Privacy Policy
1. Introduction
Total Financial Freedom (TFF) (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting it through this Privacy Policy.
This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website, submit information through our forms, or engage with our services related to debt settlement and financial relief.
A. Personal Information
- Full name
- Email address
- Phone number
- Mailing address
B. Financial Information
- Estimated debt amounts
- Types of debts (credit cards, personal loans, etc.)
- Creditor information
- Income range (if provided)
C. Technical Information
- IP address
- Browser type
- Device type
- Pages visited
- Cookies and tracking data
D. Communication Data
- Messages submitted through forms
- SMS or call interactions (when applicable)
- Email correspondence
2. How We Use Your Information
We use your information for the following purposes:
- To evaluate your eligibility for debt relief programs
- To contact you regarding your inquiry or application
- To provide customer support
- To send marketing communications (with your consent)
- To improve our website and services
- To comply with legal obligations
3. How We Share Your Information
We do not sell your personal information. However, we may share your data with:
A. Service Providers
Third-party vendors that assist with:
- CRM systems
- Email and SMS delivery
- Payment processing
B. Affiliated Companies / Partners
In some cases, we may share your information with trusted partners who assist in providing debt relief services.
C. Legal Requirements
We may disclose your information:
- To comply with applicable laws or regulations
- In response to legal requests
- To protect our rights or prevent fraud
4. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to:
- Enhance user experience
- Analyze website traffic
- Deliver targeted advertisements
You may disable cookies through your browser settings.
5. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information. However, no system is 100% secure, and no company can guarantee absolute security.
6. Your Privacy Rights
Depending on your state of residence (e.g., California), you may have rights to:
- Request access to your personal data
- Request deletion of your data
- Opt out of certain data sharing practices
- Correct inaccurate information
7. SMS and Communication Consent
By submitting your information through our website, you consent to be contacted by:
- Phone calls
- Emails
- SMS/text messages
Message and data rates may apply. You may opt out at any time by replying “STOP” to text messages or contacting us directly.
8. Data Retention
We retain your information only as long as necessary to:
- Provide services
- Comply with legal obligations
- Resolve disputes
- Enforce agreements
9. Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect information from children.
10. Financial Privacy (Gramm-Leach-Bliley Act Notice)
As a company that provides financial-related services, we are committed to protecting your nonpublic personal information.
We collect nonpublic personal information from:
- Information you provide on applications or forms
- Information about your transactions with us
We do not disclose nonpublic personal information to nonaffiliated third parties except as permitted by law.
Your Privacy Rights: California “Shine the Light” Law
TFF does not share personal information, per Cal. Civ. Code § 1798.83, with third parties for their own direct marketing purposes.