Terms of Service | Freedom Financial Network

These Website Terms of Use (including any document incorporated reference herein) for the Freedom Financial Network, LLC and any and all of its subsidiaries and affiliates (“Freedom”) websites and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.

PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES.

Eligibility; Privacy
The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES.
Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Use and any other document that is incorporated by reference herein, these Terms of Use shall control.
Freedom has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. Freedom’s Privacy Policy is hereby incorporated herein by reference.
Products and Services
Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, Freedom will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request.

By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution.
Modification of These Terms of Use
Freedom reserves the right to change, modify, add or remove portions of these Terms of Use at any time by posting amended Terms of Use. Please check these Terms of Use periodically for changes. Your continued use of any of the websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Use will be effective immediately and without further notice.
License Grants
Subject to your compliance with these Terms of Use, Freedom hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein.
Freedom expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites.
By using the websites, you hereby grant to Freedom a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including Freedom’s Privacy Policy).
Prohibited Conduct
By using the websites, you agree not to:
Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein;
submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure;
use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships.
Ownership & Proprietary Rights
The websites are owned and operated by Freedom. All content displayed on the websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the websites, all content contained on the websites is the property of Freedom and/or its third-party licensors. Except as expressly authorized by Freedom, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of such content.
Links to Third-Party Sites; Dealings with Third Parties
The websites may include links or references to other web sites owned or operated by third parties with which Freedom may have a relationship. Freedom has no control over such third party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk.
Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. Freedom is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort incurred as the result of such dealings.
By using the websites as directed, you are acknowledging that Freedom does not make credit decisions in connection with any product or service offered to you, does not recommend, endorse, warrant or guarantee the products or services of any third party and is not party to any discussions that you may have or agreement that you may make with any third party. Freedom does not charge anyone a fee to use the websites.
Termination; Exclusive Remedy
Freedom at any time, in its sole discretion, for any or no reason, and without penalty or liability, may terminate your use of the websites and terminate any session. Freedom may also in its sole discretion and at any time discontinue providing access to one or more websites. Any termination of access to the websites may be effected with or without prior notice, and Freedom will not be liable to you or to any third party for any such termination. Any suspected fraudulent, abusive or illegal activity may be referred to appropriate law enforcement authorities. Your sole and exclusive remedy with respect to any dissatisfaction with (i) the websites, (ii) any term or condition of these Terms of Use or (iii) any policy or practice of Freedom in operating any website is to terminate your access to and discontinuing use of the websites.
Indemnification
You agree to indemnify, save and hold Freedom and its contractors, employees, agents and its third party suppliers and business partners harmless from any claims, losses, damages and liabilities, including legal fees and expenses, arising out of your use or misuse of the websites, any violation by you of these Terms of Use or any breach of the representations, warranties and covenants made by you herein. Freedom reserves the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us and you agree to cooperate with Freedom’s defense of any such claims. Freedom will use reasonable efforts to notify you of any such claim, action or proceeding upon becoming aware of it.
No Warranty; Disclaimers
TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Freedom AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS DISCLAIM ALL WARRANTIES, STATUTORY, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT OF PROPRIETARY RIGHTS. NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM FREEDOM OR THROUGH THE WEBSITES WILL CREATE ANY WARRANTY NOT EXPRESSLY PROVIDED IN THESE TERMS OF USE.
THE USE OF THE WEBSITES IS AT YOUR SOLE RISK. THE WEBSITES AND ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES MADE AVAILABLE THROUGH THE WEBSITES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE,” “WITH ALL FAULTS” BASIS AND WITHOUT WARRANTIES OR REPRESENTATIONS OF ANY KIND EITHER EXPRESS OR IMPLIED.
NONE OF FREEDOM OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS WARRANT THAT ANY DATA, INFORMATION, COMMERCIAL CONTENT, THIRD-PARTY WEB SITES, PRODUCTS OR SERVICES OFFERED ON OR THROUGH THE WEBSITES OR ANY THIRD PARTY WEB SITES WILL BE UNINTERRUPTED OR FREE OF ERRORS, VIRUSES OR OTHER HARMFUL COMPONENTS OR THAT ANY OF THE FOREGOING, IF PRESENT, WILL BE CURED OR STOPPED. YOUR USE OF THE WEBSITES OR ANY THIRD PARTY WEB SITES IS AT YOUR OWN RISK AND YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGE TO YOUR PROPERTY (INCLUDING YOUR COMPUTER SYSTEM) OR LOSS OF DATA THAT RESULTS FROM THE USE OF SUCH WEBSITES.
Limitation of Liability
UNDER NO CIRCUMSTANCES, INCLUDING, BUT NOT LIMITED TO, NEGLIGENCE, WILL FREEDOM OR ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, RELIANCE OR EXEMPLARY DAMAGES (INCLUDING WITHOUT LIMITATION DAMAGES ARISING FROM ANY UNSUCCESSFUL COURT ACTION OR LEGAL DISPUTE, LOST BUSINESS, LOST REVENUES OR LOSS OF ANTICIPATED PROFITS OR ANY OTHER PECUNIARY OR NON-PECUNIARY LOSS OR DAMAGE OF ANY NATURE WHATSOEVER) ARISING OUT OF OR RELATING TO THESE TERMS OF USE OR THAT RESULT FROM YOUR USE OR YOUR INABILITY TO USE THE WEBSITES OR ANY THIRD-PARTY WEB SITE OR ANY OTHER INTERACTIONS WITH FREEDOM, EVEN IF FREEDOM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. APPLICABLE LAW MAY NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY OR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION OR EXCLUSION MAY NOT APPLY TO YOU. IN SUCH CASES, FREEDOM’S LIABILITY WILL BE LIMITED TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.
Release
BY YOUR USE OF ANY FREEDOM WEBSITE, YOU ARE AGREEING TO RELEASE AND DISCHARGE FREEDOM AND ITS THIRD PARTY SUPPLIERS AND BUSINESS PARTNERS AND EACH OF THEIR RESPECTIVE AGENTS, DIRECTORS, OFFICERS, EMPLOYEES AND ALL OTHER RELATED PERSONS OR ENTITIES FROM ANY AND ALL CLAIMS, DEMANDS, CAUSES OF ACTION, PROCEEDINGS, LIABILITIES, OBLIGATIONS, LEGAL FEES, COSTS AND EXPENSES OF ANY KIND OR NATURE, WHETHER KNOWN OR UNKNOWN, ARISING OUT OF OR IN ANY WAY CONNECTED WITH YOUR USE OF THE WEBSITES. IF YOU ARE A CALIFORNIA RESIDENT, YOU WAIVE CALIFORNIA CIVIL CODE SECTION 1542, WHICH SAYS, "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."
Dispute Resolution
In the event of a dispute between you and Freedom that arises out of these Terms of Use or any product or service you obtain through the websites (“Claim”), you and Freedom agree to resolve that Claim in accordance with the procedures set forth below or as we may otherwise agree in writing. Before resorting to these dispute resolution mechanisms, you must first contact us directly to seek a resolution. If, however, we are unable to resolve our differences informally, Freedom will consider reasonable requests to resolve the dispute through alternative dispute resolution procedures, such as mediation or arbitration, as alternatives to litigation.
For any Claim (excluding claims for injunctive or other equitable relief) where the total amount of the award sought is less than $10,000, either party may elect to resolve the dispute in a cost effective manner through binding non-appearance-based arbitration. In the event a party elects arbitration, they shall initiate such arbitration through an established alternative dispute resolution ("ADR") provider chosen by the party seeking arbitration. The ADR provider and the parties must comply with the following rules:
- the arbitration shall be conducted by telephone or online and be solely based on written submissions, the specific manner to be chosen by the party initiating the arbitration;
- the arbitration shall not involve any personal appearance by the parties or witnesses unless otherwise mutually agreed by the parties; and
- any judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
Miscellaneous
14.1 Notice
Freedom may provide you with notices by e-mail, regular mail or postings on any website. Notice will be deemed given twenty-four hours after e-mail is sent, unless Freedom is notified that the e-mail address used is invalid. Alternatively, Freedom may give you legal notice by mail to a postal address, if provided by you through any website. In such case, notice will be deemed given three (3) calendar days after the date of mailing.

