Privacy Policy & SMS Terms of Service

1. Information We Collect

We may collect the following categories of personal information when you visit our website, submit an inquiry, or apply for a mortgage loan:

• Contact Information: Full name, email address, phone number (including mobile number), and mailing address.
• Financial Information: Income, employment history, assets, liabilities, credit history, and Social Security number (collected solely for loan application and underwriting purposes).
• Property Information: Subject property address, estimated value, intended use, and loan purpose.
• Technical Information: IP address, browser type and version, device identifiers, pages visited, time spent on pages, and referring URLs collected automatically via cookies and similar technologies.
• Communications: Messages, inquiries, and feedback submitted through our website contact forms, email, live chat, or SMS/text messaging.
• SMS/Text Messaging Data: Mobile phone number, opt-in consent records, message content, and opt-out requests. See Part II for full SMS Terms of Service.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Process mortgage loan applications, pre-approval requests, and loan inquiries.
• Communicate with you regarding your loan application, status updates, and required documentation.
• Send transactional and informational SMS/text messages related to your specific loan inquiry or application (with your prior express written consent).
• Send information about mortgage programs, rates, and services only with your separate express affirmative consent for marketing or promotional communications, subject to your right to opt out at any time.
• Comply with applicable federal and state mortgage lending laws and regulations, including RESPA, TILA, ECOA, HMDA, and the Gramm-Leach-Bliley Act.
• Verify your identity, prevent fraud, and maintain the security of our systems.
• Improve our website functionality, services, and overall customer experience.
• Respond to your questions, complaints, and support requests.

3. How We Share Your Information

We do not sell your personal information to third parties. We may share your information only in the following limited circumstances:

• Lending Partners & Investors: Wholesale lenders, investors, and secondary market participants as necessary to process, underwrite, and fund your mortgage loan.
• Service Providers: Title companies, escrow agents, appraisers, credit bureaus, flood certification providers, and technology vendors who assist in loan origination and processing — all bound by confidentiality obligations.
• Regulatory & Government Authorities: As required by applicable law, court order, subpoena, or government regulation, including disclosures to the CFPB, HUD, FHA, VA, USDA, and state mortgage regulators.
• Affiliated Companies: Within the Capital Financial Group Corporation corporate family for legitimate operational and compliance purposes.
• Business Transfers: In connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets, subject to confidentiality protections.

4. Gramm-Leach-Bliley Act (GLBA) Notice

As a licensed mortgage lender, Capital Financial Group Corporation is subject to the Gramm-Leach-Bliley Act (15 U.S.C. § 6801 et seq.). We collect nonpublic personal information ("NPI") about you from: (a) information you provide on applications and other forms; (b) information about your transactions with us, our affiliates, or others; and (c) information we receive from consumer reporting agencies.

We limit the sharing of your NPI to those purposes permitted or required by law. You have the right to opt out of certain disclosures of your NPI to non-affiliated third parties. Our annual GLBA Privacy Notice is delivered at the time of loan application and is available upon request. Depending on our specific information-sharing practices, we may qualify for the exception to the annual privacy notice requirement under the FAST Act amendments to GLBA; however, we provide this notice at application and upon request regardless.

5. Fair Credit Reporting Act (FCRA)

We may obtain consumer credit reports and other consumer reports in connection with your mortgage loan application. You have rights under the FCRA (15 U.S.C. § 1681 et seq.), including the right to know if information in your credit file has been used against you, the right to know what is in your credit file, the right to dispute inaccurate information, the right to have inaccurate information corrected or deleted, and the right to know your credit score. For more information about your FCRA rights, visit consumerfinance.gov or ftc.gov.

6. Cookies and Tracking Technologies

Our website uses cookies, web beacons, pixel tags, and similar tracking technologies to remember your preferences, analyze traffic, improve functionality, and measure marketing effectiveness. You may disable or delete cookies through your browser settings at any time. We do not respond to "Do Not Track" browser signals at this time.

7. Data Security

We implement commercially reasonable safeguards including SSL/TLS encryption for data in transit, encryption of sensitive data at rest, strict access controls, secure loan origination platforms, vendor oversight, and incident response procedures. While no method is 100% secure, we take the protection of your information seriously. Contact us immediately at [email protected] or 561-677-2340 if you believe your information has been accessed without authorization.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy and to comply with legal and regulatory obligations (typically 3–7 years for mortgage records under RESPA, ECOA, HMDA, and state regulations).

SMS opt-in consent records, mobile numbers, and related compliance data are retained as necessary to demonstrate compliance with TCPA, CTIA guidelines, and carrier requirements (including proof of prior express written consent). These records may be retained even if you request deletion of other personal information, subject to applicable law.

After the applicable retention period, records are securely destroyed.

9. Your Rights and Choices

Depending on your state of residence, you may have the following rights:

• Right to Access, Correction, and Deletion (subject to legal retention requirements, including TCPA consent records).
• Right to Opt Out of Marketing communications at any time.
• Right to a copy of your loan file as permitted by law.
• Right to opt out of SMS communications by replying STOP (or equivalent) to any message.

To exercise these rights, contact us at:

10. California Residents — CCPA Rights

California residents have additional rights under the CCPA/CPRA. We do not sell or share personal information as defined under the CCPA. Submit requests to [email protected].

11. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect information from minors.

12. Third-Party Links

We are not responsible for the privacy practices of third-party sites.

13. Changes to This Privacy Policy

We may update this policy at any time. Material changes will be posted with a revised "Last Updated" date. Continued use constitutes acceptance.

14. SMS Program Description

Capital Financial Group Corporation operates an SMS messaging program to communicate with clients and prospective clients regarding mortgage loan inquiries, application status updates, document requests, appointment reminders, and general mortgage-related transactional and informational messages. Messages are sent from CFGC, NMLS #2547138, 110 Front Street, Suite 300, Jupiter, FL 33477.

15. How to Opt In to SMS Communications

You may opt in by:

• Checking the SMS consent checkbox on our website forms;
• Texting a designated keyword; or
• Providing written consent to a CFGC team member.

By opting in, you confirm you are the account holder or authorized user of the mobile number, are 18+, and expressly consent to receive SMS messages from Capital Financial Group Corporation.

This consent authorizes CFGC to use an automatic telephone dialing system (ATDS) or artificial or pre-recorded voice technology to deliver messages where permitted by law.

Transactional and informational messages related to your specific loan inquiry or application are covered under this consent. Separate affirmative consent is required for any marketing or promotional SMS communications regarding mortgage programs, rates, or services.

16. Message Frequency

Message frequency varies based on the status of your loan file. We will not send excessive or unsolicited messages.

17. Message and Data Rates

Message and data rates may apply. CFGC is not responsible for carrier charges.

18. How to Opt Out of SMS Communications

Reply STOP, STOPALL, UNSUBSCRIBE, CANCEL, END, or QUIT to any message. You will receive a one-time confirmation, and no further messages will be sent unless you re-enroll. You may also opt out by contacting us directly. Opting out of SMS does not affect email or phone communications.

19. How to Get Help

Reply HELP to any message or contact us at the details below.

20. SMS Opt-In Data — Privacy Protection (Carrier Requirement)

21. Supported Carriers

Supported by most major U.S. carriers. CFGC is not liable for carrier delays or limitations.

22. Changes to SMS Terms

Material changes will be communicated via SMS or posted here with a revised date. Continued participation constitutes acceptance.

23. Contact Us