Privacy policy

Welcome to caputcapital.com (the “Website”). Your privacy is important to us. This Privacy Policy (the “Policy”) describes the types of information Caput Capital (the “Company”, “us”, “we”, or “our”) may collect from you or that you may provide when you visit the Website and the products, features, materials, and services we offer (collectively with the Website, the “Services”). This Policy also describes our policies and procedures for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect on the Website and through your use of the Services generally (including when you register for an account), and through communications between you and the Website (including email, text, and other electronic messages).

This Policy does not apply to information collected by third parties, including any websites, services, and applications that you elect to access through the Services.

Please review this Policy carefully. By accessing or using the Services (or by clicking on “accept” or “agree” to this Policy when prompted), you agree to the terms of this Policy on behalf of yourself or the entity or organization that you represent. If you do not agree to any term in this Policy, you should refrain from further use of our Services.

Changes to Our Privacy Policy

This Policy was last revised on the date noted at the top of this page. We may update this Policy from time to time. If we make material changes, we will post the updated Policy on this page and notify you of such changes by means of an email to the email address specified in your account, a message on the Services, or through a notice on the Website home page. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

Information We Collect

We receive several types of information about you from various sources, including (A) information and content that you give us; (B) automatically-collected information; and (C) demographic information or other aggregate information. Each is described in detail below.

Information and Content That You Give Us

We collect personal information that you knowingly choose to disclose. This may include:

• Personal Information (or Data): Personal information, such as your name, address, email address, phone number, username, password, and any other information you directly provide us on or through the Services. This includes information you provide when you register or create an account, complete a questionnaire or a contest entry form, or make a request for customer service.
• Correspondences: Records and copies of your email messages together with your email address and our responses, if you choose to correspond with us through email, and records of your phone number, phone calls with us, and voice messages, if you choose to correspond with us via phone.
• User Content: Information or content you submit to be published or displayed on public areas of the Services or transmitted to other users of the Services or third parties (collectively, “User Content”). Your User Content is posted and transmitted to others at your own risk. The Company cannot control the actions of other users of the Services with whom you may choose to share your User Content. Therefore, we cannot and do not guarantee that your User Content will not be viewed by unauthorized persons.
• Transaction Information: Information about any purchase or transactions made on the Services. This includes payment information, such as your credit or debit card number and other card information; other account and authentication information; and billing, shipping, and contact details.
• Search Queries: Your search queries on the Website.

California Consumer Privacy Act Addendum: We take our responsibilities under the California Consumer Privacy Act (“CCPA”) seriously. If you are a California resident, the provisions set forth in our California Privacy Rights section apply to our processing of information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household subject to the CCPA. For such residents, the provisions of the CCPA Addendum prevail over any conflicting provisions in this Policy.

Information We Collect Automatically

We may use a variety of technologies to collect certain information about your equipment, browsing actions, and patterns whenever you interact with the Services, including:

• Activity Information: Details of your visits to our Services, including the types of content you view or engage with; the features you use; the actions you take; the people or accounts you interact with; the time, frequency, and duration of your activities; and other information about your use of and actions on the Services.
• Equipment Information: Information about your computer and internet connection, including your computer operating system, IP address, browser type, and browser language.
• Location Information: Information about the location of your device, including GPS location, for purposes of enhancing or facilitating the Services. We may also use information about the location of the device you are using to help us understand how the Services and functionality are being used and to deliver more relevant advertising.

The technologies we use for automatic data collection may include Cookies, Web Beacons (clear gifs, pixel tags, web bugs), JavaScripts, Entity Tags (ETags), HTML5 Local Storage, and Resettable Device Identifiers (IDFA on Apple iOS, Google Advertising ID on Android). For full details on these technologies, please review our Cookie Policy.

This Policy does not cover the use of tracking technologies by third parties. The Services may contain links, content, advertising, or references to other websites by third parties, including advertisers, ad networks and servers, content providers, and application providers. These third parties may use cookies or other tracking technologies to collect information about you when you use the Services. We do not control these third parties' tracking technologies or when and how they may be used. We encourage you to read the privacy statements and terms and conditions of linked or referenced websites you enter.

Demographic Information

We may collect demographic, statistical, or other aggregate information that is about you, but individually does not identify you. Some of this information may be derived from personal information, but it is not personal information and cannot be tied back to you. Examples of such aggregate information include gender, age, race, household income, and political affiliation.

Information from Other Sources

We may receive information about you from other sources and add it to our account information. We protect this information according to the practices described in this Policy, plus any additional restrictions imposed by the source of the data. These sources may include online and offline data providers, from which we obtain demographic, interest-based, and online advertising related data; publicly-available sources such as open government databases or social networks; and service providers who provide us with information, or updates to that information, based on their relationship with you.

How We Use Your Information

We may use the information we collect about you in a variety of ways, including:

• To provide the Services and its content to you;
• To respond to comments and questions, and provide customer service;
• To fulfill the purpose for which you provide such information, or fulfill any other purpose disclosed by us when you provide the information;
• To communicate with you about your order, purchase, account, or subscription;
• To inform you about important changes to, or other news about, the Services or any of its features or content;
• To operate, maintain, improve, personalize, and analyze the Services;
• To monitor and analyze trends, usage, and activities for marketing or advertising purposes;
• To detect, prevent, or investigate security breaches, fraud, and other unauthorized or illegal activity;
• To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collection;
• To maintain appropriate records for internal administrative purposes;
• To allow you to participate in interactive features on the Services;
• To send promotional communications, such as information about features, newsletters, offers, promotions, contests, and events;
• To share information across the Company's products, services, and devices to provide a more tailored and consistent experience on all Company products, services, and devices that you use;
• To develop, test, troubleshoot, and improve new products, services, and features, including by conducting surveys and research, and testing and troubleshooting new products, services, and features;
• In any other way we may describe when you provide the information; and
• For any other purpose with your consent.

Text/SMS Message Consent and Opt-Out

If you choose, you can provide your mobile phone number to receive marketing text message alerts from Caput Capital, including product and/or event information, products tips or promotions that may be sent using automated dialing systems (“Text Messages”). Consent is not required to purchase goods or services. Message frequency varies. Message and data rates may apply and you should check the rates of your mobile carrier.

You can opt out from further text communications by texting STOP to the SMS number used by Caput Capital to contact you. We will send you a final SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you are experiencing issues with the messaging program you can reply HELP for more assistance, or you can get help directly at lending@caputcapital.com or (775) 251-7887 or any number associated with our services.

We may share your mobile phone number with service providers with whom we contract to assist us with the above activities. You acknowledge that Text Messages are distributed via third party mobile network providers and, therefore, we cannot control certain factors relating to message delivery. Carriers are not liable for delayed or undelivered messages.

How We Share Your Information

We may disclose aggregated or anonymized information about our users without any restrictions. We will not share your personal information that we collect or you provide as described in this Policy except in the following circumstances:

• With subsidiaries and affiliates for business purposes: To our subsidiaries and affiliated companies for purposes of management and analysis, decision-making, and other business purposes.
• When we work with service providers: To service providers, professional advisors, contractors, and other third parties that provide us with support services, such as payment processing, website hosting, information technology, sales, email and postal delivery, location mapping, product and service delivery, or analytics services, and who are bound by contractual obligations to keep personal information confidential and use it only for the purposes for which we disclose it to them.
• When we become involved in a sale or transfer of the Company: If we become involved with a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of the Company's assets (whether as a going concern or as part of a bankruptcy, liquidation, or similar proceeding), to business entities or people involved in the negotiation or transfer.
• When we are required by law: To comply with any court order, law, or legal process, including to respond to any government or regulatory request.
• When we enforce our rights: To enforce or apply this Policy, our Terms of Use, and other agreements, including for billing and collection purposes.
• To help protect lawful interests: If we believe disclosure will help us protect the rights, property, or safety of the Company, our users, partners, agents, and others. This includes exchanging information with other companies and organizations for fraud protection, and spam and malware prevention.
• To fulfill the purpose for that information or with your consent: To fulfill the purpose for which you provide the information, for any other purpose disclosed by us when you provide the information, or with your consent.
• When we work with marketing service providers: To marketing service providers to assess, develop, and provide you with promotions and special offers that may interest you; administer contests, sweepstakes, and events; or for other promotional purposes.
• When we work with business partners: To third parties whom we have strategic marketing alliances or partnerships with to provide you information regarding products and services that we think will be of interest to you.
• Third-party platforms and social media networks: To third-party platforms and social media networks, if you have enabled features or functionality that link the Services to such a platform or network (such as logging into the Services using your account with the third party).

Information that you post on or through the public areas of the Services is generally accessible to, and may be collected and used by, others and may result in unsolicited messages or other forms of contact from others. Users are encouraged to exercise caution when providing personal information about themselves in public or interactive areas.

Detailed Information on the Processing of Personal Data

Personal Data is collected for the following purposes and using the following third-party services:

Access to Third-Party Accounts

• Facebook account access (Facebook, Inc.): Allows Website to connect with the User's account on Facebook. Permissions asked: Business Management API, Chat, Mobile Messaging on behalf of Page, Page Messaging. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Advertising

• Google Ad Manager (Google LLC): Runs advertising campaigns with external networks. Uses the “DoubleClick” Cookie. Users may disable DoubleClick cookies via Google Ad Settings or Youronlinechoices. Personal Data: Tracker and Usage Data. Place of processing: United States – Privacy Policy. CCPA category: internet information.
• Facebook Lookalike Audience (Facebook, Inc.): Advertising and behavioral targeting service. Opt out via the DAA Opt-Out Page. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Analytics

• Google Analytics (Google LLC): Tracks and examines website usage. Personal Data: Tracker and Usage Data. Opt out via the Google Analytics Opt-Out Browser Add-on. Place of processing: United States – Privacy Policy. CCPA category: internet information.
• Google Ads Conversion Tracking (Google LLC): Connects data from Google Ads with actions on this Website. Personal Data: Tracker and Usage Data. Place of processing: United States – Privacy Policy. CCPA category: internet information.
• Facebook Ads Conversion Tracking / Pixel (Facebook, Inc.): Connects data from Facebook advertising network with actions on this Website. Personal Data: Tracker and Usage Data. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Connecting Data

• Zapier (Zapier Inc.): Workflow automation between services. Personal Data: Data communicated while using the service. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Contacting the User

• Mailing list or newsletter: Adds email address to contact list for promotional and commercial information. Personal Data: email address. CCPA category: identifiers.

