Privacy Policy

At Capital Refunds, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

1. Information We Collect

1.1 Personal Information

When you register for an account or use our services, we may collect:

Identity Information:

• Full name
• Date of birth
• Gender
• Nationality
• Government-issued identification numbers
• Passport or ID card details
• Photographs for verification purposes

Contact Information:

• Email address
• Phone number
• Physical address
• Billing address

Financial Information:

• Bank account details
• Credit/debit card information
• Transaction history
• Payment records
• Credit score and financial history
• Income information
• Investment portfolio details
• Loan and savings account information

Employment Information:

• Employer name and address
• Job title and income
• Employment history

1.2 Automatically Collected Information

When you access our platform, we automatically collect:

Device Information:

• IP address
• Browser type and version
• Operating system
• Device identifiers
• Mobile network information

Usage Data:

• Pages visited
• Time spent on pages
• Links clicked
• Features used
• Login times and frequency

Location Data:

• Geographic location (with your permission)
• Time zone settings

1.3 Information from Third Parties

We may receive information about you from:

• Credit bureaus and reporting agencies
• Identity verification services
• Fraud prevention services
• Marketing partners
• Social media platforms (if you connect your accounts)
• Other financial institutions

1.4 Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to:

• Remember your preferences
• Authenticate your identity
• Analyze usage patterns
• Improve our services
• Deliver targeted advertising

You can control cookie settings through your browser, but disabling cookies may limit functionality.

2. How We Use Your Information

We use your information for the following purposes:

2.1 Service Delivery

• Creating and managing your account
• Processing transactions (loans, refunds, transfers, investments, savings)
• Providing customer support
• Sending service-related notifications
• Managing your financial products and services

2.2 Verification and Security

• Verifying your identity (KYC/Know Your Customer)
• Preventing fraud and unauthorized access
• Detecting and preventing money laundering
• Complying with legal and regulatory requirements
• Securing our platform and protecting user data

2.3 Communication

• Responding to your inquiries
• Sending transaction confirmations
• Providing account updates and statements
• Sending promotional offers (with your consent)
• Conducting surveys and requesting feedback

2.4 Analytics and Improvement

• Analyzing usage patterns and trends
• Improving our services and user experience
• Developing new features and products
• Conducting research and analysis

2.5 Legal and Compliance

• Complying with legal obligations
• Responding to legal requests and court orders
• Enforcing our Terms and Conditions
• Protecting our rights and property
• Resolving disputes

2.6 Marketing

• Sending promotional materials (with your consent)
• Personalizing your experience
• Showing relevant advertisements
• Conducting marketing campaigns

3. How We Share Your Information

We may share your information in the following circumstances:

3.1 Service Providers

We share information with third-party service providers who perform services on our behalf:

• Payment processors
• Identity verification services
• Cloud storage providers
• Customer support platforms
• Marketing and analytics services
• Fraud prevention services

These providers are contractually obligated to protect your information and use it only for specified purposes.

3.2 Financial Institutions

We may share information with:

• Banks and payment networks
• Credit bureaus
• Investment partners
• Loan underwriters

3.3 Legal Requirements

We may disclose your information when required by law:

• In response to subpoenas, court orders, or legal processes
• To comply with regulatory requirements
• To protect our rights and property
• To investigate fraud or security issues
• To protect the safety of users or the public

3.4 Business Transfers

If Capital Refunds is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction.

3.5 With Your Consent

We may share your information for other purposes with your explicit consent.

3.6 Aggregated Data

We may share anonymized, aggregated data that does not identify you personally for research, analytics, or marketing purposes.

4. Data Security

4.1 Security Measures

We implement robust security measures to protect your information:

• Encryption of data in transit and at rest
• Secure socket layer (SSL) technology
• Multi-factor authentication
• Regular security audits and assessments
• Access controls and monitoring
• Employee training on data protection

4.2 Your Responsibility

You are responsible for:

• Maintaining the confidentiality of your login credentials
• Using strong, unique passwords
• Not sharing your account access
• Logging out after each session
• Reporting suspicious activity immediately

4.3 No Guarantee

While we use industry-standard security measures, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.

5. Data Retention

5.1 Retention Period

We retain your personal information for as long as:

• Your account is active
• Needed to provide services to you
• Required by law or regulatory obligations
• Necessary for legitimate business purposes

5.2 Deletion

When information is no longer needed, we will securely delete or anonymize it according to our retention policies and legal requirements.

5.3 Legal Holds

We may retain information longer if required for legal proceedings or regulatory investigations.

6. Your Rights and Choices

6.1 Access and Correction

You have the right to:

• Access your personal information
• Update or correct inaccurate information
• Request a copy of your data

6.2 Deletion

You may request deletion of your personal information, subject to:

• Legal and regulatory retention requirements
• Legitimate business needs
• Outstanding obligations

6.3 Data Portability

You may request a copy of your data in a structured, machine-readable format.

6.4 Marketing Opt-Out

You can opt out of marketing communications by:

• Clicking "unsubscribe" in emails
• Adjusting account settings
• Contacting customer support

Note: You cannot opt out of service-related communications.

6.5 Cookie Management

You can manage cookie preferences through your browser settings or our cookie management tool.

6.6 Do Not Track

Our platform does not currently respond to "Do Not Track" signals.

7. International Data Transfers

Your information may be transferred to and processed in countries other than your own. These countries may have different data protection laws. We ensure appropriate safeguards are in place to protect your information during international transfers.

8. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect information from children. If we discover we have collected information from a child, we will delete it immediately.

9. Third-Party Links

Our platform may contain links to third-party websites or services. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending an email notification
• Displaying a prominent notice on our platform

Your continued use of our services after changes constitutes acceptance of the updated policy.

11. Regional Privacy Rights

11.1 European Union (GDPR)

If you are in the EU, you have additional rights under the General Data Protection Regulation:

• Right to object to processing
• Right to restrict processing
• Right to lodge a complaint with supervisory authorities
• Right to withdraw consent

11.2 California (CCPA/CPRA)

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

• Right to know what information is collected
• Right to delete personal information
• Right to opt-out of sale of personal information
• Right to non-discrimination

11.3 Other Jurisdictions

We comply with applicable data protection laws in all jurisdictions where we operate.

12. Business Contact Information

We may use business contact information for B2B marketing and communications with business customers.

13. Biometric Information

If we collect biometric information (such as facial recognition for verification), we will:

• Obtain your explicit consent
• Store it securely and separately
• Delete it according to applicable laws
• Never sell or disclose it without consent

14. Automated Decision Making

We may use automated systems for:

• Fraud detection
• Credit scoring
• Risk assessment
• Service personalization

You have the right to request human review of automated decisions that significantly affect you.

15. Data Breach Notification

In the event of a data breach that affects your personal information, we will:

• Notify you without undue delay
• Inform relevant regulatory authorities
• Take steps to mitigate harm
• Provide information on protective measures you can take

16. Contact Us

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

Capital Refunds - Data Protection Officer
Email: privacy@capitalrefunds.net
Support: support@capitalrefunds.net
Website: www.capitalrefunds.net

Mailing Address:
[Your Physical Address]
[City, State/Province, ZIP/Postal Code]
[Country]

17. Complaints

If you believe we have not handled your personal information properly, you have the right to lodge a complaint with:

• Our Data Protection Officer (contact details above)
• Your local data protection authority
• Relevant regulatory bodies

By using our services, you acknowledge that you have read and understood this Privacy Policy and consent to the collection, use, and disclosure of your information as described herein.