Privacy Policy

818 Capital Partners (“818 Capital,” “we,” “us,” or “our”) is a real estate finance brokerage, NMLS ID #2832335, that arranges DSCR rental, fix & flip, short-term rental, and multifamily investment property financing across 48 states.

This policy explains what we collect when you visit our website, submit a deal, text or call us, or work with us through closing — and what we do with it. It applies to information collected through www.818capitalpartners.com, our SMS programs, our email programs, and our loan-origination workflow.

We only collect information that's useful for evaluating, communicating about, or closing a real estate financing transaction.

From you, when you submit a deal or contact us

• Name, email, phone number, role (investor / broker), and time-zone preference.
• Property address, state, ZIP, value, requested loan amount.
• Deal-specific financials (rent, rehab budget, ARV, NOI, units, FICO range, experience level).
• Free-text notes you choose to share (timeline, prior rejections, partner info).

Automatically, when you visit the site

• IP address, browser/device type, referrer, and pages viewed.
• Cookies and similar technologies used by Google Analytics and our paid-media partners (Meta, LinkedIn) to measure ad performance.

From our service providers

• Call and text records (transcripts, durations, timestamps) from OpenPhone, our business phone provider.
• Public-record property data, credit-report data (only when you authorize a soft or hard pull), and lender-side decisions during loan shopping.

• Underwrite and triage your deal (DSCR/LTC/LTV/cap-rate analysis and program matching).
• Contact you about your file by phone, email, and — if you've opted in — SMS.
• Shop your file to capital partners (private lenders, agency lenders, banks) who may be a fit. We share only the information necessary for those lenders to issue a term sheet.
• Communicate post-closing servicing handoffs (insurance, title, escrow).
• Improve our website, materials, and underwriting models in aggregate, non-identifiable form.
• Comply with applicable laws (BSA/AML/OFAC, fair-lending rules, state-licensing requirements).

We do not sell your personal information to data brokers, list vendors, or advertising networks.

We use SMS to communicate with borrowers and brokers about active loan files — status updates, missing-document reminders, scheduling, and replies to your inquiries. Participation is always opt-in and always optional.

What you'll receive

• Conversational replies when you text or call us first.
• Transactional updates on your loan file (status changes, missing docs, appointment reminders).
• We do not send unsolicited marketing or promotional SMS.

How you opt in

By checking the SMS-consent box on our loan application, by texting us directly, or by giving us verbal consent during a call (which we document). Opt-in is express and is not a condition of any loan or service.

Frequency, rates, and opt-out

• Message frequency varies — typically 1–3 messages per week during an active loan file, lower otherwise.
• Message and data rates may apply, based on your mobile carrier's plan.
• Reply STOP at any time to unsubscribe. We'll send a one-time confirmation and stop further messages.
• Reply HELP to receive our business name and contact information.
• Reply START to resume after a prior opt-out (only valid if you previously opted in).

Mobile information sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Carriers (T-Mobile, AT&T, Verizon, etc.) are not liable for delayed or undelivered messages.

• Capital partners — when shopping your file. They receive only what's needed to underwrite (deal numbers, sponsor profile). We do not pre-shop your file without a reasonable belief you want to proceed.
• Service providers — phone (OpenPhone), email (Brevo, Google Workspace), CRM (Monday.com, Supabase, Salesforce), analytics (Google Analytics), document storage (OneDrive). All are contractually bound to confidentiality.
• Title, escrow, insurance, and appraisal vendors — when your file moves into closing.
• Regulators and law enforcement — when required by law (subpoena, BSA/AML reporting, fair-lending audits).

As a real-estate finance broker, we are subject to the federal Gramm-Leach-Bliley Act (GLBA) and its Safeguards Rule. We treat your non-public personal financial information (NPI) as confidential, restrict internal access on a need-to-know basis, and maintain administrative, technical, and physical safeguards including encryption-in-transit (TLS 1.2+), access controls on our underwriting systems, and a written information-security program.

If we materially change how we share NPI, we'll send you a revised GLBA notice and give you a chance to opt out where applicable.

We use Google Analytics to understand which loan products visitors find most useful, and Meta and LinkedIn pixels to measure paid-ad performance. You can disable cookies in your browser, install the Google Analytics opt-out, or use a browser's tracking-protection mode. Functional cookies (session, CSRF) cannot be disabled.

You may, at any time:

• Request a copy of the personal information we hold about you.
• Ask us to correct inaccurate information.
• Ask us to delete your information (subject to record-retention obligations under federal banking and state-licensing rules — typically 36 months minimum on loan files).
• Withdraw consent to SMS (reply STOP) or email marketing (use the unsubscribe link).
• Opt out of the “sale” or “sharing” of personal information — though, as noted, we do not sell.

California residents (CCPA/CPRA) have additional rights including the right to know the categories of information collected and to direct deletion. Submit any request to deals@818capitalpartners.com with “Privacy Request” in the subject line. We'll respond within 45 days.

We retain loan-file information for the longer of: (a) the period required by federal banking and state-licensing record-retention rules (typically three years after loan closing or last action on a declined file), and (b) the period needed to defend against any legal claims. Aggregated, de-identified analytics may be retained indefinitely.

Our services are not directed to anyone under 18. We do not knowingly collect information from children. If you believe a child has submitted information, contact us and we'll delete it.

We'll update this page when our practices change. Material changes — particularly to how we share NPI — will be communicated by email to active clients. The “Effective” date at the top of the page reflects the most recent revision.

Privacy questions, requests, or concerns: