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Privacy Policy

West One Capital Group Inc. is committed to protecting your personal information and being transparent about how we collect, use, and share it — including through AI-powered communications.

Last Updated: March 17, 2026

This Privacy Policy is provided by West One Capital Group Inc.. Your privacy is important to us, and we handle your personal information with the highest standards of care and confidentiality — including information exchanged through our AI-powered communication systems.

Introduction

West One Capital Group Inc. ("Company," "we," "us," or "our") values your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website (the "Site"), interact with our services, or communicate with us—including through artificial intelligence (AI)-powered text messages, phone calls, and emails.

If you have questions or concerns about this policy, please contact us at: **Email:** teamfreedom@westonecap.com

1. Information We Collect

We collect information to provide better services to our users. The types of information we collect include:

1.1. Information You Provide Directly

Contact Information: Name, address, phone number, email address, and other contact details.

Application Data: Information you provide when applying for a mortgage, such as employment, income, financial, and credit information.

Communications: Records of your correspondence with us, including via email, phone, text, or through our website forms.

Payment Information: If applicable, payment card details or bank account information for processing transactions.

1.2. Information Collected Automatically

Log Data: IP address, browser type, operating system, access times, and referring website addresses.

Usage Data: Information about your use of the Site, including pages viewed, links clicked, and other actions.

Cookies & Similar Technologies: We use cookies and related technologies to recognize you and customize your experience (see Section 5).

Device Information: Information about the device you use to access our Site, including hardware model, operating system, and mobile network information.

1.3. Information from AI-Powered Communications

We may collect, record, or transcribe information exchanged via AI-powered text messages, phone calls, emails, or chatbots. These communications may include personal information you provide during interactions with our automated systems.

1.4. Information from Third Parties

We may receive information about you from third parties, such as credit bureaus, identity verification services, and other service providers necessary for processing your mortgage application.

2. How We Use Your Information

We use your information for purposes including, but not limited to:

Processing Applications: To process and evaluate your mortgage application or other service requests.

Communications: To contact you about your application, account, or other inquiries, including through AI-powered or automated systems (see Section 6).

Personalization: To personalize your experience and deliver relevant content, services, and offers.

Improvement: To improve our Site, products, and services, including training and enhancing our AI systems.

Compliance: To comply with legal and regulatory requirements and respond to lawful requests or legal processes.

Security: To detect, prevent, and address technical issues, fraud, or other misuse.

Marketing: To send you promotional materials and information about our products and services, subject to your consent where required by law.

Analytics: To analyze trends, administer the Site, track user movements, and gather demographic information.

3. How We Share Your Information

We may share your information as follows:

With Service Providers: With trusted service providers who assist us in operating our Site, processing applications, or providing other services on our behalf (including providers of AI communications technology). These providers are contractually obligated to protect your information.

With Financial Institutions: With lenders, investors, and other financial institutions involved in processing your mortgage application or loan.

Legal Requirements: As required by law, regulation, legal process, or governmental request.

Business Transfers: In connection with a merger, acquisition, sale of assets, or similar business transfer.

With Your Consent: With other parties at your direction or with your explicit consent.

To Protect Rights: When we believe disclosure is necessary to protect our rights, your safety, or the safety of others, investigate fraud, or respond to a government request.

We do not sell your personal information to third parties for marketing purposes.

4. Data Security

We implement appropriate technical and organizational measures to protect your information from unauthorized access, use, alteration, or disclosure. These measures include:

**Encryption** of sensitive data during transmission and storage.

**Regular security assessments** and updates to our systems and processes.

**Access controls** and authentication procedures limiting access to authorized personnel.

**Employee training** on data protection practices and privacy awareness.

Despite these efforts, no method of electronic transmission or storage is 100% secure, and we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of your account credentials.

5. Cookies and Tracking

Our website may use cookies and similar tracking technologies to enhance your browsing experience and improve our services.

What Are Cookies: Cookies are small data files placed on your device when you visit our Site. They help us recognize your browser, remember your preferences, and understand how you interact with our content.

Types of Cookies We Use:

Essential Cookies: Necessary for the Site to function properly. These cannot be disabled as they are required for core functionality such as form submissions and navigation.

Analytics Cookies: Help us understand how visitors interact with our Site by collecting and reporting information anonymously, enabling us to improve performance.

Functional Cookies: Allow the Site to remember choices you make (such as your preferred language or region) to provide a more personalized experience.

Marketing Cookies: Used to deliver relevant advertisements and track the effectiveness of our marketing campaigns.

Managing Cookies: You can control or disable cookies through your browser settings at any time. Please note that disabling certain cookies may impact the functionality of our Site. Most browsers allow you to refuse cookies, delete existing cookies, or receive a warning before a cookie is stored.

Do Not Track: Some browsers transmit "do not track" signals. We currently do not respond to these signals, but we will update this policy if our practices change.

6. AI-Powered Communications

West One Capital Group Inc. may use artificial intelligence (AI) technology to communicate with you via text messages, phone calls, emails, or chatbots. By interacting with our AI-powered systems, you acknowledge and agree to the following:

Automated Interactions: Some communications you receive from us may be generated or facilitated by AI systems rather than a human representative. These may include appointment reminders, application status updates, follow-up messages, and responses to common inquiries.

Recording and Transcription: AI-powered phone calls or voice interactions may be recorded and/or transcribed for quality assurance, training, and compliance purposes, subject to applicable law.

Opt-Out Rights: You may opt out of AI-powered text communications at any time by replying STOP to any text message. For other AI communications, please contact us at teamfreedom@westonecap.com.

Human Escalation: You always have the right to request to speak or communicate with a human representative. Simply let our AI system know or contact us directly at teamfreedom@westonecap.com.

7. Your Privacy Rights

Depending on your location and applicable law, you may have certain rights regarding your personal information:

Right to Access: You may request a copy of the personal information we hold about you.

Right to Correction: You may request that we correct inaccurate or incomplete personal information.

Right to Deletion: You may request that we delete your personal information, subject to certain legal exceptions.

Right to Opt-Out: You may opt out of certain uses of your information, including marketing communications.

Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

California Residents: If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect, the right to delete that information, and the right to opt out of its sale. We do not sell personal information.

To exercise any of these rights, please contact us at teamfreedom@westonecap.com. We will respond to verified requests within the timeframes required by applicable law.

9. Children's Privacy

Our Site and services are not directed to individuals under the age of 13. We do not knowingly collect personal information from children under 13. If you are a parent or guardian and believe your child has provided us with personal information without your consent, please contact us immediately at teamfreedom@westonecap.com. We will take steps to delete such information as soon as reasonably practicable.

10. Changes to This Privacy Policy

West One Capital Group Inc. reserves the right to update or modify this Privacy Policy at any time. When we make material changes, we will revise the "Last Updated" date at the top of this policy and post the updated version on our Site.

We encourage you to review this Privacy Policy periodically to stay informed about how we protect your information. Your continued use of our Site or services after any changes constitutes your acceptance of the updated policy. If changes are significant, we may provide additional notice such as an email notification or a prominent notice on our homepage.

11. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us:

West One Capital Group Inc.

Email: teamfreedom@westonecap.com

We will respond to your privacy-related inquiries within a reasonable timeframe. For requests related to your legal rights, we will respond within the timeframes required by applicable law.

Questions About Your Privacy?

Our team is here to help. Reach out with any questions or requests related to your personal information.