Last updated: [9/5/24]
Effective Date: [9/5/24]

This Privacy Policy applies to hardshipfinancial.com, owned and operated by Hardship Financial, LLC (“Hardship Financial,” “Company,” “we,” or “us”) and any Company affiliate or subsidiary online interface that links to this policy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you interact with us online or offline.

We take our ethical responsibilities and your privacy seriously. By using this website, you agree to the terms and conditions of this Privacy Policy, including our Terms of Use. Please read this policy carefully to understand our practices and how we handle your information.

What This Privacy Policy Covers

This Privacy Policy describes our privacy practices related to your use of Hardship Financial’s website, services, and offline interactions with us. It applies to all personal information we collect in connection with our services, including data shared through our website, customer interactions, and marketing activities. It also addresses rights and protections under various state and federal privacy laws.

Information We Collect

We collect personal information through various means, including when you voluntarily provide it, through automated means, and from third parties. The categories of personal information we collect may include:

1. Information You Provide Directly:

• Contact Information: Name, email address, phone number, and mailing address when you sign up for services, complete forms, or communicate with us.
• Identity Information: Social Security Number (SSN), driver’s license number, or other government-issued identification to verify your identity.
• Financial Information: Bank account details, credit card information, debt amounts, income, and other financial data necessary to provide services like debt relief or loan matching.
• Demographic Information: Age, gender, and other demographic data to offer personalized products or services.
• User-Generated Content: Content from your communications with us via email, phone, or other means.

2. Information Collected Automatically:

When you visit our website, we collect certain information automatically, such as:

• Device Information: IP address, browser type, operating system, and device identifiers.
• Usage Information: Pages visited, time spent on pages, links clicked, and browsing behavior.
• Location Information: We may collect geolocation data when you access our website on a mobile device.

3. Information from Third Parties:

We may also obtain information about you from third-party sources, such as:

• Financial Institutions: Transaction history, credit data, and balances when you apply for financial products through our services.
• Credit Reporting Agencies: Credit scores and credit reports from bureaus like Equifax, Experian, and TransUnion.
• Marketing Partners: Data from third-party marketing or advertising partners, including data brokers.
• Identity Verification Services: To ensure the accuracy of information and prevent fraud, we verify details through external identity services.

How We Use Your Information

We use your personal information for the following purposes:

• Providing Services: To offer financial services such as debt resolution, loan recommendations, or other related services.
• Communicating with You: Responding to your inquiries, providing customer support, and sending important updates.
• Marketing: Sending promotional materials and advertising relevant financial products and services.
• Improving Our Services: Analyzing user behavior, website performance, and service feedback.
• Personalizing Your Experience: Tailoring our content, offers, and recommendations based on your preferences.
• Legal Compliance: Ensuring compliance with applicable laws and regulatory requirements.

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website and for marketing purposes. These include:

• First-party Cookies: Set by our website to enable essential site functionality.
• Third-party Cookies: Set by third parties (e.g., marketing partners) to track activity and serve ads.

You can manage cookie preferences via your browser settings or by visiting the opt-out options provided by platforms like DAA and NAI.

How We Share Your Information

We share your information in the following ways:

• Affiliates and Subsidiaries: Shared within Hardship Financial’s family of companies for business purposes.
• Service Providers: We may share information with trusted service providers for web hosting, data storage, customer support, marketing, or processing services. These providers are prohibited from using your data for any other purposes.
• Financial Partners: Information may be shared with third-party lenders or financial companies to provide requested services, such as loan offers or debt relief.
• Legal Requirements: We may disclose personal information to law enforcement, government authorities, or other third parties when required by law.
• Business Transactions: In case of mergers, acquisitions, or asset sales, your personal information may be transferred as part of the business transaction.

Your Privacy Choices

Opting Out of Marketing Communications:

You can opt out of receiving marketing emails or promotional communications by following the unsubscribe instructions provided in the emails or contacting us directly.

Do Not Sell My Data:

You may opt-out of the sale of your personal information by visiting our Do Not Sell My Data page or contacting us.

Access, Correct, or Delete Information:

You have the right to access, correct, or delete your personal information. You may request these actions by contacting us at info@hardshipfinancial.com.

Security of Your Information

We are committed to protecting your personal information through industry-standard security measures, including encryption (SSL), firewalls, and secure servers. However, no method of transmission or storage is 100% secure, and we cannot guarantee the absolute security of your data.

We urge you to protect your account by not sharing login credentials and to report any suspected unauthorized access to your account immediately.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Once the retention period expires, your data is deleted or anonymized.

Call Monitoring and Recordings

Calls with Hardship Financial may be recorded or monitored for quality assurance, training, and compliance purposes. By participating in these calls, you consent to this recording and monitoring.

Use of Cookies and Web Beacons

We use cookies and web beacons (clear gifs) to track online activity and interactions. Cookies help improve website navigation and user experience, while web beacons allow us to assess the effectiveness of certain communications. You may disable cookies, but doing so may affect your experience on our website.

Log Files and Analytical Data

We gather certain information automatically through log files, including IP addresses, browser types, and clickstream data. This data helps us monitor trends, administer the site, and improve its performance.

Clear Gifs (Web Beacons)

We use clear gifs to track user interactions with our website and email campaigns. These allow us to measure the effectiveness of our content and improve customer engagement. To opt out of email tracking, please unsubscribe from our email communications.

Third-Party Links

Our website may contain links to third-party sites. Please note that our Privacy Policy applies only to our website, and we are not responsible for the privacy practices of external websites. We encourage you to review their privacy policies before sharing personal information.

Co-Branded Sites

Some sections of our website may be co-branded with partners. Information shared on these pages may be governed by the partner’s privacy policy, which may differ from ours.

Your Rights under State Laws

• California Residents: You have additional rights under the California Consumer Privacy Act (CCPA), including the right to request details about how we collect and use your personal information. See our California Privacy Notice for more details.

• Vermont Residents: We automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties.

• Nevada Residents: Nevada residents may request that we do not sell their personal information by contacting us at info@hardshipfinancial.com.

Children’s Privacy

Our website and services are not directed to children under 16, and we do not knowingly collect personal information from children under 16. If you believe we have inadvertently collected such information, please contact us to remove it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. The updated policy will be posted with the “Last Updated” date at the top. Continued use of our website and services signifies your agreement to the updated terms.

Contact Information

If you have any questions, concerns, or complaints regarding this Privacy Policy or how we handle your personal information, please contact us:

Hardship Financial, LLC
30 N Gould St Ste R, Sheridan, WY 82801, USA
Email: info@hardshipfinancial.com
Phone: 1-888-279-2106