Privacy Policy.
This Privacy Policy explains what information Cardinal & Oak collects when you contact us about your property, how we use that information, and how we protect it. We operate as a transparent Connecticut real-estate wholesaler. The principles below are consistent with that positioning: we collect the minimum we need to do our work, we tell you why, and we don't sell your information to anyone.
Information we collect
When you submit our intake form or call us, we may collect:
- Property information — address, approximate condition, the outcome you're hoping for, the situation (inherited, divorce, landlord, relocation) if you choose to share it.
- Contact information — name, phone, email.
- Consent records — your TCPA consent, timestamp, and IP address, captured at form submission. This is required for us to legally contact you by phone or text.
- Communication records — notes from our conversations, emails exchanged, and drafts of any purchase contract we share.
We do not collect Social Security numbers, bank account details, credit card information, or similar sensitive financial data during intake. If any party claiming to represent Cardinal & Oak asks you for those, they do not represent us.
How we use your information
- To respond to your inquiry — determine whether your property is a fit for a buyer in our network, prepare a purchase contract, and coordinate the transaction.
- To comply with applicable law — including Connecticut Public Act 25-168, which requires wholesalers to disclose certain information in writing and gives sellers a three-business-day cancellation right.
- To share with an end buyer — if we write a purchase contract with you, we share your property and contact information with the qualified cash buyer we're assigning to. That buyer is named in the contract before you sign.
- To engage a closing attorney — if you sign a contract, we share what the Connecticut attorney handling closing needs to prepare the deed, title work, and closing documents.
How we store and protect it
Intake submissions are received through Formspree, a reputable third-party form service. Emails and communications are stored in our Google Workspace account. Both providers use industry-standard encryption in transit and at rest. We retain your information for as long as is reasonably necessary to respond to your inquiry, complete a transaction if one occurs, and comply with legal retention obligations — typically no more than seven years after our last contact with you.
Your rights
- Access — you may request a copy of the information we hold about you.
- Correction — you may ask us to correct inaccurate information.
- Deletion — you may ask us to delete your information, subject to any legal obligations to retain it (for example, executed contracts must be retained for state recordkeeping purposes).
- Withdraw consent — you may withdraw your TCPA consent to be contacted at any time. Reply STOP to any text, ask to be removed from our list, or email us. We'll honor it.
Third-party services
Our website uses Formspree for form submissions and Google Fonts for typography. These services have their own privacy policies governing the information they may collect. We do not use advertising cookies, retargeting pixels, or cross-site tracking technologies on our site.
Connecticut-specific rights
Under Connecticut law, including the Connecticut Data Privacy Act, Connecticut residents have the right to know what personal information a business holds about them, to request deletion, and to opt out of the sale of their personal information. Cardinal & Oak does not sell personal information. To exercise any of these rights, email us at office@cardinalandoak.com.
Changes to this policy
We may update this policy from time to time. The "last updated" date reflects the most recent revision. Material changes will be posted on our homepage for at least thirty days.
Contact
Cardinal & Oak
A trade name of 1Financial Holding LLC
Hartford, Connecticut
office@cardinalandoak.com
(475) 374-1073