LAST UPDATED: June, 2021
This Privacy Policy covers the collection, use, and disclosure of personal information that may be collected by Rapital Capital (“We” or “Company”) anytime you interact with the Company,
such as when you visit our website, when you apply for a loan, or when you call our customer support associates. Please take a moment to carefully read the following to learn
more about our information practices, including what type of information is gathered, how the information is used and for what purposes, to whom we disclose the information, and
how we safeguard your personal information. Your privacy is a priority at Rapital Capital, and we go to great lengths to protect it.
You acknowledge that this Privacy Policy is part of our Terms of the Website Use, and by accessing or using our website, you agree to be bound by all of its terms and conditions.
If you do not agree to these terms, please do not access or use this website.
CHANGES TO THIS POLICY
This version was updated on June, 2021. In all things, we constantly aim to do the right thing and always seek to improve. If we need to update this policy, we will do so to be more
clear, open, and honest with you. Such modification will be effective upon its posting to our website; it is therefore important that you review this policy regularly.
WHY WE COLLECT INFORMATION
We collect information about you to respond to your inquiry regarding one of our loan products, to offer you one of our loan products, to keep you informed of new loan products,
to inform you of loan product upgrades or modifications, and to inform you of special offers.
WHAT INFORMATION WE COLLECT
Personal Data
Personal information is data that can be used to identify or contact a single person. Personal information does not include anonymous data, or data where the identity of the
individual has been irretrievably removed.
We may collect, use, store and transfer different kinds of personal data about you which we have grouped together follows:
- Identity Data includes first name, maiden name, last name, username or similar identifier, salutation, company name, date of birth and gender.
- Contact Data includes billing address, delivery address, email address, and telephone numbers.
- Financial Data includes bank account and payment card details.
- Transaction Data includes details about payments to and from you and other details of products and services you have purchased from us, and payments processed in
connection with the use of the Services.
- Technical Data includes internet protocol (IP) address, internet service provider (ISP), date/time stamp, your login data, browser type, language and version,
time zone setting and location, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
- Profile Data includes your username and password, preferences, feedback and survey responses.
- Usage Data includes information about how you use our app, or products.
- Marketing and Communications Data includes your preferences in receiving marketing from us and our third parties and your communication preferences.
We also collect, use and share Aggregated Data such as statistical or demographic data for any purpose. Aggregated Data may be derived from your personal data but is not
considered personal data in law as this data does not directly or indirectly reveal your identity. For example, we may aggregate your Usage Data to calculate the percentage of
users accessing a specific website feature. However, if we combine or connect Aggregated Data with your personal data so that it can directly or indirectly identify you, we
treat the combined data as personal data which will be used in accordance with this privacy notice.
Online Activity
You may, at any time, explore the content available on our websites without ever submitting personal information about yourself. However, we may collect information about your online activity
including, but not limited to, your IP address, location, device type, browser type, referral source, time spent on website, and pages viewed.
This website uses the Google AdWords remarketing service to advertise on third-party websites (including Google) to previous visitors to our website. AdWords is a remarketing and behavioral
targeting service provided by Google that collects the cookie and usage data of visitors to this website. It connects the activity of users on this website with the AdWords advertising network
and the Doubleclick Cookie. Third-party vendors, including Google, use cookies to serve ads based on someone’s past browsing activity. You could be shown an advertisement on the Google search
results page or a website in the Google Display Network based on your visit to this website. You can opt out of Google’s cookie tracking service here.
Place of Processing: USA.
Read the Google AdWords Privacy Policy for more information.
Children Under the Age of 13
Our Website is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the Website. We do not knowingly collect personal information
from children under 13. If you are under 13, do not use or provide any information on this Website or through any of its features or register on the Website. If we learn we have collected or
received personal information from a child under 13 without verification of parental consent, we will delete that information. If you believe we might have any information from or about a child
under 13, please contact us at customerservice@rapitalcapital.com.
