Privacy Policy

Who we are

Capital By The Sea LLC is a real estate transaction company specializing providing lending for EMD’s, double closes and other creative financial methods.

Effective Date: 05/13/2023

At Capital By The Sea LLC, we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy outlines how we collect, use, disclose, and protect the information you provide to us when using our transactional lending services in the real estate industry. By accessing or using our services, you consent to the practices described in this policy.

1. Information We Collect

1.1 Personal Information:
We may collect personal information from you, such as your name, address, contact details, financial information, and other relevant details necessary for processing your loan application or conducting transactions. This information is obtained directly from you or through authorized third parties, such as credit bureaus or financial institutions.

1.2 Usage Information:
When you visit our website or use our services, we may collect non-personal information related to your usage patterns, IP address, browser type, device information, and other data to enhance our services and improve your experience.

2. Use of Information

2.1 Service Delivery:
We use your personal information to process your loan applications, assess eligibility, conduct necessary verifications, and provide the requested transactional lending services in the real estate industry. This includes communicating with you, responding to inquiries, and managing your account.

2.2 Compliance and Legal Obligations:
We may use your information to comply with applicable laws, regulations, and reporting requirements. This includes verifying your identity, preventing fraudulent activities, conducting audits, and fulfilling our legal obligations.

2.3 Communication:
We may use your contact information to communicate with you about your loan applications, updates on our services, promotional offers, or important notices. You can opt out of receiving marketing communications by following the instructions provided in the communication or by contacting us directly.

3. Information Sharing

3.1 Third-Party Service Providers:
We may share your personal information with trusted third-party service providers who assist us in delivering our services, such as credit bureaus, financial institutions, appraisers, title companies, or legal advisors. These service providers are contractually obligated to handle your information securely and confidentially.

3.2 Legal Requirements:
We may disclose your information when required to comply with applicable laws, regulations, legal processes, or enforceable government requests. This includes responding to court orders or subpoenas, preventing fraud, and protecting our rights or the rights of others.

4. Data Security

We implement appropriate technical and organizational measures to protect your personal information from unauthorized access, loss, alteration, or disclosure. These measures include secure data storage, encryption, access controls, regular monitoring, and staff training.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. When your information is no longer needed, we will securely dispose of it.

6. Your Rights

You have the right to access, correct, update, or request the deletion of your personal information in our possession, subject to any legal obligations. To exercise these rights or inquire about our privacy practices, please contact us using the information provided below.

7. Changes to the Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our services or legal requirements. We encourage you to review this policy periodically for any updates. Continued use of our services after any changes indicates your acceptance of the revised Privacy Policy.

8. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Capital By The Sea LLC
(732) 629 – 8810

We are committed to addressing any concerns or resolving any issues related to the protection of your personal information.