1. Who we are
Money Capital Growth ("Money Capital Growth", "we", "us", or "our") is a financial services firm located at 2050 Tilia St, Davis, CA 95616, USA. We provide lending support, mortgage guidance, wealth and investment planning, tax advisory, and insurance review services.
This Privacy Policy explains what personal information we collect through moneycapitalgrowth.com (the "Site"), how we use it, who we share it with, and the choices available to you. It applies to visitors, enquirers, newsletter subscribers, and clients.
2. Information we collect
We collect only the information we need to respond to you and deliver our services.
- Information you give us. Name, email address, phone number, postal address, the service you are interested in, the content of your message or feedback, and any documents you choose to share with us.
- Newsletter information. Email address, optional first name, and topic preferences. Unsubscribe requests are recorded so we can honour them.
- Technical information. Browser type, device type, approximate region, referring page, and pages viewed. This may be collected through cookies or similar technologies if analytics is enabled.
- Service information. If you become a client, information required to assess applications or prepare a plan, such as income, liabilities, assets, and existing policies.
We do not intentionally collect sensitive categories of personal data through this Site, and we ask that you do not include such details in free-text forms.
3. How we use your information
We use personal information to:
- Respond to enquiries and provide the services you request;
- Prepare indicative options, plans, or application paperwork;
- Send the newsletter where you have subscribed;
- Process unsubscribe requests and maintain suppression lists;
- Meet legal, regulatory, and record-keeping obligations;
- Improve the Site, our content, and the clarity of our communications;
- Protect against fraud, misuse, and security incidents.
We rely on your consent (for marketing and optional data), the performance of a contract or steps taken at your request (for services), and our legitimate interests in operating and improving the firm where those interests are not overridden by your rights.
4. When we share information
We do not sell personal information. We share it only in the following circumstances:
- Service providers. Lenders, insurers, custodians, tax preparers, and technology providers who help deliver a service you have asked for, under confidentiality obligations.
- Professional advisers. Accountants, auditors, and lawyers where necessary for the operation of the firm.
- Legal requirements. Where required by law, regulation, court order, or a lawful request from a public authority.
- Business transfers. In connection with a merger, acquisition, or sale of assets, subject to continued protection of personal information.
Where we share information with a lender or insurer as part of an application, that organisation will also act as a controller of the information it receives and its own privacy notice will apply.
5. Cookies and analytics
The Site uses strictly necessary cookies and local browser storage to remember form state and preferences. If analytics is enabled, aggregated statistics may be collected to understand which pages are useful. You can block or delete cookies in your browser settings; core parts of the Site will continue to work.
Newsletter forms on this Site may store a confirmation record in your browser so that repeated submissions and unsubscribe requests behave predictably. That record stays on your device and is not transmitted automatically.
6. How we protect information
We use administrative, technical, and physical safeguards designed to protect personal information, including access controls, encrypted transmission where available, periodic reviews of retained data, and confidentiality obligations for staff and suppliers.
No method of transmission or storage is completely secure. If you believe your information has been compromised, contact us immediately at contact@moneycapitalgrowth.com or +1 530-759-0661.
7. How long we keep information
Enquiry records are kept for up to 24 months after the last contact. Newsletter records are kept until you unsubscribe, plus a short suppression period. Client records are kept for as long as the relationship continues and for the period required by applicable law, regulation, or professional record-keeping rules afterward. When information is no longer needed, it is securely deleted or anonymised.
8. Your rights and choices
Depending on where you live, you may have the right to:
- Access the personal information we hold about you;
- Correct inaccurate information;
- Delete information, subject to legal retention requirements;
- Object to or restrict certain processing;
- Receive a portable copy of information you provided;
- Withdraw consent for marketing at any time;
- Opt out of the sale or sharing of personal information (we do not sell or share for cross-context behavioural advertising).
California residents have specific rights under the CCPA/CPRA, including the right to know, delete, correct, and limit the use of sensitive personal information, and the right not to be discriminated against for exercising those rights. To make a request, email contact@moneycapitalgrowth.com with the subject line "Privacy request". We will verify your identity before acting and respond within the timeframe required by law.
9. Children's privacy
The Site is intended for adults. We do not knowingly collect personal information from children under 16. If you believe a child has provided information, contact us and we will delete it promptly.
10. Changes to this policy
We may update this Privacy Policy from time to time to reflect changes in our practices or the law. The effective date at the top of the page will always show the current version. Material changes will be highlighted on the Site.
11. How to contact us
Questions about this policy or your information can be sent to:
Money Capital Growth
2050 Tilia St, Davis, CA 95616, USA
Email: contact@moneycapitalgrowth.com
Phone: +1 530-759-0661
If you are not satisfied with our response, you may have the right to complain to your state attorney general or the relevant data protection authority.