Privacy Policy

When you use Capnova Pay, we may collect information that you voluntarily provide to us, such as your name, email address, telephone number, and information included in communications or inquiries you submit through our website.

We may also automatically collect limited technical information when you use our website, such as your IP address, browser type, device information, pages visited, and information about how you interact with the platform. The information collected depends on the technologies and services used on our website.

Capnova Pay provides a platform through which users can explore financial products and services offered by third-party providers. When you choose to proceed with a third-party provider and are directed to that provider’s website or platform, information you provide during that provider’s application, account-opening, identity-verification, or onboarding process is collected and processed by that provider in accordance with its own privacy policy and terms.

We may use information collected through Capnova Pay to:

• Operate, maintain, and improve our website and platform;

• Respond to inquiries and customer-support requests;

• Provide information about financial products and services available through the platform;

• Communicate with you regarding products or services in which you have expressed interest;

• Protect the security and integrity of our platform; and

• Comply with applicable legal and regulatory requirements.

Financial products and services accessible through Capnova Pay may be offered and provided by independent third-party financial service providers.

When you select a product or service and are directed to a third-party provider, that provider’s privacy policy, terms of service, disclosures, eligibility requirements, and other applicable agreements govern your use of that provider’s services.

Capnova Pay’s Privacy Policy does not govern information that you provide directly to a third-party provider after leaving the Capnova Pay platform. We encourage you to review the provider’s privacy policy and applicable disclosures before submitting personal, financial, or other sensitive information.

Capnova Pay does not sell customer personal information.

We may use third-party technology and service providers to help operate, maintain, secure, and support the Capnova Pay platform. For example, when you submit a question or support request through our website, information you provide may be processed by service providers that help transmit your message to Capnova Pay so that we can respond to your inquiry.

These service providers may process limited information as necessary to provide services supporting our platform.

We may also disclose information when required by law, when reasonably necessary to protect the security or integrity of our platform, or to protect our legal rights.

When you submit a question or support request through Capnova Pay, we may collect the information you provide, such as your name, email address, telephone number, and the contents of your message.

We use this information to receive, review, and respond to your inquiry and to provide customer support. Information submitted through Capnova Pay’s support function is not sold to third parties.

For your security, please do not submit passwords, account numbers, Social Security numbers, private keys, authentication codes, or other sensitive financial information through the Capnova Pay support form.

Capnova Pay may use cookies and similar technologies to operate the website, understand how visitors use the platform, improve functionality, and maintain security. The specific technologies used may vary depending on the services and features implemented on our website.

Capnova Pay uses administrative, technical, and organizational safeguards intended to protect information collected through our platform. However, no method of transmission over the Internet or method of electronic storage can be guaranteed to be completely secure.

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, respond to inquiries, comply with applicable legal obligations, resolve disputes, and enforce our agreements.

Information submitted directly to a third-party financial service provider is subject to that provider’s data-retention practices.

You may contact us to request information about personal information associated with your inquiries, request corrections where appropriate, or ask that we stop sending you certain communications.

Depending on where you reside, applicable law may provide additional rights regarding your personal information.

Privacy choices concerning an account or service established directly with a third-party provider must generally be exercised through that provider.

Capnova Pay is intended only for individuals who are 18 years of age or older. We do not knowingly collect personal information from individuals under the age of 18.

If we become aware that we have collected personal information from an individual under 18, we will take reasonable steps to delete that information.

We may update this Privacy Policy periodically to reflect changes to our practices, services, technology, or legal requirements. When we make changes, we will update the “Last Updated” date at the top of this Privacy Policy.

If you have questions about this Privacy Policy, our privacy practices, or personal information you have provided directly to Capnova Pay, please contact:

Capnova Financial Services Inc. d/b/a Capnova Pay

Email: admin@capnovapay.com

For questions concerning personal or financial information submitted directly to a third-party financial service provider, please contact that provider directly.