Last updated January 28, 2020

 

This capitalsoluxions.com Privacy Policy ("Privacy Policy") describes how we, My Financial Expert LLC, doing business as Capital Soluxions (“Capital Soluxions”, “we”, “us”, or “our”), are committed to protecting your personal information and your right to privacy. If you have any questions or concerns about our policy, or our practices with regards to your personal information, please contact us at info@capitalsoluxions.com.

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When you visit our website www.capitalsoluxions.com, and use our services, you trust us with your personal information. We take your privacy very seriously. In this privacy policy, we seek to explain to you in the clearest way possible what information we collect, how we use it and what rights you have in relation to it. We hope you take some time to read through it carefully, as it is important. If there are any terms in this privacy policy that you do not agree with, please discontinue use of our Sites and our services.

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This privacy policy applies to all information collected through our website (such as www.capitalsoluxions.com), and/or any related services, sales, marketing or events (we refer to them collectively in this privacy policy as the "Services"). By submitting your inquiries via chat or the “Apply Now” button, you are confirming your interest in pursuing funding with us. Upon receipt of your information, a funding specialist will contact you to consult and discuss options and whatever steps are necessary to complete your application.

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Please read this privacy policy carefully as it will help you make informed decisions about sharing your personal information with us.

 

 

1. WHAT INFORMATION DO WE COLLECT?

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We may gather personal (data that can be utilized to legitimately identify you) and non-personal data (data that can’t personally identify you) that you give to us.

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Personal Information:  The personal information that we collect depends on the context of your interactions with us and the Services, the choices you make and the products and features you use. The personal information we collect can include the following but is not limited to, your name, business name, contact information, correspondence address and billing information and other information that we may need relevant to your business. This might also include documents, images or comments that you might share or provide on our website.  All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

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Non-Personal Information:  Non-Personal Information we collect includes but is not limited to, referring websites, landing pages, click data and general demographics.  We utilize this data for, in addition to other things, to monitor general metrics with respect to utilization of the Service and for different business purposes. This Privacy Policy doesn't restrict in any capacity our utilization or exposure of Non-Personal Information and we maintain all authority to utilize and unveil such Non-Personal Information to our partners or third-party affiliates.

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All personal information that you provide to us must be true, complete and accurate, and you must notify us of any changes to such personal information.

Information automatically collected

We automatically collect certain information when you visit, use or navigate the Services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your IP address, browser and device characteristics, operating system, language preferences, referring URLs, device name, country, location, information about how and when you use our Services and other technical information. This information is primarily needed to maintain the security and operation of our Services, and for our internal analytics and reporting purposes.

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Like many businesses, we also collect information through cookies and similar technologies.

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Online Identifiers. We collect cookie identifiers, or others such as the ones used for analytics and marketing; devices; applications; tools and protocols, such as IP (Internet Protocol) addresses; device's geolocation; and other similar data.

 

Information collected from other sources

We may obtain information about you from other sources, such as public databases, joint marketing partners, as well as from other third parties. Examples of the information we receive from other sources include: social media profile information; marketing leads and search results and links, including paid listings (such as sponsored links). We will inform you about the source of information and the type of information and the type of information we have collected about you within a reasonable period after obtaining the personal data, but at the latest within one month.

 

 

2. HOW DO WE USE YOUR INFORMATION?

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We use personal information collected via our Services for a variety of business purposes described below. We process your personal information for these purposes in reliance on our legitimate business interests, in order to enter into or perform a contract with you, with your consent, and/or for compliance with our legal obligations. We indicate the specific processing grounds we rely on next to each purpose listed below.

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• We use the information we collect or receive:

• To send you marketing and promotional communications. 

• To send administrative information to you. 

• To post testimonials. 

• Deliver targeted advertising to you. 

• To enable user-to-user communications. 

• To deliver services to the user. 

• Request Feedback. We may use your information to request feedback and to contact you about your use of our Services.

• To protect our Services. We may use your information as part of our efforts to keep our Services safe and secure (for example, for fraud monitoring and prevention).

• To enforce our terms, conditions and policies for Business Purposes, Legal Reasons and Contractual.

• To respond to legal requests and prevent harm. If we receive a subpoena or other legal request, we may need to inspect the data we hold to determine how to respond.

