Privacy Policy

1. Information We Collect

We collect the following information when you use our website:

• Account Information: Name, email address, username, and password (stored in encrypted form).
• SMS Information: Mobile phone number, SMS consent records, opt-out preferences, and message delivery logs.
• Usage Data: IP address, browser type, login timestamps, and pages visited.

2. How We Use Your Information

We use your information to:

• Create and manage your account and login credentials.
• Send SMS notifications you have consented to (alerts, 2FA codes, updates, or promotions).
• Verify your identity and secure your account.
• Comply with legal obligations (e.g., TCPA, GDPR).

3. SMS Consent & Opt-Out

• We only send SMS messages to numbers that have expressly opted in.
• You may opt out at any time by texting STOP, UNSUBSCRIBE, or CANCEL to any message we send.
• Opt-out requests are processed immediately and stored permanently.
• We never share your phone number with third parties for their own marketing purposes.

4. Data Sharing

We do not sell your personal information. We may share data with:

• SMS gateway providers (e.g., AWS) solely to deliver text messages.
• Law enforcement if required by law or to protect our legal rights.

5. Data Security

• Passwords are hashed and salted - we never store plain-text passwords.
• We use encryption (TLS/SSL) for data transmission.
• However, no method of transmission or storage is 100% secure. You use our service at your own risk.

6. Your Rights

Depending on your location, you may have the right to:

• Access, correct, or delete your personal data.
• Withdraw SMS consent at any time.
• Request a copy of your data.

To exercise these rights, email us at support@capitalrag.com.

7. Data Retention

• Account information: Retained until you delete your account or request removal.
• SMS consent records: Retained for 5 years (for compliance with TCPA).
• You may delete your account by emailing support@capitalrag.com.

8. Children's Privacy

Our website is not intended for children under 18. We do not knowingly collect data from children.

9. Changes to This Policy

We may update this Privacy Policy. Material changes will be notified via email or website notice.

10. Contact Us

For privacy questions, SMS opt-out requests, or account deletion:

Email: support@capitalrag.com