Online Privacy Policy

Last Updated: May, 2026

Consumer Finance Review ("our" or "us") provides debt relief services and believes trust and customer care are central to our business.

Consumer Finance Review takes its responsibility to protect your personal information seriously. This includes a commitment to transparency and fairness in our collection and processing of your personal information.

This Privacy Policy provides relevant information about how Consumer Finance Review may collect, use, disclose and secure your personal information when you interact with us through our website (https://consumerfinancereview.com/) ("the Site"), over the phone, and/or through other means, including, without limitation, Consumer Finance Review mobile apps and online media (collectively, the "Services"), and how you may exercise your applicable privacy rights. Nonpublic personal information ("NPI") we may obtain from or about you in connection with a financial product or service is subject to our GLBA Privacy Notice.

By providing your personal information to us, you consent to the use of that information as described in this Privacy Policy. Your use of our Site and/or Services, and any dispute over privacy, is subject to this Privacy Policy and our Terms of Use incorporated by reference into this Privacy Policy.

Important Communications Notice: Please note that calls and other communications with Consumer Finance Review and its representatives may be monitored and recorded, including by third parties. Phone calls and text (SMS) messages may involve the use of automated dialing systems, artificial/AI voice and chat bots, auto-selected and prerecorded messages, answering machine detection, and ringless voicemail technology. Consent is not required for purchase and message and data rates may apply. You may opt-out of communications with us at any time by replying "STOP" to a text message or by contacting support@consumerfinancereview.com. Further information about how your personal information may be used is set forth below.

Updates to This Privacy Policy

This Privacy Policy does not create a contractual obligation on our part, and we may amend this Privacy Policy at our discretion. If we make any material changes, we will revise the date at the top of this Privacy Policy and, in some cases, may provide you with additional notice.

We encourage you to review our Privacy Policy whenever you visit the Site or otherwise interact with us to stay informed about our privacy practices.

Collection of Personal Information

We may collect or obtain the following categories of personal information through this Site and/or Services, directly or indirectly, or by other means, including as may be provided by third parties, and including via any email message, phone call, text (SMS) message, web form, online chat box, online portal, survey, social media page, conference or event, or other communication or correspondence:

Uses of Personal Information

We may use personal information collected about you for the following purposes:

• Presenting the Site and its contents to you;
• Processing transactions, including billing and payment;
• Performing a contract with you;
• Providing our Services and related activities;
• Managing, operating, and administering our business;
• Communicating by email, phone, and text message (including by pre-recorded messages and AI bots), and other means for sales and informational purposes;
• Providing support;
• Sending appointment reminders and confirming or scheduling interactions with us;
• Verifying your qualification or eligibility for services and promotions, including credit pulls;
• Business insights and product development, including improving our sales and marketing;
• Monitoring and analyzing trends, usage, activities, and tracking interactions;
• Conducting surveys and research on consumer demographics, interests, and behavior;
• Providing and serving advertising on our Site and unaffiliated websites and services;
• Sales and marketing, including developing and sending you direct marketing, such as advertisements and communications about our and other parties" products, offers, promotions, rewards, events, and services;
• Evaluating and processing applications for employment;
• Detecting and preventing abuse, security threats, and illegal activities, including suspected fraud;
• Complying with applicable legal and regulatory requirements, including legal process and government requests;
• Engaging in corporate transactions involving our business;
• Notifying you regarding updates, security alerts, and changes to the Site, Online Terms of Site, and Privacy Policy; and
• For any other purpose disclosed to you or upon your intention, direction, or consent.

Cookies and Third-Party Tools

Our Site uses various technologies and third-party tools ("TPTs"), including, but not limited to, cookies, pixels, web beacons, digital fingerprinting, session replay, and other technologies, which may be used to collect and/or share your information with third parties. A cookie file may store information on your device that can identify and track you when you visit the Site and other websites. The Site may use TPTs as a way to monitor your activity and interactions on the Site in order to improve your experience, remember your preferences, record usage, provide analytics, and for advertising and marketing purposes. In some cases, the data collected by TPTs will be used in other contexts and on other websites for identifying you for relevant advertising and other purposes. By interacting with our Site, you consent to our use of TPTs.

Commonly used web browsers provide certain features for you to manage your cookie preferences and disable or block cookies and TPTs. Users in certain jurisdictions may also be able to adjust their preferences including opting out of certain categories of cookies. Note that cookie preferences will only apply to the web browser used at the time your preferences are selected and may need to be reapplied each time you clear your web browser's cookie cache.

Do Not Track Signals

Under the California Online Privacy Protection Act ("CalOPPA"), we want to inform you about our "Do Not Track" ("DNT") request policy. DNT is a feature that some web browsers offer to allow users to send signals to websites so that no information about their browser session will be shared about their online activities over time and across third-party websites or online services. Our current Site may not address every such browser setting or preference. In particular, we have not implemented the necessary programming changes to honor "DNT" browser signals. Please return to this Privacy Policy for further updates on this topic.

