California Consumer Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including the right to know what personal information we collect and how it is used, the right to request deletion of your personal information, and the right to opt out of the sale or sharing of your personal information. We do not sell your personal information. To exercise any of these rights, please contact us at [email protected] or call 954-300-1287.

Supported Carriers

Our SMS services are supported on all major U.S. wireless carriers, including but not limited to: AT&T, T-Mobile, Verizon, Sprint, Boost Mobile, Cricket Wireless, MetroPCS, U.S. Cellular, and other regional carriers. Carrier-specific conditions may apply. Message delivery is subject to effective transmission by your wireless carrier. 1st Capital Group is not responsible for delayed or undelivered messages due to carrier issues.

Privacy Policy

Effective Date: March 18, 2026
Last Updated: March 18, 2026

1st Capital Group, a DBA of GFL Capital Mortgage, Inc. (NMLS #64367) (“we,” “us,” or “our”) is committed to protecting the privacy of our website visitors and customers. This Privacy Policy describes how we collect, use, and share personal information when you visit our website at 1st-capitalgroup.com or interact with our services.

Information We Collect

Information you provide directly: When you fill out a form, apply for a mortgage, or contact us, you may provide your name, email address, phone number, mailing address, and financial information related to your mortgage inquiry.

Information collected automatically: When you visit our website, we may automatically collect certain information such as your IP address, browser type, operating system, referring URLs, and browsing behavior through cookies and similar technologies.

How We Use Your Information

We use the information we collect to respond to your mortgage inquiries and provide loan-related services, communicate with you about your application or inquiry, improve our website and user experience, comply with legal and regulatory requirements, and send you relevant updates if you have opted in to communications.

Information Sharing

We do not sell your personal information to third parties. We may share your information with service providers who assist us in operating our website and processing mortgage applications, regulatory bodies and government agencies as required by law, and affiliated companies as necessary to provide our services. All third-party service providers are required to maintain the confidentiality of your information. The above sharing provisions do not apply to your mobile phone number or SMS/text messaging opt-in data, which will never be shared with any third parties or affiliates for any purpose, including marketing or promotional purposes.

SMS/Text Messaging

If you opt in to receive text messages from 1st Capital Group / GFL Capital Mortgage, Inc., the following applies:

What messages you will receive: Upon submitting a mortgage inquiry form on our website, you may receive a confirmation text message acknowledging receipt of your inquiry, followed by updates as your loan officer reviews your details. You may also receive appointment reminders and status updates related to your mortgage application.

Message frequency: Message frequency varies. You will typically receive 1–3 messages per inquiry. We do not send marketing blasts or promotional SMS campaigns.

Message and data rates may apply. Your carrier’s standard messaging and data rates apply to any text messages you send to or receive from us. 1st Capital Group is not responsible for carrier charges.

Opt-out: You may opt out of receiving text messages at any time by replying STOP to any message you receive from us. After opting out, you will receive a one-time confirmation message and no further texts will be sent.

Help: For assistance, reply HELP to any text message from us, or contact us at [email protected] or 954-300-1287.

Consent is not required: Your consent to receive text messages is completely voluntary and is not a condition of purchasing any property, applying for a mortgage, or receiving any services from 1st Capital Group.

No sharing with third parties: No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. We will never sell, rent, or share your mobile phone number with lead generators, data brokers, or any external companies for their own use. We only use your phone number to communicate with you directly about your mortgage inquiry and application.

Data retention: We retain your phone number only as long as necessary to service your mortgage inquiry or application. You may request deletion of your phone number at any time by contacting us at [email protected].

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your browsing experience, analyze website traffic, and understand where our visitors are coming from. You can control cookie preferences through your browser settings.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure.

Your Rights

You have the right to access, correct, or delete your personal information. You may also opt out of receiving marketing communications at any time. To exercise these rights, please contact us at [email protected] or call 954-300-1287.

Changes to This Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date. We encourage you to review this policy periodically.

SMS/Text Message Communications

If you opt in to receive text messages from 1st Capital Group, we will send you messages related to your mortgage inquiry, including loan options, application updates, and appointment reminders. Message frequency varies (typically 2–5 messages per month during active inquiry). Message and data rates may apply.

You may opt out at any time by replying STOP to any message. For help, reply HELP.

Your phone number will not be shared with third parties for marketing purposes. SMS consent is not required to receive mortgage services from 1st Capital Group.

By opting in, you agree to our Terms of Use and this Privacy Policy.

Contact Us

If you have questions about this Privacy Policy, please contact us at:
1st Capital Group (DBA of GFL Capital Mortgage, Inc.)
NMLS #64367
Email: [email protected]
Phone: 954-300-1287