All notices to Freedom must be made in writing and mailed to:

Freedom Financial Network, LLC.
1875 South Grant Street, Suite 450
San Mateo, CA 94402
Attn: General Counsel

14.2 Waiver and Severability of Terms
The failure of Freedom to exercise or enforce any right or provision of these Terms of Use shall not constitute a waiver of such right or provision. Any waiver of any provision of these Terms of Use will be effective only if in writing and signed by Freedom. If any provision of these Terms of Use is found by a court of competent jurisdiction to be invalid, the other provisions of these Terms of Use shall remain in full force and effect and the parties agree that such court should endeavor to give effect to the parties’ intentions.
14.3 Choice of Law; Forum
These Terms of Use shall be governed in all respects by the laws of the State of California as they apply to agreements entered into and to be performed entirely within California between California residents, without regard to conflict of law provisions.
Any claim or dispute you may have against Freedom must be resolved by a court located in San Mateo County, California, except as otherwise agreed by the parties or as described in Paragraph 13. You agree to submit to the personal jurisdiction of the courts located within San Mateo County, California for the purpose of litigating all such claims or disputes.
All claims filed or brought contrary to either Section 13 or this Section 14.3 shall be considered improperly filed. Should you file a claim improperly, Freedom may recover reasonable attorneys’ fees and costs, provided that Freedom has notified you in writing of the improperly filed claim and you have failed to withdraw the claim promptly.
14.4 Assignment
You may not transfer or assign any of your rights and obligations under these Terms of Use without the express prior written consent of Freedom, give in its sole discretion. However, you acknowledge and agree that Freedom may freely and without restriction or limitation assign or transfer any of its rights and obligations under these Terms of Use.
14.5 Entire Agreement
These Terms of Use and any document incorporated by reference herein constitute the entire agreement between you and Freedom and govern your use of the websites, superseding any prior agreements between you and Freedom. Notwithstanding the foregoing, you also may be subject to additional terms and conditions that may apply when you use or purchase certain products and/or services provided by Freedom or one of Freedom’s third party business partners.
14.6 Survival
The following paragraphs shall survive termination or your refusal to continue to use the Service: 4, 6, 7, 8, 9, 10, 11, 12, 13 and 14.
PLEASE PRINT AND RETAIN A COPY OF THESE TERMS OF USE FOR YOUR RECORDS.

Privacy Policy

Freedom Financial Network Privacy Policy Printer Friendly Version Freedom Financial Network Privacy Notice Printer Friendly Version

Last updated: September 5, 2023

Welcome and thank you for your interest in Freedom Financial Network, LLC ("Site"). The Site is the property of Freedom Financial Network, LLC ("Freedom", "we,""us" or "our"). This (Freedom Financial Network, LLC) Privacy Policy applies to this Site and any other site and mobile apps owned and operated by Freedom Financial Network, LLC and its wholly owned affiliates (collectively "Freedom", "we", "our" or "us").

This Policy is provided to communicate how we and our affiliates collect, protect, use, share and retain your personal information when visiting our Site.

Please read this Policy before using our Site as continued navigation constitutes your agreement to the term of this policy.

Changes to this Privacy Policy

Freedom reserves the right to update this privacy policy at any time. When we make changes, we will revise the date at the top of this page. Changes will be effective when posted unless otherwise indicated. We encourage you to check this page periodically to stay informed about how we help provide the information we collect.

Personal Information We Collect

For the purposes of this Privacy Policy, "personal information" shall mean individually identifiable information from or about an individual.

We collect personal information from you when you visit, interact or register on our website and apps, respond to an advertisement on third party websites or call us. We may collect the following information:

Information you provide: email address, full name, telephone number, date of birth, address, employment, salary, etc.
Information from third parties: credit reporting data (accounts, pay history, balances), lead generation data.
Participation in contests or surveys: We collect personal information such as name, address, email address and phone number when you participate in contests or fill out surveys sponsored by us or our affiliates. Survey information collected may include characteristics, preferences, behaviors, attitudes, ability, intelligence predispositions, etc. We collect this information in order to improve our services, products and to improve our members’ experience with us.
Information from cookies or other tracking technologies:
- Cookies are small blocks of data created by a web server while a user is browsing a website. This data is stored on your hard drive containing non-personally identifiable information about you. This data functions as your computer’s identification and enables us to improve your experience by maintaining your authenticated session and preferences. We and our third party vendors use “cookies” and similar tools to track your use of the Website when you use our services. Our systems automatically log information about your computer, tablet or phone.
  You may choose to set your web browser to notify you when you receive a cookie or refuse cookies altogether. If you do so, some parts of the Site may not function as intended.
  We reserve the right to transfer and/or sell aggregate or group data about Users of the Site Offerings for lawful purposes. Aggregate or group data is data that describes the demographics, usage and other characteristics of Site Offerings Users as a group, without disclosing personally identifiable information.
- Internet, device or other activity
  We may collect certain non-personally identifiable information about you and your desktop computer, tablet or mobile device when you visit the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use, your IP address, the type of operating system that you use and the domain name of your Internet service provider. We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your experience. We also may use this information in the aggregate to analyze usage of the Site.
- Referring exit pages/Advertising
  Freedom, as well as third party entities such as Google®, use cookies, pixels and other tracking technology (collectively, “tracking technology”) in connection with the Site for purposes of tracking Users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site. Freedomfinancialnetwork.com, and its third-party partners, use this tracking technology to target applicable Users with advertisements featuring products/services we offer, as well as third-party products/services that may be of interest to applicable Users. In addition, Freedomfinancialnetwork.com uses a third party service called Hotjar in order to better understand our Users’ needs and to optimize our offerings. Hotjar is a technology service that helps us better understand our Users’ Site-related experience (e.g. how much time they spend on which Site pages, which links they click on, what Users do and do not like, etc.) and this enables us to build and maintain our offerings. Hotjar uses cookies and other technology to collect data on our Users’ behavior and their devices (in particular, the various devices’ IP addresses (captured and stored only in anonymized form), device screen size, device type, browser information, geographic location (country only) and preferred language used to display our website). Hotjar stores this information in a pseudonymized User profile. Neither Hotjar nor Freedomfinancialnetwork.com will ever use this information to identify individual Users or to match this information with additional data on an individual User.
  In general, Users may be able to disable some, or all, of this tracking activity by utilizing the “Do Not Track” setting or similar options within most major Internet browsers.
  Users can opt-out of certain Google^®-related tracking technology, and customize the Google^®Display Network ads that they receive, by visiting the Google^® Ads Settings at: https://adssettings.google.com/
  Google^® also recommends installing the Google^®Analytics Opt-out Browser Add-on for your web browser, which is available here:https://tools.google.com/dlpage/gaoptout
  To the extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site.
  Google^® is a registered trademark of Google, Inc. (“Google”). Please be advised that Freedom is not in any way affiliated with Google, nor are the Site Offerings endorsed, administered or sponsored by Google.

Use of Your Personal Information

Information we gather from you or third parties is used to:

Inform you about products or services we think you will be interested in
Facilitate the use of our Site
Improve our Site, product offerings or services
Consider you for the products/services we offer
Verify your eligibility, identity
Contact you regarding your inquiry, account or employment opportunities
Process payments on your behalf
Create and maintain login information for our Site
Monitor, conduct, improve analytics on our products, services and offerings
Internal administrative, security, relationship management
Send push notifications
Detect and protect against security incidents, malicious, deceptive, fraudulent or illegal activity

Sharing your Personal Information

Freedom shares your personal information with unaffiliated third parties as permitted or required by law. We may share your personal information with our affiliated or unaffiliated third parties as part of joint marketing campaigns.

We may also provide your information to third-party companies and individuals who perform certain functions on our behalf. When we share your information with service providers, we require the security and confidentiality of your information as well as limiting their use of the information to reasonably carry out their work with us, including to comply with applicable state and federal laws. Third parties we may share your information with include:

Affiliates to market/consider you for their products/services
Servicing partners to provide statements, process payments
Financial Institutions who partner with us for products and services we offer
Marketing service providers to send direct and electronic mail, remove duplicate information from User lists, analyze data and provide marketing analysis
Other financial service third parties for their marketing purposes as permitted by law (for California or Vermont residents we will not sell or share your personal information for to nonaffiliated marketing third parties without your consent)
Auditors, examiners, law enforcement
Credit reporting agencies

These companies’ privacy and information sharing practices are set forth in their respective privacy policies.

