1. Introduction

Capital Loan Specialist (“we,” “us,” or “our”) is a lead generation property owned and operated by Reach Digital, LLC. We are committed to protecting the privacy of consumers who visit capitalloanspecialist.com and submit information through our loan inquiry forms.

This Privacy Policy describes what information we collect, how we use and share it, and your rights as a consumer. By using this website or submitting a form, you agree to the practices described in this policy.

2. Scope

This Privacy Policy applies exclusively to capitalloanspecialist.com and any subdomains or online properties directly associated with Capital Loan Specialist. It covers all information collected from consumers who visit this site or submit loan inquiry forms.

3. Information We Collect

3.1 Financial and Loan Inquiry Information

When you submit a loan inquiry form, we collect financial and personal information necessary to match you with potential lending partners, which may include:

• Full name, email address, phone number, and mailing address
• Requested loan amount and loan purpose
• Income, employment status, and employer information
• Self-reported credit information
• Date of birth and Social Security Number (where required for identity verification)
• Other financial details relevant to your loan inquiry

This information is treated as sensitive and is subject to heightened protection. It is shared only with vetted lending partners for the purpose of fulfilling your loan inquiry, in accordance with the consent you provide at the time of submission.

3.2 Contact and Identification Information

• Name, email address, phone number, and contact details
• Communications you initiate with us

3.3 Information Collected Automatically

• IP address, browser type, and device identifiers
• Pages visited, time on site, and referring URLs
• Cookies and similar tracking technologies (see Section 7 for full disclosure)

4. How We Use Information

• To match you with lending partners based on your submitted loan inquiry information
• To contact you regarding your loan inquiry and related products and services
• To fulfill legal and contractual obligations
• To protect the rights, safety, and integrity of our business and consumers
• To improve our website and lead generation services
• To send marketing communications where you have consented

5. Legal Basis for Processing

We process personal information on the following legal bases: (a) performance of a contract or pre-contractual steps at your request; (b) compliance with legal obligations; (c) legitimate business interests; and (d) your explicit consent, including for TCPA-regulated telephone and text communications.

6. TCPA Consent and Telephone Communications

By submitting a form on this website, you expressly consent, as required under the Telephone Consumer Protection Act (TCPA), to receive telephone calls, text messages, and/or autodialed or prerecorded calls from Capital Loan Specialist and its network of lending partners at the phone number you provide — including mobile numbers — for the purpose of following up on your loan inquiry. Standard message and data rates may apply.

The exact consent language presented to consumers at the point of form submission is:

“By checking here, I agree that I have read and agree to the above terms and notices, Capital Loan Specialist’s Privacy Policy and Terms of Use.”

“By clicking ‘Submit’ below, you authorize Capital Loan Specialist to contact you about our products and services, at the email addresses and/or telephone numbers you provided (including via automated telephone dialing systems, prerecorded messages, and SMS/MMS (text) messages), even if your number is on a federal or state Do-Not-Call list. Message and data rates may apply. Consent to be contacted through these means is not a condition to use of our services. You may opt out of these communications at any time. For more details, please review our Privacy Policy.”

Both consent checkboxes are presented as affirmative opt-ins. Pre-checked boxes are prohibited. This consent is not a condition of any purchase or service.

Opt-Out Options:

• SMS: Reply STOP to any message. SMS opt-outs are honored immediately.
• Other marketing: Contact us at team@capitalloanspecialist.com. Opt-outs processed within 10 business days.

We document TCPA consent at the point of collection, including the date and time of submission, the specific consent language presented, and the form through which consent was obtained. This documentation is retained for a minimum of 5 years.

7. Cookies and Tracking Technologies

Our website uses cookies and third-party tracking technologies to operate our services, understand user behavior, and deliver relevant advertising. The following tools are currently active on this site:

Tool	Purpose	Opt-Out
NextRoll (AdRoll)	Retargeted advertising and marketing analytics. Collects browser and browsing behavior data to serve relevant ads.	app.adroll.com/email_optout or via the AdChoices icon on ads.
Facebook Pixel	Tracks conversions from Facebook ads and supports audience targeting on Facebook and Instagram.	facebook.com/settings under Ads, or via your browser’s cookie controls.

You may also adjust your browser settings to refuse or delete cookies. Note that some features of the site may not function properly if cookies are disabled.

8. Sharing of Information

We share your information in the following circumstances:

• Lending Partners: We share your loan inquiry information with our network of licensed lending partners for the purpose of fulfilling your loan request. Partners receive only the information necessary to evaluate and respond to your inquiry.
• Service Providers: We share information with vendors who support our operations (e.g., technology, analytics, compliance) under strict confidentiality agreements.
• Advertising Technology Vendors: We use NextRoll and Facebook Pixel as described in Section 7. These vendors process data in accordance with their own privacy policies.
• Legal Requirements: We may disclose information as required by law, court order, or regulatory request.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, information may be transferred to a successor entity.

We do not sell your personal information to third parties for their own independent marketing purposes.

9. Data Retention

We retain consumer information for as long as necessary to fulfill the purposes described in this policy and to comply with applicable legal obligations. Loan inquiry data and associated consent records are retained for a minimum of 5 years. You may request deletion of your information subject to our legal retention obligations.

10. Security

We implement industry-standard technical and organizational measures to protect personal information from unauthorized access, disclosure, alteration, or destruction. Sensitive financial information is subject to heightened access controls and is encrypted in transit and at rest.

No method of internet transmission or electronic storage is 100% secure. While we strive to protect your personal information, we cannot guarantee absolute security. In the event of a data breach affecting your information, we will notify you as required by applicable law.

11. California Consumer Privacy Act (CCPA)

If you are a California resident, you have the following rights under the CCPA:

• Right to Know: The categories and specific pieces of personal information we have collected about you and how we use and share it.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt Out of Sale/Sharing: We do not sell your personal information. We may share it with lending partners as described in this policy, which may constitute “sharing” under the CCPA.
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a CCPA request, contact us at team@capitalloanspecialist.com with the subject line “CCPA Request.” We will respond within 45 days, with an extension of up to 90 days if necessary.

12. Your Rights (All Consumers)

Regardless of your location, you may contact us to:

• Request access to the personal information we hold about you
• Request correction of inaccurate information
• Request deletion of your information, subject to legal obligations
• Opt out of marketing communications
• Withdraw consent where processing is based on consent

To exercise any of these rights, contact: team@capitalloanspecialist.com

13. Contact Information

Property	Capital Loan Specialist
Privacy Contact	Chief Executive Officer
Email	team@capitalloanspecialist.com
Website	www.capitalloanspecialist.com

14. Updates to This Policy

We may update this Privacy Policy periodically. Material changes will be communicated via a posted notice on this website or by email if you have an active inquiry. Continued use of this site following such notice constitutes acceptance of the updated policy.