Privacy Notice

At Pathway Financial, we are committed to protecting your privacy and handling your personal information responsibly. This Privacy Notice explains how we collect, use, disclose, store, and protect personal information when you interact with our website, our team, or the financial services we provide.

By using our website or contacting us about our services, you acknowledge that your personal information may be processed as described in this Privacy Notice.

This Privacy Notice applies when you provide personal information to us, including when you contact us to request information about our services, even if you ultimately decide not to proceed with any service.

The purpose of this notice is to help you understand:

• What personal information we collect
• Why we collect it
• How we use it
• Who we may share it with
• How long we retain it
• The rights available to you regarding your information

This Privacy Notice is intended primarily for residents of the United States.

Information We Collect

We may collect various types of personal information when you use our website, contact us, request information, or engage with our services.

This may include:

Personal Information

Information such as your name, email address, phone number, mailing address, date of birth, employment information, and other identifying information that you voluntarily provide to us.

Financial Information

Information related to your financial situation, such as income, expenses, debts, creditor balances, assets, liabilities, payment history, and other information necessary to review your financial circumstances and determine whether our services may be appropriate.

Identity Verification Information

Information used to verify your identity and comply with fraud prevention and regulatory obligations, which may include government-issued identification or proof of address.

Communication Records

Records of communications with us, including emails, phone calls, call recordings, text messages, chat conversations, and form submissions.

Technical Information

Information about your device and website usage, such as IP address, browser type, operating system, device type, referring pages, and website activity.

Cookies and Tracking Technologies

We may use cookies and similar technologies to improve website functionality, analyze website traffic, personalize content, and measure the effectiveness of advertising and marketing campaigns.

How We Use Your Personal Information

We may use personal information for purposes including:

• Responding to inquiries and providing information about our services
• Reviewing your financial situation and determining whether you may qualify for services
• Administering and managing services provided to you
• Verifying identity and preventing fraud
• Complying with legal or regulatory obligations
• Communicating with you regarding inquiries, services, or account updates
• Improving our website, services, and customer experience
• Conducting internal analysis, quality monitoring, and training
• Sending updates or information about services that may be relevant to you where permitted by law

Consent to Communications

By submitting your contact information through our website or other communication channels, you consent to being contacted by Pathway Financial regarding services you have requested.

We may contact you by:

• Phone
• Email
• SMS or text message
• Messaging platforms
• Postal mail

Calls or messages may be made using automated dialing systems or prerecorded voice messages where permitted by law.

Message and data rates may apply.

Consent to receive communications is not a condition of purchasing any services.

You may opt out of marketing communications at any time by following the instructions provided in the communication or contacting us directly.

Sharing Personal Information

We may share personal information with trusted third parties where necessary to operate our business and provide services.

These may include:

• Creditors or their representatives when administering debt relief services
• Identity verification providers
• Credit reporting agencies (with your authorization)
• Payment processing providers
• Technology and cloud service providers
• Customer relationship management (CRM) systems
• Communication service providers (email, messaging platforms, video calls)
• Advertising or marketing service providers
• Referral partners who introduced you to our services

We require service providers to handle personal information securely and only use it for the services they perform for us.

We may also disclose personal information where required by law, court order, regulatory authority, or to prevent fraud or protect our legal rights.

Sale or Sharing of Personal Information

Pathway Financial does not sell personal information for monetary compensation.

However, some data sharing with advertising or analytics partners may be considered “sharing” under certain U.S. privacy laws.

Where required by applicable law, consumers may request to opt out of such data sharing.

How Long We Retain Information

If you contact Pathway Financial but choose not to proceed with services, we generally retain your information for up to 12 months unless a longer retention period is required or permitted by law.

If you enroll in our services, we may retain your information for a longer period to administer your account and comply with legal and regulatory recordkeeping obligations.

In many cases, records may be retained for up to 10 years after your account is closed or services end.

After the retention period expires, information may be securely deleted or anonymized.

Security of Personal Information

We use administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, or destruction.

These measures may include:

• Encrypted systems
• Access controls limiting who can view information
• Staff training and security monitoring
• Secure document storage and deletion procedures

However, no method of internet transmission or electronic storage can be guaranteed to be completely secure.

Children’s Privacy

Our website and services are intended for individuals who are at least 18 years of age.

We do not knowingly collect personal information from children under the age of 18.

If we become aware that personal information from a child has been collected, we will take reasonable steps to delete it.

Your Privacy Rights

Residents of certain U.S. states may have rights regarding their personal information under applicable privacy laws.

These rights may include the ability to:

• Request access to personal information we hold about you
• Request correction of inaccurate information
• Request deletion of personal information where permitted by law
• Request information about how personal information has been used or shared
• Request a portable copy of certain personal data
• Opt out of certain data sharing for advertising purposes

To exercise these rights, you may contact us using the contact information provided on our website.

We may take reasonable steps to verify your identity before fulfilling certain requests.

Changes to This Privacy Notice

We may update this Privacy Notice from time to time to reflect changes in our business practices or legal requirements.

When updates occur, the revised version will be posted on this page along with the updated effective date.