Privacy Policy
At Clear Financial Co., Inc. (“CFC,” “Clear Financial,” “we,” “us,” or “our”), we are committed to protecting your privacy and helping you understand how we collect, use, share, and protect your personal information.
Financial companies choose how they share personal information. Federal law gives consumers the right to limit some, but not all, sharing. Federal law also requires us to explain how we collect, share, and protect your personal information. Please read this Privacy Policy carefully to understand what we do.
Information We Collect
The types of personal information we collect and share depend on the product or service you have with us. This information may include:
- Social Security number
- Credit score
- Credit card or other debts
- Name and contact information
- Account balances
- Transaction history
- Income information
- Employment information
- Information you provide through applications, forms, lead submissions, account-related requests, or direct communications with us
We may also automatically collect non-personal information when you use our website, such as your IP address, browser type, device type, operating system, pages visited, and browsing behavior.
How We Collect Your Information
We collect your personal information, for example, when you:
- Fill out an application or provide lead information
- Open an account
- Provide income information
- Provide account information
- Provide employment information
- Give us your contact information
- Contact us directly or request information about our products or services
- We may also collect personal information from others, such as credit bureaus, affiliates, service providers, lead sources, or other companies.
How We Use Your Information
We use the information we collect to:
- Provide, enhance, and maintain our products and services
- Process transactions and maintain accounts
- Respond to your inquiries and requests
- Offer products and services that may be relevant to you
- Send updates, promotional materials, newsletters, or service-related communications
- Analyze website usage and trends to improve your experience
- Protect the security of our website, systems, customers, and users
- Comply with court orders, legal investigations, credit bureau reporting requirements, and other legal obligations
How We Share Your Information
All financial companies need to share customers’ personal information to run their everyday business. CFC may share your personal information for the following reasons:
- For our everyday business purposes, such as processing transactions, maintaining accounts, responding to court orders and legal investigations, or reporting to credit bureaus.
- For our marketing purposes, to offer our products and services to you.
- For joint marketing with other financial companies.
- For our affiliates’ everyday business purposes, including information about your transactions and experiences.
- For our affiliates’ everyday business purposes involving information about your creditworthiness.
- For our affiliates to market to you.
- For nonaffiliates to market to you.
Federal law allows you to limit only certain types of sharing, as described below.
Your Right to Limit Sharing
You may limit our sharing in the following cases:
- Sharing for affiliates’ everyday business purposes involving information about your creditworthiness.
- Affiliates using your information to market to you.
- Sharing for nonaffiliates to market to you.
You may not limit sharing for certain everyday business purposes, such as processing transactions, maintaining accounts, responding to court orders and legal investigations, or reporting to credit bureaus.
You may also not limit certain sharing for our own marketing purposes or for joint marketing with other financial companies, where permitted by law.
How to Limit Our Sharing
To limit our sharing, you may contact us in either of the following ways:
Call: 800-979-4337
Email: [email protected]
If you are a new customer, for the types of information where you have the right to limit our sharing, we may begin sharing your information 30 days from the date we sent this notice. When you are no longer a customer, we continue to share your information as described in this Privacy Policy.
You may contact us at any time to limit our sharing.
If you limit sharing for an account you hold jointly with someone else, your choices will apply to everyone on your account.
Affiliates, Nonaffiliates, and Joint Marketing
Affiliates are companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include Veritas Legal Plan Inc., Consumer Defense Partners, Fortress Legal Plan, and Clear Future Consultants, Inc.
Nonaffiliates are companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we may share with include direct marketing companies, service providers, insurance companies, and broker/dealers.
Joint marketing refers to a formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners may include financial institutions, lead generators, and marketing and sales organizations.
Service Providers and Business Transfers
We may share personal information with trusted third-party service providers that help us operate our business, website, marketing, communications, technology systems, and customer support.
If CFC is involved in a merger, acquisition, financing, reorganization, bankruptcy, asset sale, or similar business transaction, your information may be transferred as part of that transaction, where permitted by law.
Legal Obligations
We may disclose personal information when required or permitted by law, including to comply with subpoenas, court orders, legal investigations, regulatory requirements, credit reporting obligations, or requests from government authorities.
Cookies and Tracking Technologies
We may use cookies and similar tracking technologies to support website functionality, understand how visitors use our site, improve user experience, and support marketing or analytics efforts.
Cookies are small files that may collect non-personal information about your interactions with our website. You can adjust your browser settings to manage or block cookies, but doing so may limit certain website features or functionality.
How We Protect Your Information
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures may include computer safeguards, secured files, and secured buildings.
While we take reasonable steps to protect your information, no method of online transmission or electronic storage is completely secure. We cannot guarantee absolute security.
Your Choices
You may have the right to:
- Access or update certain personal information.
- Request deletion of certain personal information, subject to legal and operational obligations.
- Limit certain sharing with affiliates and nonaffiliates, as described in this Privacy Policy.
- Opt out of receiving promotional communications by following the unsubscribe instructions in our emails or contacting us directly.
- State laws and individual companies may give you additional rights to limit sharing.
Children’s Privacy
Our website and services are not directed to children. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will take reasonable steps to delete that information.
State‒Specific Disclosures
Nevada Residents
Nevada residents may request to be placed on our internal “do not call” list by contacting us using the information provided in this Privacy Policy.
You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; phone: 702-486-3132; email: [email protected].
Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies that are not affiliates, except as permitted by law, such as with your consent or to service your accounts.
We will not share information about your creditworthiness with our affiliates without your authorization or consent. However, we may share information about our transactions or experiences with you with our affiliates without your consent.
Montana Residents
In accordance with Montana law, we will not disclose your name or personal information to anyone other than your enrolled creditors or our agents, affiliates, contractors, and other third-party providers as necessary to conduct business.
North Dakota Residents
Except as permitted by North Dakota law or as authorized and consented to by you, we will not share information we collect about you with nonaffiliated third parties or for joint marketing purposes.
California Residents
In accordance with California law, we will not share information we collect about you with nonaffiliates, except as allowed by law. For example, we may share information with your consent or to service your accounts.
You may also have additional rights to limit the disclosure of your personal information under the California Consumer Protection Act (“CCPA”) and other applicable California privacy laws.
California residents may have the right to restrict the sharing of personal and financial information with our affiliates and outside companies we do business with, subject to applicable law.
Restrict Information Sharing With Companies We Own or Control
Unless you opt out, we may share personal and financial information about you with our affiliated companies.
Restrict Information Sharing With Other Companies We Do Business With
Unless you opt out, we may share personal and financial information about you with outside companies we contract with to provide financial products and services to you.
You may make your privacy choices at any time. However, if we do not hear from you, we may share some of your information with affiliated companies and other companies with whom we have contracts to provide products and services, where permitted by law.
To exercise your choices, you may:
Call: 800-979-4337
Email: [email protected]
Changes to This Privacy Policy
We may update this Privacy Policy periodically. Any changes will be posted on this page with the revised effective date. Please review this Privacy Policy regularly to stay informed about our privacy practices.
Contact Us
If you have questions about this Privacy Policy or would like to limit our sharing where available, please contact us:
Call: 800-979-4337
Email: [email protected]
Website: www.clearfinancialcompany.com
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