We may also transmit information between and among our affiliates, services providers, or contractors who may be located in facilities in other countries. We take precautions to protect your information and abide by the laws of the country to which we first received your information. Transfer of information to other countries may subject your personal information to the laws of that country, thus if permitted by law, may be accessible without notice to you by the courts, law enforcement and national security authorities of that country. By using our Site or agreeing to use our products and services you acknowledge the collection, international transfer, storage and processing of your information in other countries.

Further, personal information may be disclosed or transferred as part of any merger, consolidation, sale of assets, equity financing or other situations where personal information may need to be transferred.

Protecting your Personal Information

Freedomfinancialnetwork.com takes the privacy and security of our visitors’ and members’ personal information seriously. We maintain industry standard technical and physical safeguards designed to safeguard your information. When you make personal information available to us, we protect it both while transmitting from your browser to our servers and while stored on our systems through encryption standards with advanced TLS (Transport Layer Security). Facilities where our systems are located can only be accessed by authorized individuals.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols or data transmission over the internet or wireless networks can be guaranteed to be 100% secure. As such, we cannot warrant that your personal information will be absolutely secure.

You can also take precautions to keep your information safe. Following are some methods that can help:

Be cautious when using public networks or computers. Make sure to completely log out of accounts and clear caches after use.
Choose complex passwords
- Don’t use things related to birthday, address, phone or any PIN

Third-Party Websites

This Site may contain links to third-party owned and/or operated websites including, without limitation,websites owned and/or operated by Freedom’s service providers and/or marketing partners. We are not responsible for the privacy practices or the content of those websites/companies. These third-party websites and entities have separate privacy and data collection practices and Freedom has no responsibility or liability relating to them.

Minors

Freedom’s site is not directed or intended for individuals under 18 and does not knowingly solicit or collect information from visitors under 18. Visitors under 18 should not provide any personal identifiable information of any kind on our Site. If we learn or are notified that we have collected any information on someone under 18, we will promptly remove the data from our system.

Visiting our Website from Outside the United States

The freedomfinancialnetwork.com site is intended to provide products and services inside the U.S and is governed by the laws of the U.S. If you are visiting the Site from outside the U.S., your communication with us may result in the transfer of your to leave your country. By visiting the Site and/or otherwise communicating electronically with us, you consent to such transfers, even if your jurisdiction does not have the same privacy laws as the jurisdiction where our servers are located, we will treat your information as subject to the protections of U.S. Law, this Policy and our Consumer Privacy Notice.

Changing or Updating your Information

Freedom relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete and our Site does not permit you to update or correct certain information, contact us:

Phone: 800-655.6303Email: [email protected]

Opt-Out/Unsubscribe:

You may opt out of some promotional or information sharing options the following ways:

Promotional emails:
To opt-out of receiving emails from us, you can:

click on “unsubscribe” in the footer of any email message,
e-mail us at: [email protected], or
call us at 800-655.6303

Information Sharing
To opt out of information sharing, you can:

email us at [email protected], or
call us at 800-655.6303

We may or may not be able to honor your request if you have an account with us.

SMS messages/Push Notifications
When you opt-in to the SMS service, Freedom will send you a message to confirm your signup. Freedom SMS campaigns are sent to opted-in subscribers for the purposes of marketing, program updates and account notifications. Message frequency varies. Message and data rates may apply. Text "HELP" to 480-520-1797 for help.

You can cancel this service at any time. Just text "STOP" to 480-520-1797. After you send the message "STOP" we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive messages from us. If you want to join again, text START to 480-520-1797 and we will start sending messages to you again. Message frequency varies. Message and data rates may apply.

For all questions about the services provided, you can contact:
[email protected]800-655-6303

Notice to California Residents

This section applies solely to California residents and supplements, and in no way limits, thePrivacyPolicyset forth above. This notice is being provided byFreedom Financial Network and its wholly owned affiliates (collectively “Freedom”, “we”, “our”, or“us”).

These Provisions are intended to be in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in these Provisions. This notice explains how/what personal information we collect, use and share of the personal information collected and the rights and choices for California Residents with respect to our handling of their personal information.

This notice does not include personal information in relation to:

Publicly available information from government records.
De-identified or aggregated User information.
Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-LeachBliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Notice of Collection of Personal Information

The personal information we collect depends on California residents’ interactions with us. Following are the types of interaction and the information we may collect:
Types of interaction:

Website and Mobile App Use and Registration
Applying for Products or Services
Participation in Surveys and Contests
Communicating with Us

Category of Personal Information	Collected	Sold	Disclosed for a Business Purpose
Identifiers: Full Name, Social Security Number, Email address alias, postal address, Internet Protocol address, email address, account name, telephone number, username, password or other similar identifiers, driver’s license, passport or other similar data.	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Financial data: Bank account, credit or debit card number, transactions	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Protected Classification Characteristics under state and federal law: age, race, sec, religion, national origin and marital status.	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Commercial Information: records of personal property, products or services obtained.	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Biometric Information: preferences, trends, abilities, predispositions, characteristics, behaviors.	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Network activity information: Browsing history, search history, interaction with a website, application or advertisement	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Geolocation data: physical location of device	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law
Professional or employment related information: Current or past job history.	Yes	No	Marketing partners, banking partners, government entities, law enforcement, auditors, examiners, lawyers and other parties as required by law

Use of Personal Information

Information collected is used to personalize your experience on our Site, improve your experience with our Site, products and services, to advertise to you, recognize you on subsequent visits, verify your identity, evaluate you for certain products/services, build a better member experience, improve member relationship protocols, fulfill contract obligations with you, to respond to inquired from you, testing, research, analysis, product development, respond to law enforcement, court orders or governmental examiners and to train and educate employees for compliance purposes.

We may also supplement the information you provide or that we gather from your interaction with our Site by using third party sources such as credit bureau information and address/phone information to verify your identity and to protect you against fraud or identity theft.

The consent you provide us to receive SMS messages does not permit unaffiliated third parties to send you SMS messages for marketing/promotional purposes.

California Residents Rights and Choices

The CCPA provides California residents with specific rights regarding their personal information. Following are those rights and how to exercise them.

Right to Know Access

You can request free of charge the following information covering the prior 12-months of your request:

The categories of personal information we collected about you
The categories of sources for the personal information we collected about you
Our business purpose for collecting or selling that personal information
The categories of third parties with whom we have shared that personal information
The specific pieces of personal information we collected about you (also called a data portability request)
The categories of information that we sold in the prior 12 months, and for each category, the categories of third parties to which we sold that particular category of personal information
The categories of information that we disclosed for a business purpose in the prior 12 months and for each category, the categories of third parties to which we disclosed that particular category of personal information

Right to Opt-Out of the Sale of Your Personal Information

The CCPA provides its residents the right to opt-out of our sale of your personal information to third parties.

Right to Request Deletion

You have the right to request that we delete your personal information that we collected from you and retained, subject to certain exceptions. Once we receive your request and confirm your identity, we will review your request to delete your personal information from our (their) records, unless a CCPA exception applies.

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our obligations in connection with our contract with you.

Please be advised that deleting your personal information may terminate your access to certain of the Site Offerings. If you wish to continue using the full complement of Site Offerings, we may not be able to delete all of the personal information that we have on file for you.

Further after we delete your personal information, residual copies may take a period of time before they are deleted from our active servers and may remain in our backup systems.

How to Exercise your Rights

If you wish to exercise any of your CCPA rights noted above or have any questions or comments about this privacy policy, the ways in which we collect and use your personal information, or your choices and rights regarding such use, please contact us by either:

Calling us at: 800-655-6303
Emailing us at: [email protected]

We will respond to your request within the provisions allowed by CCPA; in no event later than 45 days of the receipt of your request, unless we notify you of any delay otherwise.

Submitting Requests for Someone Else

California residents can utilize an “Authorized Agent” to make requests on their behalf. We will require that the Authorized Agent provide us with a valid written authorization confirming said authority that is executed by you and the Authorized Agent.

Identity Verification

When you make any CCPA request, we are required to verify your identity before providing a response to the request. We will ask you to verify your identity when you submit a request, including any Authorized Agent’s identity.

Right to Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights, including but not limited to:

Deny you goods or services
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties
Provide you a different level or quality of goods or services
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services

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