California Privacy Policy Addendum for California Residents
Last revised: January 1, 2023.
This Privacy Policy Addendum for California Residents (the “California Privacy Addendum”) supplements the information contained in our Privacy Policy to which this is attached and describes Ready Capital Corporation’s (“Ready Capital,” “we,” “us,” or “our”) collection and use of Personal Information.
This California Privacy Addendum applies solely to all visitors, users, and others who reside in the State of California (“Consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, the “CPRA”) and any terms defined in the CPRA have the same meaning when used in this notice.
1. Introduction
This Privacy Policy Addendum for California Residents (the “California Privacy Addendum”) supplements the information contained in our Privacy Policy to which this is attached and describes Ready Capital Corporation’s (“Ready Capital,” “we,” “us,” or “our”) collection and use of Personal Information. This California Privacy Addendum applies solely to all visitors, users, and others who reside in the State of California (“Consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 as amended by the California Privacy Rights Act of 2020 (collectively, the “CPRA”) and any terms defined in the CPRA have the same meaning when used in this notice.
2. Scope of this California Privacy Addendum
This California Privacy Addendum applies to Personal Information that we collect on or through our Platform. However, publicly available information that we collect from government records and deidentified or aggregated information (when deidentified or aggregated as described in the CPRA) are not considered Personal Information and this California Privacy Addendum does not apply to such information.
This California Privacy Addendum also does not apply to the following types of Personal Information:
- Employment-related Personal Information collected from our California-based employees, job applicants, contractors, or similar individuals (“Personnel”). Please contact your local human resources department if you are part of our California Personnel and would like additional information about how we process your Personal Information.
- Information reflecting a written or verbal business-to-business communication (“B2B Personal Information”). Please see our California Privacy Addendum for B2B Personal Information for information regarding our practices regarding your B2B Personal Information.
- Certain Personal Information that is excluded from the scope of the CPRA, like: (a) health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data; and (b) Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994. This includes information that we may collect or manage when you apply for or use your investment account with us.
3. Categories of Personal Information Collected
We collect, and over the prior twelve (12) months have collected, the following categories of Personal Information about Consumers:
| Category | Applicable Pieces of Personal Information Collected |
|---|---|
| A. Identifiers. | A real name; alias; postal address; unique personal identifier; online identifier; Internet Protocol address; email address; account name; and other similar identifiers. |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name; signature; address; telephone number; bank account number; credit card number, debit card number, or any other financial information. Some Personal Information included in this category may overlap with other categories. |
| D. Commercial information. | Records of personal property, products, or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. |
| F. Internet or other similar network activity. | Browsing history; search history; information on a Consumer’s interaction with a website, application, or advertisement. |
| G. Geolocation data. | IP-based physical location or movements that can identify your location only to town, city, and state (it cannot be used to identify your precise geolocation). |
| K. Inferences drawn from other Personal Information. | Profile reflecting a person’s preferences; characteristics; psychological trends; predispositions; behavior; attitudes; intelligence; abilities; and aptitudes. |
| L. Sensitive Personal Information (“Sensitive Personal Information”) | Complete account access credentials (user names, financial account numbers, or credit/debit card numbers combined with required access/security code or password) |
We will not collect additional categories of Personal Information without providing you notice. As further described below, while we may not “sell” your Personal Information for monetary consideration and we only “share” your Personal Information as described in our Privacy Policy, the definition of “sell” and “share” are broader under the CPRA. In summary, our use of third-party cookie and other automatic collection technology may be considered a “sale” or “sharing” of your Personal Information under the CPRA.
4. Categories of Sources From Which We Have Collected Personal Information
We collect Personal Information from the following categories of sources:
- Directly from you, for example when you provide it to us, when you contact us through our Platform;
- Automatically, when you access and use our Platform; and
- From third parties, such as marketing partners who provide us with information about our potential customers, and security partners who provide us with information to protect against fraud and abuse of our Platform and services.
5. Purposes for our Collection of Your Personal Information
We only use your Personal Information for the purposes described in our Privacy Notice.
6. DISclosing Your Personal Information for Business Purposes
Ready Capital may disclose your Personal Information to a third party for one or more business purposes. When we disclose Personal Information to non-affiliated third-parties for business purposes (described below), we enter a contract that describes the purpose, requires the recipient to both keep that Personal Information confidential and not use it for any purpose except for the specific business purposes for which the Personal Information was disclosed (unless explicitly permitted under the CPRA), and requires the recipient to otherwise comply with the requirements of the CPRA.
