Privacy Policy

1. Information We Collect

We may collect the following categories of information when you use our website or contact us:

• Personal identifiers: name, phone number, email address, and mailing address.
• Financial information: income, outstanding debt amounts, and credit-related data obtained through a soft credit inquiry.
• Device and usage data: IP address, browser type, operating system, pages visited, and cookies or similar tracking identifiers.
• Call recordings: phone calls may be recorded for quality assurance and training purposes, with your consent where required by law.

2. How We Use Your Information

• To process your rate check and evaluate your pre-approval eligibility.
• To connect you with a dedicated debt consolidation specialist.
• To communicate with you regarding your inquiry and related offers.
• To improve our website, services, and customer experience.
• To comply with applicable legal and regulatory obligations.

3. How We Share Your Information

• Lending partners: to match you with debt consolidation offers tailored to your financial profile.
• Service providers: third parties that assist us with hosting, analytics, customer relationship management, and call center operations.
• Legal and regulatory: when required by law, subpoena, court order, or government request.

We do not sell your personal information to unaffiliated third parties for their own marketing purposes.

4. Your Privacy Rights

Depending on your state of residence, you may have the following rights:

• California (CCPA/CPRA): Right to know, delete, correct, and opt out of the sale or sharing of your personal information.
• Virginia, Colorado, Connecticut, and other states: Similar rights to access, delete, and opt out of targeted advertising.

To submit a privacy request, contact us using the information in Section 10 below. We will verify your identity and respond within 45 days.

5. Cookies and Tracking Technologies

• Essential cookies: necessary for site functionality.
• Analytics cookies: help us understand how visitors use our site.
• Marketing pixels: used for retargeting and measuring advertising effectiveness.

You can manage cookie preferences through your browser settings or opt out through the Digital Advertising Alliance (DAA) or Network Advertising Initiative (NAI) opt-out tools.

6. Data Retention

We retain inquiry data for up to 36 months unless you request earlier deletion. Call recordings are retained in accordance with applicable state law.

7. Data Security

We use industry-standard safeguards including SSL/TLS encryption in transit, encrypted storage at rest, and access controls limiting data access to authorized personnel. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security.

8. Children’s Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us so we can delete it.

9. Changes to This Policy

We may update this Privacy Policy from time to time. Material changes will be communicated through a notice on our website. The effective date at the top of this page indicates when the policy was last revised.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at: