This Capital Financial Group, Inc.Family of Companies Privacy Policy (“Privacy Policy”) describes how the Capital Financial Group, Inc.Family of Companies (as defined in "Who We Are" below) process information collected on our websites and applications (including mobile) or through your online interactions with us (collectively, our "Services").
In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the products and services you obtain from us or different laws that may apply to you. Some states may provide additional privacy rights. Please refer to the Additional Information Regarding Your State Privacy Rights section to learn more.
By using any of our Services, you acknowledge the privacy practices we describe in this Privacy Policy. You also acknowledge that you have read this policy and other policies described.
When we say "Capital Financial Group, Inc. Family of Companies," we mean the below listed companies inclusive of Capital Financial GroupLimited Partnership (formerly known as "Capital Financial Group, Inc."), and the companies that are controlled by Capital Financial Group, Inc. and share the Capital Financial Groupname. A reference to "Capital Financial Group, Inc.", "we" or "us" is a reference to the relevant commonly-branded operating company in the Capital Financial GroupFamily of Companies that is involved in the processing activity. This policy does not apply to Capital Financial Group, Inc.affiliates that aren't a part of the Capital Financial Group Family of Companies ("Affiliates"). The data practices of Affiliates are governed by their own privacy policies.
Information You Provide We collect information you provide to us. For example, we collect information from you when you create a CFGaccount, fill out a form or otherwise submit content through our Services, are referred to us via one of our third-party professional partner relationships, make a purchase, communicate with us via third-party platforms, participate in a contest, promotion or survey, request customer support or information about our Services, use the chat function on our Services, or otherwise communicate with us.
The specific information we collect depends on the context in which you provide it, and could include:
Information We Automatically CollectWe automatically collect certain information about your interactions with us or our Services, including:
Information We Collect From Other Sources We obtain information from third-party sources in certain situations. For example, we may collect information about you from identity or other verification services, credit bureaus (including your credit report), advertising networks, mailing list providers, service providers and data brokers. Our Services also may allow or require you to integrate or connect your CFGaccount with third-party services through service providers (such as Plaid), which allows you to more easily complete your transaction with us by importing certain information, such as bank account information, directly to us rather than you having to upload it manually.
The information we receive from such third parties varies depending on the information made available by those entities. Examples of the types of information we receive include financial account information, information about account balance, information about credit accounts, information about loan accounts, information about investment accounts, identifiers and information about account owners, information about account transactions and employment information.
Additionally, if you create or log into your CFGaccount through a third-party platform, such as Facebook or Google, we'll have access to certain information from that platform, such as your name, birthday, and profile picture, in accordance with the authorization procedures determined by such platform.Information We Derive We may derive information or draw inferences about you based on the information we collect. For example, we may make inferences about your location based on your IP address or city or postal code or infer that you are looking to purchase certain products based on information you provide to us and your browsing behavior and past purchases. We may incorporate products and services that use artificial intelligence, including large language models and machine learning, to derive this information and draw these inferences. Plaid Technologies Capital Financial Group, Inc.enables you to use Plaid Technologies, Inc. to gather data from financial institutions. By using the Services, you acknowledge and agree that your information will be processed in accordance with the Plaid Privacy Policy and you grant Capital Financial Group, Inc.and Plaid the same rights, power and authority as specified therein.
We use the information we collect to provide our Services to you.
Other Reasons to Collect Information
We also use the information we collect to:
We share personal information in the following circumstances or as otherwise described in this policy.
Sharing Among Capital Financial GroupFamily Of Companies The Capital Financial GroupFamily of Companies use and share your information with each other in accordance with this Capital Financial Group Family of Companies Privacy Policy. This allows the Capital Financial Group Family of Companies to manage and provide and offer you a variety of their services through a broad lifecycle of your personal and financial needs.
Sharing With AffiliatesCapital Financial Group, Inc.also shares your information with our Affiliates. For example, we share, or may share, your information:
Sharing With Other Third Parties Capital Financial Group, Inc.shares your information with non-affiliated third parties in the following circumstances:
Cookie Management As noted above, we use cookies to ensure that the Services function and to optimize user experience. You may choose to turn off advertising cookies and can update your preferences at any time. Disabling cookies may affect your experience on our Services. You can manage advertising cookies by visiting our Do Not Sell My Personal Information webpage. You can also manage cookies directly at your browser level. Web and Mobile Apps We share personal information to allow others to provide analytics services and serve advertisements across the web and in mobile apps. These entities may use cookies, web beacons, device identifiers and other technologies to collect information about your use of our Services and other websites and applications, including your IP address, web browser, mobile network information, pages viewed, time spent on pages or in mobile apps, links clicked and conversion information.
This information may be used by Capital Financial Group, Inc. and others to, among other things, analyze and track data, reconstruct or observe activity relating to a session, determine the popularity of certain content, deliver advertising and content targeted to your interests on our Services and other websites, and better understand your online activity.
For more information about interest-based ads, or to opt out of having your web browsing information used for behavioral advertising purposes, please visit www.aboutads.info/choices. Your device may also include a feature ("Limit Ad Tracking" on iOS or "Opt Out of Interest-Based Ads" or "Opt Out of Ads Personalization" on Android) that allows you to opt out of having certain information collected through mobile apps used for behavioral advertising purposes. Certain state privacy laws also provide their residents with rights relating to submitting a direct opt-out for the sharing of personal information for purposes of cross-contextual, or interest-based, advertising. For more information, please see the “Additional Information Regarding Your State Privacy Rights” section below. Third Party Platforms We also share personal information to work with third parties to serve ads to you as part of customized campaigns on third-party platforms (such as Facebook). As part of these ad campaigns, we or the third-party platforms may convert information about you, such as your email address or phone number, into a unique value that can be matched with a user account on these platforms to allow us to learn about your interests and serve you advertising that is customized to your interests. Note that third-party platforms may offer you choices about whether you see these types of customized ads.
Capital Financial Group, Inc.products are not intended for children. We don't direct our Services to children under 16, or knowingly attempt to solicit or receive information from children.
California law permits residents of California to request certain details about how their information is shared with third parties for direct marketing purposes. If you're a California resident and would like to make such a request, please call us at 888-444-7492.
Capital Financial Group, Inc.is headquartered in the United States, and the Capital Financial GroupFamily of Companies offers goods and services to consumers in the United States. We have operations and vendors in the United States and other countries. Therefore, we and those that perform work for us may transfer your personal information to, or store or access it in, jurisdictions that may not provide levels of data protection that are equivalent to those of your home jurisdiction.
Communication Choices You may opt-out of promotional emails by following the unsubscribe link in email messages, or by updating your preferences with us. You also may have the right to opt-out of certain phone calls and text messages. The opt-out processes for phone calls and text messages are handled differently at each relevant Capital Financial Group, Inc.Company in the Capital Financial Group Family of Companies. Please visit each website to learn more.
Our telephone calls are recorded, both by us and third-party service providers, for quality assurance purposes, as well as for fraud detection, troubleshooting, and complaint resolution. If you do not wish to have phone calls recorded, you must choose an alternative communication method, such as email.
Our website and mobile application chats are powered by AI and recorded for quality assurance by us and third parties. If you do not wish to have those chats recorded, you must close the chat function and choose an alternative communication method. Right to Correct Account Information You may update and correct certain account information, or delete your account, by logging into your account or calling us at 888-444-7492. Please note that we may retain certain information as required by law or for our legitimate business purposes. For more information, please see Additional Information Regarding Your State Privacy Rights. Location Information When you first launch any of our mobile apps that collect precise location information, or when you visit portions of our Services that collect precise location information, you'll be asked to consent to the collection of this information. If you initially consent to our collection of such location information, you can subsequently stop the collection of this information at any time by changing the preferences on your mobile device. It is important to note that some Services may not function without precise location information. You may also stop a mobile app's collection of location information by following the standard uninstall process to remove the app from your device. Do Not Track Signals You may be using an Internet browser that can communicate your privacy preferences to the website, including requests not to track your usage and browsing history. Our websites are configured to recognize those browser signals. If we recognize one of these signals – which may be referred to or are labeled by your browser as “do not track” or “opt-out preference” or “global preference” signals – we give you the option of submitting a request to opt-out of sale/sharing. For more information on opting out of the sale/sharing of personal information, please see Additional Information Regarding Your State Privacy Rights, below.
We use reasonable measures to protect the confidentiality and security of the personal information that you provide to us or that we otherwise collect and process.
We may change this Capital Financial Group Family of Companies Privacy Policy from time to time. If we make changes, we'll notify you by revising the date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our website or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.
If you have questions regarding this Capital Financial Group Family of Companies Privacy Policy, our information practices or other aspects of privacy relating to our Services, call us at 877-652-3097.
Some states require that we provide additional information regarding our privacy practices and your privacy rights. States that have passed comprehensive privacy laws giving residents specific privacy rights include: California, Florida, and Utah.
Below we provide you additional notices about our privacy practices and consumer rights relating to your information. Some of the rights may depend on when the law is effective and whether you are a resident of a state with specific privacy laws, as well as other factors. Also, some of the companies within the Capital Financial GroupFamily of Companies are financial institutions subject to other regulatory privacy frameworks, such as the Gramm Leach Bliley Act (GLBA), and the privacy disclosure and rights described in this section may not apply. Notice of Information Collected In the preceding 12 months, we have collected the following categories of personal information: