Privacy Policy

Debt Capital Works ("we", "us", "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, share and safeguard your personal information when you use our website and services.

1. Information We Collect

We collect information you provide directly — including your name, email, phone number, date of birth and any details shared in consultations or forms. We also collect usage data through cookies and similar technologies when you visit our website.

• Contact information (name, email, phone, mailing address)
• Financial information (income, credit score, account numbers) — only when you apply for services
• Technical data (IP address, browser type, device information, pages visited)
• Communication records (emails, chat transcripts, call recordings with consent)

2. How We Use Your Information

Your information is used to provide and improve our services, process applications, communicate with you, comply with legal obligations and deliver relevant insights. We never sell your personal data to third parties under any circumstances.

• Processing loan, insurance and investment applications
• Communicating about your accounts and services
• Sending our newsletter and marketing materials (with your consent)
• Improving our website and services
• Meeting regulatory and legal requirements

3. Information Sharing

We share information only with trusted partners necessary to deliver our services — lenders, insurance carriers, custodians and legal professionals — all bound by strict confidentiality agreements. We may disclose information when required by law.

• Lending partners (for loan applications)
• Insurance carriers (for policy underwriting)
• Custodians and brokerages (for investment accounts)
• Legal and compliance advisors (for regulatory requirements)
• Service providers (email platforms, analytics tools)

4. Data Security

We employ 256-bit AES encryption, multi-factor authentication and SOC 2 Type II certified infrastructure. Access to personal data is restricted to authorized personnel with a legitimate business need.

• End-to-end encryption for all data in transit
• Encrypted storage with regular security audits
• Multi-factor authentication for all employee accounts
• Regular penetration testing and vulnerability assessments
• Employee training on data protection and privacy

5. Your Rights

You have the right to access, correct or delete your personal information, opt out of marketing communications and request a copy of your data. To exercise any of these rights, contact us using the details below.

• Right to Access: Request a copy of the data we hold about you
• Right to Correction: Update inaccurate or incomplete information
• Right to Deletion: Request removal of your personal data
• Right to Opt-Out: Unsubscribe from marketing communications at any time
• Right to Portability: Receive your data in a structured, machine-readable format

6. Cookies

We use essential cookies for site functionality and analytics cookies to understand how visitors use our website. You can control cookies through your browser settings at any time.

• Essential Cookies: Required for site functionality (login, forms, security)
• Analytics Cookies: Help us understand traffic patterns and improve the site
• Marketing Cookies: Only used with your explicit consent for personalized content

7. Data Retention

We retain your personal information only as long as necessary to provide our services and comply with legal obligations. Financial records are kept for 7 years per IRS requirements. You may request early deletion of non-essential data.

8. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we become aware of such collection, we will delete the information promptly.

9. International Transfers

While we primarily serve U.S. clients, some service providers may be located outside the United States. We ensure appropriate safeguards are in place to protect your data during international transfers.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes via email or a prominent notice on our website. Your continued use of our services constitutes acceptance of the updated policy.

11. Contact Us

For privacy questions, data requests or concerns, please contact us:

• Email: info@debtcapitalworks.info
• Phone: 954-867-8578
• Mail: 2596 Pointe Lane Fort Lauderdale, FL 33301

We aim to respond to all privacy inquiries within 2 business days.