Disclosure of Personal Information

We may disclose any category of personal information to the categories of recipients for the purposes described below:

International Transfer of Personal Information

Your personal information may be transferred to countries other than the country from which it originated. Such countries may have different or less protective privacy and data protection laws than the originating country. Where required, Consumer Finance Review ensures that international transfers of personal information are subject to an appropriate transfer mechanism or consent.

California Privacy Notice

This section supplements the Privacy Policy and applies only to residents of the state of California. (Note: NPI we may obtain about you is subject to our GLBA Privacy Notice, which describes your rights under the GLBA).

Categories of personal information we collect

We may collect, and have collected in preceding 12-months, the following categories of personal information for business and commercial purposes:

Categories of sensitive personal information we collect

We may collect, and have collected in preceding 12-months, the following categories of sensitive personal information for business and commercial purposes:

Retention period or criteria

Consumer Finance Review retains personal information for a period commensurate with the purposes for which the personal information was collected or obtained. For example, the criteria used to determine the retention of personal information includes any time necessary to complete a transaction or for legal and compliance, fraud prevention, or security purposes. Personal information may be retained in archival format (e.g., data backups) beyond its retention period so long as it is not subject to further access.

Personal information of minors

Consumer Finance Review has no knowledge of having collected the personal information of minors under 16 years of age.

California Privacy Rights

Under the California Consumer Privacy Act of 2018, as amended, and its respective implementing regulations (the "California Privacy Laws"), California residents may be entitled to certain privacy rights subject to certain exceptions and limitations, including:

• Right to Know. You may have the right to access the personal information collected about you, the sources from which such information was obtained, the categories of information that have been sold or disclosed for a business purpose, and the commercial purpose for which the information was collected or sold, provided to you in a reasonably portable format.
• Deletion. You may have the right to request that we delete any of the personal information we have collected or maintain about you.
• Correction. You may have the right to correct inaccuracies in your personal information.
• Opt-out of the "Sale" and "Sharing" of Personal Information. You may have a right to opt-out of the "sale" and "sharing" of your personal information.
• Sensitive Personal Information. You may have the right to opt-out of the use and disclosure of your sensitive personal information in certain circumstances.
• Restrict Profiling. You may have the right to restrict the use of your personal information for the purposes of profiling.
• Portability. You may have the right to obtain a copy of certain personal information in portable (e.g., machine readable) format.
• Opt-out of Automated Decision-making. You may have the right to opt-out to certain types of automated decision-making, subject to certain exceptions.
• Non-Discrimination. You may have the right to not be discriminated against in the event you exercise your California privacy rights, such that you will not be denied goods or services, charged a higher rate, or provided with lower quality products or services.

Exercising your rights under the California Privacy Laws

You, or an authorized agent, may exercise your rights by submitting the appropriate form (Customer Inquiry, Deletion or Correction Request Form and/or Do Not Sell or Share My Personal Information Form) or by calling toll-free (800) 300-9550. Unless otherwise required by law, Consumer Finance Review will allow two disclosure requests per 12-month period at no cost to you. For subsequent requests, we may charge a fee if we determine that the request is excessive, repetitive, or manifestly unfounded, but will not do so without providing you with a cost estimate before processing your request.

We respond to legitimate privacy requests within 10 days of receipt and process requests within 45 days unless there is cause for an extension. We will notify you with further information if any extension is necessary. Except with respect to requests to "opt-out" of the sale or sharing of personal information, all privacy requests are subject to proper prior verification before processing. Typically, this means you will be required to verify certain pieces of information we maintain about you, such as name, phone number, date of birth, transaction details, or other information. Requests involving a high risk to personal information may require completion of a Sworn Declaration.

If you are the authorized agent of an individual making a request, you may have to take additional steps to verify your identity and demonstrate that you can exercise the individual's rights on their behalf.

Do not sell or share my personal information

Consumer Finance Review does not "sell," but may "share," and has shared personal information in the preceding 12-months, including personal identifiers, internet or electronic activity information, and unique device identifiers, for cross-context behavioral advertising.

Opt-out of the sharing of personal information

To opt-out of the sharing of your personal information, please email us at support@consumerfinancereview.com.

Please note that your opt-out choices may only apply to this specific web browser and persist only until the opt-out cookie is removed or "cleared" from your web browser, e.g., by clearing cookies in your browser settings.

Opt-out preference signals

Our Site has been configured to respond to web browser universal opt-out mechanisms, including Global Privacy Control. While we are using industry-standard technologies to comply with universal opt-out mechanisms, given the newness of this technology, including potentially different protocols adopted by web browsers, we encourage you to double check that your opt-out requests are being properly processed by our Site and to notify us at support@consumerfinancereview.com if you believe that our Site is not responding to your browser request.

