1. Introduction

Core One Capital ("we," "us," "our," or "Company") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website at www.coreonecap.com (the "Site") or engage with our services.

By using our Site or services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our Site or services.

 

2. Information We Collect

We collect several types of information from and about users of our Site and services, including:

2.1 Personal Information You Provide

When you interact with us, we may collect personal information that you voluntarily provide, including:

• Contact Information: Name, email address, phone number, mailing address

• Loan Application Information: Property address, loan amount requested, credit score estimates, income information, employment details, investment experience

• Financial Information: Bank account information, tax identification numbers, asset information

• Communication Records: Records of your communications with us via phone, email, or online forms

• Business Information: LLC or entity information, business structure details

2.2 Information Automatically Collected

When you visit our Site, we automatically collect certain information about your device and usage:

• Device Information: IP address, browser type, operating system, device type

• Usage Data: Pages visited, time spent on pages, links clicked, referring website

• Cookies and Tracking Technologies: We use cookies, web beacons, and similar technologies to collect information about your browsing behavior

2.3 Information from Third Parties

We may receive information about you from third parties, including:

• Credit Bureaus: Credit reports and scores

• Property Appraisers: Property valuations and inspection reports

• Title Companies: Property ownership and lien information

• Mortgage Brokers: If you are referred to us by a broker or partner

• Public Records: Property records, tax assessments, and other publicly available information

 

3. How We Use Your Information

We use the information we collect for various purposes, including:

3.1 To Provide Our Services

• Process and evaluate your loan application

• Underwrite and approve loans

• Communicate with you about your loan status

• Coordinate closings and fund disbursements

• Service your loan and send account statements

3.2 To Improve Our Services

• Analyze usage patterns and improve our Site functionality

• Develop new products and services

• Conduct market research and analytics

• Customize your experience on our Site

3.3 To Communicate with You

• Respond to your inquiries and requests

• Send you transaction-related communications

• Provide customer support

• Send marketing communications about our products and services (with your consent)

• Send rate updates, loan program information, and educational content

3.4 For Legal and Business Purposes

• Comply with legal obligations and regulatory requirements

• Enforce our Terms of Service and other agreements

• Protect against fraud, security risks, and illegal activity

• Resolve disputes and troubleshoot problems

• Conduct audits and risk assessments

 

4. How We Share Your Information

We may share your information in the following circumstances:

4.1 Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Credit reporting agencies

• Property appraisers and inspectors

• Title and escrow companies

• Document preparation services

• Cloud storage and technology providers

• Payment processors

• Customer relationship management (CRM) systems

4.2 Business Partners

We may share information with:

• Mortgage brokers who referred you to us

• Co-lenders or loan participants

• Investors who may purchase or service your loan

• Legal and accounting professionals

4.3 Legal Requirements

We may disclose your information when required by law or to:

• Comply with legal processes, court orders, or government requests

• Enforce our legal rights or defend against legal claims

• Investigate and prevent fraud or security issues

• Protect the rights, property, or safety of Core One Capital, our users, or the public

4.4 Business Transfers

If Core One Capital is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction.

4.5 With Your Consent

We may share your information with third parties when you provide explicit consent for us to do so.

4.6 Aggregate and De-Identified Information

We may share aggregate or de-identified information that does not personally identify you for analytics, research, or marketing purposes.

 

5. Cookies and Tracking Technologies

5.1 What Are Cookies?

Cookies are small text files placed on your device when you visit our Site. We use cookies and similar technologies to:

• Remember your preferences and settings

• Understand how you use our Site

• Improve Site functionality and user experience

• Deliver targeted advertising

5.2 Types of Cookies We Use

• Essential Cookies: Necessary for the Site to function properly

• Analytics Cookies: Help us understand how visitors interact with our Site (e.g., Google Analytics)

• Marketing Cookies: Used to deliver relevant advertisements and track campaign effectiveness

5.3 Managing Cookies

You can control cookies through your browser settings. Note that disabling cookies may affect the functionality of our Site. To learn more about cookies and how to manage them, visit www.allaboutcookies.org.

 

6. Third-Party Links

Our Site may contain links to third-party websites, including social media platforms. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

 

7. Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data during transmission (SSL/TLS)

• Secure servers and firewalls

• Access controls and authentication procedures

• Regular security assessments and updates

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

 

8. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes outlined in this Privacy Policy

• Comply with legal, regulatory, and business requirements

• Resolve disputes and enforce our agreements

Loan application data is typically retained for 7 years or longer as required by federal and state lending regulations. After the retention period, we will securely delete or anonymize your information.