Handling Payments

• Stripe (Stripe Inc.): External payment processor. Personal Data: payment details as specified in Stripe's privacy policy. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Managing Contacts and Sending Messages

• Mailgun (Mailgun Technologies, Inc.): Email address management and message sending. Personal Data: email address. Place of processing: United States – Privacy Policy. CCPA category: identifiers.
• Twilio (Twilio Inc.): Phone numbers management and communication. Personal Data: phone number. Place of processing: United States – Privacy Policy. CCPA category: identifiers.

Remarketing and Behavioral Targeting

• Google Ads Remarketing (Google LLC): Connects activity on this Website with the Google Ads advertising network. Opt out via Google Ads Settings. CCPA category: internet information.
• Facebook Custom Audience & Remarketing (Facebook, Inc.): Behavioral targeting services. Opt out via the DAA Opt-Out page. CCPA category: identifiers and internet information.

Tag Management

• Google Tag Manager (Google LLC): Centralized tag and script management. Personal Data: Usage Data. Place of processing: United States – Privacy Policy. CCPA category: internet information.

Your Choices & Mechanisms to Control Your Information

• Cookies and Tracking Technologies: You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. See our Cookie Policy for detailed controls.
• Promotional Communications: Opt out by following the unsubscribe instructions in any email, or by emailing us at lending@caputcapital.com.
• Targeted Advertising: Opt out of targeted advertising through the Digital Advertising Alliance (aboutads.info) or the Network Advertising Initiative (networkadvertising.org).
• Location Information: Disable location tracking in your mobile device settings.

How We Respond to Do Not Track Signals

“Do Not Track” is a privacy preference you can set in most web browsers. When turned on, it sends a signal indicating you do not wish to be tracked. Please note that we currently do not respond to Do Not Track browser signals.

Accessing and Correcting Your Information

You may send us an email at lending@caputcapital.com to request access to, correct, or remove any personal information that you have provided to us. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

California Privacy Rights (CCPA / CPRA)

This section applies to consumers residing in the State of California under the California Consumer Privacy Act (“CCPA”), as updated by the California Privacy Rights Act (“CPRA”).

Categories of Personal Information: We have collected identifiers, commercial information, and internet information over the preceding 12 months. We do not collect sensitive personal information.

Sale or Sharing of Personal Information: Under the broad statutory definitions of the CCPA/CPRA, the use of third-party advertising, analytics, and social network trackers may constitute a “sale” or “sharing” of personal information. You have the right to opt out of the sale or sharing of your personal information at any time. We also recognize and support the Global Privacy Control (“GPC”) signal.

Your CCPA/CPRA Rights:

• Right to Know and Portability: Request details on the categories and specific pieces of personal information collected, sources, purposes, and third parties to whom data was disclosed, sold, or shared over the past 12 months.
• Right to Deletion: Request deletion of your personal information, subject to legal exceptions.
• Right to Correction: Request correction of inaccurate personal information.
• Right to Opt Out: Direct us to stop selling or sharing your personal information.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To exercise your rights, submit a verifiable consumer request to lending@caputcapital.com. We will confirm receipt within 10 days and respond within 45 days (or up to 90 days with notice). You may submit up to two requests per 12-month period free of charge.

Virginia Privacy Rights (VCDPA)

This section applies to consumers residing in the Commonwealth of Virginia under the Virginia Consumer Data Protection Act (“VCDPA”).

Virginia residents have the right to confirm whether we process their personal data, access such data, correct inaccuracies, request deletion, obtain a portable copy, and opt out of the processing of personal data for purposes of targeted advertising, sale of personal data, or profiling.

To exercise these rights, contact us at lending@caputcapital.com. We will respond without undue delay and within 45 days. If we deny your request, you have the right to appeal our decision within 60 days, and if denied on appeal, you may contact the Virginia Attorney General.

How We Protect Your Information

We implement technical, physical, and administrative security measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure, or modification. All information is stored on secure servers behind firewalls, and highly sensitive information is encrypted in transit using Secure Sockets Layer (SSL) technology. However, no system or internet transmission is 100% secure, and any transmission of personal information is at your own risk.

Terms of Use

Your visit to our Services and any dispute over privacy are subject to this Policy and our Terms of Use, including limitations on damages, resolution of disputes, and application of the law of the State of Nevada.

Cookie Policy

Our Website uses trackers and cookies. To learn more, please review our Cookie Policy.

Contact Us

We welcome your questions, comments, and concerns about privacy. You can contact us at: