Disclosures & Privacy Policy for CapitalFinancialUSA.com

Effective Date: January 1, 2024

Investment Advisory services offered through Capital Financial Advisory Group, LLC. Capital Financial Advisory Group and Capital Financial & Insurance are affiliated. Important information: Capital Financial Advisory Group, LLC provides general information on this website, not individually targeted personalized advice. Advice from Capital Financial Advisory Group, LLC found on this site does not take into account any investor’s particular investment objectives, financial situation and personal needs. Investors should assess for themselves whether the advice is appropriate to their individual investment objectives, financial situation and particular needs before making any investment decision on the basis of such general advice. Investors can make their own assessment of the advice or seek the assistance of a professional adviser with Capital Financial Advisory Group LLC. Investing entails some degree of risk. Investors should inform themselves of the risks involved before engaging in any investment. Capital Financial Advisory Group, LLC endeavors to ensure accuracy and reliability of the information provided but does not accept any liability whatsoever, whether in tort or contract or otherwise, for any loss or damage arising from the use of Capital Financial Advisory Group, LLC data and systems. Past performance is not necessarily indicative of future results. Information and advice provided here is not an offer to buy or sell securities. Before commencing an investment program we recommend you seek independent professional legal, tax and investment advice as to whether it is suitable for your particular needs and circumstances. Failure to seek detailed professional, personally tailored advice prior to acting could lead to you acting contrary to your own best interests and could lead to losses of capital. The information received by subscribers is for their personal use. Investing involves a great deal of risk, including the loss of all or a portion of your investment, as well as emotional distress. Nothing contained herein should be construed as a warranty of investment results. All risks, losses and costs associated with investing, including total loss of principal, are your responsibility. All information provided or contained in this Web site is the property of Capital Financial Advisory Group, LLC, and should not be reproduced, copied, redistributed, transferred, or sold without the prior written consent of Capital Financial Advisory Group, LLC. All rights reserved. Before deciding on an annuity, you should consider your income needs, risk tolerance and investment objectives. Capital Financial & Insurance, LLC can help you decide if annuities are a suitable investment and can help you pick the correct annuity. Guarantees are subject to the claims paying ability of the annuity provider. They do not apply to the investment performance or safety of the underlying investment options. Please note any annuity is not a deposit, not FDIC or NCUSIF insured, not guaranteed by Capital Financial & Insurance, not insured by any federal government agency and could lose value. Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any comments regarding safe and secure investments, and guaranteed income streams refer only to fixed insurance products. They do not refer, in any way to securities or investment advisory products. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company.

SmartVestor™ is an advertising service for investing professionals operated by The Lampo Group, LLC d/b/a Ramsey Solutions (RS). When you provide your contact information through the SmartVestor site, RS will introduce you to up to five investing professionals (“Pros”) that are in your geographic area. It is up to you to interview the Pros and decide whether you want to hire them. If you decide to hire a Pro, you will enter in an agreement directly with that Pro to provide you with investment advisory services. The Pros sign a Code of Conduct under which they agree to certain general investment principles, such as eliminating debt and investing for the longer-term, that are consistent with the Dave’s philosophy, but RS does not monitor or control the investment advisory services the Pros provide. The Pros have entered into an arrangement with RS under which they pay RS a flat monthly fee to advertise their services in the SmartVestor Program and receive contact information for prospective investment advisory clients. The fees paid by the SmartVestor Pros to RS are paid irrespective of whether you become a client of a Pro that advertises through SmartVestor, and are not passed along to you. However, the presence of these arrangements may affect a Pro’s willingness to negotiate below its standard investment advisory fees, and therefore may affect the overall fees paid by clients introduced by RS through SmartVestor. Please ask your Pro for more information about their fees. RS is not affiliated with any Pros and neither RS nor any of its representatives are authorized to provide investment advice on behalf of a Pro or to act for or bind Pro. No investment advisory agreement with Pro will become effective until accepted by such Pro. Neither Ramsey Solutions nor its affiliates are engaged in providing investment advice. Ramsey Solutions does not receive, control, access or monitor client funds, accounts, or portfolios. Ramsey Solutions does not warrant any services of any SmartVestor Pro and makes no claim or promise of any result or success of retaining a SmartVestor Pro. Your use of SmartVestor, including the decision to retain the services of any SmartVestor Pro, is at your sole discretion and risk. Any services rendered by SmartVestor Pros you contact are solely that of the SmartVestor Pro. The contact links provided connect to third-party sites. Ramsey Solutions and its affiliates are not responsible for the accuracy or reliability of any information contained on third-party websites.

At CapitalFinancialUSA.com ("we", "us", "our"), we are committed to protecting your privacy and ensuring that your personal information is handled in a safe and responsible manner. This Privacy Policy outlines how we collect, use, disclose, and safeguard your information when you visit our website, interact with our services, and communicate with us. Please read this policy carefully to understand our views and practices regarding your personal data and how we treat it.

