Privacy Policy
Updated and effective September 15, 2024
At CapexMD, we are committed to supporting you during your fertility journey. Our mission is to increase access to fertility treatment through products and services that make treatment affordable. We know how stressful the fertility journey can be, and we strive to reduce that stress by providing compassionate and affordable services.
Further, we value your privacy. This Privacy Policy (“Policy”) describes the information we collect when you access or use our website https://www.capexmd.com and related services (“Services”) and how we use, disclose, and protect this information. Your access and use of our Services indicate your consent to the terms of this Policy.
The chart belows offers a summary of our privacy practices, followed by more detailed information.
| Facts |
What does CapexMD do with your personal information? |
|---|---|
| Why? |
Financial companies choose how they share your personal information. CapexMD gives consumers the right to limit some but not all sharing. This notice tells you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? |
The types of personal information we collect and share depend on the product or service you have with us. This information can include:
When you are no longer our customer, we continue to share your information as described in this notice. |
| How? |
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons CapexMD chooses to share; and whether you can limit this sharing. |
| Questions? |
Contact CapexMD at [email protected] or 888‑497‑8414. |
| Reasons we can share your personal information | Does CapexMD share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes—such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes—to offer our products and services to you | Yes | No |
| For our affiliates’ everyday business purposes— information about your transactions and experiences | No | We don’t share |
| For joint marketing with other financial companies | No | We don’t share |
| For our affiliates’ everyday business purposes— information about your creditworthiness | No | We don’t share |
| For our affiliates to market to you | No | We don’t share |
| Who we are | |
|---|---|
| Who is providing this notice? |
CapexMD, LLC |
| What we do | |
| How does CapexMD protect my personal information? |
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. |
| How does CapexMD collect my personal information? |
We collect your personal information, for example, when you:
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can’t I limit all sharing? |
Federal law gives you the right to limit only:
State laws and individual companies may give you additional rights to limit sharing. |
| Definitions | |
| Affiliates |
Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates |
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing |
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
Information We Collect
Information You Provide
In order for us to provide you with our Services, we may ask you to provide us with or collect from third party sources, certain information, including:
- your name, location, and your contact information (such as your email address, phone number, billing and physical addresses, and your account password);
- identification information including your social security number
- demographic and geographic data (including gender, date of birth, and your zip code);
- financial and payment information (such as your income, other debt obligations, credit or debit card number, bank account routing number, and billing and shipping address); and
- your fertility provider and clinic name.
We may, as needed, share this information with any healthcare providers (e.g. clinics, pharmacy partners, etc.) that you list on your loan application or loan contract with us. We may also share information about your loan such as credit decision (approval), loan amount and disbursement details.
If you communicate with us by, for example, email, telephone, online form, or letter, any information provided in such communication may be collected.
Information from Local Storage and Similar Technologies
We use local storage and may use other tracking technologies on our Services. Local storage is a file created by a website on your device used to retain data on your device across visits to the same website (browser cookies). Local storage helps us track and target the interests of our users to enhance their experience with our Services. Some of our business partners may use cookies, local storage or similar technologies on our Services. However, we have no access to or control over these technologies. For information about how to opt-out of or manage certain use of local storage and other technologies, please see the Your Privacy Options section below.
How We Use, Share, and Retain Your Personal Information
We retain your personal information for as long as necessary to fulfill the purposes for which we collect it, such as to provide you with the service you have requested, and for the purpose of satisfying any legal, accounting, contractual, or reporting requirements that apply to us.
CapexMD may use the information we gather in the following ways:
Communications
We will communicate with you if you’ve provided us the means and information to do so. For example, if you’ve given us your email address, we may in rare instances send you promotional email offers or email you about your use of the Services. If you do not want to receive promotional emails from us, please indicate your preference by opting-out via the links below. Please note, if you opt-out of receiving our promotional emails, you may still receive transactional-related emails from us.
Improve and provide our services
When you register for our Services, we use that information you provide us to create and maintain your account. The information we collect also helps us improve, enhance, personalize, and promote our website, products, and services. You understand and agree that as part of the registration process that we will use the information you provide to verify your eligibility to use our Services including third parties.
Surveys
From time-to-time we may conduct surveys. The information will be used, for example, to monitor and improve our Services and to rate your satisfaction with our services. Those surveys may also include asking questions related to new services and opportunities in the fertility industry. All participants in surveys will be noted as anonymous.
