Privacy Policy
Effective Date: July 16, 2026 | Last Updated: July 16, 2026
1. Introduction
Consumer Defense Group, LLC ("we," "us," "our," or "CDG") respects your privacy and is committed to protecting your personal information. This Privacy Policy ("Policy") describes how we collect, use, disclose, and safeguard your information when you visit our website www.consumerdefensegroup.com (the "Site"), use our financial coaching and consumer defense services (the "Services"), submit forms, enroll in programs, or otherwise interact with us. Our Services include personalized financial coaching such as budgeting and expense tracking, debt reduction strategies, credit improvement guidance, financial goal setting, and related educational and support services. We may also assist with enrollment in legal service plans, and connections to our network of attorneys and service providers, subject to applicable regulations and your authorization. By accessing or using the Site or Services, you acknowledge that you have read and understood this Policy and agree to its terms. If you do not agree, please do not use the Site or provide us with your information.
2. Information we collect
We collect information in various ways to provide and improve our Services:
2.1 Information You Provide Directly
• Personal Identification Information: Name, email address, phone number (including mobile for SMS), mailing address, and other contact details submitted via contact forms, intake questionnaires, or consultations.
• Financial and Sensitive Information: Details about your income, expenses, debts, creditors, credit history or reports (obtained with your explicit authorization and consent), bank account or payment information necessary for processing payments, settlements, or enrollments.
• Account and Profile Data: Information you provide when creating an account, updating preferences, or participating in our programs.
• Communications: Content of your inquiries, feedback, support requests, or other messages sent to us.
2.2 Information Collected Automatically
• Usage and Technical Data: IP address, browser type and version, device type and operating system, referring/exit pages, pages viewed, time spent on pages, clickstream data, and other analytics information.
• Cookies and Tracking Technologies: We use cookies, web beacons, pixels, and similar technologies to enhance functionality, analyze usage, remember preferences, and deliver relevant content. Essential cookies are required for core Site functions; others can often be managed via your browser settings or our cookie banner (if implemented).
2.3 Information From Third Parties and Partners
• Credit reporting agencies or bureaus (with your authorization to pull or dispute reports).
• Our service providers and vendors
• Publicly available sources or data aggregators, where permitted.
Important: We do not knowingly collect personal information from children under the age of 13 in violation of the Children's Online Privacy Protection Act (COPPA). If you believe we have inadvertently collected such data, please contact us immediately.
3. How We Use Your Information
We use the information we collect for the following purposes (and as otherwise described in this Policy or with your consent):
• Provide and Personalize Services: Deliver financial coaching, assessing debt liability and expenses, facilitate credit improvement strategies, process enrollments, manage client accounts, and connect you with appropriate resources or attorneys.
• Process Transactions and Payments: Handle billing, payments, refunds, chargebacks, and related financial operations through our payment partners.
• Communicate with You: Respond to inquiries, send service updates, appointment reminders, educational materials, newsletters, and (with consent or as permitted) marketing communications via email, SMS/text, or phone. Note: SMS opt-in data and consent are not shared with third parties for marketing purposes.
• Improve Our Services and Site: Analyze usage patterns, conduct research, develop new features, and enhance user experience and operational efficiency (including AI/automation initiatives where applicable).
• Security, Fraud Prevention, and Compliance: Protect against fraud, unauthorized access, or illegal activity; maintain records required by debt relief, telemarketing (TCPA), financial, and consumer protection regulations; respond to legal requests; and support our compliance efforts (e.g., ACDR accreditation, SOC 2 readiness).
• Marketing and Analytics: Send promotional content (subject to your opt-out rights) and measure effectiveness of campaigns.
• Legal and Safety: Enforce our Terms of Service, protect our rights and property, or defend against claims.
4. How We Share and Disclose Information
We do not sell your personal information for monetary or other valuable consideration. We may share or disclose information in the following circumstances:
4.1 Service Providers and Vendors
We share information with trusted third-party service providers who perform functions on our behalf, such as:
• CRM and client management platforms for lead tracking, case management, and reporting.
• Communication and VoIP services for calls, SMS, and call logging.
• E-signature and document management (e.g., DocuSign) for contracts and authorizations. Payment Processing Gateways
• Hosting, cloud storage, analytics, and development partners (including remote teams and contractors in various locations).
These providers are contractually obligated to protect your data and use it only for the specific services they provide to us.
4.2 Aggregated or De-identified Data
We may use and share aggregated, anonymized, or de-identified information for analytics, research, marketing, or other legitimate business purposes. Such data does not identify any individual.
We require all recipients of shared information to maintain appropriate confidentiality and security measures.
5. Data Security
We implement and maintain reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, alteration, disclosure, or destruction. These measures may include:
• Encryption of sensitive data in transit (e.g., HTTPS/TLS) and, where appropriate, at rest.
