Privacy Policy

Your privacy is important to us at Elite Financial Consultants, LLC (“EFC”). Please read our Privacy Policy thoroughly and completely to understand how we collect, use, disclose, transfer, and store your information. When you visit EFC’s website or agree to content that includes a link to EFC’s website (“Ads”), you are agreeing to the practices described in this Privacy Policy. Your use of the EFC website, and any information you provide on the EFC website remains subject to the terms of this Privacy Policy.

1. Collection of Your Information This policy primarily addresses the collection of information you provide to us that can be used to uniquely identify, or contact you, such as your: name, email address, phone numbers, and tax identification number. You may be asked to provide information when you interact with EFC, our Ads, or any of EFC’s related companies. You may provide EFC with information, including: your name, mailing address, email address, phone number, payment information, and tax identification number. EFC and its related companies may share your information with each other and use such information consistently with this Privacy Policy. EFC may supplement the information you provide with information available from other sources, such as public databases, data aggregators, and other commercially available sources.

2. How We Use the Information We Collect The information we collect from you allows us: to deliver products, services and information to you; to contact you; and to manage your account. By providing EFC with information, you consent to EFC’s use, transfer, and storage of that information. EFC also may use your information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities. Any information in a form that does not allow for direct association with a specific person may be collected, used, monitored, analyzed, transferred, and disclosed for any purpose. Examples of this type of information include:

a. Anonymized Information – If we separate identifying information so that it is no longer associated with an individual, the separated information is treated as information that does not allow for direct association for the purposes of this Privacy Policy.

b. Click-Through URLs – In some email messages, we use a Click-Through URL to link to content on our website. When you click one of these URLs, you pass through a separate web server before reaching our site. We use Click-Through URLs to help us determine interest in a particular topic and to measure the effectiveness of our email communications.

c. Cookies and Other Technologies – We use a variety of technologies to collect and store information when you visit our website. This technology may involve sending web beacons and cookies or anonymous identifiers to your device. We use Cookies and Other Technologies to analyze your behavior when accessing our website and to deliver ads to you that relate to your interests.

d. Device Information – We may collect specific information for the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.

e. Log Information – When you visit our website, certain information is automatically collected and stored in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use the log information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality of the website.

3. Our Sharing of Information with Third Parties We do not share your information with businesses or individuals outside of EFC Credit Solutions, except under the following circumstances:

a. Consent – We will share your information with others outside of EFC when we have your consent to do so.

b. Service Providers – We provide information to related companies and other trusted businesses or persons who use, analyze, or process it on our behalf, based on our instructions, and in compliance with appropriate confidentiality and security measures. For example, we may use a third party to: Improve our products and services
Conduct consumer research and satisfaction surveys
Analyze and understand consumers
Prevent fraud and engage in other security measures
Provide customer support
Manage customer data and ensure data integrity
Perform accounting functions
Advertise and market
Legal Reasons – We will share information with third parties, outside of EFC if we have a good-faith belief that disclosure is necessary or appropriate to: Comply with a law, regulation, process or enforceable request
Protect our operations or customers
Detect, investigate, address fraud, security, or technical problems
nvestigate potential violations of, and enforce, our policies

a. Merger or Sale – In the event of a reorganization, merger, or sale we may transfer any and all information we collect to a relevant third party.

b. General Information – We may share information that does not allow for direct association with a specific person, publicly and with our strategic partners.

4. Third-Party Privacy Policies This Privacy Policy only addresses the use and disclosure of information we collect from you. This Policy does not apply to the practices of companies that EFC does not own or control or to people that EFC does not employ or manage. EFC does not control the privacy policies of third parties. You may be subject to the privacy policies of third parties where applicable. We encourage you to ask questions before you disclose your information to others. If you provided your information on the website of an entity not related to EFC, and that entity shared your information with us, the privacy policy of that website governs the non-related entity’s use of your information, which may be different from this policy.

5. Advertisements EFC may use third-party display advertising companies, including Google, to serve EFC’s ads on its behalf on sites across the Internet. EFC and its display advertisers use cookies to inform, optimize, and serve ads based on your past visits to EFC’s website. You may find additional information, opt-out of, or otherwise customize display advertising from Google or Double-Click by visiting Google’s Ad Preference Manager. You may find additional information and opt-out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page. EFC may use third-party analytics companies, including Google Analytics to analyze and understand user behavior when visiting our website. You may find additional information and opt-out of Google Analytics by visiting the Google Analytics opt-out browser add-on. You also may want to consider disabling cookies within your browser. Certain features of the EFC website will not function properly or be available once cookies are disabled.

6. Social Media Plug-ins Plug-ins for social networks, such as Facebook, Twitter, LinkedIn, Yahoo, Windows and Google plus, are integrated on EFC’s website. By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have on-going access to information from your social network profile. If you do not want the social network to collect your information, or to share it with EFC, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit EFC’s site.

7. Information Security EFC takes precautions to safeguard your information from loss, theft, and misuse, as well as unauthorized access, disclosure, and destruction. These precautions include technical, physical, and managerial procedures. Email and instant messaging are not recognized as secure communications, so we request that you not send private information to us by email or instant messaging services. We regularly review our compliance with our Privacy Policy, and enforce safeguards within the company.

We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of information that we cannot resolve with our customers directly. EFC uses Secure Sockets Layer (SSL) encryption on all pages where your information is collected. This protects the confidentiality of your information while it is transmitted over the Internet. For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, and avoid using the same or similar passwords across multiple sites.

8. Retention of, and Client Access to, Information EFC retains information for the time necessary and reasonable to fulfill the purposes outlined in the Privacy Policy, unless a longer retention period is required or permitted by law. We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort, risk the privacy of others, or would be extremely impractical. We work to protect data from any type of destruction. Accordingly, we may not immediately delete or change residual copies, and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access, and correction without charge. Clients may access their information by logging into their account. We make good-faith efforts to give you ways to update or to delete your information quickly, unless we need to keep that information for a legitimate business or legal purpose. Some changes require personal contact with an assigned EFC representative.

9. Children We do not knowingly collect information from children under 13. If we learn that we have collected the information of a child under 13, we will take steps to delete the information as soon as possible.

10. Pricacy Policy Changes and Questions EFC may update this Privacy Policy from time to time. Changes to this Privacy Policy will be posted on our website, with a corresponding revision date. Your continued use of the website thereafter constitutes acceptance of the changes made. Please check the website, and Ads, each time you use them for the most current information, and to ensure that you are aware of any updates.

If you have any questions or concerns about EFC’s Privacy Policy, please contact us at: