Privacy Policy - Lighthouse Finance Solutions

LIGHTHOUSE FINANCE SOLUTIONS ONLINE PRIVACY POLICY

Last Updated: November 18, 2025.

Your privacy is important to Lighthouse Finance Solutions, LLC (“LFS”). This Online Privacy Policy (“Privacy Policy”) explains how LFS may collect, use, store, and share information from or about you, and explains how information collected from or about you may be, used, including for advertising purposes, and/or how your information shared with third parties through our site https://www.lighthousefinancesolutions.com, or through our affiliates that link to our policy or reference this policy, or any of LFS’s online sites and marketing services, including the websites, social media sites or pages, mobile application (if available), as well as any interactions you may have while viewing content provided through one of our advertising campaigns whether done on your computer or mobile device (collectively the “Sites”).

Agreement to this Policy: This Privacy Policy is incorporated by reference into LFS’s Terms and Conditions, and too, is subject to your obligation to arbitrate claims brought pursuant to this Privacy Policy in accordance with your agreement to arbitrate in Section 11 titled Dispute Resolution by Binding Arbitration. By using, interacting with, entering information, or viewing information on the Sites, you expressly acknowledge and consent to this Privacy Policy in its entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that LFS will rely on your use, and interaction with our Sites as your express consent to the terms of this Privacy Notice.

YOU AGREE THAT YOU HAVE READ, UNDRESTOOD, AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY, AND YOUR OBLIGATION TO ARBITRATE CLAIMS UNDER OUR ARBITRATION AGREEMENT.

As you review this Privacy Policy, here are a few general principles to keep in mind:

LFS’s debt relief services are directed for U.S. Residents exclusively. LFS does not market, offer, or otherwise provide services to, or collect information from non-U.S. individuals. See Notice to Users Outside of the United States in this Policy for further information.
LFS’s debt relief services online services are not intended for, or offered to, minors under 18 years of age. See Children Online Privacy Protection Act (“COPPA”) Disclosure.
Should you sign up for our debt relief service, in addition to this Privacy Policy, you understand that Personally Identifiable Information (“PII”) and/or Personal Financial Information (“PFI”), may or will be collected, processed, used, shared, and stored, as part of our services, and that in addition to this Policy, you may be subject to additional contractual terms in your Debt Settlement Service Agreement with LFS.

INFORMATION LIGHTHOUSE FINANCE SOLUTIONS MAY COLLECT:

LFS may collect certain categories of information, including Personally Identifiable Information (“PII”), Personal Financial Information (“PFI”) and other sensitive personal information that may be shared with or collected by LFS in accordance with the law including information in the following categories:

General Identifying Information: General Identifying Information may include, but not limited to, you full name, postal address, e-mail address, telephone number, account ID, other data made publicly available about you, provided by you, or made available by other similar identifiers.
Demographic Information and Important Dates: Demographic Information and Important Dates may include, but not limited to, language preferences, age, and/or date of birth.
Financial Information: Financial Information may include, but not limited to, your credit, debit, or other payment data, bank account information, personal financial statements, or other financial personal information about you or your household.
Credit Information: Credit Information may include, but not limited to, your credit score, credit accounts status, outstanding credit balances, and other creditworthiness information about you or your household.
Internet or Other Electronic Information: Internet or other Electronic Information may include, but not limited to, your web history, search history, interactions with a website, email, applications, or advertisements, IP address, IP Host location, enabled cookies, or any other information that may be automatically obtained from you while making use of the Sites.
Geolocation information: Geolocation information may include, but not limited to, your real-time location or GPS coordinates data provided by your computer or mobile device or web browser, data derived from your IP address, general location based on nearby Wi-Fi networks or cell towers, location history records, geotags in content uploaded to the Site, or other user location information entered by you.
Categories that may be considered Sensitive Personal information: Such information may include Government Identifiers (including social security numbers, driver license, or other government issued identifiers), certain Financial Information (such information that maybe protected by Federal Financial regulations such as the GLBA), Credit Information (such as a Credit Report), or other sensitive information as defined by applicable law.
Inferences drawn from the above information about your predicted characteristics.

