Privacy Policy

This Privacy Policy applies to your access and use of the information, tools, features, and functionality found on the Consolidation Authority's website (collectively, the "Site"). It outlines the information we collect from you, how we use it, whom we share it with, the choices you have, and the measures we take to protect your information. By using our Site, you consent to the privacy practices described in this Policy.

We may need to update this Privacy Policy from time to time, or be legally obligated to do so. Any changes will be posted on this page to keep you informed about the information we collect, how we use it, and when we disclose it. You acknowledge that this Privacy Policy is part of our website Terms of Use, and by accessing or using our Site, you agree to all its terms and conditions. If you do not agree, please refrain from using our Site. Your continued use of this Site after such modifications constitutes your acceptance of the updated Privacy Policy.

Additionally, please review our Terms of Use, which govern your use of our services and include provisions on arbitration, limitation of damages, and choice of law.

We Collect Information Directly From You

We may collect personally identifiable information and non-personally identifiable information directly from you when you use our Site. This includes when you provide feedback, sign up for mailing lists, participate in surveys, or submit reviews. The types of information we collect may include, but are not limited to, your name, address, social security number, email address, employer, job title, department, mobile and fax numbers, assets, liabilities, financial account information (such as ID and password), financial details (like investments, income, expenses, investible assets, investing risk tolerance), and demographic information (such as age, gender) when relevant to specific financial products or services you request.

• IP address or other device address or ID.
• Web browser and/or device type.
• Geolocation data, including if you use the Site on a mobile device.
• Hardware and software settings and configurations.
• Web pages or sites that you visit just before or just after visiting our Site.
• Pages you view on our Site.
• Your actions on our Site.
• Dates and times that you visit, access or use our Site.

We Collect Information from Third-Party Providers

We collect information from third-party service providers, such as advertisers. These sources may include:

• Data brokers from which we may purchase demographic data to supplement the data we collect.
• Services that make user-generated content from their service available to others, such as local business reviews or public social media posts.
• Communication services, including email providers and social networks, when you give us permission to access your data on such third-party services or networks.
• Service providers that may help us determine your device’s location.
• Providers with which we offer co-branded services or engage in joint marketing activities.
• Developers who create experiences through or for trustedconsolidationreviews.com.
• Third parties that deliver experiences through trustedconsolidationreviews.com.
• Publicly-available sources such as open databases.

With your consent, we may receive credit reports or scores from consumer reporting agencies like TransUnion®, Equifax®, or Experian®, enabling us to share your information. If we combine this with data from other sources, we handle it according to this Privacy Policy and applicable law. We also use publicly available sources, such as open databases, to gather information.

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We Collect Information from Cookies and Other Tracking Technologies

Similar to many online companies, we utilize services from Google, Facebook, and others using tracking technologies such as cookies and web beacons. These technologies collect data directly from your device about your browsing activities, interactions with websites, and device specifications.

Cookies

We may send one or more cookies (which are small text files containing a string of alphanumeric characters) to your computer or mobile device when your browser loads our Site. We may use both session cookies and persistent cookies. Session cookies are used to store information about your website page activities so you can easily pick up where you left off and don’t have to start navigating a site all over again. Cookies act as a sort of “bookmark” within the site. For instance, session cookies can store ordering information needed to make shopping carts work instead of making you remember all the items you put in a shopping cart. A session cookie disappears after you close your browser. A persistent cookie remains after you close your browser and may be used by your browser on subsequent visits to our Site, but you can always remove it (see below). For instance, if you enter your city or postal code to get local news or weather information, depending on your settings, the data in the cookie is stored so that you will see the same relevant local information when you return to the site. Saving your preferences with cookies such as your preferred language prevents you from having to set your preferences repeatedly.  Please review your web browser “Help” file to learn the proper way to modify your cookie settings. If you delete, or choose not to accept cookies from our Site, you may not be able to utilize all our Services to their fullest potential.

Web Beacons

Some of our webpages contain web beacons which we use to help deliver cookies on our Sites, count users who have visited those Sites and deliver co-branded services. In addition to placing web beacons on our own Sites, we sometimes work with other companies to place our web beacons on their websites or in their advertisements. This helps us to, for example, develop statistics on how often clicking on an advertisement on trustedconsolidationreviews.com results in a purchase or other action on the advertiser’s website. It also allows us to understand your activity on our Site. Our Site may contain web beacons or similar technologies from third-party analytics providers such as Google Analytics which help us compile aggregated statistics about the effectiveness of our promotional campaigns or other operations. Google Analytics helps us perform marketing analytics and to collect behavioral information about how you use our site or other websites. In addition to cookies and web beacons, our we may use other similar technologies to store and read data files on your computer:

Location: We may collect and store information about your location if you enable your computer or mobile device to send us location information and provide us with your consent to do so. This will enable us to collect, share and process information about your specific location to enhance our services and provide better offers to you, using things like GPS or Wi-Fi access point information. We may also use information like your IP address or other device identifiers for approximate location information, like your city or state.