Your Privacy Rights: California "Shine the Light" Law

Consumer Finance Review does not share personal information, as defined by Cal. Civ. Code " 1798.83, with third parties for their own direct marketing purposes.

U.S. State Consumer Privacy Rights

Residents of certain U.S. states may have the following rights:

• Access. You may have the right to access the personal information collected about you.
• Deletion. You may have the right to request that we delete any of the personal information we have collected or maintain about you.
• Correction. You may have the right to correct inaccuracies in your personal information.
• Opt-out of the "Sale" of Personal Information or its Use for Profiling or Targeted Advertising. You may have a right to opt-out of the "sale" of your personal information, profiling, and/or the use of your personal information for targeted advertising.
• Sensitive Personal Information. You may have the right to consent (opt-in) prior to the use and disclosure of your sensitive personal information in certain circumstances.
• Portability. You may have the right to obtain a copy of certain personal information in portable (e.g., machine readable) format.
• Opt-out of Automated Decision-making. You may have the right to opt-out to certain types of automated decision-making, subject to certain exceptions.
• Non-Discrimination. You may have the right to not be discriminated against in the event you exercise your privacy rights.

Exercising your U.S. state consumer privacy rights

You, or an authorized agent, may exercise your rights by submitting a request via the appropriate form (Customer Inquiry, Deletion or Correction Request Form and/or Do Not Sell or Share My Personal Information Form).

Opt-out of the sale of personal information and its use for targeted advertising

Consumer Finance Review does not "sell" personal information, but may use it for targeted advertising. To opt-out of targeted advertising, please email us at support@consumerfinancereview.com.

SMS Privacy Policy

With your consent, we may send you SMS notifications to your mobile phone number, subject to our applicable Terms and Conditions. These text communications may be processed, monitored, or recorded by us and our service providers, and may include the use of automated technologies, including AI agents.

Consumer Finance Review respects your privacy. We do not sell, rent, or share your mobile phone number or other mobile-related information with third parties or affiliates for their own marketing or promotional purposes. Text messaging originator opt-in data, consent records, and related SMS consent information will not be sold or shared with any third parties, except as necessary to provide and support our text messaging services, including through service providers acting on our behalf. We will use your mobile phone number and the information you provide only for purposes related to the SMS program and the delivery and support of text message communications.

SMS communications may be sent, received, transmitted, monitored, or recorded by Consumer Finance Review and its service providers in connection with operating the SMS program.

Notwithstanding the foregoing, we may disclose information as necessary to comply with applicable law, regulation, legal process, or governmental request, to enforce our rights, to protect our property, to protect the safety of others, or to avoid liability.

When you submit information online or otherwise provide information in connection with the Service, you agree to provide accurate, current, complete, and truthful information. You agree not to use a false or misleading name or a name that you are not authorized to use. If we determine, in our sole discretion, that any information you provide is false, inaccurate, misleading, or incomplete, we may deny access to the Service and pursue any remedies available under applicable law.

Communications Recording

Communications with us, including, but not limited to, communications made through our Site, online "chat bot," email, phone, text (SMS) message, and other means, may be received and recorded by us and by third parties. By communicating with us, you agree to the monitoring and recording of your information by us and by third parties.

Customer Testimonials

We display personal testimonials of satisfied customers on our Site in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at support@consumerfinancereview.com.

Third-Party Sites, Blogs, and Social Media

Our Site includes links to other websites, social media widgets, such as the Facebook "Like" button, and other interactive features, blogs, and videos hosted by third parties whose privacy practices may differ from our own. When you use a link to go from our Site to an unaffiliated website, or interact with any such features, the privacy policies of those respective third parties will apply to the processing of your personal information.

Use by Minors

Consumer Finance Review does not knowingly collect personal information from or about minors. Minors should not use the Site or otherwise provide us their personal information. If we learn that we have collected or received personal information from a minor without parental consent, we will delete that information.

Security of Personal Information

Taking into account the nature and scope of the processing and the particular risks to personal information, Consumer Finance Review utilizes reasonable technical and organizational measures to help protect personal information.

Communications Preferences

To opt-out of receiving email promotions from Consumer Finance Review, please follow the unsubscribe instructions in our promotional email correspondence or contact us at support@consumerfinancereview.com. Please note that opting out of promotional communications received does not affect our non-promotional communications with you, service messages, orders placed with Consumer Finance Review, or our ongoing business relations.

Privacy Inquiries

For inquiries concerning this Privacy Policy, you may contact:

support@consumerfinancereview.com

(800) 300-9550

By mail: Consumer Finance Review, Attn: Legal, 180 Maiden Lane, 28th Floor, New York, NY 10038