Effective date: April 16, 2026
Brand: The Capitalista
Legal entity: Roshed Coaching LLC (“The Capitalista,” “we,” “us,” “our”)
Website: www.thecapitalista.com
Address: [X]

This Privacy Policy explains how The Capitalista collects, uses, discloses, and protects information when you visit our website, create an account, subscribe to our services, communicate with us, or upload documents into our platform (the “Services”). It also describes privacy rights available to California residents.

1) Information We Collect

We collect information from: (a) information you provide, (b) information collected automatically, and (c) information from third parties (such as payment providers).

A. Information you provide to us

Account and contact information

• Name, email address, phone number (if provided), business name, role/title
• Login credentials (we store passwords in hashed form if we manage authentication)

Billing and transaction information

• Subscription plan, invoices/receipts, payment status, and transaction history
• Payments are processed through third-party payment providers. We do not intentionally store full payment card numbers. We may receive limited details (such as last four digits, expiration month/year, and transaction identifiers), depending on the provider.

Customer content and uploaded documents

• Files and content you upload or provide to the Services (for example: financial statements, bank statements, invoices, bills, payroll summaries, accounting exports, and supporting documentation)
• Notes, categorizations, tags, comments, and scenario inputs created in the Services
• If you upload documents containing personal information about others (employees, customers, vendors), you represent that you have the right to share that information with us for the purpose of using the Services.

Support and communications

• Messages you send to us (email, chat if enabled), meeting notes, and other communications

B. Information collected automatically

When you use the Services, we may automatically collect:

• IP address, device identifiers, browser type, operating system, and language settings
• Usage and activity data (pages/screens viewed, features used, timestamps, and interactions)
• Approximate location inferred from IP address
• Cookies and similar technologies (see Section 6)

C. Information from third parties

We may receive information from third parties such as:

• Payment providers (e.g., transaction confirmation, billing details, payment status)
• Service providers you choose to connect (if/when integrations are enabled)

2) How We Use Information

We use information to:

• Provide and operate the Services (dashboards, reporting, scenario analysis, alerts, and related features)
• Process payments and manage subscriptions
• Secure and protect the Services (fraud prevention, authentication, access controls, and troubleshooting)
• Provide support and respond to your requests
• Improve and develop the Services (feature development and service quality)
• Communicate with you about the Services (service announcements, administrative messages, and onboarding)
• Comply with legal obligations and enforce our Terms

3) How We Disclose (Share) Information

We do not sell your uploaded financial documents.

We may disclose information in the following situations:

A. Service providers

We may share information with vendors and service providers who help us operate the Services, such as:

• Payment providers
• Hosting and infrastructure providers (if/when enabled)
• Customer support tools (if/when enabled)
• Security providers (if/when enabled)

These providers are authorized to use information only as necessary to provide services to us.

B. Business transfers

If we are involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of some or all assets, information may be transferred as part of that transaction.

C. Legal and safety reasons

We may disclose information if required by law or if we believe disclosure is necessary to:

• comply with legal obligations
• protect the rights, property, or safety of The Capitalista, our users, or others
• investigate fraud, security incidents, or misuse of the Services

D. With your directions

We may share information when you request or instruct us to (for example, exporting reports or sharing outputs with your accountant).

4) Sensitive Information and Financial Data

Some uploaded documents may include sensitive information (such as bank account details or payroll-related data). We use uploaded content only to provide the Services and for security, support, and compliance purposes.

Recommendation: Avoid uploading highly sensitive identifiers unless necessary (e.g., government ID numbers). Where possible, redact unnecessary sensitive details.

5) Data Retention

We retain information for as long as reasonably necessary to:

• provide the Services
• comply with legal obligations
• resolve disputes
• enforce agreements

Account data is generally retained while your account is active.
Uploaded content is retained until you delete it or close your account, subject to backups and legal requirements.
Backups may persist for a limited period after deletion.

6) Cookies and Similar Technologies

We may use cookies and similar technologies for:

• Strictly necessary functions (security and session management)
• Preferences (remembering basic settings)

At this time, we do not use third-party analytics services on the website. If we add analytics or advertising/retargeting in the future, we will update this Privacy Policy and, where required, provide additional choices and notices.

You can control cookies through your browser settings. Disabling cookies may affect certain features.

7) California Privacy Rights (CCPA/CPRA)

If you are a California resident, you may have rights regarding your personal information, including:

• the right to know/access information we collected
• the right to delete information (subject to exceptions)
• the right to correct inaccurate information
• the right to opt out of “sale” or “sharing” of personal information (if applicable)
• the right to non-discrimination for exercising rights

How to submit a request

To submit a privacy request, email us at: privacy@thecapitalista.com

We may need to verify your identity before completing a request.

Do Not Sell or Share

We do not currently sell or share personal information for cross-context behavioral advertising. If we implement advertising/retargeting that qualifies as “selling” or “sharing” under California law, we will provide a clear opt-out mechanism and update this policy.

8) Security

We use reasonable administrative, technical, and organizational safeguards designed to protect information. No system is perfectly secure, and we cannot guarantee absolute security.

9) International Users

If you access the Services from outside the United States, your information may be processed and stored in the United States or other locations used by our service providers.

10) Children’s Privacy

The Services are not directed to children under 13, and we do not knowingly collect personal information from children under 13.

11) Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post updates on this page and revise the “Effective date” above. If changes are material, we may provide additional notice.

12) Contact Us

The Capitalista (Roshed Coaching LLC)
Email: X
Address: [X]

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