Privacy Policy
Cervantes Settlements LLC
1. Overview
This Privacy Policy describes how Cervantes Settlements LLC ("we," "us," or "our") collects, uses, discloses, and safeguards your personal and financial information when you visit our website, submit an online inquiry, or engage our services. As a provider of financial strategy and debt consulting services, our collection, processing, and handling of financial data comply with applicable state and federal financial privacy laws, including the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), and the Telephone Consumer Protection Act (TCPA).
2. Information Collection & Handling
We collect personal information necessary to evaluate, verify, and assist with your debt consolidation and financial consultation needs:
Online Inquiry Data: Initial contact information provided through our website, including your name, telephone number, email address, physical address, and general financial notes.
Consultant Engagement & Financial Data: Following an online inquiry, financial data is handled exclusively via a dedicated financial consultant who contacts the client directly after responding to the online inquiry. Full financial evaluations and data collection occur under a formal Financial Consultation Agreement executed between the client and Cervantes Settlements LLC.
Nonpublic Personal Information (NPI): Financial details obtained pursuant to the consultation agreement, including creditor details, total debt balances, payment histories, income records, account numbers, and Social Security Numbers (SSN).
Automated Website Data: Standard technical information collected automatically when visiting our Site, including IP addresses, browser types, operating systems, referring URLs, and interaction logs via server files and cookies.
3. Restricted Information Sharing & Debt Verification
Cervantes Settlements LLC does not sell, rent, trade, or lease your personal or financial information to third parties for general marketing or lead-generation purposes.
Information is only shared with third parties for debt verification and to prove the information provided. Specifically, data disclosure is strictly restricted to:
Financial Institutions & Creditors: To verify account balances, debt status, loan details, and payoff amounts relevant to your financial consultation plan.
Credit Bureaus & Reporting Agencies: To obtain credit reports, verify consumer credit files, and validate financial records as authorized under your financial consultation agreement.
Applicable Parties & Members: Authorized internal team members, legal representatives, and official counterparties strictly necessary to perform debt verification and execute the terms of your financial agreement.
Legal & Regulatory Compliance: Disclosure mandated by law, court order, subpoena, or regulatory audit to prevent fraud or enforce compliance.
4. Telephone Communications & SMS Privacy (TCPA Disclosure)
By providing your telephone number and submitting an inquiry on our website, you grant express consent to be contacted by an authorized financial consultant from Cervantes Settlements LLC regarding your inquiry.
You may be contacted by telephone or text message (SMS/MMS) regarding your consultation request.
Consent to telephone communication is not a mandatory condition of purchasing any product or service.
Strict Mobile Privacy Guarantee: Mobile information, phone numbers, and SMS consent details will never be shared, sold, rented, or disclosed to any third party, marketing agency, or external affiliate for promotional or marketing purposes.
You may opt out of receiving SMS communications at any time by replying STOP to any text message or by contacting us at 407-917-8040.
5. Credit Bureau Authorization
Pursuant to your online inquiry and subsequent Financial Consultation Agreement, you authorize Cervantes Settlements LLC and its financial consultants to obtain credit bureau reports and verify consumer records with financial institutions as necessary to evaluate your debt structure and confirm statement accuracy.
6. Safeguards & Data Security
In accordance with the GLBA Safeguards Rule, Cervantes Settlements LLC maintains comprehensive administrative, technical, and physical security measures designed to protect your sensitive financial records against unauthorized access, loss, or misuse. Access to Nonpublic Personal Information (NPI) is strictly restricted to authorized consultants and personnel who require the data to perform services under your agreement.
7. Your Privacy Rights & Opt-Out Options
Subject to federal record retention mandates governing financial services, you have the right to request access to the personal information we hold, request corrections to inaccurate records, or opt out of specific communications. To exercise your privacy rights, contact our compliance department using the information below.
8. Contact Us
If you have any questions, concerns, or requests regarding this Privacy Policy or your financial data handling, please contact us directly:
Company Legal Name: Cervantes Settlements LLC
Telephone: 407-917-8040
Address: 8389 Woodcrest Dr, Apt 1, Westland, MI 48185
Attention: Privacy & Compliance Department
