Privacy Policy

Financial Warranty Consumer Privacy Notice

This notice is effective as of January 1, 2023.

1. Introduction and Scope

This Privacy Policy outlines how Financial Warranty Company, LLC and our family of companies (collectively “Financial Warranty,” “we,” “us” or “our”) use, share and disclose information that relates to you (“personal information”). This Privacy Policy applies to personal information that is collected and processed by us in the course of our business, including on www.financialwarranty.com (the “Site”), and via our other online or offline offerings (together with any and all future offerings operated by or on behalf of Financial Warranty, the “Services”). This Privacy Policy applies to all users of the Services.

PLEASE REVIEW THIS PRIVACY POLICY CAREFULLY. When you submit information to or through the Site and/or Services, you consent to the collection and processing of your information as described in this Privacy Policy. By using the Site and Services, as applicable, you accept the terms of this Privacy Policy, our Terms of Use, and confirm that you are not located outside the United States, and consent to our collection, use, disclosure and retention of your information as described in this Privacy Policy.

If you are a California resident, please see the “Additional Disclosures for California Residents” section below. If you have any questions or wish to exercise your rights and choices, please contact us as set out in the “Contact Us” section. We currently only accept business and Site visitors within the United States. IF YOU ARE LOCATED OUTSIDE THE UNITED STATES, OR IF YOU DO NOT AGREE WITH ANY PART OF THIS PRIVACY POLICY, YOU ARE NOT AUTHORIZED TO USE THE SITE.

If you are an individual who utilizes our Services to obtain a financial product or service through us, we will use and share any information that we collect from or about you in accordance with our U.S. Consumer GLBA Privacy Notice. Information subject to our Privacy Notice is referred to as Non-Public Personal Information (“NPPI”).

2. Personal Information We Collect
Financial Warranty collects personal information from you, which may include information you provide voluntarily to us, information we collect automatically, and information that may be provided from third-party sources. The personal information we may collect includes:

Identifiers, including name, alias, postal address, unique personal identifier, email address, work email address, account name, social security number, driver’s license number, passport number, or other similar identifiers.
Device Information, such as information pertaining to the device through which you interact with our Services, such as your IP address, the type of device used to interact with the Services, that device’s operating system and version, MAC address, user settings, carrier information, or your browser type.
Personal Information Categories Listed in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e)), such as your signature, physical characteristics or description, address, telephone number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information. Some personal information included in this category may overlap with other categories.
Internet/Electronic Network Activity Information, such as your browsing history, search history, and information regarding your interactions with our Site, Services, or advertisements.
Financial Qualification Information, including financial qualification information for debt services that includes estimates of personal consumer debt. This may include information about employment status, your approximate credit rating, highest level of education, marriage status, or other similar information.
Healthcare Information, including information you disclose about your current health and medical history (e.g., via medical questionnaires).
Commercial Information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
Other Content, including content within any messages you send to us (such as feedback and questions to customer support).
Sensitive Personal Information, such as your Social Security number, certain health-related information, driver’s license number, or passport number.

3. Sources of Personal Information

We obtain the categories of personal information listed above from the following categories of sources:

Directly from you (e.g., when you communicate with us directly or fill out a form on our Site).
Information we collect automatically, including through your use of our Site and Services (please see the “Information We Collect Automatically” for additional information about this type of collection activity).
Data brokers, from which we purchase data to supplement the data we collect.
Social networks, when you engage with our content, reference our Service, or grant us permission to access information from the social networks.
Publicly-available sources, including court records and other documents in data in the public domain.
Credit Bureaus, in instances when you submit an application and a credit report is furnished.

4. Information We Collect Automatically

When you visit or browse our website, we and our advertising, marketing, or service partners may collect information such as your IP address, the URL of the web pages you visit, and may use tracking technologies to collect statistical and other information about your use of our website and other websites (collectively, “Tracking Technologies”).

These Tracking Technologies including the following:

Log Files, which are files that record events that occur in connection with your use of the Site.
Cookies, which are small data files stored on your device that act as a unique tag to identify your browser. We use two types of cookies: session cookies and persistent cookies. Session cookies make it easier for you to navigate our website and expire when you close your browser. Persistent cookies help with personalizing your experience, remembering your preferences, and supporting security features. Additionally, persistent cookies allow us to bring you advertising both on and off the Site. Persistent cookies may remain on your device for extended periods of time, and generally may be controlled through your browser settings.
Pixels (also known as web beacons), which is code embedded in a website, video, email, or advertisement that sends information about your use to a server. There are various types of pixels, including image pixels (which are small graphic images) and JavaScript pixels (which contains JavaScript code). When you access a website, video, email, or advertisement that contains a pixel, the pixel may permit us or a separate entity to drop or read cookies on your browser. Pixels are used in combination with cookies to track activity by a particular browser on a particular device. We may incorporate pixels from separate entities that allow us to track our communications, bring you advertising both on and off the Site. Our use of Tracking Technologies generally falls into the categories listed below. Please note that these are the main ways of classifying cookies, although there may be other cookies that will not fit neatly into these categories or may qualify for multiple categories.

Strictly Necessary	Cookies that are necessary for our websites to function and cannot be switched off in our systems. They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.
Functional	Enable the website to provide enhanced functionality and personalization based on your interaction with the website. For example, they may allow websites to remember the user’s site preferences and choices they make on the site including username, region, and language.
Analytics and Performance	These cookies are used specifically for gathering data on how visitors use a website, which pages of a website are visited most often, or if they get error messages on web pages. Some examples of performance cookies are cookies that count page visits, idle time by a user on a page, bounce rates, and load speeds.
Advertising and Targeting	Specifically designed to gather information from you on your device to display advertisements to you based on relevant topics that interest you.

5. How We Use Personal Information

We use personal information for a variety of business and commercial purposes, including:

To provide you with access to the Services, including to operate, troubleshoot, and improve our websites and other digital properties, and to provide the other services that we offer.
To respond to or notify you, including when you reach out to us with a comment, request, or question; request our Services; or otherwise to send you technical notices, updates, security alerts, and other administrative messages.
To personalize your experiences with us, including to remember your interests and preferences, and facilitate interactions and introductions.
For research and analytical purposes, including to understand how you use our Services (including our websites), the methods you use to access our Services, and to make improvements to our Services.
For marketing and advertisement purposes, including to send you marketing and advertising communications tailored to your interests and more general in nature, and to provide and assess the effectiveness of our marketing and advertising campaigns.
For our business purposes, including to operate and improve our business and Services, internal administration, and data analysis; detecting, preventing, and responding to actual or potential fraud, illegal activities, or intellectual property infringement; and for any other business purpose permitted by law.
For legal and safety purposes, including to defend or protect us, you, our clients, or third parties from harm or in legal proceedings; maintain the security of our clients, employees, and property; respond to court orders, lawsuits, subpoenas, and government requests; address legal and regulatory compliance; and notify you of any other legal or safety issues.
For purposes that you have otherwise consented to, including at the time your personal information is collected.

6. How We Disclose Your Personal Information

We disclose your personal information to third parties for a variety of purposes, including to provide our Services or operate our business, to protect us or others, or in the event of a major business transaction such as a merger, sale, or asset transfer, as described below.

Disclosures to Provide our Services

The categories of third parties with whom we may share your personal information are described below.

