1. Introduction
Consumer Finance Services ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website consumerfinanceservices.com or use our services. Please read this policy carefully.
2. Information We Collect
We may collect information about you in a variety of ways, including:
- Personal Data: Name, email address, phone number, mailing address, and other contact information you voluntarily provide when contacting us or using our services.
- Financial Information: Information related to your financial situation that you provide in connection with our services, such as income, debts, credit history, and account details.
- Usage Data: Information about how you access and use our website, including IP address, browser type, pages visited, and time spent on pages.
- Communication Data: Records of communications between you and Consumer Finance Services, including emails, phone calls, and text messages.
3. How We Use Your Information
We use the information we collect to:
- Provide, operate, and maintain our services
- Respond to your inquiries and fulfill your requests
- Send administrative information, updates, and service-related communications
- Improve our website and services
- Comply with legal obligations and protect our rights
- Send promotional communications (with your consent)
4. SMS/Text Messaging Policy
By providing your phone number and consenting to receive text messages from Consumer Finance Services, you agree to the following:
- You may receive SMS/MMS messages related to your account, services, appointments, and promotional offers.
- Message frequency varies based on your account activity and preferences.
- Message and data rates may apply depending on your carrier and plan.
- You may opt out at any time by replying STOP to any message.
- For help, reply HELP or contact us at roy@consumerfinanceservices.com.
- Consent to receive text messages is not a condition of purchase or service.
- We do not share your phone number or opt-in data with third parties for marketing purposes. No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.
- Compatible carriers include all major US carriers. T-Mobile is not liable for delayed or undelivered messages.
5. Information Sharing and Disclosure
We do not sell your personal information. We may share your information only in the following circumstances:
- Service Providers: With trusted third-party vendors who assist us in operating our business, subject to confidentiality obligations.
- Legal Requirements: When required by law, court order, or governmental regulation.
- Business Transfers: In connection with a merger, acquisition, or sale of assets.
- With Your Consent: When you have given explicit permission.
6. Data Security
We use administrative, technical, and physical security measures to protect your personal information. While we strive to protect your data, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Data Retention
We retain your personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce our agreements.
8. Your Rights
You have the right to:
- Access and receive a copy of your personal data
- Request correction of inaccurate data
- Request deletion of your personal data
- Opt out of promotional communications
- Opt out of SMS messages by replying STOP
9. Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices of these external sites. We encourage you to review their privacy policies before providing any personal information.
10. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will take steps to delete that information promptly.
11. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated revision date. We encourage you to review this policy periodically.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:
Consumer Finance Services
Email: roy@consumerfinanceservices.com
Texas, United States