HOW DOES LIGHTHOUSE FINANCE SOLUTIONS COLLECT YOUR INFORMATION:

LFS may collect PII and/or PFI from each of the above categories in the following ways:

Directly from You. LFS may collect certain PII and/or PFI from the categories in section I above directly from you. You may be asked to provide certain information when requesting information about our debt settlement program, at the time of your debt advisor session analyzing your financial situation, or at the time of enrollment for our debt relief services.
Indirectly from You. Certain interactions with the Sites may, using cookies, pixels, or other tracking tools or software, collect information about you, your location, your IP, or other categories in section I of this Policy.
From Marketing and Analytical Partners. LFS may utilize and/or partner with various marketing and/or analytical partners such as Google Analytics, Meta, or other third-party online marketing and analytics services that analyze the Sites or partner to market the Sites or our services.
From Third-Party Vendors, Affiliates, and Partners. LFS may obtain certain PII and PFI about you from third parties providing credit reporting data, accounts history data, service data, or other lead generation data.
From Public Records. Certain information about you may be available from various public sources and public government records. LFS may obtain information about you with respect to the categories in Section I to this Policy, which may be available to the public through various public databases, online searches, or public record requests.

HOW DOES LIGHTHOUSE FINANCE SOLUTIONS USE YOUR PERSONAL INFORMATION:

LFS may use any collected PII and/or PFI from you, or about you, in the following ways and for the following purposes:

to respond to your inquiries from you and fulfill requests made by you.
to provide you with important information regarding the Sites, products or services for which you may apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative information.
to deliver marketing communications LFS believes may be of interest to you, including, personalized ads or offers tailored to you, including ads on other websites, or from affiliated or unaffiliated third parties.
to personalize your experience on the Sites.
to refer you to various complementary service providers that may offer you various additional services independently of our debt resolution services.
to allow you to apply for various products or services and evaluate your eligibility for such products or services.
to verify your identity and/or location to allow access to services you may enroll in, access the member portal, confirm forms, applications, agreements, or other documents submitted are authentic, and to maintain measures aimed at preventing fraud against LFS and you, as well as protecting the security of your Personal information.
to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions, and to administer these activities (if any). These activities may have additional rules of participation, which may also contain additional policies about how PII or PFI is collected, used, stored, and/or shared.
to allow us to verify your identity or other information collected from or through any of our social media pages or campaigns and other interaction with online forms generated on our behalf. We may combine and use PII and/or PFI you provide in this Site with the information collected from our social media pages or from your interaction with online forms generated on our behalf.
for legitimate business purposes, including data and marketing analysis, audits, developing and improving products and services, enhancing the Sites, identifying usage trends and determining the effectiveness of promotional campaigns.
for internal and external risk control, fraud detection, and prevention.
to comply with applicable laws and regulations, and other legal process (including in any lawsuit by you or on your behalf), and government and law enforcement requirements.
to allow you to utilize features within our Sites by granting us access to information from your device, such as contact lists or geolocation, when you request certain services.
to manage your Sites preferences.
to respond to your requests and process your transactions.
For any other purposes that LFS may specifically disclose at the time you provide or we collect your information.

LFS may also use data that LFS collects on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes. As an example, we may use information collected from cookies or pixels for various analytical purposes, or for market research. “Cookies” are small amounts of data a website can send to a visitor’s web browser. They are often stored on the device you are using to help track your areas of interest. Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience. Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services. In general, we may use or use these different types of cookies:

Strictly Necessary Cookies: These cookies are necessary to enable the basic features of the Sites.
Functional Cookies: These cookies allow our Sites to remember your site preferences and choices you make on the site. We also use functional cookies to facilitate navigation, to display content more effectively, and/or to personalize your experience.
Advertising Cookies: Advertising cookies allow us to select which advertisements or offers are most likely to appeal to you. We also use them to track responses to online advertisements and marketing, and we may use them to better understand your interests so we can present you with relevant messages and offers. These cookies may also allow you to share certain pages with social networks.
Analytics Cookies: Analytics cookies help us improve our Sites and Apps by collecting and reporting information on how you use it.
Compliance Cookies, pixels, or tools: These cookies are used to ensure compliance with various applicable laws and regulations. For instance, we may use certain tools for functionality like screen recording to capture user actions for TCPA compliance and acceptance certificates.

