1. Introduction

Allstate Capital Group (“we,” “our,” or “us”) is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or communicate with us, including through SMS/text messaging.

Company Information:

• Business Name: Allstate Capital Group
• Address: 1600 Boston Providence Highway, Walpole, MA 02081
• Phone: (800) 345-9740
• Website: www.allstatecapitalgroup.com

2. Information We Collect

2.1 Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Financial Information: Credit history, income information, bank account details, tax information, business financial statements
• Business Information: Company name, business structure, ownership information, business tax ID
• Property Information: Property address, property value, intended use, current ownership details
• Identification Information: Government-issued ID, Social Security Number, driver’s license information
• Transaction Information: Loan application details, payment history, account balances

2.2 Automatically Collected Information

When you access our website or services, we automatically collect:

• IP address and device information
• Browser type and version
• Operating system
• Pages visited and time spent
• Referring website addresses
• Cookies and similar tracking technologies

2.3 Information from Third Parties

We may receive information from:

• Credit bureaus and reporting agencies
• Public records and government databases
• Business partners and service providers
• Real estate appraisers and inspectors
• Title companies and attorneys

3. How We Use Your Information

We use your personal information for the following purposes:

3.1 Primary Business Purposes

• Processing and evaluating loan applications
• Underwriting and credit decisions
• Servicing and managing your loan or account
• Communicating with you about your application or account
• Conducting risk assessments and fraud prevention
• Complying with legal and regulatory requirements

3.2 Marketing and Communications

• Sending promotional materials about our services
• Providing updates about new loan products
• Conducting market research and surveys
• Sending service announcements and updates
• SMS/Text Messaging: Sending account alerts, payment reminders, loan updates, and promotional messages (with your consent)

3.3 Business Operations

• Improving our website and services
• Analyzing trends and customer preferences
• Maintaining security and preventing fraud
• Training staff and quality assurance
• Legal compliance and dispute resolution

4. SMS/Text Messaging Program

4.1 Consent to Receive Text Messages

By providing your mobile phone number and opting in, you consent to receive text messages from Allstate Capital Group, including:

• Account notifications and alerts
• Payment reminders and due date notifications
• Loan status updates and approval notifications
• Customer service messages
• Marketing and promotional messages (if separately consented)

4.2 Message Frequency

Message frequency varies based on your account activity and preferences. You may receive up to 10 messages per month for transactional messages and up to 4 messages per month for marketing messages.

4.3 Opt-Out Instructions

You can opt out of text messages at any time by:

• Texting “STOP” to any message you receive from us
• Contacting us at (800) 345-9740
• Emailing us with your opt-out request

After opting out, you will receive one final confirmation message. You may continue to receive important account-related messages required by law or contract.

4.4 Help and Support

For help with text messages, text “HELP” to any message or contact us at (800) 345-9740.

4.5 Message and Data Rates

Message and data rates may apply based on your mobile carrier’s plan. We do not charge for text messages, but your carrier’s rates apply.

4.6 Supported Carriers

Our SMS program is supported by all major U.S. carriers. Carriers are not liable for delayed or undelivered messages.

5. How We Share Your Information

5.1 Service Providers

We share information with third-party service providers who assist us with:

• Loan processing and underwriting
• Credit reporting and verification
• Payment processing
• IT services and data storage
• Marketing and communications (including SMS service providers)
• Legal and compliance services

5.2 Business Partners

We may share information with:

• Co-lenders and loan participants
• Secondary market investors
• Real estate professionals
• Title companies and closing agents
• Insurance providers

5.3 Legal Requirements

We disclose information when required by:

• Court orders or legal process
• Government or regulatory authorities
• Law enforcement agencies
• Compliance with applicable laws and regulations

5.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5.5 With Your Consent

We may share information for other purposes with your explicit consent.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Secure data storage and access controls
• Regular security assessments and audits
• Employee training on data protection
• Multi-factor authentication for sensitive systems

However, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Data Retention

We retain your personal information for as long as necessary to:

• Fulfill the purposes described in this Privacy Policy
• Comply with legal and regulatory requirements (typically 7 years for financial records)
• Resolve disputes and enforce our agreements
• Maintain business records and analytics

8. Your Privacy Rights

Depending on your location, you may have the following rights:

8.1 Access and Correction

• Request access to your personal information
• Request correction of inaccurate information
• Request a copy of your data

8.2 Deletion and Restriction

• Request deletion of your personal information (subject to legal retention requirements)
• Request restriction of processing in certain circumstances

8.3 Opt-Out Rights

• Opt out of marketing communications (email, SMS, phone)
• Opt out of certain data sharing practices
• Disable cookies through browser settings

8.4 California Residents

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know, delete, and opt-out of the sale of personal information.

To exercise these rights, contact us at (800) 345-9740 or via our website.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read their privacy policies.

10. Children’s Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children.

11. International Data Transfers

We primarily operate in the United States. If you access our services from outside the U.S., your information may be transferred to and processed in the U.S.

12. Updates to This Privacy Policy

We may update this Privacy Policy periodically. We will notify you of material changes by:

• Posting the updated policy on our website
• Sending email or text message notifications
• Updating the “Last Updated” date

Your continued use of our services after changes constitutes acceptance of the updated policy.

13. Contact Information

For questions about this Privacy Policy or our privacy practices, contact us:

Allstate Capital Group
1600 Boston Providence Highway
Walpole, MA 02081
Phone: (800) 345-9740
Email: privacy@allstatecapitalgroup.com
Website: www.allstatecapitalgroup.com

14. Regulatory Compliance

We comply with applicable privacy laws and regulations, including:

• Gramm-Leach-Bliley Act (GLBA)
• Fair Credit Reporting Act (FCRA)
• Telephone Consumer Protection Act (TCPA)
• CAN-SPAM Act
• State privacy laws (including CCPA)

15. Special Notice for SMS/Text Messaging Compliance

This SMS program complies with:

• TCPA (Telephone Consumer Protection Act)
• CTIA Messaging Principles and Best Practices
• Mobile Marketing Association Guidelines
• Carrier requirements for A2P messaging

By participating in our SMS program, you certify that you are the subscriber or authorized user of the mobile phone number provided.