Privacy Policy

Legal Business Name: Key Real Estate Capital Inc.
DBA: Key Real Estate Capital
Effective Date: March 23, 2026
Last Updated: March 23, 2026

1. Introduction

Key Real Estate Capital Inc. ("Key Real Estate Capital," "we," "us," or "our") is a private lending company incorporated in Wyoming and operating in San Diego, California. We provide financing solutions including fix and flip loans, DSCR rental loans, ground up construction loans, bridge loans, bank statement loans, and cash-out refinances.

This Privacy Policy describes how we collect, use, and protect personal information submitted through our websites at:

https://keyrealestatecapital.com/
https://optins.keyrealestatecapital.com/loan-submission

We may contact you via SMS messages for service-related communications related to your inquiry or loan file, only where consent has been provided.

By using our website or submitting a loan request, you agree to the practices described in this policy.

2. Information We Collect

We collect personal information that you voluntarily provide, including:

  • First and last name
  • Email address
  • Mobile phone number
  • Loan details, including loan type, estimated loan amount, liquid capital, credit score range, and property location
  • SMS consent records, including the date, time, and method of opt-in

We may also collect limited technical data such as IP address, browser type, device type, and website interaction data for operational, security, and analytics purposes.

3. Cookies and Tracking Technologies

We may use cookies, pixels, and similar tracking technologies to enhance user experience, analyze website traffic, improve website performance, and support internal business operations. These technologies may collect information such as IP address, browser type, device information, and pages visited.

This information is used solely for internal analytics, website functionality, security, and operational purposes. It is not used to send marketing SMS messages or to identify individuals for marketing or promotional text messaging.

You may disable cookies through your browser settings; however, some features of our website may not function properly if cookies are disabled.

4. How We Use Your Information

We use your information to:

  • Respond to your submitted loan inquiry
  • Process, evaluate, and service your loan file
  • Send service-related communications, including SMS messages where consent has been provided
  • Provide document requests, status notifications, closing notifications, and other loan-related communications
  • Improve our internal systems, operations, and service delivery

We do not sell, rent, or trade your personal information.

5. SMS / Text Messaging

5.1 Program Description

Key Real Estate Capital Inc. operates an SMS messaging program used exclusively to:

  • Respond to user-submitted inquiries
  • Communicate regarding loan applications and active loan files

Messages may include:

  • Inquiry confirmations
  • Responses to submitted inquiries
  • Document requests
  • Status updates
  • Closing notifications
  • Loan-related messages

Messages are only sent to individuals who have:

  • Submitted a form on our website, and
  • Provided explicit SMS consent

Key Real Estate Capital Inc. does not send unsolicited marketing or promotional text messages. Messages are strictly limited to responses to user-initiated inquiries and service-related communications.

5.2 Consent Mechanism

SMS consent is collected through an unchecked checkbox on the following pages:

https://optins.keyrealestatecapital.com/loan-submission
https://keyrealestatecapital.com/contact

Users must manually check the consent box to opt in.

Providing a phone number alone does not constitute consent.

Consent is not a condition of purchase or service.

5.3 Consent Disclosure

The consent language presented at the point of opt-in is:

"I consent to receive service-related text messages from Key Real Estate Capital Inc. regarding my submitted inquiry and loan file (e.g., application confirmations, document requests, status updates, closing notifications, and loan-related messages). Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out. Reply HELP for help. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes."

5.4 Secondary Disclosure

The secondary disclosure presented at the point of opt-in is:

"By checking the box above, you provide express written consent to receive service-related text messages from Key Real Estate Capital Inc. at the phone number provided. The checkbox is not pre-selected. Messages are sent only in response to your submitted inquiry and in connection with your loan file. Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out. Reply HELP for help. Consent is not a condition of purchase or service. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes."

5.5 Opt-In Confirmation Message

Upon opting in, users receive:

"Key Real Estate Capital Inc.: You are confirmed to receive service-related messages regarding your inquiry and loan file. Msg frequency varies. Msg & data rates may apply. Reply STOP to opt out. Reply HELP for help."

5.6 Message Frequency

Message frequency varies and is triggered by user activity related to the inquiry or loan file.

5.7 Opt-Out Instructions

Users may opt out at any time by replying STOP.

After opting out, no further messages will be sent unless the user opts in again.

Users may re-enroll by replying START or by submitting a new opt-in form with consent.

5.8 Help Instructions

Users may reply HELP or contact:

Phone: +1 619-376-1161
Email: keyan@keyrealestatecapital.com

5.9 Message and Data Rates

Msg & data rates may apply.

5.10 Supported Carriers

Supported carriers include AT&T, Verizon, T-Mobile, Boost Mobile, MetroPCS, and U.S. Cellular.

Carriers are not liable for delayed or undelivered messages.

5.11 Data Sharing

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes.

Information may be shared only with service providers necessary to operate our business, including:

  • GoHighLevel, for CRM and communications management
  • Twilio, for SMS delivery infrastructure

These providers are contractually restricted from using your data for any purpose other than service delivery.

6. Data Security Practices

Key Real Estate Capital Inc. implements commercially reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, use, alteration, disclosure, or destruction.

These safeguards include, but are not limited to:

  • Secure data transmission using industry-standard encryption protocols where applicable
  • Role-based access controls to ensure that only authorized personnel have access to personal information necessary to perform their job functions
  • Use of secure systems, platforms, and infrastructure to store and process personal information
  • Contractual obligations requiring third-party service providers, including CRM and messaging platforms, to maintain appropriate data protection standards
  • Ongoing monitoring of systems for potential vulnerabilities, unauthorized access attempts, and abnormal activity
  • Internal processes designed to limit data access, reduce unnecessary data exposure, and maintain operational security standards

We take reasonable steps to ensure that personal information is handled securely and in accordance with this Privacy Policy. However, no method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

7. Data Retention

SMS consent records are retained for a minimum of five years.

SMS opt-out records are retained permanently.

Other personal information is retained only as long as necessary for operational, legal, and regulatory purposes.

8. Your Rights

You may request access to, correction of, or deletion of your personal data by contacting us using the contact information below.

9. California Privacy Rights

California residents have rights under the California Consumer Privacy Act and California Privacy Rights Act, including rights related to access, deletion, correction, and non-discrimination.

10. Changes to This Policy

We may update this Privacy Policy at any time. Any updates will be reflected by the Last Updated date above.

11. Contact Information

Key Real Estate Capital Inc.
401 W A St, Suite 200
San Diego, California 92101
Phone: +1 925-989-9386
SMS Support: +1 619-376-1161
Email: keyan@keyrealestatecapital.com
Website: https://keyrealestatecapital.com/