Personal information includes any factual or subjective information, recorded or not, about an identifiable individual. This includes information in any form, such as:
- Age, name, ID numbers, income, or ethnic origin;
- Opinions, evaluations, comments, social status, or disciplinary actions; and
Capital Concepts collects personal information only for the following reasons:
- To provide the products or services that you have requested and maintain commercial relations with you;
- To understand your needs and recommend products and services accordingly;
- To meet legal and regulatory requirements.
We will not use your personal information for any other reason without your consent and will only share your information with third parties to assist in completing the above uses. Any third party's use must adhere to our privacy policies or be allowed by the legislation. Examples would be a law enforcement agency or emergency services.
We may from time to time use certain information commonly called cookies on your computer to save you time as a Visitor and User of our website. We do not collect personal information in this fashion. If you do not wish this convenience, your browser will likely enable you to reject cookies.
Capital Concepts is accountable for all personal information in its possession, including any personal information disclosed to third parties for processing or other administrative functions.
Capital Concepts shall identify the purpose for which personal information is collected before collecting it.
Capital Concepts shall obtain consent for all personal information collected, used or disclosed by Capital Concepts unless such collection or use is inappropriate, or permitted by law.
Personal information collected shall be limited to information that is necessary for the purposes identified by Capital Concepts and be collected by fair and lawful means.
Limiting Use, Disclosure and Retention
Personal information collected by Capital Concepts, shall not be used or disclosed for purposes other than those for which it was collected, except with the consent of the individual or as required or permitted by law. Personal information shall be retained only as long as necessary for the fulfillment of those purposes.
Personal information shall be as accurate, complete, and up-to-date as is necessary to fulfill the purposes for which it is to be used. We will use our best efforts to keep your information up-to-date.
Capital Concepts shall safeguard your information against unauthorized access, disclosure, copying, use or modification.
Capital Concepts shall make information available, to its clients and employees, about the policies and practices that apply to the management of their information.
Upon request, an individual shall be informed of the existence, use and disclosure of their information, and shall be given access to it. An individual will be given reasonable access to their information and may correct any personal information if its accuracy and completeness is challenged and found to be deficient.
An individual shall be able to challenge compliance with the above privacy principles. Capital Concepts shall investigate all complaints in a timely manner.