PRIVACY POLICY

Updated on 10/15/2023

Consumer Action Assist or consumeractionassist.com, hereinafter referred to as, ("Consumer Action Assist", "website" "us", "our", or "we"), has created this Privacy Policy in order to disclose our information gathering and dissemination practices. We understand the importance that Internet users place on privacy and have designed our service with this in mind.

You agree to this Privacy Policy, in its entirety, when you access or use Consumer Action Assist ("Website"), or select and register for offer(s) on the Website by clicking the offer(s) presented.

If you do not agree with the terms of our Privacy Policy, please do not use or access the Website.

Information We Collect:

In order to provide you with and match you with the right offer, we may collect and/or monitor the following: information knowingly provided by you through online forms, registration forms, surveys, and/or other entry forms, such as sensitive personal data, email addresses, personal, financial or demographic information, basic health information; anonymous web user information, such as Web Page http headers, IP addresses, Internet Service Provider (ISP), date/time stamp, number of clicks and user information, specific or aggregate, regarding what pages our visitors access. Web user information collected on this site is monitored in order to analyze trends, administer the website, monitor user behavior in the aggregate and gather broad demographic information for aggregate use.

Cookies:

This website uses a 'cookie' to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer's hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to re-enter information each time you visit this website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.

How We Use Your Information:

Any personal information you provide on this website remains your personal property. By submitting your information on this website or while using this website's services, you consent and agree to the following: The transfer of your personal information and any other data we gather about you from third-party service providers in the process of evaluating you for Legal Liaison Services, mortgage offers, refinancing, or other offers, hereinafter referred to as ("Legal Liaison Services"), to companies including but not limited to our partners, stakeholders, and/or affiliates (including those listed in our Partner List). The use of your personal, demographic, and profile data to enhance your experience at Consumer Action Assist and allow us to refine this website through statistical and market analysis. The addition of your information to our consumer database, which may be used to contact you via email, telephone, postal mail, or SMS/MMS (messaging rates may apply) concerning new product and service offerings from Consumer Action Assist and/or its affiliates or about the status of your information submitted online. By providing your personal information to this website for the purpose of inquiring about Legal Liaison Services, you permit us to share your details with drivetime, potential lenders, and partners. Furthermore, by agreeing to this Privacy Policy, you grant Consumer Action Assist permission to sell your data to trusted partners and lead providers.

"Offers", as mentioned in these terms, encompass a broad spectrum of opportunities and products provided or represented by Consumer Action Assist's partners. This includes but is not limited to Legal, Financial, Health Insurance, Life Insurance, Auto Insurance, Real Estate, Survey, Sweepstakes, and other similar products and services. While we endeavor to maintain user privacy, there are occasions when we might need to disclose personal information: When required by law, especially when we firmly believe that such action is necessary to comply with a judicial proceeding, court order, or subpoena.

If Consumer Action Assist is sold or acquired.

If we suspect that the Website is being, or has been, used in breach of our terms and conditions or to commit illegal acts. Moreover, with your consent, certain records or communications may be disclosed to a third party when Consumer Action Assist, at its discretion, determines such disclosure is appropriate. This includes sharing your email address with other third parties in compliance with the Telecommunications Privacy Act ("TCPA"), as occasionally amended.

Disclosure of Information to Third-Parties:

We respectfully take great care of your information. If you choose to provide information on this website, it will be shared with trusted consumer credit lenders for the purpose of evaluating you for Legal Liaison Services; your information may also be shared with our partners or third parties for the purpose of marketing special products and services from Consumer Action Assist and/or its third-party affiliates/partners that match your interest.

We may share our user information and/or join together with other businesses to bring selected and exclusive opportunities to our users. We are able to offer third-party services to you, in part, based on your willingness to be reached by our third-party advertisers.

In addition, you agree that such act constitutes a purchase, inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R. Part 310, et seq. (the "ATSR"). Notwithstanding that your telephone number may be listed on the Federal Trade Commission's Do-Not-Call List, Consumer Action Assist retains the right to contact you via telemarketing in accordance with the ATSR. Moreover, by registering with, or requesting information from, a third-party advertiser at or through the Website, such action shall constitute a purchase, an inquiry and/or an application with the respective third-party advertiser for purposes of the ATSR and you may be contacted via email, direct mail and/or telemarketing in accordance with the ATSR.

Consumer Action Assist is not responsible for any content, terms and conditions, or the privacy policies of any third-party advertisers' websites. The entities that advertise and/or place banner ads at the Website, including but not limited to, third party advertisers, are independent third-parties and are not affiliated with Consumer Action Assist.

Your Choices About The Use Of Your Information and Opting Out:

By submitting an application to this site, you certify that you are at least 18 years old and agree to both the Terms of Use and Privacy Policies that govern this site. You can choose not to provide us with certain personal information, however doing so may result in limited access to certain features and services provided on this site and ultimately affect your ability to obtain information and offers for Legal Liaison Services.

