The Q Kapital Mortgage Corp. (Q Kapital) is committed to respecting your privacy. This privacy statement discloses the privacy practices by Q Kapital Mortgage Corp.
Q Kapital collects nonpublic information about consumers from the following sources:
Information that we receive on loan applications, supporting documentation provided by consumers and other documents and forms provided by or authorized by consumers; Information about the consumer’s transaction with us or others;
Information by using our website; and Information that we receive from a consumer credit reporting agency or agencies.
We do not disclose any nonpublic personal information about our consumers, except as permitted by law.
We restrict access to consumer’s personal and account information to those employees of Q Kapital who need to know that information to provide service to our consumers. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard consumers nonpublic personal information.
Frequently Asked Questions:
In order to process and or obtain a mortgage for a customer, Q Kapital needs this information.
Information gathered at our sites is done so on a voluntary basis. You need not provide us with any personal information to use these sites. Information submitted on these sites can include contact information such as email addresses, comments on blog postings and job and press inquiries. You should be aware that any information you provide in the comment or blog areas may be read, collected, and used by others who access them. To request removal of your personal information from these areas, contact us at email@example.com. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.
Because of our commitment to present the best possible product to all our users, we track the category of services selected by our individual users as well as all information pertaining to user satisfaction. To ensure the quality of our products, we reserve the right to maintain evaluation and feedback records.
SECURITY INFORMATION: Q Kapital also collects certain standard information about your computer for security and identification purposes. This information may include: IP addresses, domain names, access times, cookies and other unique identifying information of machines that have our software downloaded and installed on them. This information is used for the operation of the service, to identify and protect our customers and to control unauthorized use or abuse of our services. All information is encrypted during transmission and is stored securely within our servers.
SURVEYS: In addition to required information, we may conduct surveys and ask users to volunteer demographic information to be used on an aggregate basis for internal market research, presentation to advertisers and joint research projects with outside companies involved in product development. We use such information to better focus our product and personalize the scope of services offered to each individual user.
WEB ANALYTICS: We continuously improve our websites and utilize different third party web analytic tools to help us do so. We are interested in how visitors use our websites, what they like and dislike, and where they have problems. We may also use web analytical tools on our mobile applications to help gather non-personally identifiable data about download and application usage. In our use of web analytics we do not collect Geo-Location data. We may use information such as IP addresses to determine the general geographic location areas of our visitors, but this information is not correlated to personal information about individual users. The web beacons used in connection with our web analytics services do not share any personally identifiable information about our website and application visitors with third parties. These tools may gather data such as what browser a person uses, what operating systems are used, what is downloaded, and what content, products and services are reviewed when visiting or registering for services at one of our websites or mobile applications. This information is used solely to assist Q Kapital in maintaining a more effective and useful website for our customers.
We track aggregate traffic patterns throughout our sites but we do not correlate this information with personally identifiable data about individual users. We track domain names, browser types and MIME type. Such information will not be passed to third parties without your prior consent unless where required by applicable law.
Local shared objects, also known as Flash cookies, may be used by third parties for some of our product training videos. These cookies are used to store preferences for the videos such as volume control. Flash cookies are not used to back-up, recreate or re-spawn a browser cookie that a user may delete. Flash cookies are different from browser cookies because of the amount of, type of, and way data is stored. Cookie management tools provided by your browser will not remove Flash cookies.
Q Kapital may also partner with selected marketing companies to help us track the effectiveness of our websites, generate visitor traffic, display advertisements to you based on your visit to our sites, and as part of our affiliate referral program through various on-line web sites. When a partner refers a visitor to us from any of these sites, they set a web beacon and a cookie on our site. An ad ID and a partner ID are stored in the cookie, but no personally identifiable information specific to the actual visitor is stored. Q Kapital does not see the cookie; we only include the web beacon on our page, which results in a request to the partner’s servers from the customer browser. We have no control over their use of tracking technologies after they are placed on our site.
If you wish to not have the information these technologies collect used for the purpose of serving you targeted ads, you may opt-out by notifiying firstname.lastname@example.org. The Help menu on the menu bar of most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie and how to disable cookies altogether. You can still review the website if you choose to set your browser to refuse all cookies; however, you must enable cookies in order to establish an account and to download and install any of the software.
Ensuring your privacy is important to us. We do not sell, trade or rent your personal information to third parties.
We will never voluntarily share personally identifiable information with any third party without the user’s express consent, or to process a loan application or unless compelled by applicable state and federal laws. We reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our website.
Our websites may contain links to other sites that are not owned or controlled by Q Kapital. Please be aware that we are not responsible for the privacy practices of such other sites.
We encourage you to be aware when you leave our sites and to read the privacy statements of each and every website that collects personally identifiable information.
If you wish to change or review your personal information, please contact us at email@example.com if you need assistance in updating or reviewing your information. Q Kapital will respond to your request to review the information we have on file for you within 30 days.
To change your email subscription status to receive or to stop receiving marketing communications or third-party promotions or to opt out of our collection, use and distribution of your information as stated above, please notify firstname.lastname@example.org
Q Kapital uses industry-standard efforts to safeguard the confidentiality of personally identifiable information, including encryption, firewalls and SSL (Secure Sockets Layer). Nevertheless, we remind you that no security measure is perfect. Q Kapital is not liable for loss of passwords due to user carelessness. If you lose control over your password, you may lose control over your personally identifiable information. If you believe your password has been compromised, we recommend that you immediately change your password.
For additional inquiries about the privacy of your information, you can contact Q Kapital via email at email@example.com, by calling +1 (305) 705-0080 or by writing to us via regular mail at: The Q Kapital Mortgage Corp., 18851 NE 29 Ave, Suite 104, Aventura, FL 33180.