Privacy Policy
Introduction and Last Update
Credence Financial Services LLC (also referred as “CFS” or “the Company”). The Company is committed to the highest standards of compliance with this Privacy Policy which was last updated on September 21st, 2024.
Overview
Credence Financial Services LLC recognizes the importance you place on your privacy and the confidentiality of your financial information. We therefore think that it is important for your information to remain private and for you to be informed of the policies we have in place to safeguard your privacy:
Information We Collect
We collect nonpublic personal information about you from the following sources:
- Information we receive from you on applications or other forms, including those applications completed on our website.
- We received information about you we received from third party website form(s).
- Information about your transactions with us, our affiliates, or others; and
- We receive information from a consumer reporting agency.
Information We Share with Others
We may make disclosures to nonaffiliated third parties as permitted by law. This may result in the disclosure of customer information in certain situations including:
- To enforce or administer a transaction that you request or authorize.
- To protect the security and integrity of your records.
- To prevent actual or potential fraud, unauthorized transactions or other liability.
- To the extent specifically permitted or required under the Right to Financial Privacy Act.
- To comply with federal, state or local laws, rules and other applicable legal requirements; or
- To a consumer reporting agency in accordance with the Fair Credit Reporting Act.
We do not disclose any non-public personal information about our customers or former customers to any other non-affiliated third parties. We do share non-public personal information with affiliated third parties as permitted.
Joint Marketing Agreements
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements:
- Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.
- Information about your transactions with us, our affiliates, or others, such as your account balance, payment history, and parties to the transactions; and
- We receive information from a consumer reporting agency, such as your creditworthiness and credit history.
Protecting Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic information.
When your loan is sold, you may contact the servicer of record at anytime to opt out of disclosure by the servicer. You will receive an annual notification from the servicer of your right to opt out of disclosure.
Consent and Opt-Out
Consent
By providing your contact information and opting in to receive communications from us, you consent to receive emails, phone calls, and text messages from Credence Financial Services LLC for the purposes outlined in this Privacy Policy. This consent includes communications using an automatic telephone dialing system or prerecorded voice messages. Consent is not a condition of purchase.
Opting Out
You have the right to opt out of receiving marketing communications at any time. You can opt out by:
- Email: Following the unsubscribe instructions included in each marketing email or contacting us directly at privacy@credencefins.com.
- Phone: Informing us during a call that you no longer wish to receive marketing communications or contacting us at 610-640-5656.
- Text: Replying "STOP" to any marketing text message you receive from us. Please note that you may receive a confirmation message in response to your opt-out request.
Security
We implement a variety of security measures to protect your personal information. However, no method of transmission over the internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee its absolute security.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page and updating the "Last Updated" date at the top of this Privacy Policy. You are advised to review this Privacy Policy periodically for any changes.
Contact Us
If you have any questions about this Privacy Policy, please contact us at:
Credence Financial Services LLC, 53 Darby Road, Suite K, Paoli, PA 19301, credencefins.com, (610) 477-0858 (Office), 1-888-862-1720 (Toll Free), NMLS #: 2461963, privacy@credencefins.com