• Access controls, authentication, and role-based permissions limiting access to authorized personnel only.
• Secure development practices, regular security assessments, and monitoring.
• Employee training on data protection and confidentiality.
• Pursuit of industry standards such as SOC 2 readiness and alignment with best practices for financial and consumer data handling.
Important Limitation: While we strive to protect your information using commercially reasonable efforts, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security. You are responsible for safeguarding any account credentials or devices you use to access our Services. If you suspect a security incident or unauthorized access involving your information, please notify us immediately at the contact information below.
6. Your Privacy Rights and Choices
Your rights regarding your personal information depend on your location and applicable law (e.g., California Consumer Privacy Act (CCPA/CPRA) and its regulations for California residents, and other U.S. state privacy laws.
6.1 Common Rights (Subject to Verification and Legal Limits)
• Right to Know/Access: Request confirmation of whether we process your personal information and obtain a copy of the categories and specific pieces of information we have collected about you in the prior 12 months.
• Right to Delete: Request deletion of personal information we hold about you, subject to exceptions (e.g., ongoing service obligations, legal retention requirements for debt settlement records, tax, or litigation holds).
• Right to Correct: Request correction of inaccurate personal information.
• Right to Opt-Out of Sale or Sharing: We do not sell personal information. You may have the right to opt out of any "sharing" for cross-context behavioral advertising or similar purposes (where applicable). We honor Global Privacy Control (GPC) signals where technically feasible.
• Right to Limit Use of Sensitive Personal Information (CA): Request that we limit use of sensitive personal information to what is necessary to provide the Services.
• Right to Non-Discrimination: We will not discriminate against you for exercising your privacy rights.
6.2 Marketing and Communictions Opt-out
• Email: Follow the "unsubscribe" link in any marketing email or reply with "unsubscribe."
• SMS/Text: Reply "STOP" to any marketing text message from us. You may continue to receive transactional or service-related messages (e.g., appointment reminders, account updates) even after opting out of marketing. Our SMS practices comply with TCPA and applicable consent requirements. Mobile information is not shared with third parties/affiliates for marketing or promotional purposes.
• Phone: Request to be placed on our internal Do Not Call list.
6.3 How to Exercise Your Rights
To exercise any of the above rights, please contact us using the information in Section 12 below. We will verify your identity (e.g., via email confirmation, matching details you provide, or other reasonable methods) before responding. We aim to respond within the timeframes required by applicable law (typically 30-45 days, with possible extensions). If you are a California resident or have a complaint, you may also contact the California Privacy Protection Agency or your state Attorney General.
7. Data Retention
We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to provide ongoing Services, to comply with our legal and regulatory obligations (including debt recordkeeping, financial coaching, and consumer protection requirements), to resolve disputes, enforce our agreements, and for legitimate business purposes such as fraud prevention and business analytics. Retention periods vary depending on the type of information and context (e.g., active client records typically retained for the duration of the engagement plus applicable post-service periods required by law or contract; marketing data retained until you opt out or longer where permitted). When information is no longer needed, we securely dispose of or anonymize it.
8. Third-Party Websites, Services and Integrations
Our Site may contain links to, or integrate with, third-party websites, applications, or services (e.g., payment processors, credit monitoring tools, analytics providers, or social media). These third parties have their own privacy policies and terms. We are not responsible for their content, practices, or the information they collect. We encourage you to review the privacy policies of any third-party sites or services you access. Our Policy applies only to information collected by or on behalf of CDG.
9. Changes to this Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or business operations. When we make material changes, we will update the "Last Updated" date at the top of this Policy, post the revised Policy on the Site, and provide notice by email, prominent Site notice, or other reasonable means before the changes become effective. Your continued use of the Site or Services after the effective date of any changes constitutes your acceptance of the revised Policy. We recommend reviewing this Policy periodically.
10. Important Legal Disclosures
This Policy is provided in connection with our Services, which are subject to applicable federal and state laws governing debt relief services, financial coaching, telemarketing, consumer protection, data privacy, and electronic communications. Nothing in this Policy limits your rights under such laws.
11. Contact Us
If you have questions, concerns, requests regarding this Privacy Policy, or wish to exercise your privacy rights, please contact us:
Consumer Defense Group, LLC
Physical Address: 1180 Spring Centre South Blvd, Suite 212, Altamonte Springs, FL 32714
Mailing Address: P.O. Box 681038, Orlando, FL 32868
Email: contact@consumerdefensegroup.com
Phone: (877) 516-2662
Website: www.consumerdefensegroup.com
For privacy-specific inquiries, you may also email us at the above address with "Privacy Request" in the subject line. We will respond in accordance with applicable law.