Last updated: August 10, 2026

Customer service is very important to us. As we continue to improve and expand our services, we recognize our customers' need and desire to preserve their privacy and confidentiality. Safeguarding our customers' privacy is also very important to us. We have adopted standards that help maintain and preserve the confidentiality of customers' nonpublic personal information. The following Statement affirms our continued efforts to safeguard customer information.

Information We Collect

We gather nonpublic personal information about our customers as may be necessary to conduct business with our customers. We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or other forms, over the telephone or in face-to-face meetings, and via the Internet. Examples of information we receive from you include your name, address, telephone number, social security number, credit history and other financial information.
  
• Information about your transactions with us or others. Examples of information relating to your transactions include payment histories, account balances and account activity.
  
• Information we receive from a consumer reporting agency. Examples of information from consumer reporting agencies include your credit score, credit reports and other information relating to your creditworthiness.
  
• From employers and others to verify information you have given to us. Examples of information provided by employers and others include verifications of employment, income or deposits.

AMERICAN CAPITAL FINANCIAL GROUP LLC, publicly branded as AMCFG, may collect your mobile telephone number when you submit a form and separately consent to receive text messages. AMCFG uses this information to respond to mortgage inquiries, answer mortgage-process questions, coordinate requested consultations, provide requested scheduling or application links, deliver application or document-status updates, and make limited non-promotional follow-ups concerning your inquiry. Text messages may be sent manually by Jay Kim or other authorized AMCFG personnel or through automated workflows associated with your request, appointment, responses, or application activity. Message frequency varies, typically one to five messages per inquiry per month, excluding consumer-initiated conversations. Message and data rates may apply. Reply HELP for assistance. You can reply STOP anytime to end texts. Consent to receive text messages is not a condition of applying for or receiving mortgage services. AMCFG will not share mobile telephone information, SMS enrollment records, or texting consent with third parties or affiliates for advertising or promotional purposes. AMCFG may provide limited information to vendors performing necessary operational services, such as customer support and message delivery, solely to provide those services. SMS opt-in records and consent are not sold, rented, or transferred to third parties.

Information We Disclose

Your personal information will only be retained for the purpose of providing you with our response to your query and will not be made available to any third party except as necessary to be disclosed to any related entity for the purpose intended or as required to be disclosed under law.

By submitting data on our website, the visitor is providing explicit consent to transmission of data collected on the website.

We treat data as confidential within our firm and require a strict adherence of all our employees to data protection and our confidentiality policies.

All visitors, however, should be aware that our website may contain links to other sites that are not governed by this or any other privacy statement.

We reserve the right to amend (that is, add to, delete or change) the terms of this Privacy Statement from time to time.

Legal Disclaimer

We hereby authorize you to view and print information on this website subject to it being used for informational and non-commercial purposes.

The information contained in this website is believed to be reliable, but we do not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will we be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever arising from loss of data or profits arising out of, or in connection with, the use of this website.

It is our intention that data provided on a subject is of a general nature. Our website does not represent an exhaustive treatment of subjects nor is the information intended to constitute accounting, tax, legal, consulting or other professional advice. 

Prior to making any decision or taking any action we kindly request you to contact your tax or legal advisors. 

Please use this document and information at your own risk. The content of this site is copyrighted and therefore any unauthorized use of any materials on this website may violate copyright, trademark, and other laws. 

Materials on this website may not be modified, reproduced, or publicly displayed, distributed or performed for any public or commercial purposes prior to our approval.

Terms and Conditions

Effective date: August 10, 2026

Website Use and Legal Disclaimer

Keep the existing legal-disclaimer paragraphs currently published on the page.

SMS Messaging Terms

American Capital Financial Group LLC (“AMCFG,” “we,” “us,” or “our”) provides an optional non-marketing text messaging program to people who request mortgage information or services from us and affirmatively consent to receive text messages.

Messages may include responses to mortgage inquiries, requested mortgage information, appointment scheduling and reminders, and mortgage application, document, or status updates. This messaging program is intended for informational and customer-care communications. It is not used for promotional offers or rate advertisements.

Consent

You may opt in by manually selecting the optional SMS consent checkbox on an AMCFG form. The checkbox is unchecked by default and is not required to submit the form or obtain mortgage services.

By opting in, you authorize American Capital Financial Group LLC to send non-marketing text messages to the telephone number you provided. You represent that you are the subscriber or customary user of that number.

Consent to receive text messages is not a condition of purchasing or receiving any product or service.

Message frequency and charges

Message frequency varies according to your inquiry and application status. You may receive up to five messages per month during inquiry follow-up, with additional messages as reasonably necessary during an active mortgage application.

Message and data rates may apply. Contact your wireless carrier for information about your messaging or data plan.

Opting out

You may cancel SMS messages at any time by replying STOP to any AMCFG text message. We may send one final confirmation message acknowledging your opt-out. After that confirmation, you will no longer receive messages through this SMS program unless you affirmatively opt in again.

Help

Reply HELP to any AMCFG text message for assistance. You may also contact us at:

American Capital Financial Group LLC

5010 Nicholson Lane, Suite 100

Rockville, MD 20852

Phone: (301) 825-9167

Email: info@amcfg.com

NMLS #1553990

Carrier responsibility

Wireless carriers are not responsible for delayed or undelivered messages. Message delivery is subject to your carrier’s network availability.

Privacy

We handle personal and mobile information according to our Privacy Policy (https://www.amcfg.com/privacy-policy). SMS opt-in information and consent will not be shared with third parties for their own marketing or promotional purposes.

Changes to these terms

We may update these SMS Terms from time to time. Any revised terms will be posted on this page with an updated effective date. Material changes affecting the SMS program may also be communicated through an appropriate notice.

Mortgage disclaimer

Text messages, website content, and communications from AMCFG are not a mortgage approval, preapproval, commitment to lend, rate lock, or guarantee of loan terms. Mortgage eligibility and terms depend on applicable underwriting, documentation, credit, property, lender, and loan-program requirements.

HighLevel requires the Terms page to identify the sender, describe messages, explain frequency and charges, provide STOP and HELP instructions, address carrier liability, and link to the Privacy Policy.

HighLevel’s current requirements (https://help.gohighlevel.com/support/solutions/articles/155000007237).