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Privacy Policy

Effective as of June 15, 2023


This Digital Privacy Policy (“Privacy Policy”) applies to information collected by Constructive Capital (“Constructive Capital”) on www.ConstructiveLoans.com and on Constructive Capital branded social media sites, digital advertising campaigns, applications, and digital sites owned by Constructive Capital. By using this site, you agree to the terms and conditions of this Privacy Policy. You may download a copy of this Privacy Policy here. This Privacy Policy does not apply to third-party websites and other websites and applications that do not link to or reference this Privacy Policy and does not apply to information collected from you offline. Questions regarding this privacy policy may be sent to Info@ConstructiveCapital.com. If you do not agree with any part of this Privacy Policy, you may not use the site.

How We Define Personal Information
For purposes of this Privacy Policy, “Personal Information” means any information you provide us on this site that personally identifies you. Personal Information includes, but is not limited to, your name, telephone numbers, email address, and login credentials. Personal Information also includes information that, when combined with other information, can be used to identify you.

How We Collect Your Personal Information, Types We Collect, and How We Use It
When you complete our online contact form, we ask you for Personal Information. We use that information to contact you, provide services or products as outlined on our website, or to respond to your questions

How We Protect and Store Information / Data Security
Constructive Capital takes precautions intended to help protect your personal information that we collect and store. We employ controls that follow widely recognized security policies, standards, and regulations and align with industry-standard best practices. However, you are responsible for using appropriate security measures to protect your information and for refraining from sending sensitive data to us over unsecure means.

We retain information for as long as necessary to fulfill the purposes for which you provided the information, to comply with legal obligations, to resolve disputes, to enforce agreements, and for a reasonable period of time thereafter. 

Location of Servers and Transfer of Information to the United States
The website is hosted by servers in the United States (US). If you are located outside of the US, your Personal Information will be transferred to the US. By submitting your Personal Information, you consent to its transfer to the US and to its storage, processing, and use there.

Our hosting services are maintained in accordance with industry standards to reasonably secure the information of its customers. However, “Perfect security” does not exist on the Internet, and you use the website at your own sole risk. The information contained on this website is provided as a service to the Constructive Capital community, and does not constitute legal or financial advice. Constructive Capital makes every effort to provide quality information, but we make no claims, promises, or guarantees about the accuracy or completeness of the information contained in or linked to this website and its associated sites.

Affiliated Websites or Organizations (third parties included) That May Use the Data
Constructive Capital does not sell your personal information to third parties. Constructive Capital may share your Personal Information with corporate affiliates for everyday business purposes, to allow affiliates to market to you, or to allow affiliates to provide you with products you requested, and as required by law. Constructive Capital also shares information if disclosure of specific information is necessary to comply with the request of a law enforcement or regulatory agency; to enforce Constructive Capital’s Terms of Use; and to respond to an emergency. Constructive Capital never publicly discloses any Personal Information related to financial or payment activities or any government identification numbers. 

Reasons We Can Share Your Personal Information

Shared?

Can you limit Sharing?

For our everyday business purposes, such as to process your transactions, maintain your accounts, respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes, to offer our products and services to you

Yes

No

For joint marketing to other financial companies

Yes

No

For our affiliates everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates to market to you

Yes

Yes

For our affiliates everyday business purposes – information about your creditworthiness

Yes

Yes

For our affiliates to market to you

Yes

Yes

Cookies and Google Analytics
We do not use cookies on the site but we do use Google Analytics (GA). GA may collect information that includes, but is not limited to, demographic information, browser information, and information collected through tags and other technologies. GA records how long you spend on various pages on the site, which pages you view, your search queries, the products you viewed, error and performance reports, your IP address, your browser type, time zone and language settings, and operating system. Generally, analytics services like GA do not identify individual users. To opt out of Google Analytics, visit the google website https://support.google.com/analytics/answer/181881?hl=en

How the Site Responds to Do Not Track Signals
Some web browsers use a “Do Not Track” (“DNT”) feature that notifies a website that a user does not want to have their online activity tracked. The Constructive Capital website does not respond to DNT requests from any browser. 

Third Party Sites and Services
Our Sites may contain links to other websites or services that are not owned or controlled by Constructive Capital. Your use of these websites or services is at your own risk. We are also not responsible for the information collection, or security policies or practices of other organizations, including LinkedIn, Facebook, Apple, Google, Microsoft, or any other third-party app provider, social media platform provider, operating system provider, device manufacturer, or wireless service provider. We encourage you to read the privacy policies of every website or service that you visit to understand how Personal Information is processed.

How Can I Correct or Delete My Personal Information?
If you would like to correct or delete Personal Information supplied to Constructive Capital, please send an e-mail with your request to Info@ConstructiveCapital.com or send us a letter to Constructive Capital, Attn:  Constructive Privacy Policy Department, 1801 S MEYERS RD STE 400, OAKBROOK TERRACE, IL 60181. Do not include personal information in the email or letter. We will use reasonable efforts to correct your information but may not be able to correct or delete Personal Information shared with third parties.

Changes to this Privacy Policy
We reserve the right to change this Privacy Policy as business needs require by updating the relevant link. Your continued use of the Sites after the Effective Date constitutes your acceptance of the amended Privacy Policy. The amended Privacy Policy supersedes all previous versions.


Do Not Call Policy. This notice is the Constructive Capital Do Not Call Policy notice under the Telephone Consumer Protection Act. We do not solicit via phone numbers listed on the state or federal Do Not Call Lists, unless the law permits. Constructive Capital associates receive training on how to document and process telephone marketing choices. Consumers who ask not to receive telephone solicitations from Constructive Capital will be placed on the Constructive Capital Do Not Call List and will not be called in any future campaigns, including those of Constructive Capital affiliates. If you communicate with us by telephone, we may monitor the call.

 

Nevada. We are providing you this notice pursuant to state law. You may be placed on our Internal Do Not Call List by sending us a letter to Constructive Capital, Attn: Constructive Privacy Policy Department, 1801 S MEYERS RD STE 400, OAKBROOK TERRACE, IL 60181. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number – (702) 486-3132; email BCPINFO@ag.state.nv.us


Vermont. In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, with other financial institutions with which we have joint marketing agreements, or as otherwise necessary to service your accounts. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.


California. In accordance with California law, we will not share information we collect about you with companies outside of Constructive Capital, unless the law allows. For example, we may share information with your consent, to service your accounts, or to provide rewards or benefits you are entitled to. We will limit sharing among our companies to the extent required by California law.

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