MoneySolver Privacy Policy

Effective date: May 13, 2026

Introduction

At MoneySolver (“MoneySolver,” “we,” “our,” or “us”), our mission is to help consumers navigate important financial decisions with confidence and clarity. We do this by providing trusted financial information, personalized guidance, and tools designed to help you find solutions that fit your unique financial needs.

When you use our websites, applications, or services and provide your Personal Information, we are committed to being transparent about how your information is collected, accessed, shared, and used by MoneySolver, our affiliates, service providers, partners, and other third parties.

This Privacy Policy explains the types of information we collect, how we collect and use that information, the parties with whom we may share it, and the measures we take to help protect your information.

What This Policy Covers

At MoneySolver, this Privacy Policy explains our privacy practices related to your access to and use of the MoneySolver Services and the MoneySolver Platform.

• MoneySolver Services. When we refer to “MoneySolver Services” or “Services,” we mean the products and services made available and directly provided by MoneySolver, its subsidiaries, and affiliates through our websites, mobile applications, and other digital platforms. This may include, for example, debt relief, tax relief, credit, insurance, financial wellness, and related financial products and services.
• MoneySolver Platform. When we refer to the “MoneySolver Platform” or “Platform,” we mean products and services offered by unaffiliated third-party partners through co-branded or referral arrangements where, with your consent, we may share your information with these partners and/or receive information from them. This may include, for example, certain financial products, partner offers, or promotional programs. When your information is shared with unaffiliated third-party partners, their privacy policies and practices may also apply.

Please note that certain MoneySolver products and services may be subject to privacy and information-sharing requirements under applicable federal and state laws, including the Gramm-Leach-Bliley Act (“GLBA”). By using and accessing the MoneySolver Platform and Services, you consent to receiving notices regarding your privacy and account information electronically, where permitted by law.

We encourage you to read this entire Privacy Policy carefully. By using the MoneySolver Platform and Services, you acknowledge that you have read and understand this Privacy Policy. Your use of the MoneySolver Platform and Services is also subject to the MoneySolver Terms of Use.

Information We Collect

We may collect Personal Information directly from you when you use the MoneySolver Platform and Services — for example, when you register to become a member, request to prequalify for a third-party credit card or loan product, request your TransUnion credit report and/or score, link your third-party financial accounts, or fill out calculators, forms, or other fields.

Here are the types of Personal Information we may collect:

• Contact and registration information. Information you provide when you sign up to become a member, activate an account, or upload information into the MoneySolver Platform or Service, including your name, title and honorifics, email address, mailing address, phone number, date of birth, username, and password. 
• Identity information. Information to verify your identity, including your name, date of birth, Social Security number, driver’s license number, government-issued identification, or similar information. 
• Vehicle information. Information you provide when you are interested in an auto loan, are interested in selling your vehicle, or are interested in similar services, including your vehicle registration information and vehicle identification number.
• Financial information. Financial information, such as your payment information (credit card information), bank account information, investments, income, expenses, assets, liabilities, financial goals, investing risk tolerance, or other similar types of information about your job or business. We also may collect third-party financial account information, such as an ID and password. 
• Demographic information. Information, including your age, gender, or other similar demographic information, when such information is relevant to a particular financial product or service you have requested.
• User-generated content information. When you communicate with us, either by email, phone, or other means of communication, we also may collect the content of these communications, including but not limited to recordings of phone calls where permitted by law.
• Device and contact data. Depending on the permissions you grant in your device settings, we may get access to certain device-related information.
• Inferences about customer preferences and characteristics. We may infer from information provided by you, information collected directly from your browser or device, or from information obtained from third-party marketing database partners.

We do not store your third-party financial account ID or passwords. Instead, we securely pass this information to our third-party partners when you request services that require us to confirm your identity, when you request to prequalify for their products, and/or to provide you with access to your financial information on the MoneySolver Platform or Services.

Information Collected From Third Parties

When you use the MoneySolver Platform or Services, we may also receive information about you from unaffiliated third parties, including business partners, referral partners, advertisers, data providers, and service providers, where you have authorized such parties to share information with us. The type of information we collect depends on the third party involved and the permissions or authorizations you provide.

Examples of information we may receive from third parties include:

Consumer Reporting Agencies and Third-Party Platforms. At your direction, we may obtain credit reports, credit scores, or related information from consumer reporting agencies such as TransUnion, Experian, or Equifax. We may also receive information from third-party services that allow you to share information through application programming interfaces (APIs), such as social media or account integration services.

Financial Account Linking Providers. MoneySolver may offer features that allow you to link and monitor third-party financial accounts through the Platform or Services. By using any account-linking functionality, you authorize MoneySolver and its service providers to access the financial accounts you designate. We may use this information to evaluate eligibility for products or services, provide recommendations, personalize your experience, and improve our offerings. For additional information regarding how such providers collect and use your information, please review their applicable privacy policies. Information obtained through account-linking services may not constitute official records from your financial institutions.

Identity Verification Providers. We may work with third-party identity verification and fraud prevention providers to confirm your identity, validate the information you provide, and supplement your personal information. For example, these providers may verify your contact details, address information, or other identifying information.

Social Media and Content Platforms. If you access your MoneySolver account through a social media or third-party platform, we may receive certain information associated with that account, such as your name, profile information, or profile photo, subject to your privacy settings with that platform. In addition, if you interact with content associated with MoneySolver on social media platforms — including liking, sharing, or commenting on content — those platforms may share information with us consistent with their privacy practices and your account settings. We may also repost or reference publicly available content that references MoneySolver, the Platform, or the Services.

Publicly Available Information. We may collect information from publicly available sources, including government databases, public records, property records, assessor records, court filings, and publicly accessible social media platforms.

Information from Data Providers and Marketing Partners. We may obtain demographic information, household information, employment history, financial and asset-related data, purchasing interests, survey responses, and other marketing or consumer profile information from third-party information providers and data brokers. This information may help us better understand customer interests, personalize our Services, and improve marketing and product offerings.

Automatically Collected Information

When you interact with us, use the MoneySolver Platform or Services, or open emails or other electronic communications from MoneySolver, we may automatically collect and record certain information from your computer, browser, and/or mobile device.

The types of information we may automatically collect include:

Usage Information. We may collect information regarding your interactions with the Platform and Services, including the websites or pages visited immediately before and after accessing the Platform, pages viewed, features used, links clicked, and other actions taken within the Platform or Services. This may include information regarding the path you take through our websites or applications, as well as the dates, times, duration, and frequency of your visits and activities (sometimes referred to as “clickstream data”).

Location Information. We may collect general or precise geolocation information from your device when you access or use the Platform or Services, particularly through mobile devices or applications, subject to your device settings and permissions.

Device and Technical Information. We may collect information about the devices and technologies you use to access the Platform or Services, including your IP address, device identifiers, browser type, operating system, mobile carrier, hardware and software configurations, language preferences, and related technical information.

Cookies & Other Technologies

When you access or use the MoneySolver Platform or Services, we may use cookies and similar tracking technologies to collect information about your interactions with our websites, applications, and Services.

Cookies

Cookies are small text files containing limited amounts of information that are downloaded to your device when you browse websites or use web-enabled applications.

We may use the following types of cookies:

• First-Party Cookies. These cookies are placed directly by MoneySolver and are used to support the operation, functionality, and performance of the Platform and Services.
• Third-Party Cookies. These cookies are placed by third-party service providers or partners on our behalf and may be used for analytics, advertising, functionality, and social media integration purposes.

Cookies may remain on your device for different periods of time, including:

• Session Cookies. These temporary cookies remain active only while your browser session is open and are generally used to support navigation, security, and technical functionality. Once you close your browser, these cookies are typically deleted.
• Persistent Cookies. These cookies remain stored on your device for a longer period and are used for purposes such as remembering your preferences, maintaining login sessions, recognizing returning users, and improving the user experience.

Like many online service providers, MoneySolver may use cookies and similar technologies to collect information such as the number of visitors to the Platform, pages viewed, time spent on pages, navigation patterns, interactions with features or content, and other usage statistics. This information helps us analyze performance, improve functionality, personalize your experience, and enhance the Services.

