Privacy Policy
Last Updated September 12, 2024
Table of Contents
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Visit our website
at https://1stcapitalfinancial.com , or any website of ours that links to this privacy policy -
Engage with us in other related ways, including any sales, marketing, or events
Questions or concerns? Reading this privacy policy will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at [email protected] .
Summary of Key Points
This summary provides key points from our privacy policy, but you can find out more details about any of these topics using the Table of Contents.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the products and features you use.
Do we process any sensitive personal information?
Do we receive any information from third parties?
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.
In what situations and with which
How do we keep your information safe? We have
What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.
How do you exercise your rights? The easiest way to exercise your rights is by submitting a data subject access request
Information We Collect
Personal Information You Disclose to Us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you
Personal Information Provided by You. 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 may include the following:
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names -
phone numbers -
email addresses -
mailing addresses -
job titles -
contact preferences -
contact or authentication data
Sensitive Information.
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financial data -
credit worthiness data -
precise geolocation
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
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.
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.
Like many businesses, we also collect information through cookies and similar technologies. https://1stcapitalfinancial.com/cookie-policy/ .
The information we collect includes:
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Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called
"crash dumps" ), and hardware settings). -
Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
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Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.
How We Process Your Information
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
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To deliver and facilitate delivery of services to the user. We may process your information to provide you with the requested service.
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To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
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To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our Services.
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To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see
"Your Privacy Rights" below. -
To deliver targeted advertising to you. We may process your information to develop and display
personalized content and advertising tailored to your interests, location, and more. For more information see our Cookie Policy: https://1stcapitalfinancial.com/cookie-policy/ . -
To post testimonials. We post testimonials on our Services that may contain personal information.
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To protect our Services. We may process your information as part of our efforts to keep our Services safe and secure, including fraud monitoring and prevention.
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To evaluate and improve our Services, products, marketing, and your experience. We may process your information when we believe it is necessary to identify usage trends, determine the effectiveness of our promotional campaigns, and to evaluate and improve our Services, products, marketing, and your experience.
- To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
- To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
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To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.
When and With Whom We Share Your Personal Information
In Short: We may share information in specific situations described in this section and/or with the following
Vendors, Consultants, and Other Third-Party Service Providers. We may share your data with third-party vendors, service providers, contractors, or agents (
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Ad Networks -
Cloud Computing Services -
Communication & Collaboration Tools -
Data Analytics Services -
Data Storage Service Providers -
Finance & Accounting Tools -
Performance Monitoring Tools -
Retargeting Platforms -
Sales & Marketing Tools -
Social Networks -
Website Hosting Service Providers -
Testing Tools
We
- 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. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us. -
Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.
Cookies and Other Tracking Technologies
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Policyhttps://1stcapitalfinancial.com/cookie-policy/
How Long We Keep Your Information
In Short: We keep your information for as long as necessary to
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).2 years
When we have no ongoing legitimate business need to process your personal information, we will either delete or
How We Keep Your Information Safe
In Short: We aim to protect your personal information through a system of
We have implemented appropriate and reasonable technical and
Collection of Information from Minors
In Short: We do not knowingly collect data from or market to
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 deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data we may have collected from children under age 18, please contact us at
Your Privacy Rights
In Short:
Withdrawing your consent: If we are relying on your consent to process your personal information,
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor,
Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by
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. You may also opt out of interest-based advertising by advertisers on our Services. https://1stcapitalfinancial.com/cookie-policy/ .
If you have questions or comments about your privacy rights, you may email us at [email protected] .
Controls for Do-Not-Track Features
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (
Privacy Rights for California Residents
In Short: Yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.
California Civil Code Section 1798.83, also known as the
If you are under 18 years of age, reside in California, and have a registered account with 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 all our systems (e.g.
CCPA privacy policy
The California Code of Regulations defines a
- every individual who is in the State of California for other than a temporary or transitory purpose and
- every individual who is domiciled in the State of California who is outside the State of California for a temporary or transitory purpose
All other individuals are defined as
If this definition of
What categories of personal information do we collect?
We have collected the following categories of personal information in the past twelve (12) months:
| Category | Examples | Collected |
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A. Identifiers
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Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name
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B. Personal information categories listed in the California Customer Records statute
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Name, contact information, education, employment, employment history, and financial information
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C. Protected classification characteristics under California or federal law
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Gender and date of birth
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D. Commercial information
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Transaction information, purchase history, financial details, and payment information
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E. Biometric information
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Fingerprints and voiceprints
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F. Internet or other similar network activity
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Browsing history, search history, online
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G. Geolocation data
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Device location
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H. Audio, electronic, visual, thermal, olfactory, or similar information
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Images and audio, video or call recordings created in connection with our business activities
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I. Professional or employment-related information
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Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us
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J. Education Information
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Student records and directory information
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K. Inferences drawn from other personal information
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Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
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| L. Sensitive Personal Information |
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We will use and retain the collected personal information as needed to provide the Services or for:
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Category A -
2 years -
Category B - 2 years -
Category F -
2 years -
Category G -
2 years -
Category L -
2 years
Category L information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You have the right to limit the use or disclosure of your sensitive personal information.
