Policies

Privacy Policy

Shores Financial LLC (“Shores,” “we,” “our,” or “us”) values your trust and is committed to protecting your privacy. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you access our services or use the website we operate, www.shoresfinancial.org (the “Services”).

By using our Services, you consent to the practices described in this Privacy Policy. We may update this Privacy Policy periodically, and we encourage you to review it regularly. Changes take effect when posted unless otherwise indicated.

1. Information We Collect

We collect personal information from you directly, through your use of our Services, and from third parties. The types of personal data we collect include:

Personal Identifiers:

• Name, date of birth
• Government-issued identification data
• Marital status

Contact Information:

• Address, phone number, email
• Emergency contact details

Employment & Financial Information:

• Job title, employer, income, and employment history
• Financial account details and payment history

Usage and Technical Information:

• Device identifiers, browser type, IP address
• Cookies, web beacons, session replay, and similar tracking technologies

Information from Third Parties:

• Credit bureaus (e.g., Experian, TransUnion, Equifax)
• Data providers and aggregators
• Government and public records
• Social media platforms (when you interact with us via those platforms)

2. How We Use Your Information

We use your personal information for the following business and operational purposes:

• To provide and manage your financial products and services
• To review your loan or financial service application
• To verify your identity and prevent fraud
• To process transactions and provide customer service
• To communicate updates, offers, and relevant information
• For analytics, product development, and business improvement
• To comply with legal, regulatory, and contractual obligations
• To protect our legal rights and those of our customers

3. Cookies and Tracking Technologies

We use cookies and other tracking tools to enhance your experience:

• Session and persistent cookies for remembering preferences and navigation
• Web beacons and pixels for email tracking and engagement analytics
• Session replay technologies to understand site usage and improve user experience
• Third-party analytics (e.g., Google Analytics) and advertising tools

You may control cookie preferences through your browser. Some functionality may be limited if cookies are disabled.

4. Data Sharing and Disclosures

We may share your personal data with:

• Service Providers: Including IT, analytics, marketing, and cloud hosting partners
• Consumer Reporting Agencies: For credit and identity verification
• Advertising and Marketing Partners: For relevant promotions and ad performance
• Other Lenders or Brokers: With your consent or as part of joint offerings
• Legal Authorities: When required to comply with legal obligations
• Professional Advisors: Such as auditors, lawyers, or consultants
• Social Media Platforms: Based on your interaction with our content
• Business Transfers: In the event of a merger, acquisition, or reorganization
• The Public: When you voluntarily post content on public forums

We do not sell your personal information, but we may “share” it as defined by California law (see Section 8).

5. Data Transfers

We may transfer your data outside your state or country of residence. When we do, we ensure appropriate safeguards are in place as required by applicable law.

6. Data Security and Retention

We maintain physical, technical, and administrative safeguards to protect your personal information from unauthorized access and disclosure. We retain personal information as long as necessary for:

• Providing services and maintaining customer relationships
• Meeting legal and regulatory requirements
• Protecting against fraud and enforcing agreements
• Supporting business operations and resolving disputes

7. Your Privacy Choices

You may take the following actions to manage your privacy:

• Opt out of direct marketing by contacting us at info@shoresfinancial.org
• Manage advertising cookies via browser settings, or through Google Ad Settings and Bing Ad Settings
• Do Not Track Signals: We honor “Do Not Track” requests from browsers
• Control cookies using your browser or plug-ins
• Decline data provision: Certain features may not function without required data

8. California Privacy Rights (CCPA/CPRA)

California residents have rights under the California Consumer Privacy Act (as amended by the CPRA), including the right to:

• Know what personal information we collect, use, and disclose
• Access, correct, or delete your personal information
• Opt out of the sale or sharing of personal information
• Limit use of sensitive personal data (where applicable)
• Not be retaliated against for exercising privacy rights

To exercise these rights, please call us at (954) 628-5412. We will verify your identity before processing your request.

