Updated: Jun 10, 2024

At Why Consolidate Today (“WCT”), we are committed to maintaining the accuracy, confidentiality, and security of your personal information. This Privacy Policy describes the personal information that WCT collects from or about you, how we use it, and to whom we may disclose that information.

Privacy Policy Effective for USA

It is WCT’s policy to comply with the privacy legislation within each jurisdiction in which we operate. Sometimes privacy laws and/or an individual’s right to privacy differ between jurisdictions. This Privacy Policy covers only activities subject to the provisions of the United States of America, as applicable.

This Privacy Policy has a limited scope and application. Consequently, the rights and obligations herein may not apply to all individuals or in all jurisdictions. If you are unsure whether this Privacy Policy applies to you, please contact our Privacy Officer for more information.

What is Personal Information?

For this Privacy Policy, personal information is any information about an identifiable individual, excluding business titles or business contact information used for professional communications.

What Personal Information Do We Collect?

We may collect and maintain different types of personal information, including:

• Contact and identification details (e.g., name, address, phone number, email).

• Financial and credit information (e.g., employment history, income, credit history, debts).

• Service-related information (e.g., details about debt consolidation, loan, or financial products you seek through us).

• Business relationship data (e.g., agreements, preferences, feedback).

We may also collect information to:

• Recommend suitable credit cards, loans, or debt solutions based on your financial profile.

• Analyze market trends to improve our services.

• Comply with legal or regulatory requirements.

Occasionally, we may receive personal information from third-party service providers (e.g., credit bureaus, lenders). We ensure these parties are authorized to share your data with us.

Privacy and Our Website

You can visit WCT’s website without revealing personal information. However, our server may log:

• Your IP address, browser type, and pages visited.

• The website you came from and your country of origin.

We use this data to:

• Monitor website performance (e.g., visits, time spent).

• Improve user experience and service offerings.

If you submit inquiries via our “Contact Us” form or email, we collect the information you provide (e.g., name, email). We may use your email to send promotional offers, but you can unsubscribe anytime.

Cookies and Tracking

We use cookies (small data files) to:

• Track website visits and preferences.

• Customize your experience (e.g., saved login details).

You can block cookies in your browser settings, but this may limit website functionality.

Third-Party Websites

Our site may link to external websites with different privacy practices. WCT is not responsible for their policies. Review their privacy policies before sharing personal information.

Why Do We Collect Personal Information?

We use your data to:

• Provide debt consolidation, loan, or financial product referrals.

• Verify your eligibility for services (e.g., credit checks).

• Improve our services and tailor offers to your needs.

• Comply with legal obligations (e.g., fraud prevention).

• Send marketing communications (with your consent).

We may also create aggregated, anonymized data for analytics (e.g., client demographics).

How Do We Disclose Your Information?

We may share your information with:

• Lenders, financial institutions, or service providers to facilitate your requested services.

• Third-party vendors (e.g., IT, marketing, call centers) operating in the U.S., Canada, Europe, or Asia.

• Legal or regulatory authorities if required by law.

Your data may also be transferred if WCT undergoes a merger, acquisition, or asset sale.

Your Consent & Choices

• Consent: We assume consent when you provide information (e.g., submitting a form).

• Opt-Out: You may withdraw consent anytime by contacting our Privacy Officer. Note: This may limit our ability to serve you.

• Marketing: Unsubscribe from emails via the link in each message.

Protecting Your Information

WCT uses physical, technical, and administrative safeguards to protect your data from unauthorized access or disclosure. Report any security concerns to our Privacy Officer immediately.

Access & Corrections

You may request to:

• Review, correct, or update your personal information.

• Delete data (subject to legal exceptions).

Submit written requests to our Customer Care team or Privacy Officer. We may verify your identity before processing and may charge a fee for excessive requests.

Notice to California Residents

Under the CCPA, California residents have the right to:

1. Access their personal information (past 12 months).

2. Request deletion of their data.

3. Opt out of “sales” of personal information (if applicable).

4. Avoid discrimination for exercising these rights.

Submit CCPA requests:

• Email: info@whyconsolidatetoday.com

• Mail:
  Why Consolidate Today (WCT)
  info@whyconsolidatetoday.com
  Attn: Privacy Officer

Authorized agents must provide written proof of authority.

Inquiries & Complaints

For questions or concerns, contact:

• Privacy Officer:

  Email: info@whyconsolidatetoday.com
  Phone: +1 (888) 533-6850
  
  Mail:
  Why Consolidate Today
  408 Via Mediterranea, Dorado, PR 00646
  Attn: Legal Department

If unsatisfied, you may file a complaint with your local Privacy Commissioner.

Policy Updates

WCT may revise this Privacy Policy periodically. The latest version will be posted on our website (https://whyconsolidatetoday.com/).