Privacy Policy

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Privacy Policy
United Financial Freedom, LLC

Effective Date: 01/01/2026

1. Introduction
    

United Financial Freedom, LLC (“United Financial Freedom,” “we,” “our,” or “us”) is committed to protecting the privacy and personal information of our clients and website visitors. This Privacy Policy explains how we collect, use, disclose, safeguard, and retain personal information in connection with our debt mediation, settlement evaluation, financial coaching, and lower interest credit integrity programs.

This policy applies to information collected through our website, communications, applications, and services. By accessing our website or engaging with our services, you acknowledge and agree to the practices described in this Privacy Policy.

1. Scope of Services
    

United Financial Freedom provides the following services:

• Debt mediation advocacy
• Debt settlement evaluation
• Financial coaching and education
• Lower interest and credit integrity programs
• Credit-based program evaluation, with consumer authorization

United Financial Freedom is not a law firm, credit repair organization, credit counseling agency, or lender. We do not provide legal, tax, or credit repair advice.

1. Information We Collect
    

We collect personal information necessary to provide services responsibly and in compliance with applicable laws.

Personal Identifiers
• Full name
• Mailing address
• Email address
• Telephone number
• Date of birth, when required for identity verification

Financial Information
• Information related to debts, creditors, balances, and payment history
• Income and expense information provided by the consumer
• Banking or payment information for authorized program fees

Credit Information
With your written or electronic authorization, we may obtain consumer credit information through soft credit inquiries that do not impact your credit score. We do not perform hard credit inquiries unless expressly authorized by the consumer.

Technical and Usage Information
• IP address
• Browser type
• Device identifiers
• Website interaction data
• Cookies and similar technologies

1. Permissible Purpose and Use of Information
    

All personal and financial information is collected and used solely for permissible purposes under the Fair Credit Reporting Act (FCRA) and applicable state laws.

We use information to:

• Evaluate eligibility for debt mediation, settlement evaluation, financial coaching, and lower interest programs
• Provide educational guidance and program support
• Assess credit utilization and credit-based program options
• Communicate regarding services, inquiries, disclosures, and account-related information
• Comply with legal and regulatory obligations
• Prevent fraud, unauthorized activity, and misuse of services

United Financial Freedom does not sell consumer data or use personal information for unrelated marketing purposes.

1. Credit Reports and Soft Credit Inquiries
    

When credit information is accessed:

• A permissible purpose exists under the FCRA
• Consumer authorization is obtained prior to access
• Inquiries are conducted as soft inquiries unless otherwise disclosed
• Soft inquiries do not impact credit scores

Credit information is used strictly for evaluation, education, and program placement purposes.

1. Disclosure of Information
    

We may share personal information only as necessary and permitted by law with:

Service Providers

• Credit reporting agencies and authorized data resellers
• Financial institutions involved in credit or balance transfer programs
• Payment processors
• Technology and data security providers
• Compliance, audit, and legal service providers

Legal and Regulatory Disclosures
• Courts, regulators, or law enforcement when required by law
• Parties necessary to protect our rights, consumers, or the integrity of our services

We do not permit third parties to use personal information for their own marketing purposes.

1. Data Retention
    

We retain personal information only for as long as necessary to:

• Provide services
• Meet legal and regulatory obligations
• Resolve disputes
• Enforce agreements

When information is no longer required, it is securely deleted or anonymized in accordance with industry standards.

1. Consumer Privacy Rights (CCPA / CPRA)
    

California residents have the right to:

• Know what personal information is collected and used
• Request access to personal information
• Request correction of inaccurate information
• Request deletion of personal information, subject to legal obligations
• Opt out of the sharing of personal information
• Limit the use of sensitive personal information

United Financial Freedom does not discriminate against consumers for exercising privacy rights.

Requests may be submitted using the contact information below. Identity verification is required before fulfilling requests.

1. Data Security
    

We implement administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction. While we take reasonable precautions, no system can guarantee absolute security.

1. Cookies and Tracking Technologies
    

We use cookies and similar technologies to support website functionality, security, and limited analytics. You may manage cookie preferences through your browser settings. Disabling cookies may affect website functionality.

1. Communications and Consent
    

Service-related communications are necessary to deliver our services. Promotional communications, if any, are provided on an opt-in basis and may be withdrawn at any time.

1. Third-Party Websites
    

Our website may contain links to third-party websites. United Financial Freedom is not responsible for the privacy practices or content of third-party sites.

1. Children’s Privacy
    

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from minors.

1. Changes to This Privacy Policy
    

We may update this Privacy Policy periodically. Updates will be posted on this page with a revised effective date. Continued use of our website or services constitutes acceptance of the updated policy.

1. Contact Information
    

United Financial Freedom, LLC
PO Box 2145
La Mesa, CA 91943
Email: UFF.United.Financial@gmail.com
Phone: 866-367-4494

By using this website or engaging with United Financial Freedom, you acknowledge that you have read, understood, and agree to this Privacy Policy.