In the preceding twelve (12) months, we have disclosed the following categories of Personal Information for one or more of the business purposes described below to the following categories of third parties:
| Personal Information Category | Categories of Non-Service Provider and Non-Contractor Third Party Recipients |
|---|---|
| A. Identifiers. | Service Providers; advertisers and advertising networks, affiliates, parents, and subsidiary organizations of us; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | Service Providers; affiliates, parents, and subsidiary organizations of us; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| D. Commercial information. | Service Providers; affiliates, parents, and subsidiary organizations of us. |
| F. Internet or other similar network activity. | Service Providers; advertisers and advertising networks; affiliates, parents, and subsidiary organizations of us; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| G. Geolocation data. | Service Providers; affiliates, parents, and subsidiary organizations of us; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| K. Inferences drawn from other Personal Information. | Service Providers; affiliates, parents, and subsidiary organizations of us. |
| Sensitive Personal Information Category | Categories of Third Party Recipients |
|---|---|
| Complete account access credentials (user names, account numbers, or card numbers combined with required access/security code or password) | Service Providers; affiliates, parents, and subsidiary organizations of us. |
We disclose your Personal Information to the categories of third parties listed above for the following business purposes:
- Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards.
- Helping to ensure security and integrity of our Platform to the extent the use of the Personal Information is reasonably necessary and proportionate for these purposes.
- Debugging to identify and repair errors that impair existing intended functionality on our Platform;
- Short–term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us.
- Performing services on behalf of us, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of us.
- Providing advertising and marketing services, except for cross-context behavioral advertising, to Consumers.
- Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us.
7. “Selling” or “Sharing” Your Personal Information
“Sale” of Your Personal Information for Monetary or Other Valuable Consideration
As noted in our Privacy Notice, we do not sell Personal Information as the term “sell” is commonly understood to require an exchange for money. However, the use of advertising and analytics cookies on our Platform is considered a “sale” of Personal Information as the term “sale” is broadly defined in the CPRA to include both monetary and other valuable consideration. Using this broad definition, our “sale” is limited to our use of third-party advertising and analytics cookies and their use in providing behavioral advertising and their use in understanding how people use and interact with our Platform. Our “sales” of your Personal Information in this matter is subject to your right to opt-out of those sales (see Your Choices Regarding our “Sale” or “Sharing” of your Personal Information). The CPRA prohibits third parties who purchase the Personal Information we hold from reselling it unless you have received explicit notice and an opportunity to opt-out of further sales. Our Platform is not designed for minors under the age of 16, and we do not have any actual knowledge that we “sell” the Personal information of minors under the age of 16 for monetary or other valuable consideration.
“Sharing” of Your Personal Information for Cross-Context Behavioral Advertising
Ready Capital may “share” your Personal Information for the purpose of cross-context behavioral advertising, subject to your right to opt-out of that sharing (see Your Choices Regarding our “Sale” or “Sharing” of your Personal Information). Our “sharing” for the purpose of cross-context behavioral advertising would be limited to our use of third-party advertising cookies and their use in providing you cross-context behavioral advertising (i.e., advertising on other websites or in other mediums). When the recipients of your Personal Information disclosed for the purpose of cross-context behavioral advertising are also permitted to use your Personal Information to provide advertising to others, the CPRA also considers this disclosure as a “sale” for monetary or other valuable consideration under the CPRA. Our Platform is not designed for minors under the age of 16, and we do not have any actual knowledge that we “share” the Personal information of minors under the age of 16 for the purpose of cross-context behavioral advertising.
In the preceding twelve (12) months, Ready Capital has “sold” for monetary or other valuable consideration, or “shared” for the purpose of cross-context behavioral advertising, the following categories of Personal Information to the following categories of third parties:
| Personal Information Category | Sold or Shared | Business or Commercial Purpose for Sale or Sharing (as appropriate) | Categories of Third Parties To Whom Your Personal Information is Sold or Shared |
|---|---|---|---|
| A. Identifiers. | Sold and Shared | Analytics services; marketing and advertising services | Advertisers and advertising networks; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | No | N/A | N/A |
| D. Commercial information. | No | N/A | N/A |
| F. Internet or other similar network activity. | Sold and Shared | Analytics services; marketing and advertising services | Advertisers and advertising networks; Internet cookie information recipients, such as analytics and behavioral advertising services. |
| G. Geolocation data. | No | N/A | N/A |
| K. Inferences drawn from other Personal Information. | No | N/A | N/A |
| Sensitive Personal Information Category | Sold or Shared | Business Purpose for Sale or Sharing (as appropriate) | Categories of Third Parties To Whom Your Personal Information is Sold or Shared |
|---|---|---|---|
| Complete account access credentials (user names, account numbers, or card numbers combined with required access/security code or password) | No | N/A | N/A |
To exercise the rights described above, please submit a request (a “Consumer Request”) to us by either:
- Calling us at 888-354-0822;
- Submitting your Consumer Request via US mail to Ready Capital; 1251 Avenue of the Americas, 50th Floor; New York, NY 10020;
- Emailing us through the “contact us” feature of your already logged-in account or by visiting Contact Page. If you fail to make your Consumer Request in accordance with the ways described above, we may either treat your request as if it had been submitted with our methods described above or provide you with information on how to submit the request or remedy any deficiencies with your request.