1. Information We Collect

We may collect and process the following data:

a. Personal Information
When you fill out forms on our website or contact us directly, we may collect personal data such as:

  • Name
  • Email address
  • Phone number
  • Company name
  • Address

b. Technical Information
We collect information about your visit to our site, such as:

  • IP address
  • Browser type and version
  • Time zone settings
  • Pages viewed and actions on the website

c. Cookies
We use cookies to improve your experience on our website. You can manage your cookie preferences via your browser settings.

2. How We Use Your Information

We use the information we collect to:

  • Provide you with the services you request.
  • Communicate with you about new services, updates, or promotional offers.
  • Improve our website's functionality and enhance your user experience.
  • Handle customer inquiries and support requests.
  • Comply with legal obligations.

3. Calling and Texting Policy

By providing your phone number on BroadcastingExperts.com, you agree to be contacted by phone call or text message (SMS) regarding your inquiries, services, or promotional offers.

  • Consent to Contact: By submitting your phone number, you expressly consent to receive phone calls and text messages from us. This includes automated or pre-recorded calls and messages.
  • Opting Out: You may opt out of receiving marketing texts or calls at any time by responding with "STOP" or by contacting us directly via email or phone.
  • Standard Rates: Standard messaging and data rates from your mobile carrier may apply. BroadcastingExperts.com is not responsible for these charges.
  • By texting a keyword to short code 600700, you consent to receive one or more automated texts at the phone number from which you texted.
  • We will not be liable for any delays in the receipt of any SMS messages as delivery is subject to effective transmission from your mobile service operator. SMS MESSAGE SERVICES ARE PROVIDED ON AN “AS IS” BASIS, AND WE MAKE NO WARRANTY, EXPRESS OR IMPLIED, AND ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR PARTICULAR PURPOSE, ARE HEREBY EXPRESSLY DISCLAIMED.
  • Data obtained from you in connection with this SMS service may include your cell phone number, your carrier’s name, and the date, time and content of your messages, as well as other information that you provide. We may use this information to contact you and to provide the services you request from us.
  • By subscribing, you consent to receive text messages including alerts and updates. Up to 3 messages / month.
  • By subscribing or otherwise using the service, you acknowledge and agree that we will have the right to change and/or terminate the service at any time, with or without cause and/or advance notice.
  • To cancel your SMS subscriptions, text STOP to 600700 in reply to a text message you receive. You may receive a subsequent message confirming your opt-out request.
  • For additional help, text HELP to 600700 in reply to a text message you receive.
  • Message and Data Rates May Apply.
  • T-Mobile® is not liable for delayed or undelivered messages.
  • United States Participating Carriers Include AT&T, T-Mobile®, Verizon Wireless, Sprint, Boost, U.S. Cellular®, MetroPCS®, InterOp, Cellcom, C Spire Wireless, Cricket, Virgin Mobile and others.
  • Program Availability: Currently, the Program is only available to residents of the United States. You understand and acknowledge that you may not sign up for, access, or attempt to access or use the Program from countries outside of the U.S. You agree to abide by U.S. and other applicable export control laws and not to transfer, by electronic transmission or otherwise, any content or software subject to restrictions under such laws to a national destination or person prohibited under such laws. Questions / Support: You can contact us at accounts@broadcastingexperts.com at any time, from your mobile phone, send a text message with the word “HELP” to 600700. You may also call our toll free support line: (800) 991-7060.

4. How We Share Your Information

We do not sell, rent, or trade your personal information. We may share your data in the following scenarios:

  • Third-party service providers: To help with business operations, such as web hosting, payment processing, or marketing.
  • Legal obligations: If required by law, we may share your data with government authorities or other relevant parties.
  • Business Transfers: In the event of a merger, acquisition, or asset sale, your information may be transferred.

5. Data Retention

We will retain your information for as long as is necessary to fulfill the purposes outlined in this Privacy Policy or as required by law. After this period, we will securely delete your personal data.

6. Security of Your Information

We take appropriate measures to protect your information from unauthorized access, use, alteration, or destruction. While we strive to protect your data, no transmission over the internet is 100% secure, and we cannot guarantee the security of your data transmitted to our site.

7. Your Data Rights

You have the right to:

  • Access your personal information: Request a copy of the data we hold about you.
  • Correct or update your information: Contact us to update any inaccurate or incomplete information.
  • Delete your information: Request that we erase your personal data, where applicable.
  • Opt-out of marketing: At any time, you can opt out of receiving marketing emails or texts by following the unsubscribe instructions.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If we become aware that we have collected information from a minor, we will take steps to delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the effective date will be updated. We encourage you to review this policy periodically.

10. Contact Us

If you have any questions about this Privacy Policy, please contact us at:

  • Email: info@capitalfinancialusa.com
  • Phone: (919) 657-4201
  • Mailing Address: 1500 Town Side Dr, Ste 201, Apex, NC 27502