Privacy Policy

1. Information We Collect

We collect information that is reasonably necessary to provide, evaluate, administer, and support the financial services you request. Depending on your relationship with us and the service involved, this may include your name, residential address, email address, telephone number, date of birth, employment information, income information, financial profile, identification details, application information, service preferences, and other information you voluntarily provide. We may also maintain records of communications, appointments, applications, service requests, and documents submitted during the service process.

2. Information Collected Through Technology

When you interact with our website, applications, dashboards, or digital service channels, we may automatically collect limited technical information. This may include IP address, browser type, operating system, device information, session identifiers, approximate location, pages visited, login activity, and interaction information. We use this information primarily to maintain website functionality, detect security issues, monitor performance, investigate suspicious activity, and improve the reliability of our digital services.

3. How We Use Personal Information

We use personal information to deliver the financial services you request, evaluate applications, verify identity, communicate with you, administer accounts, coordinate appointments, process service requests, maintain client records, provide customer support, prevent fraud, manage security, and satisfy applicable legal and regulatory requirements. Where appropriate, information may also be used to understand service performance and improve our internal processes. We do not collect personal information for purposes unrelated to legitimate business or service requirements.

4. Financial and Application Information

Some financial services require additional information to determine eligibility, suitability, pricing, underwriting, risk, or service requirements. Depending on the product or service, this may include information about income, employment, financial obligations, assets, insurance requirements, investment objectives, or other relevant circumstances. The information requested will depend on the specific service. Providing incomplete or inaccurate information may affect our ability to process your request or provide the service correctly.

5. Sharing With Authorized Service Partners

We do not sell personal information to advertisers, data brokers, or unrelated marketing companies. We may share information with authorized organizations when reasonably necessary to deliver or administer a service you have requested. These organizations may include lenders, insurance providers, investment professionals, financial institutions, verification providers, technology vendors, customer-support providers, document-management services, or other contracted partners. Information shared with service partners is limited to what is reasonably necessary for the applicable business purpose or required by law.

6. Legal, Regulatory, and Security Disclosures

We may disclose personal information when we reasonably believe disclosure is required or permitted by applicable law. This may include responding to lawful government requests, court orders, regulatory requirements, fraud investigations, subpoenas, or other legal processes. Information may also be disclosed when reasonably necessary to protect the rights, property, security, systems, employees, clients, or business operations of Asset Capital Reserve or another authorized party. We take reasonable steps to ensure that disclosures are appropriate to the circumstances.

7. Data Security

We maintain administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, misuse, alteration, disclosure, and loss. Depending on the system involved, safeguards may include encryption during transmission and storage, authentication controls, role-based access, security monitoring, audit logging, vulnerability management, device controls, employee procedures, and periodic security assessments. Access to personal information is limited according to job responsibilities and legitimate business requirements. No online system can be guaranteed to be completely secure, but we continuously work to strengthen our protections.

8. Cookies and Digital Technologies

Our website and digital services may use cookies and similar technologies to maintain secure sessions, remember selected preferences, improve functionality, monitor service performance, and understand aggregate usage patterns. Essential technologies may be necessary for certain website or account functions. Where optional technologies are offered, you may be able to manage your preferences through available controls or browser settings. Disabling certain technologies may affect the operation of some features, particularly secure account or dashboard functions.

9. Communications and Marketing Preferences

We may use your contact information to communicate about applications, accounts, consultations, requested services, documentation, appointments, security matters, and other service-related activities. Where you separately choose to receive promotional or newsletter communications, we may send those communications according to your selected preferences. You may withdraw optional marketing consent at any time by using the unsubscribe mechanism included in our communications or by contacting our privacy team. Service-related communications may continue where necessary to administer a requested service or satisfy legal obligations.

10. Retention of Personal Information

We retain personal information only for as long as reasonably necessary for the purposes described in this policy, including providing services, maintaining appropriate records, resolving disputes, preventing fraud, enforcing agreements, and meeting legal, regulatory, accounting, and reporting requirements. Retention periods may vary depending on the nature of the information, the service involved, and applicable requirements. When information is no longer required, we may securely delete, anonymize, or otherwise dispose of it using procedures appropriate to the relevant information and storage environment.

11. Your Privacy Rights and Choices

Depending on applicable law and your state of residence, you may have rights concerning the personal information we maintain about you. These rights may include requesting access to information, correcting inaccurate information, requesting deletion where legally permitted, obtaining a copy of certain information, or objecting to particular processing activities. You may also manage optional marketing preferences. We may need to verify your identity before responding to a request in order to prevent unauthorized access to personal information. Certain information may be retained when required by law or necessary for legitimate business purposes.

12. Policy Changes and Contact Information

We may revise this Privacy Policy when our services, technology, security practices, business operations, or legal requirements change. The latest version will be posted with its updated date. Material changes may also be communicated through reasonable channels where appropriate. If you have questions about this policy, wish to exercise an applicable privacy right, or need clarification regarding how your information is handled, contact the Asset Capital Reserve Privacy Office at privacy@assetcapitalreserve.com. Please do not send passwords, full account credentials, or unnecessary highly sensitive information through ordinary email or general contact forms.