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AST DefeasanceRate Cap Advisors
Legal

Privacy Policy

Effective Date: May 1, 2026

On this page · 10 sections
  1. 01Information We Collect
  2. 02How We Use Information
  3. 03Cookies & Analytics
  4. 04Information Sharing
  5. 05Data Security
  6. 06Email Communications
  7. 07Third-Party Links
  8. 08Children’s Privacy
  9. 09Changes to This Policy
  10. 10SMS Terms & Conditions

AST Defeasance & Rate Cap Advisors (“AST,” “we,” “our,” or “us”) respects your privacy and is committed to protecting your information.

Information We Collect

We may collect:

  • Name
  • Company name
  • Email address
  • Phone number
  • Loan or transaction-related information submitted through calculators or forms
  • IP address
  • Browser/device information
  • Website usage analytics
  • Cookies and tracking data

How We Use Information

We may use collected information to:

  • Provide calculator functionality and analytics
  • Respond to inquiries
  • Send market updates or newsletters
  • Improve Website functionality
  • Analyze Website usage and performance
  • Maintain security and prevent misuse

Cookies & Analytics

The Website may use cookies, analytics tools, and tracking technologies including Google Analytics, HubSpot, or similar services to improve user experience and marketing effectiveness.

Information submitted through the Website, including phone numbers, may be stored in service providers such as HubSpot that process it on our behalf. They do not use it for their own marketing.

Users may disable cookies through browser settings.

Information Sharing

We do not sell personal information.

We may share information:

  • With service providers assisting Website operations
  • When required by law
  • To protect our legal rights or security

Data Security

We implement reasonable administrative, technical, and organizational safeguards to protect information. However, no online transmission or storage system can be guaranteed fully secure.

Email Communications

Users who subscribe to newsletters or submit contact forms may receive market updates, educational materials, and promotional communications. Users may unsubscribe at any time.

Children’s Privacy

The Website is not intended for children under 13 years of age.

Changes to This Policy

We may update this Privacy Policy periodically without prior notice.

SMS Terms & Conditions

We do not sell or rent your personal information to third parties. We do not sell, rent, release, or transfer your SMS consent or phone number to any third party for any third party marketing purposes.

SMS consent is not shared with third parties or affiliates.

1. SMS Consent Communication

The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications

If you have consented to receive text messages from AST Defeasance, you may receive messages related to the following:

  • Appointment reminders
  • Follow-up messages
  • Inquiries

3. Message Frequency

Message frequency may vary depending on the type of communication.

4. Potential Fees for SMS Messaging

Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method

You may opt-in to receive SMS messages from AST Defeasance by:

  • Verbally, during a conversation

6. Opt-Out Method

You can opt out of receiving SMS messages at any time. To do so, simply reply “STOP” to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

7. Help

If you are experiencing any issues, you can reply with the keyword HELP.

8. Standard Messaging Disclosures

  • Message and data rates may apply.
  • You can opt out at any time by texting “STOP.”
  • For assistance, text “HELP” or visit our website.
  • Message frequency may vary.