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Privacy Policy

Website Privacy Policy

Effective Date: 12/2024

 

 1. We collect nonpublic personal information about you from the following sources:

 

- Information we receive from you on applications or other forms;

 

- Information about your transactions with us, our affiliates, or others; and

 

- Information we receive from a consumer reporting agency.

 

2. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

 

3. We may share all the information that we collect, as described above, with our affiliates. By sharing this information, we can better serve your financial needs. If you do not wish for us to share this information with our affiliates you may contact us.

 

4. We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:

 

- Information we receive from you on applications or other forms, such as your name, address, social security number, assets, and income;

 

- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to transactions;

 

- Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

 

5. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations in order to guard your nonpublic personal information.

 

HOW WE USE INFORMATION

 

We and service providers working on our behalf use information collected on our Website in a variety of ways intended to provide our Website and Services and to operate our business, including the following:

 

To Provide our Services. We use the information that we collect (i) to operate, maintain, enhance and provide our Website and our Services, (ii) to provide other services and information that you request, and (iii) to provide customer support to you and other parties. 

 

To Improve, Analyze, and Personalize our Website and Services. We use the information that we collect to understand and analyze usage trends and preferences; to monitor and analyze the effectiveness of our Website and Services; to improve our Website and Services and develop new products, services, features, and functionality; and to personalize our Website and Services, such as remembering your information so that you will not have to re-enter it during your visit or the next time you use our Website, or providing customized content and information. 

 

To Contact You. We may use your email address or other information we collect to contact you for administrative purposes such as customer service or to send communications, including marketing or promotional communications, relating to our Website and Services.  Generally, you have the ability to opt out of receiving promotional communications as described below. 

 

Aggregate Data. We aggregate data collected through our Website and use it for purposes such as creating and sharing reports about the use of our products and services, including users’ interests, usage patterns, and trends.  

Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.

 

Advertising. We may use non-identifiable information that you provide or that we collect to improve or tailor the effectiveness of advertising on our Website and to provide advertisements and other content that is tailored to you.

 

HOW WE SHARE INFORMATION

 

We may share, transfer, or disclose your information if you consent to us doing so, as well as in the following circumstances:

 

To Service Providers. We work with third-party service providers to provide services including loan or transaction processing or administration; Website hosting and other similar services, development and maintenance; advertising and marketing services; and other services related to our Website and Services for us. These third parties may have access to or process your information as part of providing those services for us. Generally, we limit the information provided to these service providers to that which is reasonably necessary for them to perform their functions, and we require them to agree to maintain the confidentiality of such information. These service providers are not permitted to use information we share that might identify you for any purpose other than to provide services to Castor Financial or to you.

 

In Aggregate Form. We may make certain aggregated non-personal information available to third parties for various purposes, including (i) compliance with various reporting obligations; (ii) for business or marketing purposes; or (iii) to assist such parties in understanding our users’ interests, usage patterns, and borrowing and loan origination trends.  

 

Compliance with Laws and Law Enforcement; Protection of Our Rights. We may disclose your information (including your personal information) to a third party if (a) we believe that disclosure is reasonably necessary to comply with any applicable law, regulation, legal process or governmental request, (b) to enforce our agreements, policies and terms of service, (c) to protect the security or integrity of our Website or Services, (d) to protect the property, rights, and safety of Castor Financial, our users or the public from harm or illegal activities, (e) to respond to an emergency which we believe in the good faith requires us to disclose information to assist in preventing the death or serious bodily injury of any person, or (f) to investigate and defend ourselves against any third-party claims or allegations.

 

In Significant Business Transactions. Your information, including personal information, may be disclosed and otherwise transferred to an acquirer, successor, or assignee as part of any merger, acquisition, debt financing, sale of assets, or similar transaction, or in the event of an insolvency, bankruptcy, or receivership in which information is transferred to one or more third parties as one of our business assets.

 

OUR POLICY CONCERNING CHILDREN

 

Our website is not directed to children under 13, and we do not knowingly collect any personal information from children under the age of 13 through our website. If we become aware that a child under 13 has provided us with personal information through our website, we will take steps to delete such information. 

 

PRIVACY POLICIES OF LINKED SITES AND ADVERTISERS

 

Our Website may contain links to other sites, as well as advertisements from companies linking to their own sites. We are not responsible for the privacy practices or the content of such sites. If you have any questions about how these other sites use your information, you should contact them directly. 

 

SECURITY

 

Castor Financial has certain measures in place to maintain the security, confidentiality and integrity of the information gathered through the Website, and to help protect against the loss, misuse and alteration of such information.  While we take measures to protect your personal information against security breaches and unauthorized access, we cannot guarantee that our safeguards will be effective all of the time against all security threats.

 

CHANGES TO OUR PRIVACY POLICY

 

This Privacy Policy may be revised from time to time. If we decide to make material changes to our Privacy Policy, we will make reasonable efforts to notify you of the changes by sending a notice to the primary email address provided to us and/or by placing a notice on our Website. 

 

HOW TO ACCESS AND UPDATE YOUR INFORMATION

 

You can access and update the information that you have provided to us as follows:

 

If you are a Castor Financial customer, you can access and update certain personal information in connection with your account or application by logging into your account online. 

 

You may contact us at Castor Financial and request to review, amend or delete certain personal information collected by us.

 

Please note that we may not be able to delete all information we collect through our Website.

 

You may opt-out of receiving marketing emails at any time by following the steps to “unsubscribe” described in the footer of our marketing emails. Your opt-out will become effective in 10 days or less.

 

CONTACT US

 

If you have any questions, comments or concerns regarding our Privacy Policy and/or practices, please send an email to: support@castor.loans.
 

Castor Financial Inc. dba of West One Capital Group Inc.

100 Bayview Cir #4100, Newport Beach CA 92660

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