Introduction

CapSpark LLC and its affiliates ("CapSpark," "we," "us," or "our") are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, share, and protect your information when you visit our website at capsparkfinancial.com or use our financial services.

By using our website or services, you agree to the practices described in this Privacy Policy. If you don't agree with these practices, please don't use our website or services.

We may update this Privacy Policy from time to time. When we make significant changes, we'll notify you as required by law and post the updated policy on our website. The updated version becomes effective immediately when posted.

1. Information We Collect

We collect several types of information to provide you with our financial services and improve your experience.

Information You Provide to Us

Account and Application Information When you create an account or apply for our services, we collect:

• Personal details: Name, email address, phone number, physical address

• Account credentials: Username and password

• Identification information: Social Security number, driver's license number

• Business information: Business name, type, size, years in operation, industry

• Financial information: Bank account details, credit history, income, financial statements, tax identification numbers

• Beneficial ownership information when required by law to prevent financial crimes

Communications When you contact us through our website, email, phone, or chat, we collect:

• Your contact information

• The content of your messages

• Any feedback, reviews, or suggestions you provide

Documents and Records You may provide us with:

• Bank statements and financial records

• Tax returns and business documents

• Legal documents and contracts

• Other supporting materials for your applications

Information We Collect Automatically

Website Usage Information When you visit our website, we automatically collect:

• Pages you visit and content you view

• Time spent on pages and overall visit duration

• Links you click and actions you take

• Search terms you enter

• Referring websites and exit pages

Device and Technical Information We collect technical information about your device and internet connection:

• IP address and general location (city/region level)

• Device type, operating system, and browser type

• Screen resolution and device identifiers

• Network and connection information

Cookies and Similar Technologies We use cookies, web beacons, and similar tracking technologies to enhance your experience and analyze website performance. See Section 4 for more details about cookies.

Information from Third Parties

To provide our services effectively and comply with regulations, we may receive information about you from:

Credit and Financial Sources

• Credit reporting agencies and bureaus

• Banks and financial institutions

• Payment processors and financial data providers

Verification and Fraud Prevention

• Identity verification services

• Fraud detection and prevention companies

• Background check providers

Business Partners

• Referral partners and lead generators

• Marketing partners and affiliates

• Other financial service providers

Government and Public Records

• Regulatory agencies and government databases

• Public business registries

• Court records and legal databases

2. How We Use Your Information

We use the information we collect for several business purposes:

Primary Business Functions

• Service Delivery: Provide financial services, process applications, and manage your account

• Identity Verification: Confirm your identity and conduct required due diligence

• Risk Assessment: Evaluate creditworthiness and assess business risks

• Transaction Processing: Handle payments, transfers, and other financial transactions

• Account Management: Maintain your account and provide ongoing service

Communication and Support

• Customer Service: Respond to inquiries, provide support, and resolve issues

• Account Updates: Send important notifications about your account or services

• Marketing Communications: Share information about new services and offers (you can opt out)

• Surveys and Feedback: Gather insights to improve our services

Business Operations and Improvement

• Website Analytics: Understand how visitors use our website and improve functionality

• Product Development: Develop new features and improve existing services

• Research and Analysis: Conduct market research and business analytics

• Quality Assurance: Monitor service quality and customer satisfaction

Legal and Security Purposes

• Compliance: Meet legal and regulatory requirements

• Fraud Prevention: Detect and prevent fraudulent activity

• Security: Protect our systems, website, and customer information

• Legal Proceedings: Respond to legal requests and defend our rights

Data Analytics and Reporting

We may create aggregated, de-identified reports and analytics that don't identify individual customers. These reports help us understand market trends and improve our services.

3. How We Share Your Information

We share your information in specific circumstances to provide our services and meet legal obligations.

Service Providers and Vendors

We work with trusted third-party companies that help us operate our business:

• Technology Services: Website hosting, data storage, and IT support

• Communication Services: Email delivery, customer support platforms

• Analytics Providers: Website analytics and business intelligence tools

• Security Services: Fraud detection, identity verification, and cybersecurity

Financial Partners

• Banks and Lenders: To facilitate loans, credit products, and financial services

• Payment Processors: To handle transactions and payments

• Credit Agencies: To report payment history and obtain credit information

• Insurance Companies: For business insurance and risk management

Legal and Regulatory Requirements

We may share information when required by law:

• Government Agencies: To comply with legal requests and regulatory requirements

• Law Enforcement: In response to valid legal requests and investigations

• Court Orders: When required by court orders or legal proceedings

• Regulatory Compliance: To meet financial services regulations and reporting requirements

Business Transactions

If CapSpark is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. We'll notify you before your information becomes subject to a different privacy policy.

