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Privacy Policy - 1st Capital Financial

Effective Date: 07/22/2025

1st Capital Financial (“we,” “us,” or “our”) is a licensed health insurance agency making it easy to compare and sign up for top healthcare plans nationwide. We are committed to protecting the privacy of individuals who use our services, including employees and enrollees. This Privacy Policy explains how we collect, use, disclose, and protect your personal information, including through SMS communications.

1. Information We Collect

We may collect the following personal information to assist with healthcare plan comparisons, enrollment, and support:

• Full name
• Contact information (e.g., phone number, email address)
• Date of birth
• Employment or eligibility status
• Healthcare plan preferences and enrollment data
• Health-related information (as required for plan matching or enrollment)
• Communication preferences

2. How We Use Your Information

We use your personal information to:

• Help you compare and enroll in qualified health insurance plans
• Provide support for plan selection, eligibility, and enrollment
• Communicate updates about your application, plan status, or renewal
• Send timely SMS notifications to employees and enrollees
• Fulfill our legal, contractual, and regulatory obligations

3. SMS Terms and Conditions

Use of SMS
1st Capital Financial uses SMS (text messaging) to communicate only with employees and enrollees who are actively exploring, enrolling in, or managing healthcare plans through our agency. These messages may include:

• Enrollment reminders and deadlines
• Plan comparison follow-ups
• Application or renewal updates
• General support messages

Privacy and Use of Mobile Information

• We do not sell, rent, or share your mobile number or SMS consent with third parties for affiliate marketing or promotional purposes.
• Your mobile information is used exclusively for communicating essential service updates and plan-related information.

Message Frequency & Charges
Message frequency varies depending on your level of activity and needs. Standard message and data rates may apply based on your carrier.

Opt-Out Instructions
You can opt out of SMS messaging at any time by replying STOP to any text. For help, reply HELP or contact our support team at Processing@1stCapFinancial.com.

4. Data Sharing and Disclosure

We do not sell or share your personal information, including mobile numbers, for marketing or unrelated business purposes. We may share your information only with:

• Health insurance carriers and plan administrators
• Licensed brokers and authorized support partners
• Regulatory agencies or as required by law

All third parties are required to use your data only for its intended purpose and maintain industry-standard security protections.

5. Data Security

We implement appropriate physical, administrative, and technical safeguards to secure your personal data from unauthorized access, disclosure, or misuse. SMS is used for time-sensitive communication only and does not transmit sensitive health or financial data.

6. Your Rights

Depending on applicable law, you may have the right to:

• Access or correct your personal information
• Limit or withdraw consent to certain communications
• Request deletion of your information
• File a complaint with a privacy regulator

You can exercise these rights by contacting us directly.

7. Contact Us

1st Capital Financial
+1-833-317-8227
Processing@1stCapFinancial.com

We may revise this Privacy Policy as needed to reflect changes in services, laws, or best practices. All updates will be posted on our website and communicated as appropriate.