We may disclose the information we collect, including in the following ways:
Vendors & Service Providers
From time to time we may employ other companies and people to perform tasks on our behalf and need to share your information with them to provide our Services to you; for example, we use a payment processing company to receive and process your credit card transactions for us. In addition, we may use third party analytics vendors to evaluate and provide us with information about your use of our Services. These analytics service providers may set and access their own cookies, pixel tags and similar technologies on our Services and they may otherwise collect information about you over time and across different online services.
Aggregate Data
We may de-identify your information and process, use, and share it in an anonymous and aggregated form for other purposes than described above.
Business and Asset Transfers
Although we do not do this today, we may choose to buy or sell assets, and may share and/or transfer your information in connection with the evaluation of and entry into such transactions. Also, if our company (or our assets) are acquired, or if we go out of business, enter bankruptcy, or go through some other change of control, your information could be one of the assets transferred to or acquired by a third party.
As Required by Law and Similar Disclosures
We reserve the right to access, use, preserve, transfer, or disclose, at any time without notice to you, any information as reasonably necessary to:
- enforce this Policy or our Terms of Use, including investigating any potential violations;
- detect, prevent, or otherwise address fraud, security, or technical issues related to our Services or those of our business partners;
- comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental requests or regulatory investigation and to cooperate with law enforcement, if we believe such action is required or permitted by law;
- protect the safety, integrity, rights, or security of our users, our Services or equipment, or any third party.
Your Privacy Options
You may opt-out of receiving our marketing emails, change or correct your information, or express your concern about the use of your information at any time. To do so, please contact us.
Many web browsers allow you to manage your preferences relating to tracking technologies. For example, you can set your browser to refuse cookies or delete certain cookies. You may be able to manage other technologies in the same way that you manage cookies using your browser’s preferences. Additionally, you can delete your cache, browser history, stored password, and other browser storage that will remove any local storage. Please note that if you choose to block tracking technologies, doing so may impair the use of our Services.
If you prefer to not receive targeted advertising, you may be able to opt-out of some network advertising programs that use your information. To do so please visit the Digital Advertising Alliance (“DAA”) Opt-Out Page at www.aboutads.info/choices and the Network Advertising Initiative Opt-Out Page at www.networkadvertising.org/choices/. These Opt-Out Pages provides tools identify their member companies that have cookies on your browser and provides links to those companies. Please note that even if you choose to remove your information (opt-out), you will still see advertisements. Additionally, many network advertising programs allow you to view and manage the interest categories they have compiled from your online browsing activities. These interest categories help determine the types of targeted advertisements you may receive.
We do not respond to Do Not Track (DNT) signals because we have not adopted a DNT standard. When you use our website, third parties have the ability over time and across different websites to collect information about you and your online activities. Except as may be described herein, we do not authorize the collection of Personal Identifiable Information (PII) for third party use through advertising technologies.
California Online Privacy Protection Act Notices
Under California Civil Code Sections 1798.83-1798.84, California residents are entitled to contact us to prevent disclosure of certain information to third parties for such third parties’ direct marketing purposes; in order to submit such a request, please contact us. California residents are entitled to ask us for a notice identifying the categories information which we share with our affiliates and/or third parties for marketing purposes, and providing contact information for such affiliates and/or third parties. If you are a California resident and would like a copy of this notice, please submit a written request to [email protected].
Transborder Transfer
Our Services are entirely geared toward U.S. residents. If you live outside of the U.S., your information may be subject to privacy laws that are different from those in your country of residence. Information collected within the European Economic Area (“EEA”) and Switzerland may, for example, be transferred to and processed by third parties identified above, located in a country outside of the EEA and Switzerland, where you may have fewer legal rights in relation to your information.
Third Party Links
We may display advertisements or complimentary offers from third parties and other content that links to third party websites. We cannot control or be held responsible for third parties’ privacy practices and content. Please read their privacy policies to find out how they collect and process your personal information.
Security
We are committed to protecting your information. We seek to use reasonable organizational, technical, and administrative measures to protect information within our organization. Unfortunately, no data transmission or storage system can be guaranteed to be 100% secure. Your password protects your user account, so you should use a unique and strong password, limit access to your computer and browser, and log out after having used our Services. If you have reason to believe that your interaction with us is no longer secure (for example, if you feel that the security of any account with us has been compromised), please immediately notify us.
Changes to This Policy
From time to time we may make changes to this Policy. To inform you of any change, we will post the updated Privacy Policy on our Services and indicate at the top of this Privacy Policy when it was updated. If we make any revisions that materially change the ways in which we use or share personal information previously collected from you, we will notify you by email or other communication. Your continued use of our Services after we have updated this Policy constitutes your acceptance of the changes.
Contact Us
If you have questions about this policy, please contact us at [email protected] or 888‑497‑8414.