other digital assets and services that we may provide (collectively, the “Services”).

This Privacy Policy applies to individuals located in the United States. By using our Services, you acknowledge that you have read and understood this Privacy Policy and that you consent to our data practices as described. If any portion of this Privacy Policy conflicts with a non-English translation, the English version shall control unless otherwise prescribed by applicable law.

2. CONSENT

This Privacy Policy is incorporated into our Terms & Conditions. By using our Services and submitting Personal Information, you agree to this Privacy Policy. If you decide to withdraw your consent, you acknowledge that Capco Capital may continue using certain previously provided Personal Information to the extent it is legally or contractually obligated to do so, or as needed to enforce any contractual obligations you owe us. You also understand that by withdrawing consent, we may no longer be able to provide you with certain Services that rely on that consent.

If you have consented to receive marketing communications (e.g., newsletters, promotional emails), you can unsubscribe from these communications at any time by following the instructions included in the email or by contacting us directly.

3. PERSONAL INFORMATION

3.1 Definition

“Personal Information” generally refers to information that identifies, relates to, describes, can reasonably be associated with, or could potentially be linked to you, directly or indirectly, as defined by applicable laws. It does not include publicly available data or information that has been aggregated, de-identified, or otherwise rendered anonymous so that you cannot reasonably be identified.

3.2 Sensitive Information

“Sensitive Information” refers to specific categories of personal data that may include, for example, precise geolocation information, social security or driver’s license numbers, financial account details (including security codes and passwords), genetic data, or details about religious or philosophical beliefs, among others. Sensitive Information is subject to additional protections under certain laws. Where we collect and process Sensitive Information, we do so in accordance with applicable legal requirements.

4. PERSONAL INFORMATION WE COLLECT ABOUT YOU

We collect Personal Information in three primary ways:

Personal Information You Provide to Us
Personal Information We Automatically Collect
Personal Information We Receive from Third Parties

Below is an overview of each category.

A) Personal Information You Provide to Us

While using our Services, you may voluntarily provide us with various types of Personal Information, including but not limited to:

Identifiers
Such as your first and last name, email address, home or business address, telephone number, or other contact details.
Government-Issued Documents
Such as driver’s license or passport details.
Background Information
Including your occupation, nationality, military service, hobbies, or other personal background details.
Other Persons’ Information
Information related to emergency contacts, relatives, or others (e.g., if you provide us with their name, phone number, email address, or other details).
Financial Information
Data relating to tax records, bank account or credit card information, payment details, assets, credit scores, and related documentation.
Credentials/Account Log-In
Username, passwords, or other login credentials to access our Services or certain features.
Comments and Opinions
Feedback through surveys, the reasons you selected our Services, or any other direct communications.
Marketing and Event Details
Information about event registrations, seminar attendance, downloaded resources, or opt-in marketing preferences.
Commercial Information
History of transactions or purchases, information about products or services considered or obtained.
Sensitive Information
Potentially including age, gender, religious or political views, or other data protected under applicable law (we only collect such information when necessary and in compliance with the law).
Job Applicant and Employee Information
Resume details, job history, certifications, and information related to employment applications or internal hiring processes.
Communications
Messages, preferences for communication channels, or any content you share during interactions with us.
Preferences
Personal preferences, interests, or settings that help us customize your experience.
Other
Any other information you voluntarily provide to us in connection with your use of our Services.

You are responsible for maintaining the accuracy of the Personal Information you submit. Inaccurate, incomplete, or outdated information may affect your ability to use certain features of the Services or our ability to contact you.

B) Personal Information We Automatically Collect

When you use our Services, we (or our service providers) may automatically gather certain information through cookies, web beacons, and other tracking technologies, including but not limited to:

System and Device Information
IP address, browser type and language, operating system, device identifiers, mobile network information, and similar details about the computer or device you use to access our Services.
Internet and Network Activity
Browsing data, app usage, content viewed or engaged with, site interactions, and other related logs and device data.
Date and Time
Timestamps of your visits and activities on our site or application.
Activity
Pages viewed, forms submitted, the website that referred you to our site, the site you visit after leaving our website, interaction with emails or ads, and other usage metrics.
Location-Related Information
General or precise location data if you have enabled location-based services on your device or browser.
Social Media Interaction
If you link or interact with our Services through social media platforms (like Facebook, Twitter, Instagram, LinkedIn, etc.), we may receive certain profile information consistent with your settings on those platforms.

Information collected automatically helps us improve site performance, enhance user experience, and deliver personalized content.

Cookies & Similar Technologies

We and our third-party partners use cookies, web beacons, and related technologies to collect information about you and your device.

Cookies are small text files stored on your device that help websites or applications recognize you. We may use:
- Strictly Necessary Cookies: Essential for enabling site navigation and secure areas.
- Performance/Analytics Cookies: Collect anonymous data on how visitors interact with our site.
- Functionality Cookies: Remember user preferences for a personalized experience.

You can usually adjust your browser settings to refuse or delete cookies, but doing so may affect the functionality of our Services. For more details on cookies, see www.allaboutcookies.org or www.youronlinechoices.eu.

Flash Cookies: We may use local shared objects (Flash cookies) to store user preferences. You can manage Flash cookies by visiting Adobe’s website or your browser’s settings where supported.
Web Beacons: Embedded objects (clear GIFs, pixel tags) that help us track user visits, analyze site usage, and confirm email engagement.
Analytics: We use tools like Google Analytics to understand traffic patterns and user behavior. You can opt out by installing the Google Analytics Opt-out Browser Add-on.
Mobile Application Technologies: If you access our Services via mobile device, we may collect device identifiers, phone number, or location data. If you enable “push notifications,” we may send you alerts related to our Services; you can disable these in your device settings.

