Introduction

Capital Financial (“we”, “our”, “us”) is committed to protecting your personal information and your privacy. This Privacy Policy explains how we collect, use, store, and share information when you use our website, mobile app, services, or communicate with us.

By accessing or using our services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We may collect the following types of information:

Personal Information Provided By You

  • Name, email address, phone number, date of birth

  • Address and contact details

  • Information submitted through forms (loan applications, membership sign-ups, support requests, etc.)

Financial & Account Information

  • Payment details (processed securely via third-party providers such as Square, PayPal, Stripe, etc.)

  • Subscription activity and billing history

  • Optional credit-related data you voluntarily provide (if applicable)

Automatically Collected Data

  • Device information (IP address, browser type, operating system)

  • Usage data (pages visited, actions taken, time spent in app or on website)

  • Cookies or similar tracking technologies (see Section 7)

How We Use Your Information

We use your information to:

  • Create and manage your account

  • Process payments and subscriptions

  • Provide customer support

  • Deliver requested services (such as credit-building, loan matching, notifications, etc.)

  • Improve app functionality and user experience

  • Send service-related emails (verification, receipts, updates, etc.)

  • Send optional marketing messages (you may opt out anytime)

We do not sell or rent personal information to third parties.

How We Share Information

We may share data only with:

  • Service providers (e.g., Supabase, Firebase, Square, Twilio, Google Analytics, etc.)

  • Financial or lending partners, only when you explicitly consent

  • Regulatory or legal authorities, if required by law

  • Third-party payment processors, for secure transactions

All third-party partners are required to protect your data and use it only for authorized purposes.

Data Storage & Security

Your data is stored securely using encrypted cloud services (such as Supabase or Firebase).

We take reasonable technical and organizational measures to protect your information from unauthorized access, loss, or misuse.

However, no method of data transmission or storage is 100% secure. You use our services at your own risk.

Your Rights

You have the right to:

  • Access the personal data we hold about you

  • Request correction or deletion of your data

  • Withdraw consent for marketing or data use

  • Request account deletion at any time

To exercise any of these rights, email: info@capital-services.ca

Cookies & Tracking

We may use cookies or similar technologies to improve site functionality and personalize user experience.

You may disable cookies in your browser settings, but certain features may not work properly.

Third-Party Links

Our website or app may contain external links (such as lender applications or partner tools).

We are not responsible for the privacy practices or content of external websites.

Users should review the privacy policies of any third-party site they visit.

Children’s Privacy

Our services are not intended for individuals under 18.

We do not knowingly collect data from minors. If we discover such information, it will be deleted immediately.

Changes to This Policy

We may update this Privacy Policy at any time.

The latest version will always be available on our website and inside the app.

Continued use of our services after changes means you accept the updated policy.

Contact Us

If you have questions about this policy or how your data is used, contact:

Capital Financial

Ottawa, Ontario, Canada

Email: info@capital-services.ca