Questions? Ask away.
Branches near me How do I login into Online Services? So you have a PPP loan – What is next? How do I order checks? What is your routing number?
FACTS

WHAT DOES Capital Financial Inc, N.A.
DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number and account balances
  • Account transactions and checking account information
  • Payment history and wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons Capital Financial Inc chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Capital Financial Inc share? Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain your account(s), 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 with other financial companies Yes No
For our affiliates’ everyday business purposes—information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes—information about your creditworthiness No We don’t share
For our affiliates to market to you No We don’t share
For non-affiliates to market to you No We don’t share
Who we are
Who is providing this notice? Capital Financial Inc
What we do
How does Capital Financial Inc protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also limit access to information to those employees for whom access is necessary.
How does Capital Financial Inc collect my personal information? We collect your personal information, for example, when you

  • open an account or apply for a loan
  • pay your bills online or deposit/withdraw money
  • use your credit or debit card or make a wire transfer

We also collect your personal information from others, such  as credit bureaus
Why can’t I limit all sharing? Federal Law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes — information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • R4All, Inc. is an affiliate of Capital Financial Inc in which information may be shared about your transactions and experiences for everyday business purposes.
Non-affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Capital Financial Inc does not share with non-affiliates so they can market to you.
Joint marketing A formal agreement between non-affiliated financial companies that together market financial products or services to you.

  • Our joint marketing partners may include other financial services companies
Other important information
If in addition to federal law, you are protected by specific state or local regulations concerning information sharing and marketing, Capital Financial Inc will also fully comply with these regulations.


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