Our Privacy Policy

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​​At Capstone Credit Hub, we value your privacy. This Privacy Policy outlines how we collect, use, and protect your personal information when you access or use our website.. We understand the importance that Internet users place on privacy and have designed our service with this in mind. You agree to this Privacy Policy, in its entirety, when you: 1) access or use our “Website”); and/or 2) select and register for an offer(s) on the Website by clicking the offer(s) presented. If you do not agree with the terms and conditions of our Privacy Policy, please do not use or access the Website. If you are a resident of the State of California and would like to opt-out from the disclosure of your personal information to any third party for direct marketing purposes, please e-mail us.

​Information We Collect

The information we collect includes personal details that you voluntarily provide on our Website or through our membership platform. This may include:

• Full name
• Address (current and past)
• Email address and telephone number
• Social Security Number (SSN)
• Date of Birth (DOB)
• Employment history and places of work
• Information about your interests in and use of various products, programs, and services
• Other details necessary for financial literacy guidance and credit bureau interactions

You are not required to provide all of this information to access general educational resources. However, certain interactions—such as those involving credit bureaus—may require you to voluntarily provide additional identifying details.

Although we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer’s prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer’s prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol (“IP”) addresses, browser type, Internet Service Provider (“ISP”), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users’ movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.

How We Handle Sensitive Information

While Capstone Credit Hub may assist members in providing necessary personal details (such as Social Security Numbers, Date of Birth, and past addresses) for interactions with credit bureaus, we do not store this data on our website. Any such information is securely handled through third-party software that complies with industry security standards.

Our website may collect non-sensitive data for account management and membership access, but we do not retain or process Social Security Numbers, credit card details, or other sensitive personal identifiers on our servers. If you choose to provide such information for specific services, it will be securely managed by our verified third-party providers.

Cookies

The Website uses a “cookie” to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer’s hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

​How We Use Your Information

Any personal information you provide remains your property. However, by submitting this information, you grant Capstone Credit Hub the right to use it for the following purposes:

• Providing access to educational resources, credit-building strategies, and related membership benefits
• Assisting in interactions with credit bureaus, where applicable, including guidance on dispute resolution (when members voluntarily provide additional details such as SSN and DOB into 3rd party software that complies with industry security standards)
• Ensuring security, fraud prevention, and identity verification in connection with our membership services
• Improving our platform’s content, user experience, and customer support
• Sending membership updates, relevant financial insights, and promotional offers (with opt-out options)

By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, to receive email marketing from us. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. Moreover, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.

How We Protect Your Information 

Capstone Credit Hub prioritizes the protection of your personal information. We implement industry-standard security measures, including encryption and access controls, to safeguard sensitive data such as Social Security Numbers, Date of Birth, and address history. While we take reasonable precautions to protect your information, we cannot guarantee absolute security due to the nature of internet-based transmissions.

We will never sell, rent, or disclose your SSN, DOB, or similar sensitive data to third parties except as required to comply with legal obligations or when necessary to facilitate interactions with credit bureaus at your request.

Who we share your data with

We do not sell, rent, or share sensitive personal data (such as SSN, DOB, or past employment history) with third-party advertisers. If you voluntarily provide such details for credit bureau interactions, they will be used solely for that purpose and will not be disclosed beyond that specific use case.

We may, however, share non-sensitive information with:

• Service providers who assist with data storage, customer support, or payment processing
• Government authorities or legal entities if required to comply with applicable laws and regulations
• Financial literacy and education partners who offer complementary services, provided that users opt in to receive such communications

Your Choices & Rights 

As a Capstone Credit Hub member, you have the right to:

• Control what information you provide—sensitive data is only required for certain interactions, such as credit bureau engagement.
• Request deletion of personal data—except where retention is legally required.
• Withdraw consent for marketing communications at any time.

• Opt-out of third-party data sharing where applicable.

To make a request regarding your data, please contact: admin@capstonecredithub.com

Policy Updates & Member Notification 

We may update this Privacy Policy from time to time. Members will be notified of significant changes via email or website notifications. Continued use of our services after updates constitutes agreement with the revised terms.