Privacy Policy

1. Scope of this policy

This policy applies when you visit moneyfit.org, submit information through a Money Fit website form or application, request information or counseling, or communicate with us by email, telephone, or text message.

Some services, client accounts, educational platforms, or transactions may include an additional notice or agreement. When a separate notice applies to a particular service or interaction, that notice supplements this policy.

2. Information we collect

The information we collect depends on how you use the website and which services you request.

Contact and identifying information

Name, mailing address, email address, telephone number, and other contact information you choose to provide.

Inquiry and service information

Questions, appointment or counseling requests, form responses, and other details you provide when asking for information or assistance.

Debt and account information

When you complete an applicable counseling or service form, you may provide creditor names, account balances, monthly payments, interest rates, account status, and related information needed to understand your situation.

Communications

Emails, text messages, website submissions, call notes, and other communications with Money Fit. Telephone calls may be monitored or recorded for quality assurance, training, documentation, and compliance purposes, with notice or consent when required.

Feedback and content you authorize

Feedback, reviews, testimonials, questions, or other content you voluntarily provide. We will use identifying details publicly only when authorized or otherwise permitted by law.

Technical and usage information

Internet Protocol address, browser and device information, pages viewed, referring pages, approximate location derived from an IP address, timestamps, cookie or similar identifiers, and information about website performance and interactions.

3. How we use information

Money Fit may use information to:

• Respond to questions and requests.
• Provide credit counseling, educational resources, account support, and other requested services.
• Review information submitted for a counseling session or an available program.
• Schedule appointments and communicate about a request, service, account, or relationship with Money Fit.
• Operate, maintain, secure, troubleshoot, and improve the website and online services.
• Measure website use and understand which information is helpful to visitors.
• Maintain business, compliance, quality-assurance, and transaction records.
• Detect or prevent misuse, fraud, security incidents, or other harmful activity.
• Comply with applicable laws, regulations, legal processes, contracts, and regulatory obligations.
• Use or publish feedback, reviews, or testimonials when authorized.

4. How information is disclosed

Money Fit does not sell or rent personal information or consumer leads. We do not deploy personalized-advertising or remarketing tags on this website.

We may disclose information in the following limited circumstances:

• Service providers: Vendors that support website hosting, forms, communications, analytics, security, recordkeeping, scheduling, and other operational functions may process information for Money Fit.
• Requested financial services: When you request or enroll in a service, information may be disclosed to participating creditors, payment or processing providers, or other parties as reasonably necessary to provide that service and as permitted by applicable agreements and law.
• At your direction: We may disclose information when you request, authorize, or consent to the disclosure.
• Legal and safety purposes: Information may be disclosed when reasonably necessary to comply with law, regulation, legal process, regulatory oversight, or a lawful request, or to protect rights, safety, property, systems, or the public.
• Organizational changes: Information may be transferred as part of a merger, reorganization, financing, asset transfer, or similar organizational transaction, subject to applicable law.

Service providers process information to support the services they provide to Money Fit and are subject to their agreements and applicable law.

5. Cookies, website logs, and analytics

Money Fit and its service providers use cookies, similar technologies, and standard server logs to operate and secure the website, remember preferences where available, diagnose performance, and understand how visitors use the site.

We use Google Analytics 4 to measure website traffic and interactions, and Google Tag Manager to manage approved website tags. These tools may process information such as IP address, device and browser information, referring pages, page activity, approximate location, and cookie or similar identifiers.

Money Fit does not deploy personalized-advertising or remarketing tags on this website. You can manage cookies through your browser settings and any privacy controls made available on the website. Blocking some technologies may affect how parts of the website function.

6. Email, telephone, and text communications

If you provide contact information or ask Money Fit to contact you, we may respond by email, telephone, or text message as appropriate to your request and as permitted by law. Communications may include requested information, appointment details, service messages, or account-related information.

Telephone calls may be monitored or recorded for quality assurance, training, documentation, and compliance purposes. When notice or consent is required, it will be provided through the applicable call, form, or communication process.

You may ask us to stop optional communications or use the unsubscribe or other preference instructions included in a message. Money Fit may still send service-related or legally required communications when appropriate. This Privacy Policy describes our practices; it is not itself consent to receive marketing calls or text messages.

7. Retention and security

How long we keep information

Money Fit retains information for as long as reasonably necessary for the purposes described in this policy, including providing requested services, maintaining appropriate business and client records, meeting contractual or regulatory obligations, resolving disputes, protecting security, and enforcing agreements. Retention periods vary based on the type of information and the reason it was collected.

How we safeguard information

We use reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, loss, misuse, alteration, or disclosure. No website, transmission method, or storage system can be guaranteed completely secure. Please use care when deciding what information to send online.

8. Your privacy choices and requests

Depending on where you live and the law that applies, you may have the right to request access to, correction of, deletion of, or a copy of certain personal information. You may also have rights concerning particular disclosures, processing activities, appeals, or the use of an authorized agent.

To make a privacy request, email [email protected] or call 800-432-0310. Please describe your request and provide enough information for us to identify the relevant records. We may need to verify your identity or an authorized agent's authority before completing a request.

Some information may be retained or a request may be limited when permitted or required by law, including for regulatory records, existing service obligations, security, fraud prevention, legal claims, or another applicable exception. Where required by law, Money Fit will not discriminate against you for exercising a privacy right.

9. Children's educational use

Some Money Fit educational courses and materials may be suitable for children under 13 when used with a parent or guardian or under appropriate school supervision. These educational materials are not designed to require or collect a child's name, contact information, account or login information, course progress, quiz responses, or other personal information.

The educational pages use the same limited website analytics described in this policy. Money Fit does not use separate child-focused analytics, personalized advertising, or remarketing tags on those pages.

Children under 13 should not submit personal information through Money Fit's general contact forms, counseling applications, question forms, or communication tools. A parent, guardian, or appropriately authorized school should supervise use of the educational materials and submit any necessary communication on the child's behalf.

If you are a parent or guardian and believe that a child under 13 has submitted personal information to Money Fit, contact us at [email protected]. We will review the request and take appropriate steps, including deletion when required.

10. Third-party websites and services

The Money Fit website may link to or embed websites, tools, videos, forms, or services operated by other organizations. Their privacy practices are governed by their own notices and policies. Review those policies before providing information directly to a third party.

11. Changes to this policy

Money Fit may revise this Privacy Policy when its practices, services, or legal obligations change. When the policy is materially revised, we will update the effective date below and provide additional notice when appropriate or required by law.

12. Contact Money Fit about privacy

For privacy questions, requests, or concerns, contact:

• Terms of Use
• State Licenses and Disclosures
• Contact Money Fit

Effective date: August 11, 2026