Privacy Policy

Introduction

Capital Retail Solutions, Inc. (“CRS,” “we,” “us,” or “our”) provides financial services solutions and Anti-Money Laundering (AML) compliance consulting services (“Services”) to financial institutions and money service businesses (MSBs). We understand the importance of protecting the privacy and security of the information provided by our business clients. This Privacy Policy describes how we collect, use, disclose, and protect information through our services and websites, located at www.capitalretailsolutions.com and www.capitalcomplianceexperts.com (the “Sites”).

Scope of this Privacy Policy

This Privacy Policy applies to information collected in connection with the Services and through our Site. It outlines our practices for collecting, using, and protecting business-related information. The Company does not collect or process any personally identifiable information (PII) or non-public information (NPI) of individual consumers. Instead, we collect only business information relevant to our Services for our clients.

Information We Collect

We collect information primarily from our business clients to facilitate and provide the Services. Examples of information we may collect include:

• Business Contact Information: Company name, business address, business phone number, and email address.
• Professional Information: Information on business representatives, such as their names, titles, and roles.
• Client Due Diligence (CDD) Information: Documents and data relating to the client’s AML and CDD practices, customer risk assessments, and transaction monitoring.
• Compliance Documentation: Copies of AML and CFT (Countering Financing of Terrorism) policies, internal audits, and regulatory filings.

In addition, we may collect Technical Information when users access our Sites:

• Log Data: IP addresses, browser types, device information, operating system details, and browsing behavior on our Sites.
• Cookies and Tracking Information: We use cookies and other tracking technologies to enhance user experience and gather analytical data.

How We Use the Information Collected

The Company uses collected information solely for business purposes related to the AML compliance consulting services we provide to financial institutions and MSBs. These purposes include:

• Performing the Services: Analyzing Business Information to perform the Services for Clients.
• Providing and Managing Services: Utilizing business contact information to provide and manage our AML compliance consulting services.
• Enhancing Services: Analyzing collected technical information to improve the functionality and security of our Sites.
• Compliance with Legal Requirements: Storing certain information as required by regulatory standards and for compliance with legal obligations.

Legal Basis for Processing Information

Our collection and use of information are justified under several lawful bases, including:

• Contractual Necessity: Information processing is essential to perform and deliver the Services as per agreements with our clients.
• Legal Compliance: We collect and process information to comply with applicable laws and regulations.
• Legitimate Interests: We may process certain data, such as log data, to enhance Site performance and maintain security.

How We Share & Disclose Information

We do not sell, rent, or otherwise share information collected from our clients except as follows:

• Service Providers: We may engage trusted third-party vendors who assist us with our business operations such as IT service providers, data hosting providers, and legal advisors. These providers are contractually obligated to protect client data.
• Financial Institutions: We may share information with financial institutions who provide services to our clients.
• Legal Compliance: We may disclose information when required by law or in response to legal requests by public authorities, including to meet national security or law enforcement requirements.
• Business Transactions: In case of a merger, acquisition, reorganization, or asset sale, information may be transferred to the acquiring party under strict confidentiality obligations.

Data Security

We employ industry-standard administrative, technical, and physical safeguards to protect information from unauthorized access, use, or disclosure. These measures include:

• Access Controls: We restrict access to information to authorized employees, contractors, and agents only.
• Encryption: Data is encrypted where feasible, particularly during transmission over the internet.
• Regular Audits and Monitoring: We routinely review our security protocols and implement necessary updates.

While we strive to protect information, no system can guarantee absolute security. Clients are encouraged to notify us of any suspicious activity or suspected data breach.

Cookies & Tracking Technologies

We use cookies, pixels, and similar tracking technologies on our Site to improve user experience and perform analytics. Cookies are small text files that help us recognize repeat visitors and optimize Site performance. Users may adjust browser settings to decline cookies, though doing so may affect the functionality of our Site.

Types of Cookies:

• Essential Cookies: These are necessary for basic Site functions and cannot be disabled.
• Analytics Cookies: These help us track and improve user experience on our Site.

Third-Party Links

Our Site may contain links to third-party websites or services that are not operated by Capital Retail Solutions. We do not control, endorse, or assume responsibility for these third-party websites or their privacy practices. We encourage users to review the privacy policies of any third-party sites they visit.

Data Retention

We retain information as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. The retention period may vary depending on the type of information and the purposes for which it was collected.

Your Data Privacy Rights

Depending on your jurisdiction, you may have certain rights regarding your information:

• Right of Access: Request access to your information held by the Company.
• Right of Rectification: Correct inaccuracies in the information.
• Right of Erasure: Request deletion of information, subject to legal or contractual restrictions.
• Right to Object: Object to certain types of data processing, particularly in cases where we process data based on legitimate interests.
• Right to Restrict Processing: Limit the use of information under specific circumstances.

To exercise any of these rights, please contact us at the information provided below. We may request additional information to verify your identity before processing your request.

International Data Transfers

The Company’s services may involve data transfers outside the client’s country of residence, including transfers to the United States. Where applicable, we implement appropriate safeguards to protect the data and ensure compliance with relevant data protection laws.

Changes to this Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal obligations, or business operations. Updates will be posted on our Site, and the “Last Updated” date will be revised accordingly. We encourage clients and Site visitors to review this policy regularly to stay informed about our data protection practices.

Children’s Privacy

Our services and Site are intended solely for business entities and are not directed at children under the age of 13. We do not knowingly collect or process any information from individuals under 13 years of age. If we become aware of any data being collected from a child under the age of 13, we will take steps to delete it promptly.

Contact Us

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

Capital Retail Solutions, Inc.
Capital Retail Solutions, Inc.
Email: legal@capitalretailsolutions.com
Phone: 855-922-4325
Address: 5704 Lonetree Blvd., Rocklin, CA 95765

We are committed to addressing any inquiries and ensuring clarity on how we collect, use, and protect information for our valued business clients.