Contacts: When you invite your friends to join our Site by providing their contact information or allowing us to use your address book from your computer, mobile device, or other sites, we may use and store your friends’ contact information.

How We Use the Information We Collect

We may use your collected information, for example, to:

• Identify you when you visit our Site.
• Deliver the products and services you requested.
• Improve customer service and create new features and functionality.
• Improve our Site.
• Personalize your user experience such as remembering your information, so you don’t have to re-enter it the next time you visit our Site.
• Communicate with you about products or services that may be of interest to you.
• Provide customized advertisements, content, and information.
• Manage our business.
• Conduct analytics.
• Assist in fraud detection and information security.
• Understand and analyze usage trends and preferences of our users across different devices.
• Send you promotional materials, offers, and/or messages from third parties we work with.

Who Do We Share Your Information With?

We may share your information with our vendors in connection with providing the products and services you requested. For example, we may share your personal information such as your name, email, address and social security number with credit reporting agencies to verify your identity in obtaining your credit score or other financial information (when requesting your credit report and score on your behalf, we do not do a hard inquiry; rather, we do a soft inquiry of your credit report, however, if you apply for a line of credit or a loan directly with one or more of our third-party providers, they may make a hard credit inquiry of your credit file before approving your application).

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We may share information collected directly from you, for example:

• When you request to prequalify for a loan or credit card on our Site.
• When you request additional or personalized information regarding financial products from third-party financial service aggregators we partner with.
• When you request access to your credit report or score.
• When you report a complaint about a product or service featured on our Site.
• When you request answers or advice through our Site in which case we may provide your information to third-party experts, advocates and advisors.

We may share automatically collected information from you such as your IP address with our providers when you leave our Site and go to a third-party site to request information or apply for financial products.

We may share your credit report and other personal information with our vendors in order to provide you with recommendations on financial products and services that might be of interest to you.

We may share your information with third-party providers to support our own internal and business operations. In such cases, service providers may use the information only as necessary to provide the services to us and are contractually required to keep your information confidential and secure.

When you choose to share your information on a publicly accessible area of our Site such as a public profile page or any section where you can publicly submit questions or reviews to us or our third-party providers, that information will be available to anyone who is able to access that content, including other users. When you post things like photos or videos on our Site, if applicable, we may also receive additional related data (or metadata), such as the time, date, and place you took the photo or video. Please also keep in mind that whenever you voluntarily make other personal information (e.g. your home address) available online for viewing by third parties by posting it on our Site, that information is public and can be seen, collected and used by others. We cannot be responsible for any unauthorized use of such information.

We may offer contests, sweepstakes, or other promotions with third-party providers. If you decide to enter a contest, sweepstakes or promotion that is sponsored by a third-party provider, the information that you provide will be We may share aggregate analytics with third-party providers about how users interact with our Site, including usage patterns for certain programs, content, services, advertisements, promotions and/or functionality shared with us and with them. 

We may ask if you would like us to share your information with other unaffiliated third parties who are not described elsewhere in this policy.

We may share aggregate analytics with third-party providers about how users interact with our Site, including usage patterns for certain programs, content, services, advertisements, promotions and/or functionality.

We may offer contests, sweepstakes, or other promotions with third-party providers. If you decide to enter a contest, sweepstakes or promotion that is sponsored by a third-party provider, the information that you provide will be shared with us and with them. 

We may disclose your information if required to do so by law or in the good-faith belief that such action is necessary to comply with state and federal laws (such as copyright law), in response to a court order, judicial or other government subpoena or warrant or to otherwise cooperate with law enforcement activity. We may also disclose your information when we believe it’s appropriate in order to investigate, prevent, or take action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property, or safety of our business, our users, our employees or others.

We may disclose your information in connection with a substantial corporate transaction involving our business, such as a sale of trustedconsolidationreviews.com or any entity, brand or division thereof, a divestiture, merger, We may share information with third parties that is not personally identifying, such as aggregated or anonymized data, in our discretion, where not prohibited by law. consolidation, asset sale or bankruptcy.

