Privacy Policy

1. Company Information & Contact Details

2. Our Business Model (Clear Disclosure)

BetterFinanceHelp is a digital media, comparison, and performance marketing platform. We publish informational content and may connect consumers with third-party providers and partners offering products and services that may include (depending on the site): credit cards, personal loans, debt relief, credit repair, insurance products, banking products, credit monitoring, auto-related offers, home-related offers, and other consumer services.

We are not a lender, loan broker, debt settlement provider (unless explicitly stated), credit bureau, insurance carrier, or financial institution. Third-party providers determine eligibility, approval, and terms. We do not guarantee that you will qualify for any offer.

Revenue & Monetization: We may earn revenue through advertising, affiliate commissions, lead generation, co-registration, sponsorships, and other performance-based arrangements. These monetization methods may involve sharing certain information with partners as described in this Policy.

3. Definitions

• "Personal Information" / "Personal Data": Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with a particular consumer or household.
• "Sensitive Personal Information" (where applicable): Certain data categories treated as sensitive by law (e.g., precise geolocation, certain government identifiers, health data, etc.).
• "Processing": Any operation performed on information, such as collecting, using, storing, sharing, analyzing, deleting, or disclosing.
• "Partner": A third-party company we work with (e.g., advertisers, lead buyers, lenders, insurers, marketing platforms, analytics vendors).
• "Service Provider" / "Processor": A vendor that processes information on our behalf for business purposes under contractual restrictions.
• "Third Party": An entity that is not the Operator or our Service Provider (e.g., independent partner/advertiser).
• "Targeted Advertising" / "Interest-Based Advertising": Advertising selected based on your activities over time and across nonaffiliated websites or apps.

4. Information We Collect

We collect information in the categories below. Not all categories apply to every consumer or interaction.

4.1 Information You Provide Directly

Depending on the form or flow you use, you may provide:

• Name, email address, phone number
• Residential address, ZIP code
• Date of birth
• Employment status, household income ranges
• Business ownership and approximate business revenue ranges
• Housing status, vehicle ownership and vehicle details
• Veteran/military status when relevant
• Other questionnaire responses that help match you to offers

Government IDs: We generally do NOT request your SSN or ITIN number through the Services. We may ask whether you have an SSN/ITIN (yes/no) as a matching signal, but we do not request the actual number unless clearly stated at the point of collection.

Financial/credit indicators: We may ask for high-level, non-bureau indicators (e.g., estimated credit score range or "good/fair/poor"). We are not a credit bureau and typically do not pull consumer reports unless you transact directly with a third party.

4.2 Information Collected Automatically

When you use the Services, we automatically collect certain information such as:

• IP address, device identifiers
• Browser type/version, operating system, language
• Approximate location derived from IP
• Pages viewed, clicks, scrolls, time on page, referral URLs
• Diagnostic logs

4.3 Cookies, Pixels, SDKs, and Similar Technologies

We and our partners use cookies, pixels (web beacons), tags, SDKs, local storage, and similar technologies to:

• Provide core site functionality
• Remember preferences
• Measure and analyze performance
• Attribute traffic and conversions
• Prevent fraud and abuse
• Deliver and measure advertising, including interest-based ads
• Support compliance recordkeeping

Cookie categories may include: Strictly Necessary, Functional/Preferences, Analytics/Performance, and Advertising/Targeting. The availability of a cookie banner or preference center may depend on your location and applicable law.

4.4 Consent, Proof, and Compliance Metadata

To document consent and comply with TCPA/partner requirements, we may collect and store consent-related metadata such as:

• The exact consent language shown
• Timestamp, IP address, page URL, form version
• Campaign parameters (UTM) and event logs

We may also use third-party compliance tools to capture and store certificates of consent.

4.5 Communications Data

If you contact us or we contact you, we may collect and store communication records, including emails, chat transcripts, call logs, SMS logs, and—where permitted by law—call recordings and related metadata, for quality assurance, training, compliance, and dispute resolution.

4.6 Information from Partners & Third Parties

We may receive information from partners such as advertising networks, analytics providers, lead buyers, co-registration partners, and marketing platforms. This may include campaign/source data, conversion events, suppression lists, fraud signals, and match/decision outcomes.

4.7 Publicly Available Information

We may use limited publicly available information (where lawful) to help prevent fraud, enforce our policies, or enrich analytics—always subject to the purposes and limitations described in this Policy.

4.8 Information We Do Not Intend to Collect

Unless specifically requested for a particular offer and clearly disclosed at the time of collection, we do not intend to collect:

• Precise geolocation
• Biometric data
• Protected health information
• Full government ID numbers
• Information about children

5. How We Use Information (Detailed Purposes)

We use information for the purposes below. One interaction may involve multiple purposes.

