PropCapitol, Inc. ("PropCapitol," "we," "us," or "our") operates a commercial real estate capital markets platform that connects borrowers, lenders, and investors. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our website and platform at propcapitol.com (the "Service").
1. Information We Collect
a. Account Information
When you create an account, we collect your full name, email address, phone number, company name, and role selection (borrower, lender, or investor). Authentication is handled through our third-party provider, Clerk.
b. Profile Information
Depending on your role, we collect additional information to facilitate matching and transactions:
- Borrowers: Loan amount, property type, property address, loan-to-value ratio, closing timeline, capital structure preference, and calendar scheduling links.
- Lenders: Company name, lending programs, loan types, asset types, lending states, loan amount ranges, LTV ranges, loans per month capacity, time-to-close estimates, and calendar scheduling links.
- Investors: Accreditation status, LP/GP preference, investment amount range, net worth, assets under management, asset type interests, experience level, and states of interest.
c. Financial Documents
You may upload financial documents including personal financial statements, property appraisals, purchase agreements, rent rolls, tax returns, investment memos, and other transaction-related documents. These documents are stored securely and shared only with parties you authorize.
d. Communications
Messages exchanged through our in-platform messaging system between borrowers, lenders, and investors are stored to facilitate deal communication and maintain transaction records.
e. Usage and Technical Data
We automatically collect device information, browser type, IP address, pages visited, time spent on pages, and interaction data to improve our Service.
2. How We Use Your Information
- Matching: We use your profile data to algorithmically match borrowers with lenders and investors based on loan criteria, asset types, geographic preferences, and deal parameters.
- Deal Facilitation: To process loan applications, issue soft quotes, schedule meetings, manage document workflows, and track deal pipelines.
- Communications: To send notifications about new matches, application status changes, messages, and meeting confirmations.
- Market Intelligence: To provide role-relevant real estate news and market data through our news feed and ticker features.
- Platform Improvement: To analyze usage patterns, improve matching algorithms, and enhance the user experience.
- Compliance: To comply with applicable laws, regulations, and legal processes in the commercial real estate and financial services industries.
3. How We Share Your Information
We do not sell your personal information. We share your information only in the following circumstances:
- Matched Counterparties: When our matching algorithm connects you with a lender, borrower, or investor, limited profile and deal information is shared to facilitate the transaction. Each party only sees information relevant to their role.
- Service Providers: We use third-party services for authentication (Clerk), data storage (Convex), hosting (Vercel), and scheduling integrations (Calendly/Cal.com). These providers process data on our behalf under strict contractual obligations.
- Legal Requirements: We may disclose information when required by law, subpoena, or regulatory request, or to protect the rights, property, or safety of PropCapitol, our users, or others.
4. Data Security
We implement industry-standard security measures to protect your data:
- AES-256 encryption for data at rest
- TLS 1.3 encryption for data in transit
- Role-based access controls ensuring users only access data relevant to their role and transactions
- Per-user data isolation — lenders and investors each maintain separate pipeline views with no cross-visibility
- Secure document storage with permissioned access controls
5. Data Retention
We retain your account data and transaction records for as long as your account is active or as needed to provide the Service. Financial documents are retained for the duration of active transactions and for a reasonable period afterward to comply with regulatory requirements. You may request deletion of your account and associated data at any time by contacting us.
6. Your Rights
You have the right to:
- Access the personal information we hold about you
- Correct inaccurate or incomplete information
- Request deletion of your account and personal data, subject to legal retention requirements
- Withdraw consent for optional data processing at any time
- Export your data in a portable format
- Opt out of marketing communications while retaining transactional notifications
7. Cookies and Tracking
We use essential cookies for authentication and session management. We may use analytics tools to understand how users interact with our platform. You can manage cookie preferences through your browser settings.
8. Third-Party Links
Our news feed and market intelligence features may link to third-party news sources including HousingWire, National Mortgage News, The Real Deal, and Calculated Risk. We are not responsible for the privacy practices of these external sites.
9. Children's Privacy
Our Service is not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe we have collected data from a minor, please contact us immediately.
10. Changes to This Policy
We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised policy.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise your data rights, please contact us at:
PropCapitol, Inc.
Email: privacy@propcapitol.com