 

9. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

9.1 Access and Correction

You have the right to:

• Access the personal information we hold about you

• Request corrections to inaccurate or incomplete information

• Request a copy of your information in a portable format

9.2 Deletion

You may request that we delete your personal information, subject to certain exceptions (e.g., legal obligations, ongoing transactions).

9.3 Opt-Out of Marketing

You can opt out of receiving marketing communications by:

• Clicking "Unsubscribe" in any marketing email

• Replying STOP to text messages

• Contacting us at originations@coreonecap.com

Note: You cannot opt out of transactional communications related to your loan or account.

9.4 Do Not Sell My Information

Core One Capital does not sell your personal information to third parties.

9.5 Exercising Your Rights

To exercise any of these rights, please contact us at:

Email: originations@coreonecap.com
Phone: +1 (929) 493-4289
We will respond to your request within 30 days.

 

10. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: You can request information about the categories and specific pieces of personal information we have collected about you in the past 12 months.

• Right to Delete: You can request deletion of your personal information, subject to certain exceptions.

• Right to Opt-Out: You have the right to opt out of the sale of your personal information. (Note: We do not sell personal information.)

• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.

To submit a request, contact us at originations@coreonecap.com or call +1 (929) 493-4289.

 

11. Children's Privacy

Our Site and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will promptly delete it. If you believe we have collected information from a child, please contact us immediately.

 

12. International Users

Our Site is operated in the United States and is intended for users located in the United States. If you are accessing our Site from outside the U.S., please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country.

 

13. Email and Text Message Communications

13.1 Email

By providing your email address, you consent to receive emails from Core One Capital, including:

• Loan status updates and transaction notifications

• Rate sheets and loan program information

• Educational content and market updates

• Promotional offers and marketing materials

You may unsubscribe from marketing emails at any time by clicking "Unsubscribe" at the bottom of any email.

13.2 Text Messages (SMS) - A2P 10DLC Compliance

SMS Consent and Program Description:

By providing your mobile phone number and opting in, you consent to receive text (SMS) messages from Core One Capital. These messages may include:

• Loan status updates and transaction notifications

• Rate quotes and loan program information

• Appointment reminders

• Educational content related to real estate investing

• Promotional offers and marketing communications (if you opt-in to marketing messages)

Message Frequency: Message frequency varies depending on your loan activity and preferences. You may receive approximately 2-10 messages per month, but this may vary.

Data Rates: Message and data rates may apply based on your mobile carrier's plan. Please contact your wireless provider for details about your specific plan.

Opt-Out Instructions: You may opt out of receiving SMS messages at any time by:

• Replying STOP to any text message you receive from us

• Contacting us at originations@coreonecap.com

• Calling us at +1 (929) 493-4289

After you send STOP, you will receive a confirmation message that you have been unsubscribed. After this, you will not receive further SMS messages from us unless you re-opt-in.

Help Instructions: If you are experiencing issues with our SMS program, reply HELP to any message for assistance, or contact us directly at originations@coreonecap.com or +1 (929) 493-4289.

Supported Carriers: Our SMS program is supported by all major U.S. wireless carriers. Carriers are not liable for delayed or undelivered messages.

No Third-Party Sharing of SMS Data: We will not sell, share, or rent your mobile phone number or SMS opt-in consent data to third parties or affiliates for marketing or promotional purposes. Your mobile number and consent information will be used solely by Core One Capital to communicate with you about our services.

Program Terms: By consenting to receive SMS messages, you certify that you are the authorized user of the mobile phone number you provide and that you are at least 18 years old (or the age of majority in your jurisdiction).

 

14. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated policy on this page and update the "Last Updated" date at the top.

We encourage you to review this Privacy Policy periodically. Your continued use of our Site and services after any changes indicates your acceptance of the updated policy.

 

15. Contact Us

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

Core One Capital

Email: originations@coreonecap.com
Phone: +1 (929) 493-4289
Website: www.coreonecap.com

​

16. Annual Privacy Notice (GLBA Compliance)

As a financial institution, we are required to provide you with an annual privacy notice under the Gramm-Leach-Bliley Act (GLBA). This Privacy Policy serves as our annual notice.

Non-Affiliated Third Parties:
We do not sell or share your personal financial information with non-affiliated third parties for their marketing purposes without your explicit consent.

Opt-Out Rights:
You have the right to opt out of certain information sharing. To exercise your opt-out rights, contact us at originations@coreonecap.com or +1 (929) 493-4289.