Guiding You to Financial Success.

Effective Date: January 1, 2026

1. Information We Collect

Financial Capital Security ("we," "our," or "us") collects information you provide directly to us, including:

• Personal identification information (name, email address, phone number, mailing address)
• Financial information (income, assets, debts, credit history)
• Account credentials and security information
• Communication preferences and history

2. How We Use Your Information

We use the information we collect to:

• Process your loan applications and provide financial services
• Communicate with you about your accounts and our services
• Send promotional materials (with your consent)
• Improve our services and develop new offerings
• Comply with legal and regulatory requirements

3. Information Sharing

We may share your information with:

• Service providers who assist in our operations
• Financial partners for loan processing and verification
• Regulatory authorities as required by law
• Third parties with your explicit consent

4. Data Security

We implement industry-standard security measures including encryption, firewalls, and secure data centers to protect your information. However, no method of transmission over the Internet is 100% secure.

5. Your Rights

You have the right to:

• Access and update your personal information
• Opt-out of marketing communications
• Request deletion of your data (subject to legal requirements)
• Request a copy of your data

6. Contact Us

For questions about this Privacy Policy, contact us at:

Financial Capital Security
660 Monroe Street, Houston, TX 77026
Phone: +1 713-418-0225
Email: info@financialcapitalsecurity.com

Effective Date: January 1, 2026

1. Acceptance of Terms

By accessing and using the services of Financial Capital Security ("PFS"), you agree to be bound by these Terms and Conditions. If you do not agree with any part of these terms, you may not use our services.

2. Services Description

PFS provides financial services including but not limited to:

• Loan services (personal, home, auto, business, education, and other lending products)
• Insurance products and warranty services
• Investment advisory services
• Financial consulting and planning services

3. Eligibility

To use our services, you must:

• Be at least 18 years of age
• Have legal capacity to enter into binding agreements
• Provide accurate and complete information
• Meet credit and income requirements for loan products

4. Loan Terms

Loan approval is subject to credit approval and verification of information provided. Interest rates, terms, and conditions vary based on creditworthiness and loan type. All loans are subject to applicable federal and state regulations.

5. Interest Rates and Fees

Interest rates are determined based on market conditions, your credit profile, and loan specifics. All applicable fees will be disclosed in your loan agreement. Late payments may result in additional charges and affect your credit score.

6. Privacy

Your use of our services is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

7. Limitation of Liability

PFS shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of our services. Our total liability shall not exceed the amount of fees paid by you in the twelve months preceding any claim.

8. Intellectual Property

All content on our website and materials, including logos, text, graphics, and software, is the property of PFS and protected by intellectual property laws.

9. Changes to Terms

We reserve the right to modify these Terms at any time. Continued use of our services after changes constitutes acceptance of the new Terms.

10. Governing Law

These Terms shall be governed by the laws of the State of Texas, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Harris County, Texas.

11. Contact Information

For questions about these Terms, contact us at:

Financial Capital Security
660 Monroe Street, Houston, TX 77026
Phone: +1 713-418-0225
Email: info@financialcapitalsecurity.com