If you would like to delete the personal information that we have collected from you, please send an email request to [email protected]. We will process your request, where possible and subject to the Terms and Conditions contained in this Privacy Policy, within a reasonable amount of time. Federal and State regulations and/or the need to administer our relationships with our ad networks and third party partners may require that we store certain information for various periods of time. In order to comply with these requirements, your information may be stored until the expiration of the applicable period. We will use reasonable commercial efforts to delete your personal information no later than three (3) months after receiving your request, unless a longer retention period is required by law. Any request to remove personal information will apply to information held by Consumer Action Assist, and not information already shared with third parties. The treatment of such information is governed by those parties' Privacy Policies, not by this Privacy Policy.

When you submit your information on Consumer Action Assist, you may receive email messaging or third party marketing messages. You will be given the opportunity, in any commercial email that we send to you, to opt out of receiving such messages in the future. You may also opt out of receiving commercial emails by using the 'Unsubscribe' link on our site. It may take up to 10 business days to process your request. If you remove your information from our database it will no longer be used for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you. If your information has already been shared with a third party, it may be necessary to contact the third party directly to opt out of receiving information from them.

We may use the personal information you've provided on this site to administer the services you've requested, including wireless services that display customized content and advertising. In addition to any fee of which you are notified of, your wireless provider's standard message rates apply to our confirmation and all subsequent SMS correspondence. You may opt out from further SMS messages and remove your SMS information from our database by responding 'STOP', 'END' or 'QUIT' to the SMS text message you received. If you remove your SMS information from our database it will no longer be used by us for secondary purposes, disclosed to third-parties, or used by us or third-parties to send promotional correspondence to you.

Changes to the Privacy Policy:

Consumer Action Assist reserves the right to change or update this Privacy Policy at any time by posting a notice at the Website that we are changing our Privacy Policy. If the manner in which we use information changes, we will notify users by posting the changes on this Website. Any and all changes to our Privacy Policy are effective immediately upon posting. The user's continued use of the Website and/or continued receipt of Consumer Action Assist emails constitutes an affirmative acknowledgement and acceptance by the user to the terms of the modified Privacy Policy.

Minors:

Visitors under 18 years of age are not permitted to use and/or submit their personal information at the Website. Consumer Action Assist does not knowingly solicit or collect information from individuals under the age of 18. We encourage parents and guardians to spend time online with their children and to participate and monitor the interactive activities of their children.

Security:

All collected information is stored in a technically and physically secured environment. Furthermore, access to this information is strictly limited, and the information is not accessible to the public. Our employees are dedicated to ensuring the security and privacy of all Consumer Action Assist user information. To prevent unauthorized access, maintain data accuracy and ensure the correct use of information, we use appropriate industry standard procedures to safeguard the confidentiality of your personal information, such as firewall, encryption, token authentication, application proxies, monitoring technology, and adaptive analysis of network traffic to monitor abuse of our network and its data.

In addition, Consumer Action Assist has security measures in place to protect the loss, misuse and alteration of personal information under our control.

Please be advised that, although we take every reasonable technological precaution available to protect your data, no data transmission over the internet can be guaranteed to be 100% secure.

If you have any dispute concerning any aspect of these Terms of Website Use, the Website, or any of our services, you agree to submit your dispute for resolution by arbitration before the American Arbitration Association ("AAA") in the county where you live by filing a Demand for Arbitration. The arbitrator will have exclusive authority to resolve any dispute including any claim that all or any part of these Terms of Website Use are unenforceable. Opt-Out of Arbitration/Class Action Waiver. The Terms & Conditions do not constitute a waiver of any of your rights and remedies to pursue a claim individually and not as a class action in binding arbitration as provided above. This provision preventing you from bringing, joining or participating in class action lawsuits is an independent agreement. You may opt-out of these Dispute Resolution Provisions by providing written notice of your decision within thirty (30) days of the date that you first register on the consumeractionassist Website. YOU ACKNOWLEDGE AND AGREE THAT, VIA YOUR ACCEPTANCE OF THESE DISPUTE RESOLUTION PROVISIONS, YOU WAIVE ANY RIGHT TO A JURY TRIAL, AS WELL AS YOUR RIGHT TO BRING, JOIN OR PARTICIPATE AS A PLAINTIFF OR A CLASS MEMBER IN A CLASS ACTION SUIT OR MULTI-PARTY ARBITRATION BROUGHT AGAINST US, ANY PERSON RELATED TO US OR A SERVICE PROVIDER USED BY US TO PROVIDE THE SERVICE.

If you have any questions or comments regarding this notice, please write to us with your specific instructions at:
Attention: Consumer Services (Consumer Action Assist), 5442 S. 900 E, Ste. #156, Murray, UT 84117,
or email [email protected].