Furthermore, there are certain choices you can make to control certain cookies. Note that certain cookies, pixels, and tools cannot be disabled regardless of how you choose to proceed with your Cookie Choices. That said, there are several ways to manage cookies:

Browser settings: You can opt out of cookies on your browser. Every browser is different, please check the instructions provided by your browser. Note should you choose to opt out of cookies on your browser or disable cookies, such action may impact your use of the Sites.
Cookies Preferences: Through our “Cookie Preferences” tool. Currently you can only ACCEPT ALL COOKIES / ACCEPT ESSENTIAL COOKIES on the Sites. However, please note that currently essential cookies cannot be rejected, and only non-essential cookies will be rejected. Compliance tools and cookies, as well as functional cookies are always considered essential cookies. In addition, certain marketing and analytics cookies, pixels, or tools may be deemed essential and therefore cannot be removed.
Google Analytics: We collect data through Google Analytics which use cookies and technologies to collect and analyze data about the use of online services. These services also collect data regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/. You may choose to opt out from Google Analytics by downloading the Google Analytics opt out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

Bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information, you will need to opt out from each browser on each of the computers and devices that you use.

HOW YOUR INFORMATION MAY BE SHARED

We may share your PII and/or Sensitive Personal Information for commercial, marketing, and business purposes, all in compliance with this Privacy Policy.

Information Disclosed for Business Purposes. In the previous 12 months, LFS may have disclosed the information that may include the following categories of personal information for business purposes:

General Identifying Information
Demographic Information and Important Dates
Financial Information
Credit Information
Internet or Other Electronic Information
Geolocation information
Inferences drawn from the above information about your predicted characteristics
Information that may be considered Sensitive Personal information

Categories of Third Parties Who Receive Information for Business Purposes:

Payment Processors
Your Dedicated Account Provider
Affiliates
Your Creditors
Third Party Consumer Services Companies and Financial Institutions
Marketing and Research Companies
Regulatory Authorities or Law Enforcement
Technology/Computer Software Companies
Telecommunications Companies

Information Sold or Shared for Non-Business Purposes. In the previous 12 months, the following categories of Personal Information, PII, or Sensitive Personal Information may have been sold or disclosed to third parties for non-essential business purposes.

General Identifying Information
Demographic Information and Important Dates
Financial Information
Credit Information
Internet or Other Electronic Information
Geolocation information
Inferences drawn from the above information about your predicted characteristics
Information that may be considered Sensitive Personal Information

Categories of Third Parties to Whom Personal Information, PII, or Sensitive Personal Information that may have been sold:

Fulfillment Service and Product Providers
Affiliates
Non-affiliated financial services organizations
Targeted marketing providers
Third-Party Consumer and Financial Service Providers
Marketing and Research Companies

Sale of Personal Information and Targeted Marketing. LFS may engage in the “Sharing” or “Sale” of your personal information. LFS may also engage in “targeted advertising” in its use of your personal information. We do not knowingly collect, “sell” or “share” the personal information of individuals under the age of 18. If you are below the age of 18, you are prohibited from making use of our Sites and providing personal information on our Sites.

HOW DOES LIGHTHOUSE FINANCE SOLUTIONS STORE AND SECURE YOUR PERSONAL INFORMATION:

Data Security. LFS takes commercially reasonable precautions to protect your personal information and only provide access to the information on a need-to-know basis. To prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, LFS has employed commercially reasonable physical, electronic, and managerial measures to protect your data and LFS periodically reviews these policies and procedures in effort to prevent such acts. However, despite our best efforts, no security policy, procedures or practices can adequately protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception. While we follow generally accepted industry standards to protect the PFI and PII submitted to us (both during your submission and after we receive it), please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information and PII, we cannot guarantee its absolute security. In the event of a breach, we have policies for immediate measures to inform our management and legal team and take immediate action to minimize the impact of the breach. We are committed to ensure compliance with any rights you may have to know in the event of a breach of your information that is on our servers. You understand that we may utilize a third-party Customer Relationship Manager (CRM) provider and software. In such case, you understand that while we take all precautions and contractually require our CRM to meet certain industry standards and all applicable privacy laws, but we cannot control any CRM data breach which is controlled by the third-party.
Security. For our clients we have a dedicated member portal which provide our client access to their account, important documents, settlement offers and communications, and other account related materials. The member portal is a closed portal which require access credentials and passwords. You understand that maintaining your portal access information private is key to ensure that PII, PFI, and sensitive information remains secure at all times. In the event you lose your password, or forget your access credentials and need to change them, or believe that someone has obtained unauthorized access to your account, you should advise us as soon as possible, and take all measures to immediately change your credential or restrict access to others you believe have obtained unauthorized access. Please be advised that if you do not advise us of any unauthorized access, and take action to protect your password and access credentials, LFS will presume that all access is done by you, as the client of LFS.
Data Retention. LFS retains Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: (i) The length of time we have an ongoing relationship with you and as necessary to provide requested services to you; (ii) Whether there is a legal or regulatory obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); and (iii) Whether retention is advisable considering our legal position (such as, for statutes of limitations, litigation, or regulatory investigations). You acknowledge that due to these criteria, should you be in a state that has deletion rights, we may reject certain request to delete your data, if we are required by law or regulation to maintain the information, and deletion of such personal information will run foul with our compliance with said regulations.

