Privacy Policy

Last updated: January 2024

1. Introduction

CapitalTrack Inc. ("we", "us", "our", or "Company") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and otherwise handle your information when you use our website, mobile application, and related services (collectively, the "Service").

2. Information We Collect

Personal Information You Provide

We collect information you provide directly to us, such as when you create an account, including your name, email address, phone number, date of birth, and financial information linked through secure connections.

Automatically Collected Information

We automatically collect certain information when you use the Service, including device information, usage patterns, transaction history, and IP addresses.

Financial Information

Through our bank integration partners, we access your transaction and account information with your explicit consent. This data is encrypted and securely stored.

3. How We Use Your Information

We use the information we collect to:

  • Provide, maintain, and improve the Service
  • Process transactions and send related information
  • Send promotional communications (with your consent)
  • Respond to your inquiries and provide customer support
  • Monitor and analyze trends and usage
  • Detect and prevent fraudulent transactions
  • Comply with legal obligations

4. Data Security

We implement comprehensive security measures to protect your personal information, including AES-256 encryption for data in transit and at rest, OAuth 2.0 authentication, and multi-factor authentication. We conduct regular security audits and maintain SOC2 Type II certification.

5. Your Rights Under GDPR and CCPA

GDPR Rights (EU Residents)

You have the right to access, correct, delete, or port your personal data. You can also withdraw consent at any time and object to certain processing activities.

CCPA Rights (California Residents)

You have the right to know, delete, and opt-out of the sale of your personal information. You can also request information about the specific pieces of personal data we hold.

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience, personalize content, and analyze website traffic. You can control cookie settings through your browser preferences.

7. Third-Party Sharing

We do not sell your personal information. We share information only with service providers who assist in our operations, and only when necessary and under strict confidentiality agreements. We may disclose information when required by law.

8. Retention

We retain personal information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy, or as required by law. You can request deletion at any time, subject to legal obligations.

9. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us at:

CapitalTrack Inc.

Email: privacy@capitaltrack.com

Address: 123 Finance Street, San Francisco, CA 94105

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on the Service and updating the "Last Updated" date.