Privacy Policy

Capital Club
Last updated: September 25, 2026

This Privacy Policy explains how Capital Club ("we," "us," "our"), identified in Section 11, collects, uses and discloses personal information. We are subject to British Columbia's Personal Information Protection Act (PIPA), and the federal Personal Information Protection and Electronic Documents Act (PIPEDA) may apply to some of our activities.

This policy covers our website, free content, community, memberships, programs and related services. Our Terms of Service govern purchases and participation.

1. Privacy Officer

Our Privacy Officer is responsible for our compliance with privacy law and handles questions, requests and complaints.

Billy Zhang, Director
Email: marketswithbilly@gmail.com
Phone: 778-765-5318

2. What We Collect

Information you give us. Name, email, phone number and social media handles. Application and intake responses, such as investing experience, background and goals. Billing name and address, transaction history and payment status (card numbers are handled by our payment processors, not stored by us). Work you submit, lesson completion and session attendance. Emails, community messages, SMS, form submissions and support requests. Recordings of live sessions and calls.

Information collected automatically. Device and browser type, IP address, approximate location, pages visited, referral source, and activity on our website, course platform and community.

Sensitive financial information. Do not send us passwords, login codes, recovery phrases or unredacted brokerage statements, and redact account numbers from screenshots. If you share holdings or financial goals, we use that information only to respond at a general educational level. We do not provide personalized investment advice.

3. Why We Collect It

We use personal information to evaluate applications, provide the Services, process payments and keep billing and tax records, communicate with you and provide support, give feedback on submitted work, verify participation under a program guarantee, operate, secure and improve our platforms and content, send marketing where you have consented, meet legal obligations, and establish or defend legal claims, including disputed charges.

We may use third-party AI tools to help draft educational content and to organize or review questions, submitted work and support messages. We do not submit passwords, payment credentials or unredacted account statements to these tools.

4. Consent

We collect, use and disclose personal information with your consent, except where the law permits or requires otherwise. Consent may be express or implied depending on the sensitivity of the information and the context. We do not require consent beyond what is needed to provide the Services as a condition of purchase. Marketing and optional tracking are separate from accepting our Terms.

You may withdraw consent on reasonable notice, subject to legal and contractual limits. We will explain the likely consequences, which may include being unable to provide a feature. Withdrawing consent does not cancel a subscription. See the Terms of Service to cancel.

5. Who We Share It With

We do not sell or rent personal information.

Service providers. We use providers for checkout, payments, community hosting, website hosting, email and messaging, forms, support, video calls, storage, analytics and AI assistance. They receive the information needed for their function. Some platforms, including community, payment and advertising platforms, also handle information under their own privacy policies.

Other members. Your display name, profile, posts and shared materials are visible to members with access to the relevant channel or session. We cannot guarantee confidentiality or prevent screenshots by other participants. Do not post anything you do not want other members to see.

Business transactions. Information may be disclosed in connection with a proposed or completed sale, merger or reorganization, as permitted by law.

Legal and professional. We may disclose information where required or permitted by law, including to regulators, courts, professional advisers, payment providers and insurers, to meet legal obligations, prevent fraud, resolve disputes or protect our rights.

With your permission. We may disclose information at your direction. Using your name, testimonial, identifiable work or recordings in marketing requires your permission.

6. Where Your Information Goes

Information may be stored or processed in Canada, the United States and other countries where our providers operate. While there, it is subject to that country's laws and may be accessed by its courts, law enforcement and national security authorities. Contact our Privacy Officer for information about cross-border processing.

7. How Long We Keep It

We keep personal information only as long as needed for the purposes described in this policy and to meet legal, tax and contractual obligations, then delete or anonymize it. Information used to make a decision about you is kept for at least one year, as PIPA requires. Billing and tax records are kept for the period required by law. Deleted information may remain in backups until overwritten, and legal holds may require longer retention. Requesting deletion does not cancel recurring billing.

8. Cookies, Analytics and Advertising

Our website and tools use cookies, pixels and similar technologies. Necessary technologies support security, login, payments and preferences. Analytics technologies help us understand how the site is used and may record clicks, scrolling and page interactions. Advertising technologies may share device identifiers, page visits and purchase or form events with advertising platforms to measure campaigns and show relevant ads. Those platforms use information under their own policies, and some privacy laws may treat this as a sale or sharing of personal information.

We obtain consent for optional technologies where the law requires it and provide opt-outs required by applicable law. Declining optional tracking does not affect your membership access.

9. Recordings

Live sessions and calls may be recorded as described in our Terms of Service. Recordings may include display names, voices, images, shared screens and chat messages, and are used for member replays and educational improvement. We do not use identifiable member recordings in marketing without permission.

10. Marketing Communications

We send marketing email and SMS with your consent or as otherwise permitted by law. Every marketing message identifies us and includes a way to unsubscribe, and we process opt-outs within 10 business days. Receipts, access details and support messages are not marketing and may continue.

If you opt in to SMS, reply STOP to opt out or HELP for help. We do not sell or share your phone number or SMS consent with third parties for their own marketing. Our messaging providers process your number on our behalf only to deliver our messages. Consent to SMS is never a condition of purchase. Full program details are in our Terms of Service.

11. Your Rights

You may request access to your personal information and how it has been used and disclosed, ask us to correct inaccurate information, withdraw consent, opt out of marketing, and request deletion subject to our retention obligations. Email our Privacy Officer to make a request. Requests are handled on behalf of 1585189 B.C. LTD., a British Columbia corporation carrying on business as Capital Club, which is responsible for personal information under this policy. We may need to verify your identity. We respond within the time required by law and will explain any refusal. Where U.S. state privacy laws apply to us, we honour the rights they provide.

12. Complaints

Contact our Privacy Officer first if you can. You may also contact the Office of the Information and Privacy Commissioner for British Columbia at oipc.bc.ca or, where federal law applies, the Office of the Privacy Commissioner of Canada at priv.gc.ca.

13. Security

We use reasonable safeguards appropriate to the sensitivity of the information we hold. No system is completely secure. You are responsible for keeping your login credentials confidential.

14. Breaches

If a security breach involving your personal information creates a real risk of significant harm to you, we will notify you and the relevant regulators as required by law.

15. Children

Our Services are intended for people 18 and older. We do not knowingly collect information from minors. Contact our Privacy Officer if you believe a minor has provided information to us.

16. Changes

We may update this policy. The date at the top shows the current version. Where a change requires your consent, we will ask for it.

17. Contact

Privacy Officer, Capital Club
Email: marketswithbilly@gmail.com (please put "Privacy" in the subject line)
Phone: 778-765-5318
Website: joincapitalclub.com