Your finances,
redefined.

Effective Date: January 1, 2026

Capital Appreciation ("we," "us," or "our") is committed to protecting your personal information. This Privacy Policy describes how we collect, use, and safeguard your data when you use our website and services.

Information We Collect

We may collect personal information including but not limited to: name, email address, phone number, mailing address, Social Security number (for loan applications), financial account data, and transaction history.

How We Use Your Information

• To process loan applications, insurance enrollments, and investment accounts
• To communicate service updates, newsletters, and promotional materials
• To comply with applicable federal and state financial regulations
• To improve our website functionality and user experience
• To detect and prevent fraudulent activity

Data Sharing and Disclosure

We do not sell your personal information to third parties. We may share your data with trusted partners strictly for service delivery (e.g., credit bureaus, underwriters, payment processors) and where required by law.

Data Security

We implement industry-standard encryption, firewalls, and access controls to protect your information. All financial data is stored in compliance with SOC 2 and applicable financial data security standards.

Your Rights

You have the right to access, correct, or request deletion of your personal data. To exercise these rights, contact us at info@capitalappreciation.info.

Cookies

We use cookies to analyze website traffic and improve your browsing experience. You may disable cookies through your browser settings, though some site features may be limited.

Contact

For privacy-related inquiries: info@capitalappreciation.info or 136 Madison Avenue, New York, NY 10016.

Effective Date: January 1, 2026

By accessing or using the Capital Appreciation website and services, you agree to be bound by the following Terms and Conditions. Please read them carefully.

Eligibility

Our services are available to individuals 18 years of age or older who are legal residents and have the legal capacity to enter into a binding agreement. Certain loan and investment products may have additional eligibility criteria.

Services Provided

Capital Appreciation provides financial services including loans, insurance products, digital payment solutions, investment advisory, home warranty referrals, and debt relief consultation. All services are subject to approval and applicable regulatory requirements.

Financial Disclaimers

• Investment products are not FDIC insured and are subject to market risk
• Past performance does not guarantee future results
• Loan approval is subject to creditworthiness and underwriting guidelines
• Insurance coverage terms are governed by the respective policy documents

User Responsibilities

You agree to provide accurate, complete, and current information when applying for any service. Providing false or misleading information may result in immediate termination of services and possible legal action.

Intellectual Property

All content on this website, including text, graphics, logos, and data, is the property of Capital Appreciation and protected under applicable copyright and trademark laws.

Limitation of Liability

Capital Appreciation shall not be liable for any indirect, incidental, or consequential damages arising from your use of our services or website. Our total liability is limited to the amount of fees paid in the preceding 12-month period.

Governing Law

These Terms are governed by the laws of the State of New York. Any disputes shall be resolved in the courts of New York County, NY.

Contact

For questions regarding these Terms: info@capitalappreciation.info or 136 Madison Avenue, New York, NY 10016.