Note: Certain data (e.g., regulated under the GLBA or FCRA) may be exempt from CCPA requirements.

9. Nevada Privacy Rights

Nevada residents may request that we not sell their personal information. To submit such a request, please call (954) 628-5412.

10. Contact Us

Terms and Conditions

These Terms and Conditions (“Agreement”) govern your access to and use of the services provided by Shores Financial LLC (“Shores,” “we,” “us,” or “our”). By using our website (www.shoresfinancial.org) or any of our services (collectively, the “Services”), you (“User” or “you”) agree to comply with and be bound by this Agreement. If you do not agree to these Terms, please do not use our Services.

1. Eligibility

To use our Services, you must be at least 18 years old and capable of entering into a legally binding agreement. If you are using our Services on behalf of a business or organization, you represent that you are authorized to bind that entity to this Agreement.

2. Description of Services

Shores Financial provides debt resolution services for unsecured consumer debt, including but not limited to:

• Review of your unsecured debts and current financial situation
• Consultation on the options available to you and what each involves
• Negotiation and coordination with creditors on enrolled unsecured accounts
• Ongoing support for the duration of your program

We are not a lender. We do not originate, broker, fund, or service loans, and we do not extend credit of any kind. We are not a law firm and do not provide legal representation, legal advice, tax advice, credit repair services, or bankruptcy advice. We work only with unsecured debt; we do not service secured debt such as mortgages, auto loans, or federal student loans.

We reserve the right to modify, suspend, or discontinue any part of the Services at our sole discretion and without prior notice.

3. User Responsibilities

You agree to:

• Provide truthful, accurate, and complete information during the consultation and enrollment process
• Update any personal or financial information as necessary to maintain its accuracy
• Use the Services only for lawful purposes
• Refrain from interfering with the operation or security of our systems or networks
• Not attempt to gain unauthorized access to any part of the website or data

4. Enrollment and Eligibility

Enrollment in any program offered through Shores Financial is subject to review and acceptance. By requesting a consultation or applying to enrol, you authorize us to collect and evaluate personal and financial information relevant to your circumstances. Acceptance is not guaranteed, and we reserve the right to decline any applicant at our sole discretion. Our services are not available in all states, and eligibility may depend on your state of residence, the type and amount of debt you hold, and your individual financial circumstances.

5. Privacy and Data Use

By using our Services, you agree to the terms of our Privacy Policy. We collect, use, and share your data in accordance with that policy and applicable law, including the Gramm-Leach-Bliley Act (GLBA). While we take reasonable measures to protect your data, no transmission over the internet is completely secure.

6. Fees and Charges

All fees applicable to your program will be disclosed to you in writing before you enrol and will be set out in your program agreement. There is no charge for an initial consultation or savings estimate.

We do not charge advance fees for debt resolution services. No fee becomes payable in connection with any enrolled debt until that debt has been renegotiated, settled, reduced, or otherwise resolved and you have made at least one payment under the resulting arrangement, consistent with the Federal Trade Commission's Telemarketing Sales Rule.

7. No Guarantee of Results

We do not guarantee that any particular debt will be settled, reduced, or resolved, that it will be resolved by any specific amount or percentage, or that it will be resolved within any specific timeframe. Results depend on your individual circumstances, the willingness of your creditors to negotiate, and your ability to complete the program. Not all clients complete their program.

Creditors are under no obligation to negotiate or to accept any settlement. Enrolling in a debt resolution program is likely to adversely affect your credit score and creditworthiness. Where a program involves ceasing payments to creditors, you should expect that your balances may continue to grow through interest and fees, that creditors may continue collection activity, and that they may take legal action against you. Forgiven debt may be treated as taxable income; you should consult a tax professional about your own position.

8. Consent to Contact

By submitting a form or otherwise opting in, you expressly authorize Shores Financial and its agents to contact you via phone, email, or SMS regarding your inquiry, your enrollment, and related services. Standard messaging and data rates may apply. You may opt out of SMS communications at any time by replying “STOP” or contacting us directly. Consent is not a condition of purchase. See also our Do Not Call Policy.

