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Privacy Policy

Effective January 1, 2026

Credit Smart Choices ("we", "our", "us") provides a financial services marketplace connecting clients with loan, insurance, payments, investment, home warranty, and debt relief providers. This policy explains what personal and financial information we collect, how it is used, and the choices available to you.

Information we collect

• Identity and contact details you provide through forms, such as name, email, and phone number.
• Financial information relevant to the product you inquire about, such as income range or loan amount.
• Usage data collected automatically, including pages viewed and device type, to improve site performance.

How we use it

• To match you with the most relevant financial products and licensed partners.
• To respond to inquiries submitted through our contact and newsletter forms.
• To meet recordkeeping and disclosure obligations under applicable financial services regulations.

Sharing of information

We share information only with the licensed lenders, insurers, or partners required to fulfil the specific product request you make, and with service providers who help us operate the site under strict confidentiality terms. We do not sell personal information to third parties for their own marketing use.

Your choices

You may request access to, correction of, or deletion of your information at any time by contacting info@cashflowstrategy.info. You may unsubscribe from newsletter emails using the link in any message, or by writing to us directly.

Data security

We apply encryption in transit, restricted internal access, and regular review of our security practices to safeguard client information against unauthorized access.

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Terms & Conditions

Effective January 1, 2026

These Terms govern your use of the Credit Smart Choices website and the financial marketplace services described on it. By submitting an inquiry or using this site, you agree to the terms below.

Nature of our service

Credit Smart Choices operates as a marketplace and referral service for third-party providers of loans, insurance, digital payment services, investment products, home warranty plans, and debt relief programs. Credit Smart Choices itself is not a lender, insurer, broker-dealer, or debt settlement company; final approval, pricing, and terms for any product are determined solely by the licensed provider you are matched with.

No financial advice

Content on this site is provided for general informational purposes and does not constitute individualized financial, legal, or tax advice. You should review any offer carefully and, where appropriate, consult a licensed professional before making a decision.

Eligibility and accuracy

You confirm that information submitted through our forms is accurate and that you are authorized to provide it. Providing false information may result in denial of a product application by the relevant provider.

Limitation of liability

Credit Smart Choices is not responsible for the acts, omissions, rates, or terms of third-party financial providers referenced or linked from this site. Use of this website and any linked service is at your own risk, to the fullest extent permitted by applicable law.

Changes to these terms

We may update these Terms from time to time. Continued use of the site after changes are posted constitutes acceptance of the revised Terms.