Operate, maintain, and secure the Services

• Provide requested pages, forms, and features
• Authenticate and manage sessions
• Debug, fix errors, and maintain service quality
• Prevent abuse (bots, invalid traffic, scraping) and protect site integrity
• Monitor for malicious or prohibited activity

Match you to offers and deliver requested services

• Evaluate questionnaire responses to determine relevant offers
• Route your inquiry to appropriate partners or internal teams
• Provide comparison content and educational resources
• Facilitate lead delivery and confirm receipt/processing

Advertising, measurement, and attribution (including Google)

• Serve and measure contextual and interest-based advertising
• Attribute conversions to traffic sources
• Measure ad viewability and performance
• Limit ad frequency and reduce repetitive ads
• Detect invalid traffic and protect advertisers/publishers

Marketing communications & relationship management

• Send newsletters, product updates, and promotional messages
• Personalize communications based on your interactions and preferences
• Maintain suppression lists and honor opt-outs
• Run limited-time offers and relevant alerts

Co-registration, cross-offers, and partner marketing

• Present partner offers during or after form submission
• Share limited information with selected partners when you indicate interest or consent
• Use co-registration flows to expand relevant options without requiring repeat data entry

Analytics, product improvement, and modeling

• Understand user behavior and improve UX
• Test and optimize landing pages, forms, and messaging
• Build performance reports and forecasting
• Develop internal models to improve matching, fraud detection, and quality

Fraud prevention, compliance, and legal obligations

• Verify consent and maintain evidence (TCPA/partner audits)
• Detect suspicious patterns, invalid traffic, or misrepresentation
• Comply with subpoenas, court orders, and regulatory requests
• Enforce our Terms and policies
• Protect rights, safety, and property of the Operator, partners, and consumers

Corporate transactions

Support due diligence and business transfers (merger, acquisition, financing), subject to confidentiality safeguards.

5.1 Legal Bases (Where Applicable)

Some state laws require disclosures about the basis for processing. Depending on context, we process information: (a) to perform services you request; (b) for our legitimate business purposes (e.g., security, analytics, fraud prevention); (c) with your consent (e.g., certain marketing communications); and/or (d) to comply with legal obligations.

6. How We Disclose / Share Information

6.1 Service Providers (Processors)

We share information with vendors that provide services on our behalf (e.g., hosting, analytics, email/SMS delivery, CRM, fraud detection, compliance logging). They are contractually restricted to use the information only to provide services to us and to protect it.

6.2 Partners / Lead Buyers / Advertisers

If you request information, submit a form, or express interest in third-party products, we may share relevant information with partners (such as lenders, insurers, debt relief providers, and other advertisers) so they can contact you, evaluate eligibility, or provide offers. Partners' handling of your information is governed by their own privacy policies.

Lead Delivery Details: Depending on the offer and flow, data shared may include contact details, questionnaire responses, source/attribution data, and consent evidence. We may also receive partner feedback such as lead disposition, approval/denial, and conversion events for reporting and quality control.

6.3 Neoage Group of Companies (Intra-Group Sharing)

We may share information with Neoage Group of Companies to support: analytics and reporting; customer support; compliance; fraud prevention; business operations; and marketing of related services, consistent with this Policy and applicable law.

6.4 Legal, Safety, and Rights Protection

We may disclose information if we believe disclosure is required by law or necessary to: comply with legal process; respond to lawful requests; enforce our agreements; protect our rights and property; protect consumers or others from harm; or investigate and prevent fraud or security issues.

6.5 Business Transfers

If we are involved in a merger, acquisition, financing, reorganization, or sale of assets, information may be disclosed as part of that transaction, subject to confidentiality and security safeguards.

7. Advertising, Cookies, and Google Disclosures

We participate in online advertising and may allow third parties, including Google, to serve ads and measure performance on the Services. These third parties may use cookies and similar technologies to collect information about your visits and interactions.

Google AdSense / Ad Manager (AdX): Google may use cookies to serve ads based on a user's prior visits to this website or other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visit to the Services and/or other sites on the Internet.

Ad Personalization & Controls: You can opt out of personalized advertising by visiting Google's Ads Settings and learn more about industry opt-out tools at aboutads.info. Where required, we honor applicable signals (e.g., Global Privacy Control).

7.1 Cookie Controls / Preference Center

Depending on your location and applicable law, we may provide a cookie banner or preference center to manage non-essential cookies. You may also control cookies through your browser settings. Note: disabling certain cookies may affect functionality.

7.2 Do Not Track / Global Privacy Control

Some browsers transmit "Do Not Track" signals. There is no uniform standard for interpreting them. Where legally required (e.g., under certain state laws), we may treat the Global Privacy Control (GPC) signal as a valid request to opt out of certain data sharing for targeted advertising.

8. Communications, TCPA, and Consent

8.1 Email Communications (CAN-SPAM)

If you sign up for email communications, we may send you promotional and transactional emails. Every marketing email includes an unsubscribe mechanism. We process opt-out requests promptly as required by law.

8.2 SMS / Phone Communications (TCPA)

If you provide a phone number and consent where required, you authorize us, Neoage Group of Companies, and our partners to contact you at that number via calls and/or text messages (including using automated technology, prerecorded/artificial voice where permitted) for marketing, informational, or transactional purposes described at the point of collection.

Opt-Out: You can opt out of SMS by replying STOP (or as otherwise instructed). For calls, you can request to be placed on our internal do-not-call list. You may also use the unsubscribe or preference mechanisms provided. Opting out does not affect purely transactional messages where permitted by law.

Consent is not a condition of purchase. Message and data rates may apply. Message frequency varies. If you change or deactivate your number, you agree to notify us so we can update our records.

8.3 Consent Recordkeeping

We maintain consent records and related logs (e.g., time, IP, consent language, source) to demonstrate compliance with TCPA and partner requirements and to respond to legal inquiries.

9. U.S. State Privacy Rights (CCPA/CPRA & Other States)

Depending on your state of residence, you may have rights regarding your personal information. We provide these rights without unlawful discrimination.

For detailed information about California privacy rights, please see our California Privacy Notice (CCPA/CPRA).

Categories Collected (Examples)

• Identifiers: Name, email, phone number, IP address, online identifiers
• Commercial information: Records of products/services you considered or engaged with
• Internet/Network activity: Browsing history on our Services, interactions, page views, clicks
• Geolocation data: Approximate location derived from IP
• Professional/Employment info: Employment status, business ownership
• Inferences: Inferences drawn to match you with offers

Your Rights May Include

• Right to Know / Access (request categories and specific pieces of personal information)
• Right to Delete (subject to legal exceptions)
• Right to Correct inaccurate personal information
• Right to Opt Out of Sale/Sharing (where applicable)
• Right to Limit use/disclosure of Sensitive Personal Information
• Right to Non-Discrimination for exercising rights

Submitting Requests

To submit a request, contact us at compliance@clearcreditpath.com with the subject line "Privacy Request" and specify the right you wish to exercise. We will verify your request by matching information you provide with our records.

Appeals: Where required by law, you may appeal a denial of your request by replying to our response email with the word "Appeal" and your request details.

10. U.S. Federal Law & Regulatory Compliance

• FTC Act: We do not engage in deceptive or unfair practices. We aim to clearly disclose our business model, advertising relationships, and how data is used.
• CAN-SPAM: We provide required disclosures and opt-out mechanisms in marketing emails.
• TCPA: We maintain consent records, honor opt-outs, and implement suppression lists. See our TCPA Compliance Policy for details.
• GLBA / HIPAA: Generally, we are a marketing and media platform and not a bank, lender, or healthcare provider. When we work with partners that are subject to GLBA or HIPAA, their policies apply to them; we handle information consistent with this Policy.

11. Data Retention & Deletion

We retain information for as long as reasonably necessary to: provide the Services; maintain business records; comply with legal and contractual requirements; prevent fraud; resolve disputes; enforce agreements; and maintain consent evidence.

Retention periods vary by data type. Examples: (a) consent/ communication logs may be retained longer to defend against TCPA claims; (b) analytics data may be retained in aggregate; (c) suppression lists may be retained to honor opt-outs. We may de-identify or aggregate information and retain it longer.

12. Information Security

We implement administrative, technical, and physical safeguards designed to protect personal information (e.g., access controls, least-privilege permissions, encryption in transit where feasible, monitoring, vendor security reviews). No method of transmission or storage is 100% secure; therefore, we cannot guarantee absolute security.

Breach Notice: Where required by law, we will notify affected individuals and regulators of certain security incidents involving personal information.

13. Your Choices & Controls

• Email opt-out: use the unsubscribe link in emails
• SMS opt-out: reply STOP (or follow instructions in the message)
• Cookie controls: manage via browser settings and any on-site preference center
• Ad controls: use Google Ads Settings and industry opt-out tools
• State privacy requests: email compliance@clearcreditpath.com

14. Children's Privacy

The Services are not intended for children under 18 and are not directed to children under 13. We do not knowingly collect personal information from children. If you believe a child has provided us personal information, contact compliance@clearcreditpath.com and we will take appropriate steps to delete it.

15. International Users & Data Transfers

The Services are controlled and operated in the United States. If you access the Services from outside the U.S., you understand that information may be transferred to, stored, and processed in the United States and other jurisdictions that may have different data protection laws.

16. Third-Party Links & Partner Policies

The Services may contain links to third-party websites or redirects to partners. We are not responsible for the privacy practices of third parties. We encourage you to review their privacy policies before providing information.

17. Changes to This Policy

We may update this Policy from time to time. We will post the updated version on the Services and update the "Last Updated" date. Your continued use of the Services after changes becomes effective constitutes acceptance of the revised Policy.

18. Contact Us