Effective as of June 15, 2023
How We Define Personal Information
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
Reasons We Can Share Your Personal Information
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
For our marketing purposes, to offer our products and services to you
For joint marketing to other financial companies
For our affiliates everyday business purposes – information about your transactions and experiences
For our affiliates to market to you
For our affiliates everyday business purposes – information about your creditworthiness
For our affiliates to market to you
Cookies and Google Analytics
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?
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.
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.