Privacy Policy

1. Company Information

TrueFreedom Financial ("we," "us," or "our") operates at truefreedomaz.com. This Privacy Policy applies to all information collected through our website, loan applications, telephone communications, SMS messages, and any other interactions with our company.

2. Information We Collect

Information You Provide Directly

• Full name, date of birth, and government-issued ID information
• Contact information: email address, phone number, mailing address
• Financial information: income, employment status, bank account details
• Social Security Number (SSN) or ITIN for identity verification
• Loan application details and supporting documents
• Communications you send to us via email, phone, or form submissions

Information Collected Automatically

• IP address, browser type, and operating system
• Pages visited, time spent on site, and referring URLs
• Device identifiers and cookie data
• Location data (general, based on IP address)

Information from Third Parties

• Credit reports and scores from consumer reporting agencies (Equifax, Experian, TransUnion)
• Identity verification services
• Marketing and lead generation partners (with your consent)

3. How We Use Your Information

• To process, evaluate, and fulfill your loan application
• To verify your identity and prevent fraud
• To communicate with you about your application via phone, SMS, and email
• To send transactional messages including application updates and account notices
• To send marketing communications (with your consent; you may opt out at any time)
• To comply with legal obligations under FCRA, GLBA, TCPA, and other applicable laws
• To improve our website, services, and customer experience
• To analyze usage patterns and perform internal business analytics
• To enforce our Terms and Conditions and protect our legal rights

4. SMS / Text Messaging & TCPA Compliance

We collect and use your phone number to send SMS messages related to your loan application and account. We do not sell your phone number to third-party marketers. SMS opt-in data and consent are never shared with third parties for their own marketing purposes.

Our SMS program complies with the Telephone Consumer Protection Act (TCPA) and all applicable CTIA guidelines. You may withdraw SMS consent at any time by replying STOP, contacting us by email, or submitting a written request.

5. Sharing of Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

With Lending Partners

We may share your application information with our network of lending partners and financial institutions to match you with loan offers. These partners are bound by confidentiality agreements and applicable law.

With Service Providers

We work with third-party service providers including credit bureaus, identity verification services, SMS/communications platforms (including Twilio), email service providers, and analytics tools. These providers access your data only as necessary to perform services on our behalf.

For Legal Compliance

We may disclose information when required by law, court order, or government authority, or to protect the rights, property, or safety of TrueFreedom Financial, our customers, or the public.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity, subject to the same privacy protections.

6. Gramm-Leach-Bliley Act (GLBA) Notice

As a financial services company, we are subject to the Gramm-Leach-Bliley Act. We collect nonpublic personal information about you to provide financial products and services. We limit the sharing of this information and protect it with appropriate safeguards. You have the right to opt out of certain information sharing. To opt out, contact us at info@truefreedomfinancial.com.

7. Fair Credit Reporting Act (FCRA) Notice

We may obtain consumer reports from credit reporting agencies in connection with your loan application. You have rights under the FCRA including the right to know if information in your report was used against you, to dispute inaccurate information, and to obtain a free copy of your report. For more information, visit consumerfinance.gov.

8. Data Security

We implement industry-standard security measures to protect your personal information including:

• 256-bit SSL/TLS encryption for all data transmissions
• Encrypted storage of sensitive data
• Access controls and role-based permissions for employees
• Regular security audits and vulnerability assessments
• Secure data centers with physical access controls

While we take all reasonable precautions, no method of internet transmission is 100% secure. We cannot guarantee absolute security of your data.

9. Data Retention

We retain your personal information for as long as necessary to provide our services, comply with legal obligations (typically 5–7 years for financial records), resolve disputes, and enforce our agreements. When data is no longer needed, we securely delete or anonymize it.

10. Cookies & Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to enhance your experience on our website. Types of cookies we use:

• Essential cookies: Required for the website to function properly
• Analytics cookies: Help us understand how visitors use our site
• Marketing cookies: Used to deliver relevant advertisements

You may disable cookies in your browser settings. Note that disabling certain cookies may affect website functionality.

11. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to Know: Request disclosure of the categories and specific pieces of personal information we collect about you
• Right to Delete: Request deletion of your personal information, subject to certain exceptions
• Right to Opt-Out: Opt out of the sale of your personal information (we do not sell personal information)
• Right to Non-Discrimination: We will not discriminate against you for exercising your CCPA rights

To exercise your California privacy rights, contact us at info@truefreedomfinancial.com.

12. Your Privacy Rights & Choices

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-out of SMS: Reply STOP to any text message
• Opt-out of email marketing: Click "unsubscribe" in any marketing email
• Opt-out of calls: Contact us directly to be placed on our do-not-call list

13. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

14. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will post the updated Policy on this page with a new effective date. Your continued use of our services following any changes constitutes your acceptance of the revised Policy.

16. Contact Us

For questions, concerns, or to exercise your privacy rights, please contact us:

• Email: info@truefreedomfinancial.com
• Website: truefreedomaz.com
• Mailing Address: TrueFreedom Financial, Arizona, United States

We will respond to all privacy-related requests within 30 days.