Last updated: September 5, 2023
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.
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 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.
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.
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
14.3 Choice of Law; Forum
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.
14.5 Entire Agreement
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.
Last updated: September 5, 2023
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.
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.
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.
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.
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 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:
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.
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.
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 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]
You may opt out of some promotional or information sharing options the following ways:
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:
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|
|Biometric Information: preferences, trends, abilities, predispositions, characteristics, behaviors.||Yes||No|
|Network activity information: Browsing history, search history, interaction with a website, application or advertisement||Yes||No|
|Geolocation data: physical location of device||Yes||No|
|Professional or employment related information: Current or past job history.||Yes||No|
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.
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 its 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:
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.
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: