Privacy Policy

- Cookies are small blocks of data created by a web server while a user is browsing a website. This data is stored on your hard drive, containing non-personally identifiable information about you. This data functions as your computer’s identification and enables us to improve your experience by maintaining your authenticated session and preferences. We and our third-party vendors use “cookies” and similar tools to track your use of the Website when you use our services. Our systems automatically log information about your computer, tablet or phone.

- You may choose to set your web browser to notify you when you receive a cookie or refuse cookies altogether. If you do so, some parts of the Site may not function as intended. For more detailed information about how to disable or administer your cookie settings in your web browser, please refer to the applicable page for the browser you are using:

- We may collect certain non-personally identifiable information about you and your desktop computer, tablet or mobile device when you visit the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use, your IP address, the type of operating system that you use and the domain name of your Internet service provider. We use the non-personally identifiable information that we collect to improve the design and content of the Site and to enable us to personalize your experience. We may also use this information in the aggregate to analyze usage of the Site.

- Final, as well as third party entities such as Google®, use cookies, pixels and other tracking technology (collectively, “tracking technology”) in connection with the Site for purposes of tracking Users’ activities (such as websites visited, advertisements selected and pages viewed) after they leave the Site. Final, and its third-party partners, use this tracking technology to target applicable Users with advertisements featuring products/services we offer, as well as third-party products/services that may be of interest to applicable Users.

- Users can opt-out of certain Google®-related tracking technology, and customize the Google® Display Network ads that they receive, by visiting the Google® Ads Settings at: https://adssettings.google.com/. Google® also recommends installing the Google® Analytics Opt-out Browser Add-on for your web browser, which is available here: https://tools.google.com/dlpage/gaoptout. To the extent permissible under applicable law, we are not responsible for the tracking practices of third-parties in connection with the Site. Google® is a registered trademark of Google, Inc. (“Google”). Please be advised that Final is not in any way affiliated with Google, nor are the Site Offerings endorsed, administered or sponsored by Google.

Final shares your personal information with its own affiliates to consider you, or market to you, their products and services.

Final may provide your information to nonaffiliated third-party service providers who perform certain functions on our behalf. When we share your information with service providers, we require the security and confidentiality of your information as well as limiting their use of the information to reasonably carry out their work with us, including to comply with applicable state and federal laws.

Final may share your personal information with the following nonaffiliated third parties:

- Financial services companies for marketing purposes as permitted by law. As noted above, however, SMS opt-in data and consent will not be shared.

- Auditors, examiners, law enforcement

- Credit reporting agencies

We may share or sell lead data with licensed third-party partners who provide debt relief or related services. All data sharing complies with applicable privacy laws, and you may opt out at any time.

Residents of California may also, under Cal. Civ. Code § 1798.80(e), known as the “Shine The Light” law, request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request by filling out the CCPA Request Form.

 These Provisions are intended to be in compliance with the California Consumer Privacy Act of 2018 (“CCPA”). Any terms defined in the CCPA have the same meaning when used in these Provisions. This notice explains how/what personal information we collect, use and share of the personal information collected and the rights and choices for California Residents with respect to our handling of their personal information.

 This notice does not include personal information in relation to:

- Publicly available information from government records.

- De-identified or aggregated User information.

- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.

- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.