Q Capital Strategies

Privacy Policy

Scope and Purpose

Q Capital Strategies, LLC (“we,” “us,” “our”) collects, uses, and safeguards personal information in full compliance with HIPAA, applicable state insurance and privacy laws, FTC privacy and data security standards, TCPA requirements, and carrier/10DLC SMS/text messaging regulations. This policy applies to our website, servicing operations, and SMS/text message communications related to life settlement services.

Information We Collect

Contact Details: Name, address, phone number, email.
Policy Details: Information necessary to verify, service, or complete your life settlement transaction.
Protected Health Information (PHI): Only collected when essential. Treated and protected as PHI under HIPAA Privacy and Security Rules .
Consent Records: Opt-in documentation for SMS/text messaging.

How We Use Your Information

Facilitate servicing, verification, and completion of life settlement transactions.
Send account-related updates and transaction reminders via SMS/text message.
Meet legal obligations under HIPAA, state laws, FTC regulations, and SMS carrier rules.

We do not share your mobile number or SMS/text message opt-in data for affiliate or third-party marketing or promotional purposes.

SMS/Text Messaging Communications

Opt-in consent allows you to receive SMS/text messages from Q Capital Strategies, LLC solely for servicing and policy-related communications.
Message frequency may vary. Standard message/data rates may apply.
You may opt out anytime by replying STOP or contacting us directly.
Required Statement: “No phone/mobile number information will be shared with third parties/affiliates for marketing/promotional purposes. All categories exclude SMS/text message originator opt-in data and consent; this information will not be shared with any third parties.” (Fulfills 10DLC/carrier mandates)

Security Measures

We implement administrative, physical, and technical safeguards—including encryption, access controls, and secure storage—to protect your data, following HIPAA, FTC data security guidance, and industry best practices .

Data Retention

SMS/text message consent records are retained per 10DLC and federal regulations.
PHI and client records are retained and destroyed according to HIPAA and pertinent state insurance laws.

Your Rights

Access, correct, or request deletion of your information, to the extent permitted by law.
Opt out of SMS/text messaging at any time.
Request this Privacy Policy in alternative formats.

Compliance and Oversight

We maintain compliance with:

HIPAA for PHI.
FTC guidance for consumer health information .
TCPA: Explicit consent required for SMS/text messages. We collect that via documented opt-in .
10DLC Carrier Rules: Clear disclosure, privacy policy link in opt-in, and opt-out mechanism .
CTIA/MMA Best Practices: Transparency, opt-out, minimal message frequency.