Privacy Policy

When you visit our site, we collect what you choose to share with us so we can build your free financial analysis — your name, address, email, state, phone number, current credit situation, IP address, how you navigate the site, and how you found us.

The only messages we send are tied directly to your request — a reply to a question, or a follow-up on a consultation. Once you're actively working with Financial Relief Now, these service messages aren't optional to opt out of. If your details change, or you'd rather not use our service anymore, the contact info at the bottom of this page lets you correct, update, delete, or deactivate what we have.

We may share your information where it's needed to complete something you've asked for, service your account, follow the law, or protect our rights during a legal proceeding, court order, or similar process.

Some of what we collect isn't tied to you personally — our site automatically tracks clickstream data like where visitors came from, which pages they viewed, and what browser they used.

Once you're a client, we collect more: education, home address, employer, account balances, creditors, major life events, and your overall financial picture.

We don't hand off what we collect on our site to outside parties, except where the law allows it or this policy says otherwise. First, we use your info to build your free financial analysis. After that, we use what you gave us to share your results, explain how Financial Relief Now can help, or point you elsewhere if we're not the right fit.

We might share your info with your creditors or others helping service your account. That never includes text-message opt-in or consent data — that stays with us, always. We might also get information about you from elsewhere: credit bureaus, partners helping identify potential clients, data brokers, marketing platforms, or your own creditors.

We use Google Analytics to understand who visits our site — demographics, interests — so we can improve things and support display ads. We won't combine your personal info with non-personal DoubleClick-based ad data unless we've clearly told you and gotten your opt-in first. You can manage or opt out through Google's Ads Settings.

Sometimes we share non-personal information with trusted vendors, like whoever hosts or manages our site, so they can do their job. That's usually anonymous stuff, like how long a visit lasted, not tied to any one person.

A cookie is a small file your browser keeps for record-keeping. We use them here, but we don't connect what's inside a cookie to any personal info you've given us.

We use persistent cookies that stick around for a set time. Your browser's help menu can show you how to clear them. We use them to understand what our visitors care about and make the site better. Turning cookies off won't stop you from using the site.

Some partners and affiliates run their own cookies here too — we don't control those or have access to them. This policy is only about Financial Relief Now's own cookies.

Pixels let third parties see browsing activity across different sites, which helps make ads and content more relevant. They also let us tell partners how people are responding to content or ads, so they can find the right audience.

What pixels usually pick up: IP address and rough location, timestamps, browser and user agent, cookie IDs where relevant, URLs, time zone, and similar browser-level detail. Pixel data used to optimize ads or content only gets used once it's combined with other advertiser data. We might share aggregate numbers too — views, demographics, conversions, timing — but nothing that points back to one specific person.

Only the employees who actually need your personal info to service your account can get to it. We back that up with physical, electronic, and procedural safeguards that meet federal standards, and everyone on our team is trained on handling data and the systems behind it the right way.

If you live in California, this section covers any personal info we've collected about you, whether that's through our site, a purchase, or any way you've reached out — in writing, online, or in person.

Financial Relief Now falls under the Gramm-Leach-Bliley Act ("GLBA"), so we follow the federal privacy and security rules that come with that. Some of what we handle is exempt from the California Consumer Privacy Act ("CCPA"); some of it isn't. To keep things clear, the categories below cover everything we collect, GLBA-exempt or not — that's not us giving up any preemption claim under GLBA or similar law.

What doesn't count as personal information

• Info that's already public through government records
• Consumer data that's been de-identified or aggregated
• Health info under HIPAA, California's Confidentiality of Medical Information Act (CMIA), or clinical trial rules
• Info covered under other specific laws — the Fair Credit Reporting Act (FCRA), GLBA, California's Financial Information Privacy Act (FIPA), or the 1994 Driver's Privacy Protection Act

Where it comes from

• Directly from clients or whoever's acting on their behalf — documents tied to the service they hired us for
• Indirectly, while we're helping a client through our services
• Both ways through activity on financialreliefnow.com — what you submit and what we track automatically
• Third parties tied to our services, like affiliate marketers or credit reporting agencies (CRAs)
• Public sources, online or elsewhere
• Employees and job applicants

What we do with it

• To act on whatever reason you gave it to us for, like helping with a financial issue
• To provide whatever product, service, or info you asked for
• To pull consumer report data for pre-qualification and targeted outreach
• To send alerts, newsletters, or updates about offers, events, or news that fit you
• To enforce our agreements with you, including billing and collections
• To point you elsewhere if we can't help — say, we don't operate in your state
• To make our site better and present things more clearly
• For testing, research, and product development
• To handle audits, compliance checks, and related legal work
• For financial reporting, accounting, and day-to-day operations
• To evaluate the vendors and service providers we rely on
• To protect our rights, property, and safety, or those of our customers and others
• To respond to law enforcement and meet legal obligations
• To assess or go through with a merger, sale, or restructuring involving some or all of our business

How we share it

We might share your personal info with a third party for a business reason. When that happens, we put a contract in place spelling out the purpose and requiring them to keep it confidential and use it only for that. Over the last twelve months, we've shared these categories for business reasons: identifiers, categories under California's Customer Records law, protected classifications, commercial info, biometric data, internet or network activity, employment info, and inferences drawn from other data — with our affiliates, service providers, and any third party you or someone acting for you has authorized.

We might also share info for a commercial reason under a paid arrangement that requires the recipient to follow data privacy rules. Over the last twelve months, we've shared identifiers, Customer Records categories, and commercial info for a commercial reason with our affiliates, lenders in our credit facility, service providers, vendors, and other third parties, including marketers.

Your rights under California law

• Right to Know — ask what we collect, use, disclose, or sell
• Right to Delete — ask us to get rid of what we've collected
• Right to Opt-Out of Sale — stop us from selling your info
• Right to Data Portability — get a portable copy of your data
• Right to Non-Discrimination — we won't treat you worse for using these rights

Someone else can act on your behalf here. To do that, they need to fill out the same forms you would, bring a notarized letter authorizing them, and give us enough info to confirm who you are.

All of this depends on us being able to verify your identity and authority, and it's subject to the usual exceptions under the law. If you're a prospective customer, that means giving us your name, state, phone number, address, and email. Current customers also need to provide a Social Security number or another account identifier.

To use any of these rights, reach us through our contact form, call (866) 582-1704, or email [email protected].

You can tell Financial Relief Now not to sell your personal info, now or ever. Use our Do Not Sell My Personal Information page, our contact form, call (866) 582-1704, or email [email protected].

Questions about this policy? Email [email protected]. Technical issues with the site go to the same place.

For the full rundown on your rights under the Fair Credit Reporting Act, check the CFPB's summary. Need to dispute something on your credit report? The CFPB has a guide for that too.