• To respond to user inquiries/offer support to users. We may use your information to respond to your inquiries and solve any potential issues you might have with the use of our Services.

• For other Business Purposes. We may use your information for other Business Purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Services, products, marketing and your experience. We may use and store this information in aggregated and anonymized form so that it is not associated with individual end users and does not include personal information. We will not use identifiable personal information without your consent.

 

3. WILL YOUR INFORMATION BE SHARED WITH ANYONE?

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We only share information with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfill business obligations. Personal information submitted to us will be processed and stored securely.  We will never sell or lease your personal information to any third parties without your permission. We will only share your information to partners that we engage with who will be providing services for us.  Your information will be used to correspond with you via email, phone or other forms of communication of your application, inquiries, services and current business trends or other marketing information that we may feel is of relevance to you.  We indicate the specific processing grounds we rely on next to each purpose listed below.

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We may process or share data based on the following legal basis:

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• Consent: We may process your data if you have given us specific consent to use your personal information in a specific purpose.

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• Legitimate Interests: We may process your data when it is reasonably necessary to achieve our legitimate business interests.

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• To Provide Service:  We process your personal information for these purposes in reliance on our legitimate business interests, in order to provide services to you, with your consent, and/or for compliance with our legal obligations.

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• Performance of a Contract: Where we have entered into a contract with you, we may process your personal information to fulfill the terms of our contract.

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• Legal Obligations: We may disclose your information where we are legally required to do so in order to comply with applicable law, governmental requests, a judicial proceeding, court order, or legal process, such as in response to a court order or a subpoena (including in response to public authorities to meet national security or law enforcement requirements).

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• Vital Interests: We may disclose your information where we believe it is necessary to investigate, prevent, or take action regarding potential violations of our policies, suspected fraud, situations involving potential threats to the safety of any person and illegal activities, or as evidence in litigation in which we are involved.

 

More specifically, we may need to process your data or share your personal information in the following situations:

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• Vendors, Consultants and Other Third-Party Service Providers. We may share your data with third party vendors, service providers, contractors or agents who perform services for us or on our behalf and require access to such information to do that work. Examples include: payment processing, data analysis, email delivery, hosting services, customer service and marketing efforts. We may allow selected third parties to use tracking technology on the Services, which will enable them to collect data about how you interact with the Services over time. This information may be used to, among other things, analyze and track data, determine the popularity of certain content and better understand online activity. Unless described in this Policy, we do not share, sell, rent or trade any of your information with third parties for their promotional purposes.

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• Third-Party Advertisers. We may use third-party advertising companies to serve ads when you visit the Services. These companies may use information about your visits to our Website(s) and other websites that are contained in web cookies and other tracking technologies in order to provide advertisements about goods and services of interest to you.

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• Third-Party Service Providers.  We may use third-party Service Providers to monitor and analyze the use of our Service.​

 

• Google Analytics. Google Analytics is a web analytics service offered by Google that tracks and reports website traffic. Google uses the data collected to track and monitor the use of our Service. This data is shared with other Google services. Google may use the collected data to contextualize and personalize the ads of its own advertising network. You can opt-out of having made your activity on the Service available to Google Analytics by installing the Google Analytics opt-out browser add-on. The add-on prevents the Google Analytics JavaScript (ga.js, analytics.js, and dc.js) from sharing information with Google Analytics about visits activity. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en​

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• Google AdWords. Google AdWords remarketing service is provided by Google Inc. You can opt-out of Google Analytics for Display Advertising and customize the Google Display Network ads by visiting the Google Ads Settings page: http://www.google.com/settings/ads. Google also recommends installing the Google Analytics Opt-out Browser Add-on – https://tools.google.com/dlpage/gaoptout – for your web browser. Google Analytics Opt-out Browser Add-on provides visitors with the ability to prevent their data from being collected and used by Google Analytics. For more information on the privacy practices of Google, please visit the Google Privacy & Terms web page: https://policies.google.com/privacy?hl=en

 

• Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.

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• Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this privacy policy.

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• Business Partners. We may share your information with our business partners to offer you certain products, services or promotions.

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• Wix. Our website is hosted by Wix. Your information, including Personal Information, may be stored through Wix’s servers.  By using the Service, you consent to Wix’s collection, disclosure, storage, and use of your Personal Information in accordance with Wix’s privacy policy available at  https://www.wix.com/about/privacy and terms of use at http://www.wix.com/about/terms-of-use.

 

 

4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?

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We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. A cookie is a small text file that asks permission to be placed on your computer upon visiting a website. Cookies help us analyze web-traffic and improve our website. They do not, in any way, give us access to your computer. You may choose to accept or decline cookies, but most browsers automatically accept them unless you specify otherwise. Declining cookies may prevent you from taking full advantage of the website. You can also manually delete cookies after they’ve been installed.

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There may be a time where we use “web beacons”. These are small graphic images placed on a web page, web-based document, or an email address that is designed specifically to allow us or our third parties vendors to collect certain information and monitor use activity on our website. Web beacons are not used to collect the personal information about you rather it can collect non-personal information such as IP addresses of the computer that the web beacon said to, the URL of the page where the web user comes from and the time the web beacon is activated.

 

 

5. HOW LONG DO WE KEEP YOUR INFORMATION?

 

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy policy, unless a longer retention period is required or permitted by law (such as tax, accounting or other legal requirements).

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We will retain and use your personal data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

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The Company will also retain usage data for internal analysis purposes. Usage data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of our service, or we are legally obligated to retain this data for longer time periods.

 

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize it, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

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6. HOW DO WE KEEP YOUR INFORMATION SAFE?

 

We have implemented appropriate technical and organizational security measures designed to protect the security of any personal information we process. However, please also remember that we cannot guarantee that the internet itself is 100% secure. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the services within a secure environment.

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7. DO WE COLLECT INFORMATION FROM MINORS?

 

We do not knowingly solicit data from or market to children under 18 years of age. By using the Services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the Services. If we learn that personal information from users less than 18 years of age has been collected, we will take reasonable measures to promptly delete such data from our records. If you become aware of any data we have collected from children under age 18, please contact us at info@capitalsoluxions.com.

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8. LINKS TO OTHER WEBSITES

 

Our Service may contain links to other websites that are not operated by Us. If You click on a third-party link, you will be directed to that third party's site. We strongly advise You to review the Privacy Policy of every site you visit.

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We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

 

 

9. WHAT ARE YOUR PRIVACY RIGHTS?

 

We take the protection of your personal information seriously and have taken suitable and reasonable steps to protect the personal information we hold from misuse, loss, unauthorized access, and any modification or disclosure. If you are submitting personal information over the internet that you wish to remain private, please note that while attempts are made to secure information transmitted to this site, there are inherent risks in transmitting information across the internet and we are unable to guarantee its security. If you prefer, you can contact us by alternative means using phone, mail or email info@capitalsoluxions.com.

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If you are resident in the European Economic Area and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here: http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

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Cookies and similar technologies. Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services. To opt-out of interest-based advertising by advertisers on our Services visit http://www.aboutads.info/choices/.

 

 

10. CONTROLS FOR DO-NOT-TRACK FEATURES

 

Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. No uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy policy.

 

 

11. DO CALIFORNIA RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?

 

If you are a resident of California, you are granted specific rights regarding access to your personal information.

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California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

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If you are under 18 years of age, reside in California, and have a registered account with the Services, you have the right to request removal of unwanted data that you publicly post on the Services. To request removal of such data, please contact us using the contact information provided below, and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the Services, but please be aware that the data may not be completely or comprehensively removed from our systems.

 

 

12. DO WE MAKE UPDATES TO THIS POLICY?

 

We may update this privacy policy from time to time. The updated version will be indicated by an updated “Revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy policy, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy policy frequently to be informed of how we are protecting your information.

 

 

13. HOW CAN YOU CONTACT US ABOUT THIS POLICY?

 

If you have questions or comments about this policy, you may email us at info@capitalsoluxions.com, or call us at (786) 604-5464.

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HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?

 

Based on the laws of some countries, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please submit a request form by email at: info@capitalsoluxions.com.  We will respond to your request within 30 days. You have the right to prevent us from contacting you for marketing purposes at any time by using the opt out or unsubscribe option on communication you receive. If you opt out/unsubscribe from marketing material, we may continue to contact you for administrative purposes.