YOUR DATA RIGHTS.

Depending on where you reside, if we provide services in your state, you may have certain rights regarding the personal information we collect and share. Residents of applicable states, including Alaska, Alabama, Arkansas, Arizona, California, Colorado, DC, Florida, Iowa, Idaho, Indiana, Massachusetts, Maryland, Michigan, Missouri, Mississippi, Montana, North Carolina, Nebraska, New Mexico, New York, Oklahoma, Pennsylvania, South Dakota and Texas may be provided the right to make the following request, depending on applicable law.

Request to Know. You may request to know whether we process your Personal information and to access such Personal information. You may request to receive the specific pieces or a copy of your Personal information, including, where applicable, a copy of the Personal information you provided to us in a portable format. Depending on where you reside, you may request that we disclose to you the following information:
1. The categories of Personal information we collected about you and the categories of sources from which we collected such Personal information;
2. The business or commercial purpose for collecting, selling, or sharing (if applicable) Personal information about you;
3. The categories of Personal information about you that we sold or “shared” and the categories of third parties to whom we sold or “shared” such Personal information (if applicable); and
4. The categories of Personal information about you that we otherwise disclosed and the categories of third parties with whom we disclosed such Personal information (if applicable).
Request to Delete. You may request that we delete your Personal information. You understand that certain information cannot be deleted and must be retained to comply with various states and federal regulations. In the event you request to delete your Personal Information, and that information is required to be maintained pursuant to regulatory or contractual requirements, LFS will have to maintain the information for the length of the period which it is required by law or contract, whichever period is longer.
Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a reasonable period after you have received notice of the refusal.
Request to Correct. You may request that we correct inaccuracies in your Personal information.
Request to Opt-Out of Sale, Targeted Advertising, Limit Disclosure of Sensitive Information and/or Sharing. You may request to opt-out of the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your Personal information for cross-context behavioral advertising purposes. You may also limit the Disclosure and Sharing of your Sensitive Information. As noted, before in this Privacy Policy, certain information is required to be shared to allow us to perform as required by your Subscription terms and to allow out fulfillment partners to provide you with services in your Subscription plan.
Submitting a Data Request. To submit a data rights request in accordance with the above, please visit our Data Rights Request page.

STATE SPECIFIC DISCLOSURES:

This section provides state specific disclosures which apply solely to consumers who reside in the specific states in which refenced below, and only if this is a state in which we provide services. You understand that we may not provide services in all referenced states. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.

Notice to Florida Consumers. Florida enacted a consumer privacy protection law titled “Florida Digital Bill of Rights”. Under the Florida Digital Bill of Rights, a Florida resident is, pursuant to the authenticated consumer request, to exercise the following rights:

To confirm whether LFS is processing consumer’s personal data (such as PII and PFI) and to access the personal data.
To correct inaccuracies in the consumer’s personal data, taking into account the nature of the personal data and the purposes of the processing of the consumer’s personal data.
To delete any or all personal data provided by or obtained about the consumer. The consumer understands and agrees that while the consumer has a right to get its personal data, LFS may be required to maintain certain personal data as part of its compliance obligations, and therefore may not be able to delete all of the personal data of the consumer if such data is required to be maintained by LFS for legal or regulatory compliance obligations.
To obtain a copy of the consumer’s personal data, in a portable, and, to the extent technically feasible, readily useable format if the data is available in a digital format.
To opt out of the processing of the consumer’s personal data for purposes of: (i) targeted advertising; (ii) the sale of personal data; or (iii) profiling in furtherance of a decision that produces a legal or similar significant effect concerning the consumer.
To opt out of the collection of sensitive data, including precise geolocation data, or the processing of sensitive data.
To opt out of the collection of personal data collected through the operation of voice recognition or facial recognition features. Consumer understands and agrees that LFS may record calls as part of its operations for purposes of better servicing clients, obtaining certain authorizations from the consumer, confirming receipt of services, and other legitimate business reasons. Such recordings may be maintained by LFS to comply with regulation and internal legal and business purposes.
Consumers can make the request that LFS comply with any of the above data privacy requests through the submission of LFS’s via email at privacy@lighthousefinancesolutions.com, and/or Data Request Form, which is located on our site. Any request made by phone, must be followed in writing. LFS shall have up to 45 days to respond to a request, and should the matter be complex, the consumer can inform the consumer that LFS requires up to an additional 15-day extension to the request. Consumer is entitled to response no later than 60 days from the date the validated request is made.
Consumers may appeal a decision by emailing LFS’s email at privacy@lighthousefinancesolutions.com. Consumers understand that LFS shall have 60 days after receipt of the appeal, including a written explanation of the reason or reasons for the decision.

Notice to California Residents: As a California resident, you have the following rights regarding your personal information:

Access. You have a right, twice in a 12-month period, to request that LFS disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under California law. For information how to request the correction of personal information, please see subsection titled Submitting a Data Request.
Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under California law. For information how to request the deletion of personal information, please see subsection titled Submitting a Data Request.
Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that LFS has with other financial service providers. The CCPA requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The CCPA defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the CCPA the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see subsection titled Submitting a Data Request.
Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see subsection titled Submitting a Data Request.
Appeal. You have the right to appeal LFS’s decision to refuse to act on a CCPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@lighthousefinancesolutions.com and to allow LFS to review your data subject request. Within 45 days, LFS will provide you with a written explanation of the justification for declining to act on your request.
Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). LFS may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that LFS may decline to process your request where: (i) LFS is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
Notice of Financial Incentives. LFS may offer rewards or prizes for participation in certain activities that may be considered a “financial incentive” under California law. These activities may involve the collection of personal information. The categories of personal information we collect is limited to what information you provide us, but may include: identifiers, protected class/demographic information, commercial information, online activities, geolocation information (general and precise), sensory information, employment information, and inferences. Activities we engage in that may be considered a financial incentive include surveys where we may provide compensation such as a gift card or bonus in exchange for your time and responses, or a prize through your participation in promotions and sweepstakes. Participation in these programs may be subject to separate terms and conditions. Your participation in these programs is voluntary and you can terminate at any time as explained in any applicable terms. If we offer gift cards in exchange for your participation in a survey or when we engage in promotions or sweepstakes, the amount provided is reasonably related to the value of the data you provide, which takes into account a number of factors, including, the anticipated benefit we receive such as product improvement, better understanding how you use our products, to enhance our understanding of consumer and market trends, increased consumer engagement, and the anticipated expenses we incur in relation to the collection, storage, and use of the information we receive. The value may vary across surveys, promotions, and sweepstakes.
Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.

Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:

Access. You have a right, twice in a 12-month period, to request that LFS disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under Colorado law. For information how to request the correction of personal information, please subsection titled Submitting a Data Request.
Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under Colorado law. For information how to request the deletion of personal information, please see subsection titled Submitting a Data Request.
Opt-Out of the Selling or Sharing of your Data or Joint Marketing. You have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that LFS has with other financial service providers. The Colorado law requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The Colorado law defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the Colorado law the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see subsection titled Submitting a Data Request.
Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see subsection titled Submitting a Data Request.
Appeal. You have the right to appeal LFS’s decision to refuse to act on a Colorado law data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to privacy@lighthousefinancesolutions.com and to allow LFS to review your data subject request. Within 45 days, LFS will provide you with a written explanation of the justification for declining to act on your request.
Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). LFS may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that LFS may decline to process your request where: (i) LFS is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.

Notice to Users Outside of the United States. This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States only. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where cloud or servers are located, and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. We do not sell, offer, or otherwise provide services to individuals outside of the United States, and you understand that non-U.S. residents are unable to receive services from Lighthouse Finance Solutions.

MISCELLANEOUS PROVISIONS.