Service Providers. We may share your personal information with our third-party service providers and vendors that assist us with the provision of our Services. This includes service providers and vendors that provide us with IT support, hosting, payment processing, customer service, and related services.
Business Partners. We may share your personal information with business partners to provide you with a product or service you have requested. We may also share your personal information with business partners with whom we jointly offer products or services. Please note that this includes, but is not limited to, our lending partners.
Affiliates. We may share your personal information with our company affiliates for example: for our administrative purposes, IT management, or for them to provide services to you or support and supplement the Services we provide.
Advertising and Analytics Partners. We may share your personal information with third-party advertising and analytics partners. These third-party advertising partners may set Tracking Technologies and other tracking tools on our Services to collect information regarding your activities and your device (e.g., your IP address, cookie identifiers, page(s) visited, location, time of day). These partners may use this information (and similar information collected from other services) for purposes of delivering personalized advertisements to you when you visit digital properties within their networks. This practice is commonly referred to as “interest-based advertising” or “personalized advertising.” These partners may also use this information to assist with our research and analytics efforts, including to better understand your use our Sites and Services to improve those technologies and optimize your experience and interactions. Our Advertising or Analytics Providers include, for example:
Google Analytics. For more information about how Google uses your personal information (including for its own purposes, e.g., for profiling or linking it to other data), please visit Google Analytics’ Privacy Policy. To learn more about how to opt-out of Google Analytics’ use of your information, please click here.
Social Media Platforms. Our Services may contain social media buttons, such as Meta (formerly known as Facebook), Twitter, YouTube and Instagram, which might include widgets such as the “share this” button or other interactive mini programs. These features may collect personal information such as your IP address and which page you are visiting on our Services, and may set a cookie to enable the feature to function properly. Your interactions with these platforms are governed by the privacy policy of the company providing it.

Disclosures to Protect Us or Others

We may access, preserve, and disclose any information we store associated with you to external parties if we, in good faith, believe doing so is required or appropriate to: comply with law enforcement or national security requests and legal process, such as a court order or subpoena; protect your, our, or others’ rights, property, or safety; enforce our policies or contracts; collect amounts owed to us; or assist with an investigation or prosecution of suspected or actual illegal activity.

Disclosure in the Event of Merger, Sale, or Other Asset Transfers

If we are involved in a merger, acquisition, financing due diligence, reorganization, bankruptcy, receivership, purchase or sale of assets, or transition of service to another provider, your information may be sold or transferred as part of such a transaction, as permitted by law and/or contract.

7. Your Privacy Rights and Choices

Your Privacy Choices. The privacy choices you may have about your personal information are determined by applicable law and are described below.

Email Communications. If you receive an unwanted email from us, you can use the unsubscribe link found at the bottom of the email to opt out of receiving future emails. Note that you will continue to receive transaction-related emails regarding products or Services you have requested. We may also send you certain non-promotional communications regarding us and our Services, and you will not be able to opt out of those communications (e.g., communications regarding our Services or updates to our Terms or this Privacy Policy).
Phone calls. If you receive an unwanted phone call from us, you may opt out of receiving future phone calls from us by following the instructions which may be available on the call or by otherwise contacting us as set forth in “Contact Us” below.
Cookies and Personalized Advertising. When you first visit our website, you will be presented with a banner which offers you a choice about whether to accept or reject cookies or Tracking Technologies of different types, with the exception of those cookies which are strictly necessary for a particular service. If you wish to amend your choices, you can do so by clicking the button below. Please note you must separately opt out in each browser and on each device.

If you wish, you can also choose how web browser cookies are handled by your device via your browser settings. However, if you adjust your preferences, our Services may not work properly. Please note that cookie-based opt-outs are not effective on mobile applications. However, you may opt-out of personalized advertisements on some mobile applications by following the instructions for Android, iOS, and others.

The online advertising industry also provides websites from which you may opt out of receiving targeted ads from data partners and other advertising partners that participate in self-regulatory programs. You can access these and learn more about targeted advertising and consumer choice and privacy by visiting the site for the Network Advertising Initiative, and the Digital Advertising Alliance.

8. Additional Disclosures for California Residents

As a California resident, you may have certain rights under the California Consumer Protection Privacy Act (CCPA) (as amended by the California Privacy Rights Act (CPRA)) with respect to the personal information we collect about you. The specific personal information that we collect, use, and disclose relating to a California resident covered by the CCPA will vary based on our relationship or interaction with that individual. For example, this section does not apply with respect to information that we collect about California residents who apply for or obtain our financial products and services for personal, family, or household purposes. For more information about how we collect, disclose, and secure information relating to these customers, please refer to our US Consumer GLBA Privacy Notice.

Categories of Personal Information Collected and Sources. The “Personal Information We Collect” section above identifies the categories of personal information we may have collected in the past 12 months. The “Sources of Personal Information” section above describes the sources from which we obtain such information.
Purposes for Collection. We collect and use personal information for the business or commercial purposes described in the “How We Use Personal Information” section above.
Categories of Personal Information Disclosed and Categories of Recipients. We may have disclosed the following categories of personal information in the preceding 12 months for our business or commercial purposes to the Categories of Recipients listed below.

Categories of Personal Information We Disclose	Categories of Recipients
Identifiers	Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms
Device Information	Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms
Personal Information Categories Listed in the California Customer Records Statute (Cal. Civ. Code § 1798.80(e))	N/A
Internet/Electronic Network Activity Information	Affiliates, Service Providers, Business Partners, Advertising and Analytics Partners, and Social Media Platforms
Financial Qualification Information	Affiliates, Service Providers, and Business Partners
Healthcare Information	Affiliates, Service Providers, and Business Partners
Commercial Information	N/A
Other Content	Affiliates, Service Providers, and Business Partners
Sensitive Personal Information	N/A

For more details on how your personal information is disclosed, please see the “How We Disclose Personal Information” section, which provides additional information about our disclosure of Personal Information to Affiliates, Service Providers, Business Partners, and Advertising Partners.

We may also disclose all categories of personal information we collect:

To protect us or others.
In the event of a merger, sale, or other asset transfer, both of which are also described in the “How We Disclose Personal Information” section.

CCPA Rights

Right to Delete. You have the right to request that a business delete any personal information about you which the business has collected from you. The CCPA provides certain exceptions to the right to have personal information deleted.
Right to Correct. You have the right to request the correction of your personal information where it is inaccurate or incomplete. In some cases, we may provide self-service tools that enable you to update your personal information.
Right to Know. You have a right to request that we disclose what personal information we have collected about you, including the categories of personal information, the categories of sources from which the personal information is collected, the business or commercial purpose for collecting, selling, or sharing personal information, the categories of third parties to whom we disclose personal information, and the specific pieces of personal information that we have collected about you.
Right to Opt Out of the “Selling” or “Sharing” of Your Personal Information. You also have the right, at any time, to opt-out if we (i) sell personal information about you to third parties or (ii) share information with third parties for purposes of cross-contextual behavioral advertising. Our online advertising practices may also involve data sharing activities that constitute “sharing for purposes of cross-contextual advertising.” More information about our business and commercial purposes for sharing this information is found in the “How We Use Your Information” above. We do not have actual knowledge of any covered “sale” or “sharing” of personal information of minors under 16 years of age.

The list below summarizes the categories of personal information disclosed that may be considered “selling” or “sharing” under California law. Each of these categories may be “sold” or “shared” with our Advertising and Analytics Partners and the Social Media Platforms we use.

Identifiers
Internet/Electronic Network Activity Information
Financial Qualification Information
Healthcare Information
Other Content
Right to Limit Use and Disclosure of Your Sensitive Personal Information. In some instances, you also have the right to limit the use and disclosure of certain sensitive personal information (as defined in the CCPA). Please note that, pursuant to the CCPA, this right does not extend to personal information protected by other laws including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Licenses Protection Act. Furthermore, we do not process sensitive personal information for purposes other than those specified in Cal. Civ. Code § 1798.121.
Right to No Discrimination. You have a right not to receive discriminatory treatment for the exercise of your privacy rights.
Right to Limit Use and Disclosure of Your Sensitive Personal Information. In some instances, you also have the right to limit the use and disclosure of certain sensitive personal information (as defined in the CCPA). Please note that, pursuant to the CCPA, this right does not extend to personal information protected by other laws including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Licenses Protection Act. Furthermore, we do not process sensitive personal information for purposes other than those specified in Cal. Civ. Code § 1798.121.
Right to No Discrimination. You have a right not to receive discriminatory treatment for the exercise of your privacy rights.

Shine the Light: California’s “shine the light” law (Civil Code Section § 1798.83) permits users of our Services that are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us using the information provided below.

Data Retention: JG Wentworth retains the personal information we receive as described in this Privacy Notice for as long as necessary to fulfill the purpose(s) for which it was collected, carry out our operations, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, comply with applicable laws, or based upon other criteria, including, but not limited to, the sensitivity and volume of such data. Additionally, we endeavor to retain all such personal information in accordance with legal requirements. Any biometric identifiers or biometric information that we collect will be deleted when it is no longer needed for the purpose it was collected or 3 years after our last interaction with a Participant, whichever occurs first.

How to Exercise Your Rights, Verification Procedures, and Authorized Agents:

How to Submit a Request to Know, Request Delete, or Request to Correct. You may submit a Request to Know, a Request to Delete, or a Request to Correct by contacting us at 1-561-933-7703 or emailing us at i [email protected].
How to Submit a Request to Opt Out of the “Selling” or “Sharing.” Our use of Tracking Technologies may be considered a “sale”/ “sharing” under California law. You can opt-out of being tracked by these technologies by clicking the “Your Privacy Choice” link at the bottom of our website and selecting your preferences, or by contacting us at 1-561-933-7703 or emailing us at [email protected]. Please note that even after opting out, your use of our websites may still be tracked by us or our Service Providers.
Authorized Agent. You may designate an authorized agent to make a request on your behalf. If you submit a request on behalf of another person as an authorized agent, we may require additional proof that you are authorized and information to verify the identity of the person for whom you are submitting a request.
Verification. Once you submit a request, we will verify that you are the consumer to which the request pertains by matching your contact information with information we maintain. Depending on the type of request you submit, we will attempt to match either two or three of these data points you provided. If we are unable to verify your request with the data points you provided, we may reach out to you for additional information to verify your request. In some instances, we may not be able to honor your request. For example, we will not honor your request if we cannot verify your identity or if we cannot verify that you have the authority to make a request on behalf of another individual. Additionally, we will not honor your request where an exception applies, or where the personal information that we maintain about you is not subject to the CCPA’s access or deletion rights.

The CCPA includes exemptions under which the aforementioned rights may not extend to personal information protected by other laws, including the Gramm-Leach-Bliley Act (GLBA), the Health Insurance Portability and Accountability Act (HIPAA), the Fair Credit Reporting Act (FCRA), and/or the Driver’s Privacy Protection Act.

9. Security of Your Personal Information

We employ a number of organizational, technical and physical safeguards designed to protect the personal information we collect. However, security risk is inherent in all internet and information technologies, and we cannot guarantee the security of your personal information. To the fullest extent permitted by applicable law, we do not accept liability for unauthorized access, use, disclosure, or loss of personal information.

By using our Services or providing personal information to us, you agree that we may communicate with you electronically regarding security, privacy, and administrative issues relating to your use of our Services.

10. Retention of Your Personal Information

We store the personal information we collect as described in this Privacy Policy for as long as you use our Services, or as necessary to fulfill the purpose(s) for which it was collected, provide our Services, resolve disputes, establish legal defenses, conduct audits, pursue legitimate business purposes, enforce our agreements, and comply with applicable laws.

11. Do Not Track

Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.

12. Notification of Changes

Any changes to our Privacy Policy will be posted to this page so users are always aware of the information we collect and how we use it. Accordingly, please refer back to this Privacy Policy frequently as it may change.

13. Links to Third Parties’ Websites

This Website may contain links and interactive functionality interacting with the websites of third parties. We have not reviewed all of those third party websites. We are not responsible for, and have no liability for the functionality, actions, inactions, privacy settings, privacy policies, terms and conditions and content of any such website. The links and interactive functionality for third party websites on this Website, in no way constitute an endorsement by us of these third party websites. YOUR USE OF THIRD PARTY WEBSITES AND RESOURCES IS AT YOUR OWN RISK.

14. Contact Us

If you have any questions about our privacy practices or this Privacy Policy, or to exercise your rights as detailed in this Privacy Policy, please contact us at:

Phone: Call 1-561-933-7703

Email: [email protected]

15. Alternative Format

If you have a disability that prevents or limits your ability to access this notice, please contact us using the information provided in Section 14 (Contact Us) above. We will work with you to provide this notice in an alternative format.

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Financial Warranty Consumer Privacy Notice

This notice is effective as of January 1, 2023.

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