2LethalCapital

1. Introduction

2 Lethal Capital ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.2lethalcapital.com, use our services, communicate with us via SMS/text messaging, or apply for a loan through our brokerage. Please read this privacy policy carefully. If you do not agree with the terms of this privacy policy, please do not access the site.

2. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

Register for an account or apply for a loan
Fill out a contact form or request information
Subscribe to our newsletter or marketing communications
Opt in to receive SMS/text messages from us
Provide your phone number on any form on our website
Participate in surveys or promotions
Contact us via phone, email, text message, or other means

This information may include: name, email address, phone number (including mobile number), mailing address, Social Security number, date of birth, employment information, financial information, property information, and other information necessary to process your loan application or provide our brokerage services.

Automatically Collected Information

When you access our website, we may automatically collect certain information about your device and usage, including:

IP address and browser type
Device type and operating system
Pages visited and time spent on pages
Referring website or source
Geographic location (country/city level)
Cookies and similar tracking technologies (see Section 6 below)

3. How We Use Your Information

We use the information we collect for various purposes, including:

Processing and evaluating loan applications and connecting you with lenders
Communicating with you about your account, application, or appointments
Sending appointment confirmations, reminders, and follow-up messages via SMS/text
Sending promotional and marketing SMS/text messages (with your explicit consent)
Providing customer service and support
Sending marketing and promotional communications via email (with your consent)
Improving our website and services
Analyzing usage trends and preferences
Detecting and preventing fraud
Complying with legal and regulatory requirements

4. SMS/Text Messaging Opt-In and Details

By providing your mobile phone number and checking the SMS consent checkbox on our website forms (such as the contact form at www.2lethalcapital.com/contact), you expressly consent to receive text messages from 2 Lethal Capital. These messages may include:

Non-marketing/transactional messages: Appointment confirmations, reminders, follow-up messages, and account notifications
Marketing/promotional messages (if separately opted in): Special offers, discounts, new product updates, rate alerts, and other promotional content

Message Frequency: Message frequency varies based on your interactions with us. You may receive multiple messages per week depending on your activity and preferences.

Message & Data Rates: Message and data rates may apply. Please check with your mobile carrier for details on your messaging plan.

Opt-Out: You can opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive one final confirmation message and will no longer receive SMS messages from us unless you re-subscribe.

Help: For assistance with our SMS program, reply HELP to any message, or contact us at (704) 271-1276 or [email protected].

Consent is Not a Condition: Consent to receive SMS/text messages is not a condition of purchasing any goods or services from 2 Lethal Capital. You may choose not to opt in and still use our website and services.

Supported Carriers: Our SMS program is supported by all major U.S. carriers including AT&T, Verizon, T-Mobile, Sprint, and others. Carriers are not liable for delayed or undelivered messages.

5. Mobile Information Sharing

We do not share, sell, rent, or transfer your mobile phone number or any personal information collected through our SMS program to third parties or affiliates for their own marketing or promotional purposes. Your mobile information will only be used by 2 Lethal Capital to communicate with you as described in this Privacy Policy. We may share your information with service providers who assist us in delivering SMS messages, but they are contractually prohibited from using your information for any purpose other than providing services to us.

6. Information Sharing and Disclosure

We may share your information in the following circumstances:

Lending Partners: With our network of private money lenders to process and evaluate your loan application
Service Providers: With third-party vendors who perform services on our behalf, such as appraisal companies, title companies, credit bureaus, SMS delivery services, and payment processors
Business Partners: With mortgage brokers or other partners who referred you to us or are involved in your loan transaction
Legal Requirements: When required by law, court order, or government regulation, or to protect our rights and safety
Business Transfers: In connection with a merger, acquisition, or sale of assets
With Your Consent: When you have given us explicit permission to share your information

We do not sell your personal information to third parties for their marketing purposes.

7. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to collect information about your browsing activities. Cookies are small data files stored on your device that help us improve your experience on our website. You can control cookies through your browser settings, but disabling cookies may limit your ability to use certain features of our website.

We use the following types of cookies:

Essential Cookies: Required for the website to function properly, including session management and security features
Analytics Cookies: Help us understand how visitors use our website by collecting anonymous usage data (e.g., pages visited, time on site, bounce rate)
Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns across platforms
Preference Cookies: Remember your settings and preferences such as language, theme, and form auto-fill data

Third-Party Tracking: We may use third-party analytics services (such as Google Analytics) that use cookies and similar technologies to collect and analyze information about the use of our website. These third parties may use the information collected to provide measurement services and targeted ads. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.

Managing Cookies: Most web browsers allow you to control cookies through their settings. You can set your browser to refuse all or some cookies, or to alert you when cookies are being sent. If you disable or refuse cookies, some parts of our website may become inaccessible or not function properly.

8. Data Security and Handling

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

Encryption: All data transmitted between your browser and our servers is encrypted using SSL/TLS encryption
Secure Storage: Personal data is stored on secure servers with restricted access controls
Access Controls: Only authorized personnel with a legitimate business need can access your personal information
Regular Audits: We conduct regular security assessments and vulnerability testing
Employee Training: Our staff receives regular training on data protection and privacy best practices

However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security. In the event of a data breach that affects your personal information, we will notify you in accordance with applicable law.

9. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, including to satisfy legal, accounting, or reporting requirements. For loan-related information, we typically retain records for at least seven years after the loan is paid off or the application is withdrawn, as required by financial regulations. SMS consent records and messaging history are retained for the duration of your opt-in status plus a reasonable period thereafter for compliance purposes.

10. Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

Access: Request a copy of the personal information we hold about you
Correction: Request correction of inaccurate or incomplete information
Deletion: Request deletion of your personal information (subject to legal retention requirements)
Opt-Out of Marketing Emails: Unsubscribe from marketing email communications at any time by clicking the "unsubscribe" link in any email
Opt-Out of SMS: Reply STOP to any text message to unsubscribe from SMS communications
Do Not Track: We currently do not respond to "Do Not Track" signals
Data Portability: Request your personal data in a structured, commonly used format

To exercise these rights, please contact us at (704) 271-1276 or [email protected].

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, request deletion of personal information, and opt-out of the sale of personal information. As noted above, we do not sell personal information. To exercise your CCPA rights, please contact us.

12. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you become aware that a child has provided us with personal information, please contact us so we can take steps to remove such information. You must be at least 18 years of age to use our website and services, including our SMS messaging program.

13. Third-Party Links

Our website 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 read the privacy policies of any third-party sites you visit.

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last updated" date. You are advised to review this Privacy Policy periodically for any changes.

15. Contact Us

If you have any questions about this Privacy Policy, our privacy practices, or our SMS messaging program, please contact us at:

2 Lethal Capital
Email: [email protected]
Phone: (704) 271-1276
Website: www.2lethalcapital.com