Protecting Children’s Privacy Online (Children’s Online Privacy Protection Act (COPPA)) Disclosure. The Sites are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) or Personal Financial Information (“PFI”) through the Site. We do not knowingly collect information from children, teenagers, or minors under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any PII or PFI to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected PII and/or PFI from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided Lighthouse Finance Solutions with PII and/or PFI in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
Short Message Service. Note that this policy notice does not replace your opt in requirements. We may make available a service through which you can receive communications your wireless device via short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. By providing your contact information, you affirmatively represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you understand that such communication may be subject to certain applicable charges, and that you approve all such applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our SMS confirmation and all subsequent SMS correspondence. All charges for data rates are billed by, and payable to, your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. We will not be liable if SMS are received after hours due to such transmission delays. SMS message services are provided on an AS IS basis. We may also obtain the date, time, and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. We may provide your carrier with your applicable information in connection with your consent to receive SMS. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. We will not be liable for any data use or misuse by your wireless carrier. All SMS/RCS communications will comply with frequency limitations by applicable state laws.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.
SMS and Phone Call Opt-In. Note that this policy notice does not replace your express written consent and opt in requirements. By affixing you electronic signature to any subscription purchase order, in compliance with the E-SIGN act, you have agreed to give Lighthouse Finance Solutions and its representatives your express signed prior written consent to contact you via telephone calls, or mobile device messages, and chatbots (including marketing calls and messages through by autodialing, text and pre-recorded messaging, AI generative voice, SMS, and MMS), even if your telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. and data rates may apply, and you may opt out of text messages at any time by texting “HELP” for help, and “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, “OPT OUT”, “REVOKE” or “CANCEL” to opt out from any future communications. You also consent to the recording and monitoring of all calls to and from us. You understand that you can always withdraw your consent or unsubscribe at any time at unsubscribe@lighthousefinancesolutions.com. You are not required to consent in order to obtain goods or services or connect with any of the service providers and you may choose to call Lighthouse Finance Solutions’ representative instead at 1-844-326-3396.
Do Not Track Disclosures

How do we respond to Web browser “do not track” (also referred to as “DNT”) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

ANSWER: We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

English Language Govern this Privacy Notice. You acknowledge and agree that the text of this Privacy Notice, including all linked pages or other page Sites, have been written, and are offered, in both English and Spanish. Each version is authentic. In the event of any dispute regarding this Privacy Policy, however, the English version shall be given priority of interpretation and shall therefore be controlling. Additionally, all notifications shall be provided by one party hereunder to the other party in the English language. You may request a copy of this Privacy Notice in Spanish for your records.
Making Sure Information is Accurate. You understand and agree that Lighthouse Finance Solutions presumes that the PII or PFI you provided is, indeed, accurate. Lighthouse Finance Solutions will not be responsible for verifying that your Information. It is your responsibility to ensure the information provided is accurate and up to date. If you have previously submitted information which is incomplete, inaccurate or not current, please email or write us at the appropriate address, or complete a data request form, with updated information which you would like us to use in our communication with you.
Business Transitions. You understand and agree that if LFS goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal information, PII, PFI, and additionally collected information will likely be among the assets transferred.
Linking to Third-Party Websites. LFS may provide links to websites that are owned or operated by other companies (“third-party websites”). When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
Opt-Out Policy for Newsletter and/or Email Subscriptions. You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. Please be advised that all opt-out requests will be honored by the 10^th business day. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe@lighthousefinancesolutions.com, or by replying to an existing email with your request to be removed from the mailing list.
Changes to this Online Privacy Policy. We may change this Privacy Policy from time to time. When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date. Any changes to this Privacy Policy will become effective when posted unless indicated otherwise. We recommend you review this Privacy Policy each time you visit LFS’s website to review for such changes, as your continued use of the website constitutes your express acceptance of, and agreement to, the revised Privacy Policy.
Contact Us. If you have any questions or concerns related to this Privacy Policy, please contact us by email at: (i) for non-clients to info@LighthouseFinanceSolutions.com; or (ii) for clients to cs@LighthouseFinanceSolutions.com . You may also contact us by mail at 5769 W. Sunrise Blvd., Plantation FL 33313, or by phone at 1-844-326-3396.

YOU SHOULD PRINT AND SAVE VERSION OF THIS PRIVACY POLICY, WHICH WE ENCOURAGE YOU TO SAVE IN YOUR RECORDS, AND CEHCK FOR UPDATES FROM TIME TO TIME.