All Consumer Requests must
8. Your Personal Information Rights
The CPRA provides California residents with specific rights regarding their Personal Information. This section describes your CPRA rights and explains how to exercise those rights. You may exercise these rights yourself or through your Authorized Agent. For more information on how you or your Authorized Agent can exercise your rights, please see Exercising Your CPRA Privacy Rights.
- Right to Know. You have the right to request that Ready Capital disclose certain information to you about our collection and use of your Personal Information over the past 12 months (a “Right to Know” Consumer Request). This includes: (a) the categories of Personal Information we have collected about you; (b) the categories of sources from which that Personal Information came from; (c) our purposes for collecting this Personal Information; (d) the categories of third parties with whom we have shared your Personal Information; and (e) if we have “sold” or “shared” or disclosed your Personal Information, a list of categories of third parties to whom we “sold” or “shared” your Personal Information, and a separate list of the categories of third parties to whom we disclosed your Personal Information to. You must specifically describe if you are making a Right to Know request or a Data Portability Request. If you would like to make both a Right to Know Consumer Request and a Data Portability Consumer Request you must make both requests clear in your request. If it is not reasonably clear from your request, we will only process your request as a Right to Know request. You may make a Right to Know or a Data Portability Consumer Request a total of two (2) times within a 12-month period at no charge.
- Access to Specific Pieces of Information (Data Portability). You also have the right to request that Ready Capital provide you with a copy of the specific pieces of Personal Information that we have collected about you, including any Personal Information that we have created or otherwise received from a third-party about you (a “Data Portability” Consumer Request). If you make a Data Portability Consumer Request electronically, we will provide you with a copy of your Personal Information in a portable and, to the extent technically feasible, readily reusable format that allows you to transmit the Personal Information to another third-party. You must specifically describe if you are making a Right to Know request or a Data Portability request. If you would like to make both a Right to Know Consumer Request and a Data Portability Consumer Request you must make both requests clear in your request. If it is not reasonably clear from your request, we will only process your request as a Right to Know request. In response to a Data Portability Consumer Request, we will not disclose your social security number, driver’s license number or other government-issued identification number, financial account number, health insurance or medical identification number, or your account password or security question or answers. We will also not provide this information if the disclosure would create a substantial, articulable, and unreasonable risk to your Personal Information, your account with Ready Capital, or the security of our systems or networks. We will also not disclose any Personal Information that may be subject to another exception under the CPRA. If we are unable to disclose certain pieces of your Personal Information, we will describe generally the types of personal information that we were unable to disclose and provide you a description of the reason we are unable to disclose it. You may make a Right to Know or a Data Portability Consumer Request a total of two (2) times within a 12-month period at no charge.
- Correction. You have the right to request that we correct any incorrect Personal Information about you to ensure that it is complete, accurate, and as current as possible. You may also request that we correct the Personal Information we have about you as described below under Exercising Your CPRA Privacy Rights. In some cases, we may require you to provide reasonable documentation to show that the Personal Information we have about you is incorrect and what the correct Personal Information may be. We may also not be able to accommodate your request if we believe it would violate any law or legal requirement or cause the information to be incorrect or if the Personal Information is subject to another exception under the CPRA.
- Deletion. You have the right to request that Ready Capital delete any of your Personal Information that we collected from you and retained, subject to certain exceptions. Once we receive and confirm your Consumer Request (see Exercising Your CPRA Privacy Rights), we will delete (and direct our service providers to delete) your Personal Information from our records, unless an exception applies pursuant to the CPRA. Some exceptions to your right to delete include, but are not limited to, if we are required to retain your Personal Information to complete the transaction or provide you the goods and services for which we collected the Personal Information or otherwise perform under our contract with you, to detect security incidents or protect against other malicious activities, and to comply with legal obligations. We may also retain your Personal Information for other internal and lawful uses that are compatible with the context in which we collected it.
- Non-Discrimination. We will not discriminate against you for exercising any of your CPRA rights. Unless permitted by the CPRA, we will not do any of the following as a result of you exercising your CPRA rights: (a) deny you goods or services; (b) charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties; (c) provide you a different level or quality of goods or services; or (d) suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Exercising Your CPRA Privacy Rights
Only you, or your Authorized Agent that you authorize to act on your behalf, may make a Consumer Request related to your Personal Information. To designate an Authorized Agent, see Authorized Agents below.
9. Exercising Your CPRA Privacy Rights
To exercise the rights described above, please submit a request (a “Consumer Request”) to us by either:
- Calling us at 888-354-0822;
- Submitting your Consumer Request via US mail to Ready Capital; 1251 Avenue of the Americas, 50th Floor; New York, NY 10020;
- Emailing us through the “contact us” feature of your already logged-in account or by visiting Contact Page. If you fail to make your Consumer Request in accordance with the ways described above, we may either treat your request as if it had been submitted with our methods described above or provide you with information on how to submit the request or remedy any deficiencies with your request.
Only you, or your Authorized Agent that you authorize to act on your behalf, may make a Consumer Request related to your Personal Information. To designate an Authorized Agent, see Authorized Agents below.
All Consumer Requests must:
- Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an Authorized Agent of such a person. This may include:
- Providing a copy of your government issued ID, contacting you at your address/phone number on record, or asking you about confidential information that we already have on file.
- Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it
We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm which Personal Information relates to you or the individual for whom you are making the request as their Authorized Agent.
Making a Consumer Request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to Personal Information associated with that specific account.
For instructions on exercising sale opt-out rights, see Your Choices Regarding our “Sale” or “Sharing” of Your Personal Information.
Authorized Agents
You may authorize your agent to exercise your rights under the CPRA on your behalf by registering your agent with the California Secretary of State or by providing them with power of attorney to exercise your rights in accordance with applicable laws (an “Authorized Agent”). We may request that your Authorized Agent submit proof of identity and that they have been authorized exercise your rights on your behalf. We may deny a request from your Authorized Agent to exercise your rights on your behalf if they fail to submit adequate proof of identity or adequate proof that they have the authority to exercise your rights.
Response Timing and Format
We will confirm our receipt of your Consumer Request within ten (10) business days of its receipt. We will generally process these requests within forty-five (45) calendar days of its receipt. If we require more time (up to an additional 45 calendar days), we will inform you of the reason and extension period in writing.
If you have an account with us, we will deliver our written response to that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.
In response to a Right to Know or Data Portability Consumer Request, we will provide you with all relevant information we have collected or maintained about you on or after January 1, 2022, unless an exception applies. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For Data Portability Consumer Request, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, such as CSV files or PDF files.
We do not charge a fee to process or respond to your Consumer Request unless it is excessive, repetitive, or manifestly unfounded. We reserve the right to consider more than two (2) total Right to Know or Data Portability Consumer Requests (or combination of the two) in a twelve (12) month period to be repetitive and/or excessive and require a fee. If we determine that your Consumer Request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
9. Your Choices Regarding our “Sale” or “Sharing” of Your Personal Information
“Sale” of Your Personal Information
You have the right to direct us to not sell your Personal Information for monetary or other valuable consideration and to not have us share your Personal Information for the purpose of cross-context behavioral advertising, which is showing advertising on other websites or other media based on your browsing history with our Platform (the “right to opt-out”). You can exercise the right to -opt-out or permit us to “sell” and “share” your Personal Information at any time.
How You May Opt-Out of Our Sale or Sharing of Your Personal Information
To exercise the right to opt-out of the “sale” of your Personal Information for monetary or other valuable consideration and of “sharing” your Personal Information for the purposes of cross-context behavioral advertising, you (or your authorized representative) may adjust your cookie preferences by configuring your browser to send us a privacy signal as described in more detail below or by setting your browser to refuse all or some browser cookies, or to alert you when cookies are being sent. However, if you do not consent to our use of cookies or select this setting you may be unable to access certain parts of our Platform or other websites. You can find more information about cookies at http://www.allaboutcookies.org , and http://www.youronlinechoices.eu.
Once you make an opt-out request, we will wait at least twelve (12) months before asking you to reauthorize Personal Information sales. However, you may change your mind and opt back into the sale of Personal Information at any time by reconfiguring your web browser to accept cookies.
You do not need to create an account with us to exercise your opt-out rights. You may be required to provide us with additional contact information so that we may verify your request to opt-in to the sale of your Personal Information. We will only use Personal Information provided in an opt-out request to review and comply with the request.
If you (or your Authorized Agent) submit a request to opt-in to our “sale” or “sharing” of your Personal Information, we will use a two-step process in order to confirm that you want to opt-in for such “sale” or “sharing” of your Personal Information. This process may include verifying your request through your email address on record, calling you on your phone number on record (which may be through the use of an automated dialer), sending you a text message and requesting that you text us a confirmation (which may be through the use of an automated dialer), sending you a confirmation through US mail. By making a Consumer Request, you consent to us contacting you in one or more of these ways.
How You May Opt-Out of Our Sale or Sharing of Your Personal Information
You may also exercise your right to opt-out of the “sale” of your Personal Information for monetary or other valuable consideration and “sharing” your Personal Information for the purposes of cross-context behavioral advertising by setting the privacy control signal on your browser, if your browser supports it. We currently recognize and support the following privacy signals sent by browsers:
- Global privacy control (for more information on how to configure your browser to send this signal, please see https://globalprivacycontrol.org/).
When we receive one of these privacy control signals, we will opt you out of any further “sale” or “sharing” of your Personal Information when you interact with our Platform through that browser and on that device. We will only be able to propagate your choice to opt-out to your account if you are currently logged in when we receive the privacy control signal from your browser. When we are able to propagate your choice to your account, you will be opted out of “sale” or “sharing” of your Personal Information on all browsers and devices on which you are logged in, and for both online and offline “sales” and “sharing.”
When we receive a privacy control signal, we may also process it in a frictionless manner, which prohibits us from: (a) charging you a fee or requiring any valuable consideration; or (b) changing your experience with our products and services. You may configure the privacy control signal to operate in a frictionless manner by consulting the documentation for your browser or plug-in that provides the privacy control signal.
10. Your Choices Regarding our Use and Disclosure of Your Sensitive Personal Information
As further described below, we do not use or disclose your Sensitive Personal Information for any purpose other than the following:
- To perform the services or provide the goods reasonably expected by an average Consumer who requests such goods or services;
- To detect security incidents that compromise the availability, authenticity, integrity, and confidentiality of stored or transmitted Personal Information, provided that our use of your Personal Information is reasonably necessary and proportionate for such purposes;
- To resist malicious, deceptive, fraudulent, or illegal actions directed at Ready Capital and to prosecute those responsible for those actions, provided that our use of your Personal Information is reasonably necessary and proportionate for this purpose;
- To ensure the safety of natural persons, provided that our use of your Personal Information is reasonably necessary and proportionate for this purpose;
- For short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us, provided that the Personal Information is not disclosed to another third-party and is not used to build a profile about you or otherwise alter your experience outside the current interaction with us;
- To perform services on behalf of us, such as maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services on behalf of us; and
- To verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured by, manufactured for, or controlled by us.
Under the CPRA, you may limit our use and disclosure of your Sensitive Personal Information to only the above uses. If we use your Sensitive Personal Information for any other purpose in the future, we will notify you and provide you with information on how you can limit our use to only the above purposes.
11. How Long We Retain Your Personal Information
We will retain your all of the categories of Personal Information described above (other than Personal Information related to your investment account) for only as long as necessary for the purposes for which it was collected, or [three (3) months], whatever is longer. However, we may retain any or all categories of Personal Information when your information is subject to one of the following exceptions:
- When stored in our backup and disaster recovery systems. Your Personal Information will be deleted when the backup media your Personal Information is stored on expires or when our disaster recovery systems are updated.
- When necessary for us to exercise or defend legal claims.
- When necessary to comply with a legal obligation.
- When necessary to help ensure the security and integrity of our Platform and IT systems.
Your Personal Information will be deleted when we no longer require your Personal Information for any of the above purposes.
12. Changes to this CPRA Addendum
Ready Capital reserves the right to amend this California Privacy Addendum at our discretion and at any time. When we make changes to this California Privacy Addendum, we will post the updated addendum on the Platform and update the addendum’s effective date. Your continued use of our Platform following the posting of changes constitutes your acceptance of such changes.
13. Contact Us
If you have any questions, concerns, complaints or suggestions regarding this California Privacy Addendum, or otherwise need to contact us, you may contact us at the contact information below or through the Contact Us page (https://readycapital.com/contact/) on our Platform.
Ready Capital Corporation
1251 Avenue of the Americas
50th Floor
New York, NY 10020
Telephone: 888-354-0822
Email: [email protected]