Privacy Policy

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Privacy Policy
Effective Date: January 27, 2025

This Privacy Policy (the "Policy") governs the manner in which Casper Capital, LLC ("we," "us," or "our") collects, uses, maintains, and discloses information collected from users ("you" or "your") of our website, services, and SMS communication platforms. By accessing or using our website or services, including opting into SMS communications, you expressly acknowledge and agree to the terms and conditions of this Policy. This Policy is legally binding, and by engaging with our services, you signify your acceptance of the terms outlined herein. If you do not agree to this Policy, you must immediately cease using our services.

Casper Capital is committed to safeguarding the privacy of our users. We collect the following types of information to provide our services, operate our business, and comply with applicable laws:

Personal Information:
This includes information that directly identifies you, such as your name, email address, phone number, and financial details provided through loan applications or other forms.

Non-Personal Information:
Technical data, such as IP addresses, browser types, and usage information, is collected through cookies, analytics, and other tracking technologies to improve our website and services.

Sensitive Information:
This includes financial data, credit history, and other details necessary for evaluating loan applications. Such information is collected and stored with advanced encryption to ensure confidentiality.

Consent Records:
We maintain documentation of your explicit consent for SMS communications, including time-stamped records of opt-ins obtained via forms, verbal agreements, inbound text messages, or mobile QR codes.

All information is collected lawfully and exclusively for the purposes explicitly described in this Policy.

We use your information strictly in compliance with applicable laws for the following purposes:

• Service Delivery: To process loan applications, verify eligibility, and communicate updates.
• SMS Notifications: To send updates regarding loan statuses, payment reminders, or promotional offers with your consent.
• Improvement of Services: To conduct analytics and enhance user experiences.
• Compliance: To meet legal, regulatory, and contractual obligations.
• Marketing Communications: To send promotional material only if you have provided explicit consent, with the option to unsubscribe at any time.

We will not use your information for any purposes not disclosed in this Policy without your express consent.

We comply with the Telephone Consumer Protection Act (TCPA) and other applicable laws governing SMS communications. SMS messages are only sent to individuals who have provided explicit, verifiable consent via:

• Verbal Consent: Clearly documented acknowledgment of your agreement to receive SMS communications.
• Website Forms: Opt-in checkboxes with clear disclosures.
• Paper Forms: Written consent with explicit language for SMS communications.
• Inbound Text Messages: When you text us first, we will confirm your agreement before further communication.
• Mobile QR Codes: Scanning QR codes will direct you to a webpage with an opt-in form outlining SMS terms and conditions.

All consent records are securely stored for verification and compliance purposes.

You may opt out of SMS communications at any time. Opt-out methods include:

• Replying STOP: Reply "STOP" to any SMS you receive. You will receive confirmation of your opt-out request.
• Contacting Us Directly: Email or call us to request removal from SMS lists.

SMS communications are limited to no more than five messages per week unless otherwise authorized. Each message will:

1. Identify "Casper Capital" as the sender.
2. Include disclaimers such as: "Message and data rates may apply. Reply STOP to opt out or HELP for assistance."
3. Provide access to customer support via HELP commands.

Failure to opt out will be interpreted as continued consent.

We employ robust administrative, technical, and physical safeguards to protect your information, including:

• Encryption: All sensitive data is encrypted during transmission and at rest.
• Access Controls: Only authorized personnel with legitimate business needs may access your information.
• Monitoring: Continuous system monitoring and regular vulnerability assessments.
• Incident Response: Notifications to affected individuals and authorities in the event of a data breach.

We disclaim liability for unauthorized access resulting from user negligence (e.g., sharing passwords).

We do not sell, rent, or share your personal information for commercial purposes without your consent. However, we may disclose information under these circumstances:

• Service Providers: Trusted third-party vendors assisting with SMS delivery, payment processing, or analytics under confidentiality agreements.
• Legal Compliance: Disclosure required by subpoenas, court orders, or regulatory obligations.
• Business Transactions: In the event of a merger, acquisition, or sale, your information may be transferred under the terms of this Policy.

Aggregated, anonymized data may be disclosed for research or analysis purposes.

This Policy may be updated at any time. Changes take effect immediately upon publication on our website. Material changes will be communicated to users with active accounts or SMS subscriptions. Continued use of our services after updates constitutes acceptance of the revised terms.

This Policy is governed by the laws of the State of Idaho, without regard to conflict of law provisions. Disputes arising from this Policy will be resolved exclusively in Idaho courts.

For questions, concerns, or requests regarding this Policy, contact us:

Casper Capital, LLC
Phone: 208-261-7544
Email: bjolley@casper-capital.com
Website: www.casper-capital.com

Your use of our services confirms your acknowledgment of and agreement to this Privacy Policy.