Privacy Policy and SMS/Text Messaging Terms & Conditions for Capstone Planning

Last Updated: 12/12/2024

At Capstone Planning, we are committed to respecting your privacy and providing transparency about our SMS/Text Messaging practices. By opting in to receive text messages from us, you agree to the terms and conditions outlined below.

SMS/Text Messaging Terms & Conditions

Types of Messages
By opting in, you agree to receive SMS/Text Messages from Capstone Planning. These messages may include:

  • General questions or responses related to your inquiries.
  • Appointment reminders.
  • Notifications about upcoming events.

Message Frequency
The number of messages you receive will vary based on your interaction and the services you use.

Opt-Out Instructions
You can opt out of receiving SMS/Text Messages at any time by replying "STOP."

  • Once you reply "STOP," we will send a final confirmation message to confirm that you have been unsubscribed.
  • After this, you will no longer receive SMS/Text Messages from us.
  • To rejoin, simply opt in again through our contact form or as you did initially, and we will resume sending SMS/Text Messages.

Help Section
If you experience issues with our messaging program, you can:

Interruption and Liability
Capstone Planning is not liable for delayed or undeliverable messages caused by issues beyond our control, such as carrier delays or service interruptions.

Cost
Message and data rates may apply for any SMS/Text Messages exchanged with us. If you have questions about your text or data plan, please contact your mobile service provider.

Privacy Statement

Data Usage and Sharing
We respect your privacy. Any data you provide, including your phone number and SMS/Text Messaging opt-in consent, is used solely for communication purposes. We do not share, sell, or disclose your information to third parties, subsidiaries, or affiliates for marketing or promotional purposes.

Privacy Policy
For further details about how we handle your information, please review our full Privacy Policy.

Contact Information
If you have questions or concerns about this policy, please reach out to us:

Who we are

Who is providing this notice?
Capstone Planning, LLC

What we do

How does Capstone Planning, LLC 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 Capstone Planning, LLC collect my personal information?
We collect your personal information, for example, when you:

  • open an account or give us income information
  • seek advice about your investments or tell us about your investment or retirement portfolio
  • make deposits or withdrawals from your account(s)
  • request a transfer of funds from contra investment account(s)

Why can’t I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitio

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • Capstone Planning, LLC has as its affiliates Charles Schwab & Co. and Capstone Investment Management, LLC.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • Capstone Planning, LLC does not share with nonaffiliates so they can market to you.

Joint marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Capstone Planning, LLC does not jointly market.

Other important information

Capstone Planning, LLC is registered under the laws of the State of Florida and by state law is subject to regulatory oversight by the Securities Exchange Commission (SEC). Any consumer wishing to file a complaint against

Capstone Planning, LLC, should contact the SEC through one of the means indicated below:

By Mail: 1300 SW Arrowhead Rd., Topeka, KS 66604

By Phone: (850) 413-3100 ; or through the Florida Department of Financial Services email: YourFLVoice@MyFloridaCFO.com