We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:
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Receiving help through our customer support channels;
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Participation in customer surveys or contests; and -
Facilitation in the delivery of our Services and to respond to your inquiries.
How do we use and share your personal information?
We collect and share your personal information through:
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Targeting cookies/Marketing cookies
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Beacons/Pixels/Tags
More information about our data collection and sharing practices can be found in this privacy policyhttps://1stcapitalfinancial.com/cookie-policy/
You may contact us [email protected] ,
If you are using an
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf, following the same strict privacy protection obligations mandated by the CCPA.
We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be
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Category A. Identifiers, such as contact details like your real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name.
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Category B. Personal Information, as defined in the California Customer Records law, such as your name, contact information, education, employment, employment history, and financial information.
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Category F. Internet or other electronic network activity information, such as browsing history, search history, online
behavior , interest data, and interactions with our and other websites, applications, systems, and advertisements. - Category G. Geolocation data, such as device location.
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Category L. Sensitive personal information, such as
precise geolocation .
The categories of third parties to whom we disclosed personal information for a business or commercial purpose can be found under
Your Rights with Respect to Your Personal Data
Right to request deletion of the data — Request to delete
You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.
Right to be informed — Request to know
Depending on the circumstances, you have a right to know:
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whether we collect and use your personal information;
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the categories of personal information that we collect; -
the purposes for which the collected personal information is used; -
whether we sell or share personal information to third parties; -
the categories of personal information that we sold, shared, or disclosed for a business purpose; -
the categories of third parties to whom the personal information was sold, shared, or disclosed for a business purpose; -
the business or commercial purpose for collecting, selling, or sharing personal information; and -
the specific pieces of personal information we collected about you.
In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
We will not discriminate against you if you exercise your privacy rights.
Right to Limit Use and Disclosure of Sensitive Personal Information
If the business collects any of the following:
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social security information, drivers' licenses, state ID cards, passport numbers
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account login information -
credit card numbers, financial account information, or credentials allowing access to such accounts -
precise geolocation -
racial or ethnic origin, religious or philosophical beliefs, union membership -
the contents of email and text, unless the business is the intended recipient of the communication -
genetic data, biometric data, and health data -
data concerning sexual orientation and sex life
you have the right to direct that business to limit its use of your sensitive personal information to that use which is necessary to perform the Services.
Once a business receives your request, they are no longer allowed to use or disclose your sensitive personal information for any other purpose unless you provide consent for the use or disclosure of sensitive personal information for additional purposes.
Please note that sensitive personal information that is collected or processed without the purpose of inferring characteristics about a consumer is not covered by this right, as well as the publicly available information.
To exercise your right to limit use and disclosure of sensitive personal information, please [email protected] or
Verification process
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g.
We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.
Other privacy rights
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You may object to the processing of your personal information.
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You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information. -
You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA. -
You may request to opt out from future selling or sharing of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.
To exercise these rights, you can contact us [email protected] ,
Privacy Rights for Virginia Residents
In Short: Yes, if you are a resident of Virginia, you may be granted specific rights regarding access to and use of your personal information.
Virginia CDPA privacy policy
Under the Virginia Consumer Data Protection Act (CDPA):
If this definition
The information we collect, use, and disclose about you will vary depending on how you interact with us and our Services.
Your rights with respect to your personal data
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Right to be informed whether or not we are processing your personal data
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Right to access your personal data -
Right to correct inaccuracies in your personal data -
Right to request deletion of your personal data -
Right to obtain a copy of the personal data you previously shared with us -
Right to opt out of the processing of your personal data if it is used for targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ( "profiling" )
Exercise your rights provided under the Virginia CDPA
More information about our data collection and sharing practices can be found in this privacy policyhttps://1stcapitalfinancial.com/cookie-policy/
If you are using an
Verification process
We may request that you provide additional information reasonably necessary to verify you and your consumer's request. If you submit the request through an
Upon receiving your request, we will respond without undue delay, but in all cases, within forty-five (45) days of receipt. The response period may be extended once by forty-five (45) additional days when reasonably necessary. We will inform you of any such extension within the initial 45-day response period, together with the reason for the extension.
Right to appeal
If we decline to take action regarding your request, we will inform you of our decision and reasoning behind it. If you wish to appeal our decision, please email us at [email protected]
Updates to this privacy policy
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy policy from time to time. The updated version will be indicated by an updated
Contact Us
If you have questions or comments about this notice, you may [email protected]
How to Review, Update, or Delete the Data We Collect from You
Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it.