On our Site we may include features that are designed to permit interactions that you initiate between our Site and third-party websites or services, including third-party social networks. For example, you may be able to “like” or “share” content from our Site on other websites or services, such as Facebook, Twitter, Instagram, YouTube, and LinkedIn.

If you use these social features on our Site, both trustedconsolidationreviews.com and the third-party services that operate those social features may have access to certain information about you and your use of both our Site and

theirs. The information we collect in connection with your use of social media features, such as usage information, is subject to this Privacy Policy. The information collected and stored by the third parties remains subject to those third parties’ privacy practices, including whether the third parties continue to share information with us, the types of information shared, and your choices with regards to what is visible to others on those third-party websites or services.

The collection and use of your information by the providers on our Site is subject to each provider’s privacy policy and terms of use.

Consolidation Authority has no control over the means by which a provider uses or discloses your information. The privacy policies of our providers may differ from ours. If you request products and services from a provider on our Site, they may directly contact you with quotes or information via telephone, fax, and/or email. You may also receive telemarketing calls from them even if you are on the National Do-Not-Call Registry or any other similar registry. Please note that these providers may retain or use your information whether or not you use their services.

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How Do We Protect Your Information

We follow industry standard security measures (including physical, electronic, and procedural measures) to help safeguard your information from unauthorized access and disclosure. We also require employees to comply with information security safeguards, we use encryption in the transmission of your information between your system and ours, and we use firewalls and other intrusion detection and prevention controls to help prevent unauthorized persons from gaining access to your information. We regularly back up the information we collect online to protect against loss. We may retain your data for a period of time in our active systems in order to ensure our ability to satisfy the authorized uses under this Privacy Policy. For example, we may use retained data to prevent, investigate, or identify possible wrongdoing in connection with our Site or to comply with legal obligations. Please note that information may exist in backup storage even after it has been removed from our active databases

No data transmission over the internet or any wireless network can be guaranteed to be one hundred percent (100%) secure. As a result, while we strive to protect your information, you acknowledge that there are security and privacy limitations of the internet that are beyond our control; the security, integrity and privacy of any and all information and data exchanged between you and us through this site cannot be guaranteed; and any such information and data may be viewed or tampered with in transit by a third-party. We make no warranty, express, implied or otherwise, that we will prevent unauthorized access to your private information.

Advertising

Advertising allows us to provide, support, and improve some of our services. Consolidation Authority does not use what you say in email, chat, video calls or voice mail, or your documents, photos, or other personal files to target ads to you. We use other data for advertising in our services and on third-party properties.

The ads that you see may be selected based on data we process about you, such as your interests and favorites, your location, your transactions, how you use our Services, your search queries, the content you view, demographic data, location data and the information we may collect about you from the sites and apps of our advertisers and providers.

Chat Bot Disclosure

Our company’s chat bot is enabled by Livechat.com Inc. The Livechat is a set of web-services that enable intelligent services and connections using conversation channels you authorize. Livechat will transmit content you provide to our bot/service in order to enable the service. Your interactions with the bot/service are subject to Livechat’s applicable terms of use, privacy, and data collection policies.

Opt-Out Choices

You can choose whether you wish to receive promotional communications from trustedconsolidationreviews.com by email, SMS, physical mail, and telephone. If you receive promotional email or SMS messages from us and would like to opt-out, you can do so by following the directions in that message. There are a number of other ways to opt-out of having your online activity and device data collected by us:

• Blocking cookies in your browser.  Most browsers let you remove or reject cookies, including cookies used for interest-based advertising. To do this, follow the instructions in your browser settings. Many browsers accept cookies by default until you change your settings. 

• Blocking advertising ID use in your mobile settings. Your mobile device settings may provide functionality to limit use of the advertising ID associated with your mobile device for interest-based advertising purposes.
• Use of plug-ins or browsers with privacy features. You can block our Site from setting cookies by using a browser with privacy features or installing browser plugins and configuring them to block third-party cookies/trackers.

Opt-out directly with our providers. The following advertising partners offer opt-out features that let you opt-out of use of all or some your information for interest-based advertising:

Google: https://adssettings.google.com

Facebook: https://www.facebook.com/about/ads

Twitter: https://twitter.com/personalization

You can also opt-out directly with the following interest-based advertising companies:

Digital Advertising Alliance:  http://optout.aboutads.info

Network Advertising Initiative: http://optout.networkadvertising.org/?c=1

Note that because these opt-out mechanisms are specific to the device or browser on which they are exercised, you will need to opt-out on every browser and device that you use.