We generally categorize cookies as follows:

• Non-Targeting Cookies. These cookies are used primarily for operational, analytical, security, and functional purposes. They help enable core website functionality, improve performance, and support features available through the Platform and Services.
• Targeting or Advertising Cookies. These cookies may be placed by advertising partners and other third parties to help deliver advertisements that are more relevant to your interests. These cookies typically do not directly store personal information but instead rely on uniquely identifying your browser or device. If you disable these cookies, you may receive less personalized advertising and marketing content.

How to Control or Delete Cookies

Most web browsers allow you to manage or modify your cookie preferences through the browser’s settings or preferences menu. These settings may allow you to block, disable, delete, or otherwise control the use of cookies and similar tracking technologies on your device.

To learn more about how to adjust your browser settings, please refer to your browser’s “Help” feature or the online support documentation applicable to your specific browser and device.

Third-Party Web Beacons and Social Media Features

MoneySolver may include third-party advertising, analytics, social media integrations, or other third-party content within the Platform or Services. These third parties may use clear GIFs, pixel tags, web beacons, cookies, mobile advertising identifiers, and similar tracking technologies to collect information about your interactions with the Platform and Services.

For example, third-party content providers may use these technologies to read or place cookies in your browser in connection with the display of advertisements or content on the Platform. We may also include third-party social media features or buttons, such as “like,” “share,” or similar integrations, which may allow third parties to collect information about your online activity even if you do not directly interact with those features.

MoneySolver may also work with third-party analytics, advertising, and marketing providers, including providers such as Google Analytics and similar service providers, to help us analyze usage of the Platform and Services, improve performance, provide targeted advertising, and better understand user behavior. These third parties may automatically collect clickstream data, device identifiers, browsing activity, and other information regarding your interactions across websites, applications, browsers, and devices using cookies and related technologies.

We and our third-party partners may use this information for purposes including:

• Website and application analytics
• Advertising personalization and measurement
• Fraud detection and prevention
• Performance monitoring and troubleshooting
• Facilitating business partnerships and integrations
• Delivering advertisements and content tailored to your interests and preferences across devices and platforms

Where information is collected directly by third parties through their own tracking technologies, the collection, use, and disclosure of such information is governed by the applicable third party’s own privacy policies and practices, not this Privacy Policy.

Some third-party advertising and analytics providers may participate in industry self-regulatory programs such as the Digital Advertising Alliance (“DAA”) or the Network Advertising Initiative (“NAI”), which provide tools that allow you to opt out of certain forms of targeted advertising. You may learn more or exercise available opt-out rights by visiting:

• https://optout.aboutads.info/
• https://optout.networkadvertising.org/

You may also opt out of certain Google Analytics tracking features by visiting:

• https://tools.google.com/dlpage/gaoptout

Because websites and mobile applications may use different tracking technologies, you may need to separately manage your preferences across browsers, devices, and applications. Many mobile devices also provide settings that allow you to limit or disable interest-based advertising within mobile applications. Please review your device settings for additional information.

You may also uninstall any MoneySolver mobile application using the standard uninstall functionality available through your mobile device or application marketplace. Please note that any opt-out preferences you select generally apply only to the specific browser or device from which you make the selection.

How We Use Your Information

Your information is an important part of how MoneySolver operates and provides the Platform and Services. We may use your Personal Information for the following business and commercial purposes:

• To provide the products, services, and information you request
• To operate, maintain, and deliver the MoneySolver Platform and Services
• To verify your identity and manage your account or profile
• To communicate with you regarding customer support, account activity, security alerts, updates, and administrative matters
• To provide information regarding products or services offered by MoneySolver or our third-party partners that may be relevant to your interests or financial needs
• To send newsletters, surveys, promotional communications, contests, sweepstakes, event invitations, and other marketing or informational materials
• To personalize your experience with the Platform and Services and tailor content, recommendations, and advertisements
• To analyze user behavior, usage trends, and preferences across devices and platforms
• To improve, develop, test, and enhance existing and new products, services, features, and functionality
• To maintain the security, integrity, and functionality of the Platform and Services, including detecting, investigating, preventing, and responding to fraud, unauthorized activity, security incidents, or other unlawful conduct
• To enforce our Terms, policies, and agreements, and investigate violations thereof
• To protect the rights, property, safety, and legal interests of MoneySolver, our users, business partners, and others
• To comply with applicable laws, regulations, legal obligations, court orders, regulatory inquiries, and licensing requirements
• To address intellectual property, privacy, defamation, or other claims related to content submitted or posted through the Platform or Services
• For any other purpose disclosed to you at the time information is collected or with your consent

Artificial Intelligence and Automated Communications

MoneySolver may use artificial intelligence, automated systems, virtual assistants, or similar technologies to communicate with consumers, respond to inquiries, assist with scheduling, collect information, route communications, and support our customer service and sales operations. These technologies may be used in telephone calls, text messages, online chat, or other communications.

When a consumer interacts with an automated or AI-assisted system, information provided during the interaction may be collected, transcribed, analyzed, or processed to respond to the request, improve our services, maintain records of the interaction, and support our business operations. We may use third-party technology providers to provide these services on our behalf, subject to applicable contractual, privacy, and security requirements.

AI-assisted communications are not a substitute for professional tax, legal, or financial advice. Matters requiring professional judgment or representation are handled by appropriately qualified personnel.

Communications and Marketing

With your consent where required by law, MoneySolver may use your email address, phone number, or other Personal Information to:

• Contact you for administrative purposes, customer support, surveys, reviews, or service-related communications
• Provide promotional offers, advertisements, and marketing communications regarding MoneySolver products, services, or third-party offerings
• Inform you about products, services, opportunities, or content that may be relevant to your interests

SMS Communications

MoneySolver uses SMS to communicate with users who have expressed interest in our services via our online forms or through email. When you opt in to this service, we will send you an SMS message to confirm your signup.

Periodically, you may receive additional SMS messages about service offers, updates made to your case, or other marketing purposes.

How to Opt-Out of SMS and Other Communications

You may opt out of promotional email communications at any time by using the unsubscribe links included in such communications, adjusting your account preferences, or contacting us directly using the contact information provided in this Privacy Policy.

To cancel the SMS service, reply “STOP” at any time. After you opt out, MoneySolver will send an SMS message to confirm that you have been unsubscribed. If you want to start receiving messages again, please email us at info@moneysolver.org or submit an online contact form.

Please note that message and data rates may apply for any messages sent to you from us and to us from you. Message frequency may vary on updates to your account and marketing promotions. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Use of Artificial Intelligence and Automated Technologies

MoneySolver may use artificial intelligence, machine learning, large language models, and other automated or generative technologies (“AI Tools”) in connection with operating, improving, personalizing, and delivering the Platform and Services.

We may use Personal Information, usage information, interaction data, and other information collected through the Platform and Services to develop, train, retrain, evaluate, test, monitor, and improve AI Tools and related technologies. This may include the use of aggregated, anonymized, de-identified, pseudonymized, or otherwise processed information to improve system performance, functionality, accuracy, reliability, safety, and user experience.

Where appropriate, MoneySolver implements administrative, technical, and physical safeguards designed to help protect personal information processed through AI Tools. We also take commercially reasonable steps intended to minimize the use of directly identifiable Personal Information in connection with AI model training and evaluation activities.

AI-generated content, recommendations, responses, summaries, and other outputs are provided for general informational and educational purposes only. Such outputs may contain inaccuracies, incomplete information, or outdated content and should not be relied upon as financial, legal, tax, accounting, investment, or other professional advice. You should consult a qualified professional before making financial, legal, or other significant decisions.

If you do not agree to the processing of your information through AI-enabled features or technologies, you should discontinue use of those features and, where applicable, the Platform or Services.

MoneySolver does not use AI Tools as the sole basis for making legally binding or similarly significant decisions regarding eligibility for financial products, credit, lending, or related services. AI-generated outputs do not independently approve, deny, or otherwise determine a consumer’s eligibility for financial products or services.

How We Disclose Your Information

MoneySolver may disclose your information to affiliated and unaffiliated third parties in connection with providing the Platform and Services, operating our business, complying with legal obligations, and facilitating the products or services you request.

Examples of circumstances in which we may disclose your information include the following:

Identity Verification and Fraud Prevention

We may disclose Personal Information to third-party service providers, identity verification vendors, fraud prevention providers, and similar partners to verify your identity, authenticate your information, detect fraud, and support the security and operation of the Platform and Services. Information disclosed for these purposes may include your name, address, email address, telephone number, date of birth, Social Security number, government-issued identification information, or other identifying information.

We may also request and use portions of your Social Security number or similar identifiers to verify your identity in connection with credit-related services, account access, or other financial information services.

Providing and Facilitating Financial Products and Services

MoneySolver may disclose information collected from you to third-party financial institutions, lenders, insurers, service providers, lead aggregators, marketing partners, and other business partners in connection with your requests for products, services, or information.

Examples may include situations where:

• You request to apply for or prequalify for a loan, credit card, insurance product, debt relief program, or other financial product or service.
• You request personalized offers, quotes, or additional information from financial service providers or aggregators.
• You request access to your credit report, credit score, or related financial information.
• You choose to connect or access third-party banking, credit card, retirement, investment, or financial accounts through the Platform or Services.
• You submit a complaint, inquiry, or dispute relating to a third-party provider, lender, partner, or featured product, in which case we may forward your communication to the applicable party; or
• You request educational information, financial guidance, customer support, or assistance through the Platform or Services, in which case we may share relevant information with service providers, advisors, support personnel, or other authorized third parties assisting in the response.

Service Providers and Business Operations

We may disclose Personal Information to vendors, contractors, consultants, analytics providers, cloud service providers, payment processors, customer support providers, marketing providers, and other third parties who perform services on our behalf and who require access to such information to support our business operations.

Legal Compliance and Protection of Rights

We may disclose information where required or permitted by law, including to comply with subpoenas, court orders, legal process, regulatory requests, or governmental investigations. We may also disclose information where we believe disclosure is necessary to protect the rights, property, safety, or security of MoneySolver, our users, business partners, or others, or to enforce our Terms, policies, and agreements.

Corporate Transactions

In the event of a merger, acquisition, financing, sale of assets, bankruptcy, reorganization, or similar corporate transaction, Personal Information may be disclosed or transferred as part of the transaction, subject to applicable confidentiality and legal requirements.

With Your Consent or Direction

We may disclose your information to third parties with your consent, at your direction, or as otherwise disclosed to you at the time the information is collected. If you request a product, service, quote, consultation, or additional information regarding a product or offering through the MoneySolver Platform or Services, you consent to the disclosure of your Personal Information to applicable third parties as necessary to process and fulfill your request.

The collection, use, storage, and disclosure of your information by such third parties will be governed by their respective privacy policies and terms of use. MoneySolver does not control and is not responsible for how third parties use, share, or otherwise process your information once it has been disclosed to them.

If you submit a request through the Platform or Services, third-party providers, partners, lenders, service providers, or other related entities may contact you directly regarding your inquiry, including by telephone calls, prerecorded or autodialed calls, SMS or text messages, email, direct messaging, fax, or other forms of communication, to the extent permitted by applicable law. You understand that such communications may occur even if your telephone number is listed on a federal, state, or other applicable Do Not Call registry.

If you do not wish to have your Personal Information disclosed to third parties as described above, you should not submit requests for products, services, quotes, consultations, or additional information through the Platform or Services. Once your request has been submitted and your information has been shared, the applicable third party’s privacy policy and practices will govern their use of your information.

You may choose not to provide certain information to MoneySolver; however, doing so may limit your ability to access or use certain features, products, or functionality of the Platform or Services.

You are under no obligation to accept any consultation, offer, product, or service provided by a third-party following submission of a request through the MoneySolver Platform or Services.

Third-Party Websites

The MoneySolver Platform and Services may contain links to third-party websites, applications, products, or services that are not owned or controlled by MoneySolver. These third-party websites and services may have privacy policies, terms of use, and data collection practices that differ from those of MoneySolver.

Any information you provide to third-party websites or services, including websites relating to third-party products or offers, will be governed by the applicable third party’s privacy policy and practices, rather than this Privacy Policy. MoneySolver encourages you to carefully review the privacy policies and terms of use of any third-party websites or services you access through links on the Platform or Services.

Third-party websites and services may use their own cookies, web beacons, tracking technologies, and similar tools to collect information about you, including your IP address, browsing activity, device information, and other Personal Information.

MONEYSOLVER DOES NOT CONTROL, ENDORSE, OR ASSUME RESPONSIBILITY FOR THE PRIVACY PRACTICES, CONTENT, SECURITY, OR DATA HANDLING ACTIVITIES OF ANY THIRD-PARTY WEBSITES, PRODUCTS, OR SERVICES. YOU ACCESS SUCH THIRD-PARTY WEBSITES AND SERVICES AT YOUR OWN RISK. PLEASE REVIEW THE APPLICABLE PRIVACY POLICIES AND TERMS OF USE OF EACH THIRD-PARTY WEBSITE OR SERVICE BEFORE PROVIDING ANY PERSONAL INFORMATION OR OTHERWISE INTERACTING WITH THEM.

How Long We Retain Your Personal Information

MoneySolver may retain your personal information for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, provide the Platform and Services, comply with applicable legal obligations, resolve disputes, enforce agreements, and protect our legal rights and interests.

In determining the appropriate retention period for personal information, we may consider a variety of factors, including:

• The nature and sensitivity of the information
• The purposes for which the information was collected and processed
• Your relationship and interactions with MoneySolver
• Our ongoing business and operational needs
• Applicable legal, regulatory, tax, accounting, reporting, or recordkeeping requirements
• Applicable statutes of limitation
• The need to maintain information for fraud prevention, security, auditing, analytics, dispute resolution, or enforcement purposes

If you no longer wish to use the MoneySolver Platform or Services, you may request closure or deactivation of your account, where applicable. Following account deactivation, we may retain certain information for legitimate business purposes, including legal compliance, record retention, fraud prevention, dispute resolution, security, backups, archival purposes, analytics, and enforcement of our agreements and policies.

After account deactivation or termination, your access to certain features, linked accounts, or services may be discontinued, and you may no longer receive communications related to those services, except as required for legal, transactional, or administrative purposes.

In some circumstances, MoneySolver may be unable to fully delete, anonymize, or de-identify certain information due to technical limitations, legal or regulatory obligations, security requirements, litigation holds, backup systems, or other operational constraints. Where deletion is not immediately possible, we will take commercially reasonable measures designed to securely isolate and protect the retained information from further active processing until deletion, anonymization, or de-identification becomes feasible.

Exercising Your Rights

Depending on your state or country of residence, you may have certain rights regarding the collection, use, disclosure, and processing of your Personal Information. The availability and scope of these rights may vary based on applicable law.

Updating Privacy Preferences and Requesting Deletion

Regardless of your location, you may request to update your privacy preferences or request deletion of your Personal Information by contacting MoneySolver at marketingsupport@moneysolver.org or through the Opt-Out Form available through the Platform or Services.

If you request deletion of your personal information, MoneySolver will process your request in accordance with applicable law and our data retention obligations and policies. In certain circumstances, we may retain or anonymize information as permitted or required by law, including for legal compliance, fraud prevention, dispute resolution, security, archival, or legitimate business purposes.

Cookies and Tracking Technologies

You may control certain cookies and interest-based advertising preferences through your browser settings, device settings, or industry opt-out programs, including:

• Network Advertising Initiative (NAI): https://optout.networkadvertising.org/
• Digital Advertising Alliance (DAA): https://optout.aboutads.info/

Residents of certain jurisdictions may have additional rights regarding targeted advertising, profiling, sale or sharing of personal information, or tracking technologies under applicable privacy laws.

Verification of Requests

To protect your privacy and maintain the security of your personal information, MoneySolver may require you to verify your identity before processing certain privacy rights requests. Verification may involve requesting additional identifying information or documentation sufficient to confirm your identity or authority to make the request.

If we are unable to verify your identity or authority, we may be unable to fulfill your request.

Updating Your Information

If you maintain an account with MoneySolver, you may be able to access, update, or correct certain account and profile information by logging into your account settings.

You may also contact us directly to request updates or corrections to your personal information. We will make commercially reasonable efforts to correct inaccurate information where required by applicable law.

Deactivating Your Account

Deactivating or closing your account does not necessarily result in the deletion of your Personal Information. Following deactivation, MoneySolver may retain information as reasonably necessary for legal compliance, recordkeeping, fraud prevention, dispute resolution, security, backups, archival purposes, analytics, and enforcement of our agreements and policies.

Upon deactivation, certain services, linked accounts, and communications may terminate or become unavailable.

Unsubscribing and Managing Communications

Email Communications

If you no longer wish to receive promotional or marketing emails from MoneySolver, you may opt out by clicking the unsubscribe link included in such emails or by adjusting your communication preferences where available. Please note that even if you opt out of marketing communications, we may still send transactional, account-related, security, legal, or administrative communications necessary to provide the Platform or Services.

SMS and Text Message Communications

If you receive SMS or text message communications from MoneySolver, you may opt out at any time by replying “STOP” to any message you receive from us or by following the instructions provided in the message.

After opting out, you may receive a final confirmation message confirming your unsubscribe request. Standard messaging and data rates may apply depending on your mobile carrier and plan.

If you require assistance regarding SMS communications, you may reply “HELP” to a message received from us or contact us directly at marketingsupport@moneysolver.org.

Data Security

MoneySolver maintains administrative, technical, physical, and organizational safeguards designed to help protect the security, confidentiality, and integrity of your personal information. These measures are intended to protect against unauthorized access, disclosure, alteration, misuse, or destruction of information collected through the Platform and Services.

However, no method of transmitting or storing information over the internet or through electronic systems is completely secure. As a result, while MoneySolver strives to use commercially reasonable measures to protect your information, we cannot guarantee or warrant the absolute security of any information transmitted to, through, or stored on the Platform or Services. Any transmission of information is at your own risk.

You are also responsible for helping protect your personal information. You should maintain the confidentiality of your passwords, account credentials, and authentication information, and avoid sharing them with third parties. If you believe your account credentials have been compromised or that there has been unauthorized access to your account, you should notify MoneySolver immediately and take appropriate steps to secure your account.

Children’s Privacy

The MoneySolver Platform and Services are intended for a general audience and are not directed to or intended for use by children under the age of eighteen (18).

Individuals under the age of eighteen (18) are not permitted to use the Platform or Services, and MoneySolver does not knowingly collect, solicit, or maintain personal information from children under eighteen (18) years of age.

If MoneySolver becomes aware that personal information has been inadvertently collected from a child under the age of eighteen (18), we will take commercially reasonable steps to delete such information in accordance with applicable law.

If you believe that a child under eighteen (18) may have provided personal information to MoneySolver, a parent or legal guardian may contact us using the contact information provided in this Privacy Policy to request deletion of the child’s information.

Changes and Updates to This Privacy Policy

MoneySolver reserves the right to modify, revise, or update this Privacy Policy at any time in its sole discretion. Any changes to this Privacy Policy will become effective immediately upon posting the updated version on the Platform or Services, unless a later effective date is expressly stated.

If we make material changes to the manner in which we collect, use, disclose, or otherwise process your Personal Information, we may provide additional notice, such as by posting a prominent notice on the Platform or Services, sending you an email notification, or using other appropriate communication methods as required by applicable law.

You are encouraged to review this Privacy Policy periodically to remain informed about our privacy practices and any updates. Your continued access to or use of the MoneySolver Platform or Services following the posting of changes to this Privacy Policy constitutes your acknowledgment and acceptance of such changes to the fullest extent permitted by law.

For the avoidance of doubt, any disputes arising under this Privacy Policy shall be governed by the version of the Privacy Policy in effect at the time the applicable dispute arose.

Our Contact Information

If you have any questions or comments regarding this Privacy Policy, your personal information, our practices, or your consent, please email us at marketingsupport@moneysolver.org.

MoneySolver, 7159 Corklan Dr., Suite 150, Jacksonville, FL 32258

Supplemental Notice to Residents of California, Colorado, Connecticut, Montana, Oregon, Texas, Utah, Virginia, and Nevada

California Residents

If you are a resident of California, this section provides additional details about the personal information we collect about you and your rights under the California Consumer Privacy Act (“CCPA”) and California Privacy Rights Act (“CPRA”).

Subject to certain limitations, the CCPA and CPRA provide you the right to request:

• Access to details on the personal information we collect and/or sell (including how we use and disclose this information, to whom we may sell it)
• Deletion of your personal information
• Correction of any inaccuracies in your personal information
• To opt out of any “sale” or “sharing” of your personal information that may occur, including sensitive personal information
• To not be discriminated against for exercising any of the above rights

If you would like to submit a request to exercise your California privacy rights, you may do so either by submitting a request through our privacy rights form or by emailing marketingsupport@moneysolver.org with your request. We will verify your request using information associated with your account, including your email. Further identification may be required. You may also designate an authorized agent to act on your behalf.

Please note that MoneySolver may retain a record of your request to delete your personal information.

You have the right to opt out of the sale or sharing of your personal information, including for the purpose of cross-context behavioral advertising. To opt out of cross-context behavioral advertising, please activate the “Do Not Sell” option in your cookie preferences. To opt out of other kinds of sales or sharing, please submit our opt-out form.

Colorado, Connecticut, Montana, Oregon, Texas, Utah, and Virginia Residents

Residents of Colorado, Connecticut, Montana, Oregon, Texas, Utah, and Virginia may have additional rights regarding the Personal Information MoneySolver collects and processes about them under applicable state privacy laws, including but not limited to the:

• Colorado Privacy Act (“CPA”)
• Connecticut Data Privacy Act (“CTDPA”)
• Montana Consumer Data Privacy Act (“MCDPA”)
• Oregon Consumer Privacy Act (“OCPA”)
• Texas Data Privacy and Security Act (“TDPSA”)
• Utah Consumer Privacy Act (“UCPA”)
• Virginia Consumer Data Protection Act (“VCDPA”)

Subject to applicable legal exceptions and limitations, eligible residents of these states may have the following rights:

Right to Access

You may have the right to confirm whether MoneySolver processes your personal information and to access such information. You may also request a portable copy of your personal information in a format that is reasonably usable and transferable.

Where required by applicable law, eligible Oregon residents may also request a list of specific third parties to whom MoneySolver has disclosed personal information.

Right to Delete

You may request that MoneySolver delete personal information collected from or about you, subject to applicable legal exceptions.

Right to Correct

You may request correction of inaccuracies in your personal information, taking into account the nature of the information and the purposes for which it is processed.

Right to Opt Out

Depending on your state of residence, you may have the right to opt out of:

• Processing of personal information for targeted advertising
• The sale of personal information
• Profiling in furtherance of decisions that produce legal or similarly significant effects

Right to Appeal

If MoneySolver declines to take action on a privacy rights request, you may have the right to appeal that decision in accordance with applicable law.

Regardless of your state residency, you may exercise some of the rights described above by sending us an email at marketingsupport@moneysolver.org with the subject line “[State] Consumer Request” and the relevant right identified in the body of the email.

Additional Disclosures for Colorado Residents

MoneySolver may use, disclose, process, or otherwise make available certain personal information for targeted advertising purposes as described in the “How We Use Your Information” and “How We Disclose Your Information” sections of this Privacy Policy.

Supplemental Notice to Nevada Residents

Under Nevada law, certain Nevada residents may have the right to direct a business not to sell certain covered personal information in exchange for monetary consideration to specific third parties. This right may apply even if MoneySolver does not currently sell your personal information. If you are a Nevada consumer and wish to exercise this right, please send an email with the subject line “Nevada Resident Do Not Sell Request” to marketingsupport@moneysolver.org.

How To Contact Us

If you have any questions or concerns regarding the Privacy Policy Agreement related to our website, please feel free to contact us at info@moneysolver.org or mail correspondence to:

MoneySolver
Attn: Customer Service
7159 Corklan Drive
Suite 150
Jacksonville, FL 32258