Privacy Policy

Capital Kings, LLC ("Capital Kings," "we," "us," or "our") is a non-QM and hard money mortgage brokerage based in Cypress, Texas. We are committed to protecting the privacy and security of the personal and financial information you share with us. This Privacy Policy explains what data we collect, how we use it, and your rights regarding that data.

By accessing our website at CapitalKings.Co or using our borrower portal, you agree to the practices described in this policy.

1. Information We Collect

Information You Provide Directly

• Name, email address, phone number, and mailing address
• Date of birth and government-issued identification numbers (as required for loan processing)
• Financial information including income, assets, and credit details
• Bank statements and financial documents uploaded through our borrower portal
• Property information related to loan applications

Information Collected Through Bank Linking (Plaid)

Our borrower portal offers optional bank account linking powered by Plaid Technologies, Inc. If you choose to connect your bank account through Plaid, we receive bank statements and account verification data directly from your financial institution. Plaid's own privacy policy governs their data practices and is available at plaid.com/legal/privacy-policy. We use this data solely for loan underwriting purposes.

Automatically Collected Information

• Browser type, device type, and operating system
• IP address and approximate location
• Pages visited and time spent on the site

2. How We Use Your Information

We use the information we collect for the following purposes:

• To evaluate and process your loan application
• To connect you with lenders in our network on your behalf
• To communicate with you regarding your application, loan status, and related matters
• To verify your identity and prevent fraud
• To comply with applicable laws, regulations, and lender requirements
• To improve and maintain our website and borrower portal

We do not sell your personal or financial information to third parties. We do not use your data for advertising purposes.

3. How We Share Your Information

We may share your information in the following limited circumstances:

• Lenders: With lenders in our network as part of the loan submission process.
• Service Providers: With technology partners such as Plaid (bank linking) and Salesforce (CRM) who process data on our behalf under confidentiality obligations
• Legal Requirements: When required by law, subpoena, or other legal process
• Business Transfers: In connection with any merger, acquisition, or sale of business assets

4. How We Protect Your Information

We implement industry-standard security practices to protect your data:

• All data transmitted between your browser and our servers is encrypted using TLS 1.2 or higher (HTTPS)
• Documents and financial data stored in our systems are encrypted at rest using AES-256 encryption via Google infrastructure
• Access to our systems and your data is protected by multi-factor authentication (MFA)
• We restrict access to consumer data to authorized personnel only, on a need-to-know basis

While we take these precautions seriously, no method of electronic transmission or storage is 100% secure. We encourage you to protect your account credentials and notify us immediately of any suspected unauthorized access.

5. Data Retention

We retain your personal and financial data for as long as necessary to fulfill the purposes described in this policy, including compliance with legal and regulatory record-keeping requirements applicable to mortgage brokerage activities. Loan application records are generally retained for a minimum of three (3) years from the date of the loan decision, consistent with applicable law.

When data is no longer required for business or legal purposes, we permanently delete it from our systems.

6. Your Rights and Choices

Depending on your state of residence, you may have the following rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request that we correct inaccurate information
• Deletion: Request deletion of your personal information, subject to our legal retention obligations
• Opt-Out: Opt out of any marketing communications at any time

To exercise any of these rights, contact us using the information below. We will respond to your request within 30 days.

7. Cookies and Tracking

Our website may use cookies and similar technologies to improve your browsing experience and analyze site traffic. You can control cookie settings through your browser preferences. Disabling cookies may affect some site functionality.

8. Children's Privacy

Our services are intended for adults (18 years of age or older) seeking real estate financing. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately.

9. Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised effective date. Material changes will be communicated to users with active accounts.

10. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or the way we handle your data, please contact us: