Terms & Conditions 📋

1. Acceptance of Terms

By accessing or using CapitaCrest.com, you agree to be bound by these Terms & Conditions, our Privacy Policy, and any additional guidelines posted on our website. If you do not agree, you must discontinue use of our website and services immediately.

In this agreement:

• "User," "You," or "Your" refers to any person visiting or using our services.
• "Company," "We," "Our," or "Us" refers to CapitaCrest.

2. Consent to Communication

By checking the consent box or interacting with our services, you authorize us to reach out to you via SMS, RCS, WhatsApp, and Email. These communications may include account updates, service notifications, or promotional content (subject to your preferences).

3. Data Collection & Use

Information We Collect

We may collect the following categories of information:

• Personal details (name, email, phone number, identification information).
• Financial details (income, transaction history, credit-related data).
• Other details relevant to service delivery and compliance.

Why We Collect It

Your data may be used for purposes such as:

• Delivering and managing our financial services.
• Processing applications and transactions.
• Assessing eligibility and risk factors.
• Meeting regulatory or compliance obligations.
• Customer communication and support.
• Providing offers, updates, and service improvements.

Data Sharing

We may share your information with trusted third parties, including:

• Financial institutions and credit bureaus.
• Technology partners and service providers.
• Regulatory or legal authorities when required.

All third parties are contractually obliged to safeguard your data.

Data Retention

We retain your information only for as long as required by law, business needs, or regulatory requirements.

4. Your Rights

You have the right to:

• Access your personal information.
• Request corrections to inaccurate or outdated data.
• Withdraw consent for data processing, subject to legal obligations.
• Contact us regarding your data rights at info@capitacrest.com.

We also implement reasonable security measures to protect your data against unauthorized access or misuse.

5. Cookies

CapitaCrest uses cookies to personalize your experience and analyze website performance. By continuing to use our website, you consent to our use of cookies in accordance with our Privacy Policy. Third-party providers may also set cookies when integrated into our platform.

6. Intellectual Property

Unless otherwise noted, all content, text, images, designs, and trademarks on CapitaCrest.com are the property of CapitaCrest or its licensors. You may not:

• Republish or distribute our content without written consent.
• Sell, license, or exploit our materials for commercial purposes.
• Modify or reproduce our website content in unauthorized ways.

7. User Content

Certain sections of our website may allow users to submit reviews, feedback, or comments. You are solely responsible for the material you post.

By posting, you grant CapitaCrest a worldwide, royalty-free license to use, display, and adapt your content. We reserve the right to remove any material we deem inappropriate, unlawful, or offensive.

8. Linking & Third-Party Sites

• Authorized entities such as search engines, news outlets, and directories may link to our website without prior permission.
• Other organizations must request approval by contacting us at info@capitacrest.com.
• Approved links must not misrepresent our relationship or imply false endorsements.
• We are not responsible for content or reliability of third-party sites linked to or from our platform.

9. Disclaimer & Limitation of Liability

The content and services on CapitaCrest.com are provided "as is" without warranties of any kind. We do not guarantee that our website will always be available, error-free, or fully accurate.

Nothing in these terms will:

• Limit liability for death or injury caused by negligence.
• Limit liability for fraud or misrepresentation.
• Exclude obligations that cannot be excluded under law.

For free services offered through our website, we assume no liability for any loss or damage arising from their use.

10. Amendments

We may update or revise these Terms & Conditions at any time. Continued use of our website after such updates indicates your acceptance of the revised terms.

For any concerns, email us at:

📧 info@capitacrest.com