Read the fine print
You can find all relevant terms, conditions, disclosures, and policies here.
Qapital Consumer Privacy Notice
WHAT DOES QAPITAL DO WITH YOUR PERSONAL INFORMATION?
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.
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
- Savings information
- Account balances and transactions
- Checking account and debit card information
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 Qapital chooses to share; and whether you can limit this sharing.
|Reasons we can share your personal information||Does Qapital 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||Yes||Yes|
|For our affiliates to market to you||Yes||Yes|
|For nonaffiliates to market to you||Yes||Yes|
To limit our sharing
Email us at email@example.com.
If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice.If you’re an existing customer and have opted out previously, you don’t need to update your privacy choices again.When you are no longer our customer, we continue to share your information as described in this notice.
However, you can contact us at any time to limit our sharing using the email address above.
Email us at firstname.lastname@example.org.
Who we are
Who is providing this notice?
Qapital, LLC, Qapital Invest, LLC, and any other entity in the Qapital company group (collectively, “Qapital”).
What we do
How does Qapital 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.
How does Qapital collect my personal information?
We collect your personal information, for example, when you:
- Open a Qapital account
- Set savings goals
- Carry out a transaction (e.g., make an investment, apply for a debit card, fund your Qapital account)
- Use your debit card
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
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 nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
Companies related by common ownership or control. They can be financial and nonfinancial companies.
- Our affiliates include Qapital Invest, LLC and any other entities of the Qapital group.
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- Nonaffiliates we share with can include technology partners, data processors or other service providers, advertisers, co-branded partners, and financial services companies and other financial institutions (e.g., banks).
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include companies such as financial services companies and other financial institutions (e.g., banks).
Other important information
For California residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account.
For Vermont residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by law, including, for example, with your consent or to service your account. We will not share information about your creditworthiness with our affiliates, other than as permitted by Vermont law, unless you authorize us to make those disclosures.
Telephone Communications: All telephone communications with us or our authorized agents may be monitored or recorded.