9. Intellectual Property

All content on our website—including text, graphics, images, software, and trademarks—is the property of Shores Financial or its licensors and is protected under applicable copyright, trademark, and intellectual property laws. You may not copy, modify, distribute, or exploit any content without our prior written consent.

10. Limitation of Liability

To the maximum extent permitted by law, Shores Financial is not liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use the Services, even if we have been advised of the possibility of such damages. This includes, but is not limited to, errors in processing or service interruptions.

11. Indemnification

You agree to indemnify, defend, and hold harmless Shores Financial, its affiliates, officers, employees, and agents from any claims, damages, losses, liabilities, or expenses arising out of or related to your use of the Services or your breach of this Agreement.

12. Third-Party Links

Our Services may contain links to third-party websites that are not owned or controlled by Shores Financial. We are not responsible for the content, terms, or privacy policies of these external sites. Accessing such sites is at your own risk.

13. Termination

We may terminate or suspend your access to the Services, in whole or in part, at any time and for any reason, including violation of these Terms. Upon termination, any rights or licenses granted to you shall immediately cease.

14. Governing Law

This Agreement is governed by and interpreted in accordance with the laws of the State of Nevada, without regard to conflict of law principles. Any disputes shall be resolved exclusively in the state or federal courts located in Nevada.

15. Amendments

Shores Financial may update these Terms at any time. Changes will be effective immediately upon posting to our website, with an updated “Effective Date.” Continued use of the Services after such changes constitutes your acceptance of the revised Terms.

16. Contact Information

By using our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

Do Not Call Policy

Shores Financial LLC does not place telemarketing telephone calls (which, for the purposes of this Policy, include text messages) to phone numbers appearing on a state or federal Do Not Call list (unless permitted by applicable law), or to the phone number of any individual who has requested not to receive telemarketing calls made by or on behalf of Shores Financial.

For the purposes of this Policy, “Shores Financial” refers to Shores Financial LLC and any affiliated entities operating in the United States that are directly owned or controlled by Shores Financial LLC.

How to Request Placement on Our Do Not Call List

If you prefer not to receive telemarketing calls from Shores Financial, you may request that your telephone number be placed on our internally-maintained Do Not Call list.

• You may submit your request in writing or by phone.
• Your request must include your telephone number.
• If you have multiple telephone numbers, please provide each one you wish to include.
• If your number changes, you are responsible for updating us with your new information to maintain your Do Not Call status.

Upon receipt of your request, we will add your number to our internal Do Not Call list. You will not be contacted for telemarketing purposes during future campaigns for a period of at least five (5) years, or any longer period required by applicable law. We will process your request within a reasonable time, not to exceed thirty (30) days, or any shorter time required by law.

Exceptions and Permitted Contact

Please note that Do Not Call regulations allow companies to contact their own customers even if those customers are on a federal or state Do Not Call list. If you are an existing customer of Shores Financial, you may still receive telemarketing communications unless you specifically request to be placed on our internal Do Not Call list using the methods described above.

Additionally, placing your number on our internal Do Not Call list does not prevent Shores Financial from contacting you for non-telemarketing purposes, such as:

• Account servicing or billing
• Responding to customer inquiries
• Conducting customer satisfaction surveys
• Providing information about products or services you currently use

Employee and Vendor Compliance

Shores Financial provides training to relevant employees on how to document, process, and honor Do Not Call requests. We also require all service providers and vendors who may initiate telemarketing calls on our behalf to comply with this Do Not Call Policy and all applicable laws.

Contact and Policy Access

If you have any questions or comments about our Do Not Call Policy, or if you wish to receive a printed copy of this Policy, please contact us at info@shoresfinancial.org or (954) 628-5412.

Policy Updates

We reserve the right to revise this Do Not Call Policy at any time, consistent with applicable federal and state laws.