Política de privacidad y términos y condiciones

Effective Date: 11/10/2026

ClearPath Financial Network (“Company,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, and share information when you visit our website, contact us, or use our services.

1. Information We Collect

SMS opt-in and phone numbers collected for SMS communication purposes will not be shared with any third party and affiliates for marketing purposes.

We may collect the following types of personal information:

Personal Identifiers

Name
Phone number
Email address
Mailing address
Date of birth
Social security number

Financial & Account Information

General financial information you voluntarily provide
Information needed to review your loan request, such as the loan amount and purpose, income, employment and housing details
Credit report information obtained with your authorization through a soft credit inquiry

Communication Information

Phone calls (which may be recorded)
Text messages
Emails
Website contact form submissions

Technical & Usage Information

IP address
Browser type
Device information
Website usage data collected through cookies or analytics tools

2. How We Use Personal Information

We use personal information for the following purposes:

To respond to inquiries and requests for information
To check your eligibility for and offer you personal loans and home improvement loans
To provide customer service and support
To communicate regarding your loan inquiry and loan offers, appointments, document requests, account updates, and service-related notifications
To improve our website, services, and customer experience
To comply with legal, regulatory, and contractual obligations

We do not use text messaging for unsolicited marketing or cold outreach.

3. How We Share Personal Information

We may share personal information only in the following limited circumstances:

With trusted service providers that assist in operating our business (such as CRM platforms, phone systems, and document management providers), solely for business operations
With service providers that help us process, fund and service your loan, under agreements that limit how they may use your information
With consumer reporting agencies (credit bureaus), with your authorization, to obtain a soft credit inquiry. We may perform a hard credit inquiry only if you choose to formally apply
When required by law, regulation, subpoena, or legal process
To protect the rights, property, or safety of ClearPath Financial Network, our clients, or others

We do not sell, rent, or trade personal information.

4. SMS Consent & Text Messaging Policy

If you provide your phone number and consent to receive text messages from ClearPath Financial Network:

Text messages are sent only to people who have consented, such as by checking the SMS consent box on our website. Messages may include follow-ups about your loan inquiry or request for information, loan offers and options you asked about, scheduling a call, appointment confirmations, document requests, account updates, and customer support.
SMS consent is not shared with third parties or affiliates for marketing or promotional purposes.
You may opt out of SMS communications at any time by replying STOP.
Message and data rates may apply.

5. Cookies & Tracking Technologies

We may use cookies or similar tracking technologies to enhance website functionality and analyze usage patterns. You may disable cookies through your browser settings; however, doing so may affect certain site features.

6. Data Security

We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or misuse.

7. Your Rights & Choices

You may:

Request access to or correction of your personal information
Withdraw consent for communications
Request deletion of your information, subject to legal and regulatory requirements

Requests may be submitted using the contact information below.

8. Updates to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page with an updated effective date.

9. Contact Information

If you have questions about this Privacy Policy or our data practices, please contact us at:

ClearPath Financial Network
Website: https://www.clearpathfinancialnetwork.com
Email: info@clearpathfinancialnetwork.com
Phone: 929-399-0243

Terms and Conditions

Effective Date: 11/10/2026

1. SMS Consent Communication:
The information (Phone Numbers) obtained as part of the SMS consent process will not be shared with third parties for marketing purposes.

2. Types of SMS Communications:
If you have consented to receive text messages from ClearPath Financial Network, you may receive messages related to the following:

Follow-ups about your loan inquiry or request for information, including loan offers and options you asked about, and scheduling a call (marketing); and conversations about your account, appointments and documents

Examples: "Hi Maria, this is Michael Luft with ClearPath Financial Network. We received your application and wanted to reach out. When is the best time for us to call you? Reply STOP to opt out." and "Hello, this is a friendly reminder of your upcoming appointment with John at 1:00 PM ET on January 7th. Reply STOP to opt out of SMS messaging at any time."

3. Message Frequency:
Message frequency may vary depending on the type of communication. For example, you may receive up to four SMS messages per week related to your account.

4. Potential Fees for SMS Messaging:
Please note that standard message and data rates may apply, depending on your carrier’s pricing plan. These fees may vary if the message is sent domestically or internationally.

5. Opt-In Method:
You may opt-in to receive SMS messages from ClearPath Financial Network in the following ways:

By checking a box through our website at www.clearpathfinancialnetwork.com.

6. Opt-Out Method:
You can opt out of receiving SMS messages at any time. To do so, simply reply "STOP" to any SMS message you receive. Alternatively, you can contact us directly to request removal from our messaging list.

7. Help:
If you are experiencing any issues, you can reply with the keyword HELP. Or, you can get help directly from us at 929-399-0243.
Additional Options:

If you do not wish to receive SMS messages, you can choose not to check the SMS consent box on our forms.

8. Standard Messaging Disclosures:

Message and data rates may apply.
You can opt out at any time by texting "STOP."
For assistance, text "HELP" or visit our Privacy Policy & Terms and Conditions pages.
Message frequency may vary

Carriers are not liable for delayed or undelivered messages.

You must be at least 18 years old to opt in and receive SMS messages from ClearPath Financial Network.