C) Personal Information We Receive from Third Parties

We may obtain additional Personal Information about you from third-party sources, including but not limited to:

Affiliates, Partners, and Vendors
For identity verification, payment processing, background checks, or fraud prevention.
Public Databases or Government Entities
Such as the U.S. Postal Service or other reputable sources that provide publicly available information.
Social Media Platforms
If you interact with our Services via social media (e.g., Facebook, LinkedIn), we may access limited profile information based on your privacy settings on those platforms.
Third-Party Websites
Links or references from external websites that direct you to our Services.

We encourage you to review the privacy policies of external platforms or websites that you use to understand how they handle your Personal Information. Capco Capital is not responsible for the content, privacy, or security practices of third parties.

5. HOW WE USE YOUR PERSONAL INFORMATION

We may use and process your Personal Information for various legitimate business purposes, including but not limited to:

Service Provision: Operate our website and provide the Services you request (e.g., commercial lending, brokerage, or related offerings).
Communications: Send you information about products, services, promotions, newsletters, or customer surveys. Respond to questions or inquiries, including support requests.
Personalization: Customize your user experience and present content tailored to your preferences.
Advertising & Marketing: Deliver targeted ads or promotional offers (where legally permitted and subject to your preferences).
Analytics & Improvements: Understand usage trends, monitor performance, diagnose technical problems, and enhance the quality and security of our Services.
Compliance & Legal Obligations: Follow our Terms & Conditions, enforce contracts, comply with applicable laws and regulations, and respond to lawful requests.
Employment Applications: Review and process any job applications or employee information.
Other Business Purposes: Conduct research, support internal operations, develop new services, and any other lawful purposes disclosed at the time of collection or with your consent.

6. SHARING YOUR PERSONAL INFORMATION

We do not sell your Personal Information. However, we may share or disclose Personal Information for the following purposes:

Service Providers
We may share Personal Information with trusted third-party vendors or service providers who assist us with operations such as web hosting, data storage, payment processing, analytics, customer service, marketing, or other functions.
Affiliates and Subsidiaries
We may share Personal Information with our affiliates or subsidiaries for internal business purposes or to facilitate the Services you have requested.
Legal and Regulatory Compliance
We may disclose Personal Information when required by law or legal process, such as a subpoena, court order, or government regulation, or to enforce or defend our rights.
Protection and Security
We may share data to protect the safety and security of our customers, to prevent fraud or unauthorized activities, or to protect the rights or property of Capco Capital or others.
Aggregate or De-Identified Data
We may share generalized, anonymized, or aggregated information that does not personally identify you with third parties for research, analytics, marketing, or other legitimate business purposes.
Consent
We may share Personal Information with your consent or direction, including when you connect our Services to external platforms.
Business Transactions
In the event of a merger, acquisition, reorganization, bankruptcy, or sale of certain or all of our assets, Personal Information may be transferred as part of that transaction.

7. LINKS TO THIRD-PARTY WEBSITES

Our Services may link to external websites or social media platforms (“Third-Party Websites”). These links do not imply endorsement or a guarantee of security by Capco Capital. Your interactions on Third-Party Websites are governed by their own privacy policies and terms of service. We recommend reviewing the privacy policies of any external site you visit, as we are not responsible for their content or privacy practices.

8. PERSONAL INFORMATION SECURITY

We implement commercially reasonable measures to protect your Personal Information. However, no data transmission over the internet, or method of electronic storage, is 100% secure. We cannot guarantee the absolute security of your information. You are responsible for maintaining the confidentiality of any account credentials you use to access our Services. If you suspect any unauthorized access or breach of your Personal Information, please contact us immediately.

9. DATA RETENTION & DISPOSAL

We will keep your Personal Information as long as it is necessary to fulfill the purposes for which it was collected or as required by law, including statutes of limitation and relevant regulatory investigations. Once your information is no longer needed, we will securely dispose of it in accordance with applicable laws and internal policies.

10. DATA STORAGE AND TRANSFERS

Capco Capital is based in the United States. Therefore, your Personal Information will be stored and processed in the U.S. or other jurisdictions where our third-party service providers are located. Data protection laws in those jurisdictions may differ from those in your country of residence. When transferring data internationally, we take appropriate measures to protect your Personal Information in accordance with applicable legal requirements.

11. CHILDREN’S INFORMATION

Our Services are intended for individuals 18 years of age or older. We do not knowingly collect Personal Information from children under 18. If we learn that we have collected such information without proper consent, we will take steps to delete it promptly. Parents or guardians who believe their child has provided us with Personal Information without consent should contact us so we can address the issue.

12. CHANGES TO THIS PRIVACY POLICY

We may update or revise this Privacy Policy at any time to reflect changes in our practices, services, or legal requirements. The updated version will be posted on our website with a new “Last Updated” date. It is your responsibility to review the current Privacy Policy periodically. Continuing to use our Services after any changes become effective signifies your acceptance of the revised policy.

13. HOW WE WILL CONTACT YOU

Where permitted by law, we, our affiliates, or our third-party partners may communicate with you via electronic messages (e.g., email, text messages, push notifications, phone calls) regarding our Services. You can opt out of marketing emails by following the “unsubscribe” link in any promotional message or by contacting us. Please note that certain non-marketing communications (e.g., regarding transactions, security, or account updates) are necessary for the provision of Services and may not offer an opt-out option.

14. CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or our data handling practices, please contact us at:

Capco Capital LLC
201 Heymann Blvd, Ste 37
Lafayette, LA 70503

Phone: 1-800-383-1230

Email: info@capcocapital.com

We value your privacy and will do our best to address your concerns in a timely and appropriate manner.

BY USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THIS PRIVACY POLICY.