This is the publicly archived copy of the Consumer Disclosure that Capital Kings shows borrowers inside the borrower portal the first time they electronically sign a document. The version below is the current version (v1). If we materially update the disclosure, prior versions will remain archived here and any active borrower will be asked to re-accept the new version before signing again.
Capital Kings, LLC ("Capital Kings," "we," "us," or "our") asks borrowers to sign certain documents electronically through the Capital Kings borrower portal at capitalkings.co/portal.html. Before you sign anything electronically with us, federal law (the Electronic Signatures in Global and National Commerce Act, 15 U.S.C. §7001 et seq., the "ESIGN Act") and Texas law (the Texas Uniform Electronic Transactions Act, Tex. Bus. & Com. Code §322, "UETA") require that we give you the disclosures below and that you affirmatively consent to use electronic records and signatures. This disclosure applies to every document we ask you to sign with Capital Kings eSign.
You have the right to receive a paper copy of any document we ask you to sign electronically, at no charge. To request a paper copy, email Micah at micah@capitalkings.co or call (281) 636-5682 with the name of the document and your mailing address, and we will mail one to you within a reasonable time.
You can withdraw your consent to sign documents electronically at any time, with no consequence to your existing relationship with Capital Kings. To withdraw consent, email micah@capitalkings.co and tell us you want to stop signing electronically.
Withdrawing consent does not affect the legal validity, enforceability, or binding effect of any document you already signed electronically before you withdrew. After you withdraw, we will send any further documents on paper, which may slow down the loan process because postal delivery and physical signing take longer than the in-portal flow.
If you consent in the borrower portal, your consent applies to all documents Capital Kings asks you to sign during your relationship with us, including (but not limited to):
Your consent does not extend to documents executed at loan closing (the mortgage note, the deed of trust, closing disclosures, etc.). Those closing documents are handled separately by your title company or closing attorney and have their own consent procedures.
To access, sign, and retain electronic records from Capital Kings, you need:
If your equipment or software changes in a way that means you can no longer access or retain electronic records from us, please email or call us using the information above and we will switch you to paper delivery for any remaining documents.
It is your responsibility to keep your email address and phone number current with Capital Kings so we can deliver electronic documents to you. You can update your contact information by signing into the borrower portal at capitalkings.co/portal.html or by emailing micah@capitalkings.co.
Capital Kings uses an in-house electronic signing service called Capital Kings eSign. When you sign a document electronically with us, we capture an audit trail that includes your identity (verified through your Capital Kings borrower account), your IP address, your device and browser, the local and UTC timestamps of the signature, and a tamper-evident cryptographic hash (SHA-256) of the unsigned document. We attach a Certificate of Completion to the signed PDF that documents this audit trail. We also store the audit trail in an immutable database log so that the signed record can be reproduced and verified.
Your electronic signature has the same legal effect, validity, and enforceability as a handwritten signature under the federal Electronic Signatures in Global and National Commerce Act (15 U.S.C. §7001 et seq., "ESIGN") and the Texas Uniform Electronic Transactions Act (Tex. Bus. & Com. Code §322, "UETA"). Capital Kings will not deny the legal effect of a signature solely because it is electronic.
When you click Sign for the first time on any document in the Capital Kings borrower portal, we will show you this disclosure inside the portal in a popup window and ask you to check a box confirming that you have read it, that you consent to receive disclosures and sign documents electronically, that you have the hardware and software described above, and that you understand you can withdraw consent at any time. Once you accept, we record the version number of the disclosure, the date and time you accepted, your IP address, and your account ID. You will not be asked to consent again unless we materially update this disclosure.
If you do not want to sign electronically, click Decline (Use Paper Instead) in the portal, then email or call us using the contact information below and we will send paper copies of any documents you need to sign.
We retain a copy of every electronically signed document, the Certificate of Completion, and the underlying audit trail for at least the retention period required by applicable law (mortgage broker records are generally retained for a minimum of three years from the date of the loan decision, and frequently longer). To request a copy of any document you signed with Capital Kings eSign, including the audit trail, email micah@capitalkings.co with the document name or your borrower portal account information and we will send it to you.
We may update this Consumer Disclosure from time to time. When we make a material change, we will increment the disclosure version, post the updated disclosure on this page, and prompt you to review and re-accept the new version inside the borrower portal before you sign any further documents. The version you previously accepted will remain valid for any documents you already signed under that version.
If you have questions about this disclosure, the documents we are asking you to sign, or your rights under the ESIGN Act or Texas UETA, contact us:
Capital Kings, LLC
Micah Foster, Owner / Managing Member
Cypress, TX (Houston Metropolitan Area)
Email: Micah@CapitalKings.Co
Phone: 281-636-5682
Website: CapitalKings.Co