HOW WE USE PERSONAL INFORMATION
We will primarily use your Personal Information to provide our products and services to you, as required by our agreements with you. We will also use Personal Information to enhance the
operation of our website, offer our products and services, improve our marketing and promotional efforts, statistically analyze website use, improve our product and service offerings, and
customize our website’s content, layout, and services. We may use Personal Information to deliver information to you and to contact you regarding administrative notices. We may also use
Personal Information to resolve disputes, troubleshoot problems and enforce our agreements with you, including our Terms of the Website Use and this Privacy Policy.
WHAT INFORMATION WE SHARE
We will only share information as allowed by law and described in this policy.
We may disclose your personal information to our parent, subsidiaries, and affiliates or to our contractors, service providers, and other third parties we use to support our business.
We may also disclose your personal information if we believe that we are required to do so by law; to comply with legal process or governmental requests.
Your personal information may be shared with credit bureaus to determine your creditworthiness or to occasionally review your credit.
Company may share information with third parties in order to verify the applicant's identity, pre-fill loan applications, and facilitate the applicant's pre-qualification for a loan.
Details on the information we share is available in the Privacy Notice.
Cookies
Rapital Capital and its service providers use cookies to administer the website, personalize your online experience and save you time, track user online activity,
provide advertisements and gather demographic information about our users. Cookies help us recall certain information about you when you make subsequent visits.
You have the ability to turn off cookie tracking in your web browser's privacy settings. See below links for instructions on how to enable or disable cookies on your browser.
OPTING OUT & UNSUBSCRIBING
You may unsubscribe from Rapital Capital’s own direct marketing communications by doing any of the following:
Email
Users can unsubscribe from receiving digital marketing communication offers from Rapital Capital at any time by clicking the unsubscribe link located at the bottom of any marketing communication email.
Text
You may opt-out and remove your SMS information by sending "STOP", "END", "CANCEL", "UNSUBSCRIBE" or "QUIT" to the SMS text message you have received.
To cancel text message alerts, simply reply STOP to the message received to opt-out of respective text alert program. Text STOP to 40279 !
Postal Mail
To opt out of posted mail marketing communications, please write to:
Rapital Capital
1329-C Arena Road, Lot 110
Kahnawake Mohawk Territory, Via: Quebec, Canada J0L1B0.
Please include your name, account number, and mailing address.
You may also opt out of information sharing practices with third party affiliates and/or non-affiliates by following the steps described in our Privacy Notice.
HELP OR SUPPORT
For help, email us at customerservice@rapitalcapital.com or call +1 (855)-877-3405.
Request help, get contact information or additional information regarding our texting services anytime from your mobile device by replying with the word “HELP” to the message you receive.
PRIVACY POLICIES OF THIRD PARTY WEBSITES
Except as otherwise discussed in this Privacy Policy, this document only addresses the use and disclosure of information we collect from you. Other websites accessible through our website have their own privacy policies and
data collection, use and disclosure practices. Please consult each website’s privacy policy. We are not responsible for the policies or practices of third parties. Additionally, other companies which place advertising on our
website may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have
any questions about their use of the information that they collect.
OUR SECURITY PROCEDURES
We take careful steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to perform their jobs, and we provide regular training
to our employees on privacy, information security, and their obligation to safeguard your information. We maintain physical, electronic, and procedural safeguards that comply with industry standards to protect your personal
information and we regularly test those safeguards.
You can safeguard your personal information by taking a few simple precautions. Protect your account numbers, passwords, PIN’s, and customer access numbers. Never disclose confidential information to unknown callers.
You should always use a secure browser and current virus detection software, and never open e-mail from unknown sources.
CONTACT US
If you have any questions about this Privacy Policy, the practices of this website, or your dealings with this website, please contact us at:
Rapital Capital
Customer Support
1329-C Arena Road, Lot 110 Kahnawake Mohawk Territory, Via: Quebec, Canada J0L1B0
+1 (855)-877-3405
customerservice@rapitalcapital.com