Privacy Policy — Consumer Finance Review Board (CFRB)

Last Updated: October 2025

Who We Are

The Consumer Finance Review Board (“CFRB,” “we,” “our,” or “us”) is an independent online resource that provides financial education, consumer reviews, and industry insights. Our website address is https://consumerfinancereviewboard.org.

Disclosure and Non‑Advisory Statement

CFRB is not a financial institution, legal practice, or advisory firm, and we do not provide personalized financial, investment, tax, or legal advice. Financial and legal advice can only be provided by a licensed or certified professional who has reviewed your individual circumstances.

All content on this website—including articles, educational materials, reviews, news roundups, and resources—is provided for informational and educational purposes only. Information published on CFRB is based on consumer reviews, reputable news sources, publicly available data, and independent research regarding financial and legal products and services. While we strive for accuracy and timeliness, we cannot guarantee that all information is current, complete, or applicable to every reader.

CFRB may refer visitors to financial or legal professionals and service providers who have earned strong ratings in our reviews. In some cases, we may receive financial compensation when a visitor is referred to or engages with these professionals or services. Such compensation does not influence our editorial standards, which are developed independently to serve consumer interests. We do not guarantee any specific outcome, performance, or results from advice, products, or services provided by third parties. Readers should conduct their own due diligence and consult qualified professionals before making financial or legal decisions.

Information We Collect

We collect information in the following ways:

  • Contact and request forms: name, email address, phone number. and information you provide when requesting a financial review, educational materials, news subscriptions, or a professional referral.
  • Comments: information shown in the comment form, the visitor’s IP address, and browser user agent string to help spam detection.
  • Technical data: IP address, device and browser information, pages visited, and general location (as made available by your browser).
  • Media uploads: if you upload images, avoid including embedded location data (EXIF GPS), as visitors may extract location data from images on the website.
  • Cookies and similar technologies: see “Cookies & Consent” and “Analytics & Consent Mode” below.

How We Use Information

We use your information to:

  • Respond to inquiries and fulfill requests for reviews, educational materials, subscriptions, or referrals.
  • Operate, secure, and improve our website, content, and user experience.
  • Send communications related to your request and, if you opt in, topic‑based updates and newsletters.
  • Maintain legal, regulatory, and compliance records (e.g., consent logs).

Cookies & Consent

If you leave a comment, you may opt in to saving your name, email address, and website in cookies for your convenience. These cookies typically last up to one year. If you visit our login page, we set a temporary cookie to determine if your browser accepts cookies; it contains no personal data and is discarded when you close your browser. When you log in, we set cookies to save your login information and screen display preferences. If you edit or publish an article, an additional cookie may be saved in your browser containing the post ID of the article you edited.

We use a consent management platform (Complianz) to display a cookie banner and record your preferences.

Your consent choices may affect which cookies load. You can change or withdraw consent at any time via the cookie banner settings.

Analytics & Google Consent Mode V2

We use Google Tag Manager to implement Google Analytics 4 (GA4) and related measurement tools. With Google Consent Mode V2 enabled, Google adjusts data collection based on your consent settings. When consent is not granted, GA4 may receive anonymized, consent‑aware signals to help us understand site performance without using non‑essential cookies. We use this information in aggregate to improve the site and content. For details on Google’s data practices, see Google’s Privacy Policy and terms for your region.

Embedded Content from Other Websites

Articles on this site may include embedded content (e.g., videos, images, or articles). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website. These websites may collect data about you, use cookies, embed additional third‑party tracking, and monitor your interaction with the embedded content, including tracking your interaction if you have an account and are logged in to that website.

Third‑Party Services

We may integrate third‑party services such as Google Fonts, Google reCAPTCHA (to protect forms), YouTube (for video embeds), and other tools that help us operate the website. These providers may process limited technical data as necessary to deliver their services. Please refer to the privacy policies of those providers for details.

Who We Share Your Data With

If you request a password reset, your IP address may be included in the reset email. We may share information with service providers who assist with website hosting, security, analytics, email delivery, or form processing, subject to contractual confidentiality and data‑protection obligations. If you request a referral, we may share your submitted details with the professional or firm you ask us to connect you with, but only with your permission.

How Long We Retain Your Data

If you leave a comment, the comment and its metadata are retained indefinitely to help recognize and approve follow‑up comments automatically. For users who register on the website (if any), we store the personal information they provide in their user profile. Website administrators can see, edit, or delete that information. We retain consent logs and form submissions for as long as reasonably necessary to fulfill the requested service and comply with legal obligations.

Your Rights & Choices

Depending on your location, you may have rights to request access to, correction of, deletion of, or a copy of the personal information we hold about you, as well as rights to opt out of certain processing or communications. To exercise these rights, contact us at contact@consumerfinancereviewboard.org. We may request verification of your identity before fulfilling your request.

Data Transfers

Our website is operated in the United States. If you access the site from outside the U.S., you understand that your information may be transferred to, stored, and processed in the U.S. or other countries where our service providers are located.

Security

We implement reasonable technical and organizational measures to protect personal information, including HTTPS (SSL/TLS) encryption and industry‑standard security practices. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.

Children’s Privacy

This website is not directed to children under the age of 13, and we do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can take appropriate action.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will update the “Last Updated” date at the top of this page.

Contact for Privacy Inquiries

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at contact@consumerfinancereviewboard.org or use the contact form on our website.