Effective Date: September 26, 2025

Capital Financial Management, LLC (“Company,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website www.capitalfinancialmgmt.com, use our services, or interact with us.

By using our website and services, you agree to the terms of this Privacy Policy.

We may collect the following types of information:

• Personal Information: Name, address, phone number, email, Social Security number, date of birth, or financial information when you sign up for services.
   
• Account Information: Login credentials for client portals and related systems.
   
• Payment Information: Billing details, card information, or other financial data required for payments.
   
• Technical Data: IP address, browser type, device information, and website usage analytics.
   
• Documents You Provide: Credit reports, dispute letters, contracts, and other files submitted through our portal.
   

Your information may be used to:

• Provide and manage our services (credit repair, business setup, coaching, notary, etc.)
   
• Process payments and invoices
   
• Communicate with you regarding updates, reports, and service reminders
   
• Personalize your experience on our website
   
• Ensure compliance with federal and state consumer protection laws
   
• Improve our services and website functionality
   
• Respond to legal requests or comply with regulatory requirements
   

We do not sell or rent your personal information. We may share your information only in these situations:

• With Credit Bureaus and Financial Institutions: When required to provide dispute services or financial management solutions.
   
• With Service Providers: Third-party vendors who assist with billing, portals, or website hosting.
   
• For Legal Reasons: If required by law, court order, or regulatory request.
   
• With Your Consent: If you authorize us to share information with another party.
   

We implement industry-standard measures to protect your information, including encryption, secure storage, and limited employee access. However, no system is 100% secure, and we cannot guarantee absolute protection of your data.

Our website may use cookies, tracking pixels, and analytics tools (such as Google Analytics) to enhance user experience and collect information about website usage. You may disable cookies through your browser settings, but some features of the site may not function properly.

• Access, update, or correct your personal information
   
• Request deletion of your data, subject to legal and contractual obligations
   
• Opt out of promotional communications at any time
   
• Request a copy of the personal data we hold about you
   

Our website may include links to third-party websites. We are not responsible for the privacy practices of these external sites.

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.

We may update this Privacy Policy periodically. Changes will be posted on this page with a revised “Effective Date.”

If you have questions about this Privacy Policy or how your data is handled, please contact us:

Capital Financial Management, LLC
145 N Church Street, Suite B 102
Spartanburg, SC 29306
📞 (864) 875-0213
🌐 www.capitalfinancialmgmt.com