Freedom Financial Network, LLC. Website Terms of Use
Last updated: November 5, 2020
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and affiliates (“Freedom”) websites and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you.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.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.
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).
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.
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.
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.
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:
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.
Text DOM123 to 66598 to receive informational alerts and notifications from Freedom. Msg&DataRatesMayApply
For additional information, text HELP to shortcode 66598. You may opt out at anytime by sending STOP to shortcode 66598. Contact us at 800-655-6303 or [email protected].
SMS/MMS Terms and Conditions
Subscription Service available on most carriers including U.S. Cellular, AT&T, Cellular One, T-Mobile, Sprint, Boost, MetroPCS, Verizon Wireless, Alltel Wireless and Virgin Mobile. Msg&Data Rates May Apply. Requires text-enabled handset. You may cancel your subscription by texting STOP to 66598. You can also get info directly on your phone by texting HELP to 66598 or contacting us at 800-655-6303. Service will continue until customer cancels.
Carriers are not responsible for delayed or undelivered messages.
Last updated: October 27, 2022
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.
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 check this page periodically to stay informed about how we help provide the 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:
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 sll 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.
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.
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.
Information we gather from you or third parties is used to:
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:
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.
Freedomfinancialnetwork.com takes the privacy and security of our visitors’ and members’ personal informationseriously. We maintain industry standard technicaland physical safeguards designed to safeguard your information. When you make personal informationavailable tous, we protect it both while transmittingfrom your browser to our servers and while stored on our systems through encryption standards withadvanced 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:
This Site may contain links to third-party owned and/or operated websites including, without limitation,websites owned and/or operated by Freedom’s serviceproviders and/or marketing partners. We are not responsible for the privacy practices or the contentofthosewebsites/companies. These third-party websitesand entities have separate privacy and data collection practices and Freedom has no responsibilityorliabilityrelating to them.
Freedom’s site is not directed or intended for individuals under 18 and does not knowingly solicit or collectinformation from visitors under 18.Visitors under 18 should not provide any personal identifiable information of any kind on our Site.Ifwe learnor are notified that we have collected any information on someone under 18, we will promptly remove the data from our system.
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.
Freedom relies on you to update and correct your personal information. If you find that our informationaboutyou is incorrect or incomplete and our Site does notpermit 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 e-mails from us, you can: a) click on “unsubscribe” in the footer of any e-mail message, or b) e-mail us at:[email protected], or c) call us at 800-655.6303.
Information Sharing
To opt out of information sharing, you can: a) email us at [email protected]or b) call us at 800-655.6303. We may or may not be able to honor your request if you have an account with us.
Text message/Push Notifications:
To opt out of text/push notifications, by replying “STOP” to the notification. Or you can call/emaiuas noteabove.
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:
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:
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 |
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 CCPA provides California residents with specific rights regarding their personal information. Following are those rights and how to exercise them:
You can request free of charge the following information covering the prior 12-months of your request:
The CCPA provides it’s residents the right to opt-out of our sale of your personal information to third parties.
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.
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:
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.
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.
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.
We will not discriminate against you for exercising any of your CCPA rights, including but not limited to: