Privacy Policy

1. Introduction

Capital Bridge Solutions ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website capitalbridgesolutions.com, use our AI chat assistant (Cap), or interact with our services.

Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site or use our services.

2. Information We Collect

2.1 Personal Information You Provide

We collect information that you voluntarily provide to us when you:

• Fill out contact forms or loan inquiry forms
• Interact with our AI chat assistant (Cap)
• Request information about our loan products
• Subscribe to our newsletter or communications
• Create an account on our platform

This information may include:

• Contact Information: Name, email address, phone number, mailing address
• Property Information: Property address, type, value, rental income
• Financial Information: Loan amount requested, down payment, credit score range
• Investment Details: Property type, investment strategy, timeline
• Communication Records: Chat transcripts, email correspondence, phone call notes

2.2 Automatically Collected Information

When you access our website, we automatically collect certain information:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, time spent, click patterns, referring website
• Location Data: General geographic location based on IP address
• Cookies and Tracking: Session data, preferences, analytics information

2.3 Third-Party Information

We may receive information about you from third-party sources, including:

• Credit bureaus and financial institutions
• Property data providers (MLS, public records)
• Partner referral networks
• Social media platforms (if you connect your account)

3. How We Use Your Information

We use the information we collect to:

3.1 Provide Services

• Process loan applications and pre-qualifications
• Provide personalized loan recommendations
• Communicate with you about your inquiry
• Connect you with our loan specialists
• Provide customer support and respond to inquiries

3.2 Improve Our Services

• Analyze usage patterns to improve our website and AI assistant
• Conduct research and analytics
• Test new features and functionality
• Train and improve our AI models

3.3 Marketing and Communications

• Send you promotional materials (with your consent)
• Provide educational content about real estate investing
• Notify you about new products, services, or rates
• Conduct surveys and request feedback

3.4 Legal and Compliance

• Comply with legal obligations and regulations
• Prevent fraud and maintain security
• Enforce our terms and conditions
• Respond to legal requests and prevent harm

4. How We Share Your Information

We may share your information with:

4.1 Service Providers

• Technology Providers: Hosting, database, AI/ML services (OpenAI, Perplexity)
• Analytics Services: Google Analytics, marketing analytics
• Communication Tools: Email service providers, CRM systems
• Payment Processors: If applicable for fees or services

4.2 Business Partners

• Lending partners and co-lenders
• Real estate professionals (with your consent)
• Property management companies
• Title and escrow companies

4.3 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal process or government requests
• Enforce our terms and conditions
• Protect our rights, privacy, safety, or property
• Prevent fraud or illegal activity

4.4 Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction. You will be notified via email and/or a prominent notice on our website of any change in ownership or use of your information.

5. AI Chat Assistant (Cap)

Our AI chat assistant, Cap, uses the following technologies:

• OpenAI GPT-4: For natural language processing and responses
• Perplexity AI: For real-time market research and property data
• Internal Knowledge Base: Our proprietary content and loan information

When you chat with Cap:

• Your conversations are logged and stored for service improvement
• Information you provide may be used to train our AI models
• Third-party AI providers process your queries (subject to their privacy policies)
• You can request deletion of your chat history at any time

6. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Analyze website traffic and user behavior
• Provide targeted advertising
• Improve website functionality

Types of cookies we use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand how visitors use our site
• Marketing Cookies: Track effectiveness of advertising campaigns
• Preference Cookies: Remember your settings and preferences

You can control cookies through your browser settings. Note that disabling cookies may limit your ability to use certain features of our website.

7. Data Security

We implement appropriate technical and organizational measures to protect your information:

• Encryption: SSL/TLS encryption for data transmission
• Access Controls: Limited employee access on need-to-know basis
• Secure Storage: Encrypted databases and secure servers
• Regular Audits: Security assessments and vulnerability testing
• Data Backup: Regular backups to prevent data loss

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

8. Your Privacy Rights

8.1 General Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Unsubscribe from marketing communications
• Data Portability: Receive your data in a structured, machine-readable format
• Object: Object to processing of your personal information

8.2 California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act:

• Right to know what personal information is collected, used, shared, or sold
• Right to delete personal information held by businesses
• Right to opt-out of sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your rights

8.3 European Residents (GDPR)

If you are located in the European Economic Area, you have rights under the General Data Protection Regulation:

• Right to access and receive a copy of your personal data
• Right to rectification of inaccurate personal data
• Right to erasure ("right to be forgotten")
• Right to restrict processing
• Right to data portability
• Right to object to processing
• Right to withdraw consent at any time

8.4 How to Exercise Your Rights

To exercise any of these rights, please contact us at:

• Email: privacy@capitalbridgesolutions.com
• Phone: (949) 339-3555
• Mail: Capital Bridge Solutions, Privacy Department, Orange County, CA

9. Data Retention

We retain your personal information for as long as necessary to:

• Provide our services and fulfill transactions
• Comply with legal obligations (typically 7 years for financial records)
• Resolve disputes and enforce our agreements
• Improve our services and AI models

When we no longer need your information, we will securely delete or anonymize it.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to read their privacy policies before providing any information.

11. Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us, and we will take steps to delete such information.

12. Do Not Track Signals

Some browsers have a "Do Not Track" feature that lets you tell websites you do not want to have your online activities tracked. We currently do not respond to Do Not Track signals.

13. International Data Transfers

Your information may be transferred to and processed in countries other than your own. These countries may have data protection laws different from your jurisdiction. By using our services, you consent to the transfer of your information to the United States and other countries.

14. Changes to This Privacy 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 this page
• Updating the "Last Updated" date
• Sending you an email notification (for significant changes)

We encourage you to review this Privacy Policy periodically for any updates.

15. Contact Us

If you have questions, concerns, or complaints about this Privacy Policy or our data practices, please contact us:

We take privacy concerns seriously and will respond to your inquiry within 30 days.

Acknowledgment: By using Capital Bridge Solutions' website and services, you acknowledge that you have read and understood this Privacy Policy.