Privacy Policy

Introduction

The Card Member Services Financial Group ("CMS Financial Group" or "we", "us", "our") owns and manages this website at https://cmsfinancialgroup.com and any company affiliate or subsidiary website or mobile application (collectively, the "Sites"). This privacy statement (hereinafter referred to as the "Privacy Policy") covers all such sites.

In this privacy statement, "we," "us," or "our" refer to CMS Financial Group subsidiaries or affiliates that have a link to this privacy statement. This Privacy Policy outlines how we may gather information from or about you, how we may use that information, how we could share it with others, and how information might be gathered and used for advertising. You can better understand our online information security procedures by reading this Privacy Policy.

Acceptance of the Policy

By using this website, you agree to our privacy statement, as well as the way in which we may use and disclose information about you. If you do not agree with our privacy practices, please do not use our website.

Our Privacy Commitment

Your privacy is important to us. To better protect your privacy we explain our online information practices and the choices you can make about the way your information is collected and used. We make privacy information available on our homepage and on pages throughout our Site.

What Information We Collect

This Privacy Policy explains how we handle any personal information you provide us or grant us permission to receive, as well as any other data we may compile while we do our business and/or when you visit one of our Sites. The types of personal information we collect include:

• Name, address, email address, and phone number
• State of residence and date of birth
• Total amount of unsecured debt
• IP address and website activity on our site
• How you learned about us
• Social Security number (for qualified clients)
• Employment and income information
• Credit history and financial information
• Communication preferences

How We Use Your Information

We use the data we have collected from you in order to:

• Share statistical data that has been compiled with our commercial partners or for public relations
• Give opportunities for our affiliates and other businesses to let you know about goods or services they provide that could interest you
• Discover ways to enhance our offerings
• Offer client support and respond to your inquiries
• Access consumer records and create client accounts
• Engage consumers who desire debt relief services
• Find out more about your interest in goods or services we or our affiliates supply
• Send you promotional materials and updates about our services
• Contact you regarding application status and scheduling
• Comply with legal obligations and regulations

Information Disclosure to Third Parties

In order to effect or carry out any transaction you have requested from us, or as necessary to meet our contractual duties with you, we may disclose a consumer's personally identifiable information. We retain the right to sell, rent, or transfer your personal information to other parties for any reason as authorized by law.

Your personally identifiable information could be shared with connected businesses that CMS Financial Group directly or indirectly controls or that are under its common control. We may disclose personally identifiable information about you to other businesses that are not directly or indirectly under common ownership with, or controlled by CMS Financial Group.

If you do not want your personal information to be collected by any third party who is not our agent or service provider, please contact our customer service department by sending an email to help@cmsfinancialgroup.com to proactively opt-out.

Cookies and Tracking Technologies

A cookie is a short text file that is kept as a record on a user's computer. On this website, cookies are used. The data we save in cookies is not connected to any personally identifiable data you provide to us while using our website.

We employ cookies with session IDs to make it simpler for you to navigate our site. Session ID cookies expire as soon as your browser is closed. At your request, we can establish a persistent cookie to save you from having to enter your password many times. We may track and target the interests of our users thanks to persistent cookies to improve the user experience on our site.

You may still use our site if you refuse cookies, but certain features may not work as well for you. Some of our business partners use cookies on our website, but these cookies are not under our control or access.

Do Not Call and Do Not Contact Policies

This privacy policy serves as the CMS Financial Group Do Not Call Policy for all customers under the Telephone Consumer Protection Act. We reserve the right to listen in on or record any telephone conversations you have with us.

We keep a record of internal Do Not Call requests. Requests for "Do Not Call" status will be complied with within 30 days and remain in effect for at least five years. Residential or mobile phones that are on the Do Not Call list will not receive telemarketing calls.

You can ask us not to contact you at your phone number, email address, or postal mailing address. However, please be aware that even if you choose not to receive marketing offers by phone, mail, or email, we may still need to get in touch with you to handle account-related issues and for other non-marketing reasons.

Data Security

We have put in place suitable physical, technological, and management systems to protect and secure the information we collect online in order to prevent unauthorized access, preserve data accuracy, and guarantee proper use of information. However, no method of transmission over the Internet or electronic storage is completely secure.

Children's Privacy

The Site is not aimed at individuals under the age of thirteen (13). We never intentionally collect information from children under the age of 13 without parental permission. If you believe that we have collected information from a child or another person who is under the legal age of majority in their relevant jurisdiction, please contact us immediately. We will use all commercially reasonable efforts to have the information deleted.

Social Security Numbers and Sensitive Information

When we acquire your Social Security number, our Privacy Policy: (1) safeguards the privacy of Social Security numbers, (2) forbids their unauthorized disclosure, and (3) places restrictions on who can access them. We only collect and use sensitive information for legitimate business purposes and in compliance with all applicable laws.

California Privacy Rights (CCPA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA). You have the right to:

• Know what personal information we collect, use, and share
• Delete personal information we have collected from you
• Opt-out of the sale or sharing of your personal information
• Have your personal information corrected
• Receive your information in a portable format
• Not be discriminated against for exercising your privacy rights

To exercise these rights, please contact us at help@cmsfinancialgroup.com or call (888) 364-8698. We will verify your identity before processing your request.

State-Specific Privacy Rights

Vermont Residents

We automatically consider accounts with Vermont billing addresses as if you asked that we restrict the information we share with our affiliates and that we limit the information we share with nonaffiliated third parties.

Nevada Residents

Nevada law mandates that we provide you our contact details. You can ask to be included on our internal "Do Not Call" list by contacting us directly. Contact: CMS Financial Group, 1317 Edgewater Dr, Orlando, FL 32804, Phone: (888) 364-8698, Email: help@cmsfinancialgroup.com.

International Users

This privacy statement is meant to address the gathering of data from US citizens via our websites. Please be advised that your information is transmitted to, stored, and processed in the United States, where our servers are located and where our central database is run. The rules and regulations governing data protection in the US and other nations might not be as thorough as those in your country. By utilizing our services, you agree that we may move your information to our facilities and to the third parties we share it with in accordance with this Notice.

Contact Us

If you have any questions or concerns regarding the privacy policies, please contact us:

Changes to This Privacy Policy

This Privacy Policy is subject to change at any moment, as we retain the right. Your privacy won't be in danger from us. We urge you to periodically visit our site to view the most recent Privacy Policy so that you are aware of how we are dedicated to safeguarding your information and improving the material on our Site for you in order to better your online experience.