Consent-Based Sharing

We may share information with your explicit consent for specific purposes you've approved.

Important Note: We do not sell your personal information to third parties for their marketing purposes.

4. Cookies and Tracking Technologies

What Are Cookies?

Cookies are small text files stored on your device that help websites function properly and provide analytics information.

How We Use Cookies

• Essential Cookies: Required for basic website functionality, such as login and security features

• Analytics Cookies: Help us understand how visitors use our website

• Marketing Cookies: Enable us to show you relevant advertisements on other websites

• Preference Cookies: Remember your settings and preferences for future visits

Third-Party Cookies

We use cookies from trusted partners like Google Analytics to analyze website traffic and improve user experience. These partners have their own privacy policies governing their use of your information.

Managing Cookies

You can control cookies through your browser settings:

• Most browsers allow you to block or delete cookies

• You can set preferences for different types of cookies

• Some browser extensions help manage tracking technologies

Note that blocking cookies may affect website functionality and your user experience.

Online Advertising

We may use advertising networks to show you relevant ads on other websites. You can opt out of targeted advertising through:

• Network Advertising Initiative: optout.networkadvertising.org

• Digital Advertising Alliance: optout.aboutads.info

5. Your Privacy Rights and Choices

General Rights

All users have the right to:

• Access Information: Request details about the information we have about you

• Correct Information: Ask us to fix inaccurate or incomplete information

• Marketing Opt-Out: Unsubscribe from marketing emails and communications

• Account Access: View and update certain information through your account settings

California Residents' Rights

If you're a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

Right to Know: Request information about:

• What personal information we collect

• Sources of that information

• Why we collect it

• Who we share it with

Right to Delete: Request deletion of your personal information, subject to certain exceptions for legal and business requirements.

Right to Opt-Out: Opt out of the "sale" of personal information (though we don't actually sell personal information as commonly understood).

Right to Non-Discrimination: We won't discriminate against you for exercising your privacy rights.

How to Exercise Your Rights

To exercise any of these rights:

• Email: capsparkfinancial@gmail.com

• Phone: 801-753-9674

• Mail: Write to us at the address in the Contact section

We'll verify your identity before processing requests to protect your information security.

6. Data Security

Our Security Measures

We implement industry-standard security measures to protect your information:

• Encryption: Sensitive data is encrypted during transmission and storage

• Access Controls: Strict limits on who can access your information

• Regular Monitoring: Continuous monitoring for security threats and vulnerabilities

• Employee Training: Regular training on data security and privacy practices

Your Role in Security

You can help protect your information by:

• Using strong, unique passwords

• Keeping your login credentials confidential

• Logging out of your account when finished

• Reporting suspicious activity immediately

Security Limitations

While we use strong security measures, no system is completely secure. We cannot guarantee absolute security of information transmitted over the internet or stored electronically.

7. Data Retention

We keep your information only as long as necessary for:

• Providing our services to you

• Meeting legal and regulatory requirements

• Resolving disputes and enforcing agreements

• Legitimate business purposes

When information is no longer needed, we securely delete or anonymize it according to our data retention policies.

8. Children's Privacy

Our services are designed for businesses and adults. We do not knowingly collect personal information from children under 13. If we learn that we've collected information from a child under 13, we'll delete that information promptly.

If you believe a child has provided us with personal information, please contact us immediately.

9. International Data Transfers

If you're located outside the United States, your information may be transferred to and processed in the United States, where our servers and business operations are located. By using our services, you consent to this transfer and processing.

10. Nevada Residents

Nevada law gives residents the right to opt out of the "sale" of personal information. We don't sell personal information as defined by Nevada law, but if you're a Nevada resident, you can still submit an opt-out request that we'll honor if our practices change in the future.

11. Third-Party Links

Our website may contain links to other websites. This Privacy Policy only applies to our website and services. We're not responsible for the privacy practices of other websites, so please review their privacy policies before providing any information.

12. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or applicable laws. When we make material changes, we'll:

• Post the updated policy on our website

• Update the "Last Updated" date

• Notify you through email or website notices as required by law

We encourage you to review this Privacy Policy regularly to stay informed about how we protect your information.

13. Contact Information

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

CapSpark LLC
Email: capsparkfinancial@gmail.com
Phone: 801-753-9674
Address:
10 W Broadway 7th Floor
Salt Lake City, Utah 84101

Business Hours: 9:00 A.M. - 5:00 P.M. EST Monday-Friday

For privacy-specific inquiries, you can also email us directly at: [privacy email address]

We'll respond to your privacy requests within the timeframes required by applicable law, typically within 30 days for most requests.

This Privacy Policy is effective as of the date listed above and applies to all information collected by CapSpark LLC through our website and services.