Forage Credit Relief

Forage Credit Relief ("Forage," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy describes how we collect, use, share, and protect your information when you visit foragecreditrelief.com (the "Site") or submit a request for information about debt consolidation, personal loan, credit, or related financial products (collectively, the "Services").

By using the Site or submitting information through our forms, you consent to the practices described in this Privacy Policy.

1. About Forage Credit Relief

Forage Credit Relief is a consumer information and marketing service. We are not a lender, creditor, debt settlement company, credit counseling organization, or financial advisor. We operate an online marketplace that connects consumers interested in debt consolidation and personal loan products with participating lenders, lead aggregators, financial service providers, and marketing partners (collectively, "Participating Partners").

Forage does not make credit decisions, originate loans, or extend credit. All credit, loan, and financial decisions are made solely by Participating Partners based on their own criteria.

2. Information We Collect

We collect the following categories of information:

2.1 Information You Provide

When you fill out a form on the Site, you may provide:

Identifiers: First name, last name, date of birth, email address, mailing address, telephone number
Financial information: Estimated total unsecured debt, debt types (credit cards, personal loans, medical bills, etc.), employment status, monthly gross income, credit score range (self-reported), home ownership status
Consent information: Your affirmative consent to be contacted by Forage and Participating Partners, and the timestamp and circumstances under which such consent was given

2.2 Information Collected Automatically

When you visit the Site, we automatically collect:

Device and usage information: IP address, user agent (browser and operating system), device type, screen size, referring URL, landing page URL, pages viewed, interaction with forms, and time and date of visit
Marketing attribution: UTM parameters (utm_source, utm_medium, utm_campaign, utm_content, utm_term), click IDs, and other referral identifiers
Cookies and similar technologies: Session cookies, persistent cookies, pixels, web beacons, and local storage (see Section 9, "Cookies and Tracking Technologies")

2.3 Information from Third Parties

We may receive information about you from:

ActiveProspect TrustedForm: A session-level certification URL (xxTrustedFormCertUrl) that documents your interaction with our forms, including the timing and circumstances of your consent. This record is stored by ActiveProspect and used by Forage and Participating Partners to verify consent compliance with applicable law.
Marketing partners, lead networks, advertising platforms, and publishers who may refer you to the Site
Service providers who assist with analytics, fraud prevention, and identity verification

3. How We Use Your Information

We use the information we collect to:

Respond to your request for information about debt consolidation, personal loans, and related financial products
Share your information with Participating Partners who may offer products or services that match your profile
Operate, maintain, and improve the Site and Services
Personalize your experience and display relevant offers
Communicate with you (including via email, telephone, SMS text messaging, and pre-recorded or artificial voice messages) when you have provided consent
Verify the accuracy of the information you have submitted
Prevent fraud, investigate suspicious activity, and enforce our Terms of Service
Comply with legal obligations, respond to lawful requests from government authorities, and defend legal claims

4. How We Share Your Information

4.1 With Participating Partners

When you submit a form and provide your express written consent, we share your information with one or more Participating Partners so they may contact you directly with offers and information about debt consolidation, personal loans, credit products, insurance, and related financial services. Participating Partners may include banks, non-bank lenders, lead aggregators, comparison platforms, debt resolution companies, credit services, and marketing networks.

A current list of Participating Partner categories is available at foragecreditrelief.com/partners. This list is updated from time to time.

Once your information is shared with a Participating Partner, that partner's own privacy policy and data practices govern its use of your information.

4.2 With Service Providers

We share information with third-party service providers that support our business, including web hosting, database hosting, email delivery, analytics, marketing attribution, consent verification (including ActiveProspect / TrustedForm), fraud prevention, and customer support. These providers are contractually required to use your information only for the purposes of providing services to Forage.

4.3 For Legal and Safety Reasons

We may disclose your information when we believe in good faith that disclosure is necessary to: (a) comply with applicable law, regulation, legal process, or government request; (b) enforce our Terms of Service; (c) detect, prevent, or address fraud, security, or technical issues; (d) protect the rights, property, or safety of Forage, our users, or others.

4.4 In a Business Transfer

If Forage is involved in a merger, acquisition, financing, reorganization, bankruptcy, or sale of all or a portion of our assets, your information may be transferred as part of that transaction. We will provide notice on the Site before your information is transferred and becomes subject to a different privacy policy.

4.5 Sale or Sharing of Personal Information

Some of our sharing practices may constitute a "sale" or "sharing" of personal information under certain state privacy laws, including the California Consumer Privacy Act. See Section 10 for your rights and how to exercise them.

5. TCPA and Consent to Be Contacted

When you check the consent box on our form and submit your information, you provide express written consent for Forage Credit Relief and Participating Partners to contact you at the telephone number(s) and email address(es) you provided, including via automatic telephone dialing systems, artificial or pre-recorded voice, SMS text messages, ringless voicemails, and email, for purposes of marketing debt consolidation, loan, credit, insurance, and related financial products.

Consent is not a condition of purchase. You are not required to consent in order to obtain any goods or services.
Message and data rates may apply to text messages and data usage.
You can revoke consent at any time by: (a) replying STOP to any SMS message; (b) following the unsubscribe instructions in any marketing email; (c) contacting the specific sender directly to request removal; or (d) contacting Forage at privacy@foragecreditrelief.com.
Revoking consent with Forage does not automatically revoke consent with Participating Partners who have already received your information; you must contact each Participating Partner separately.

6. Credit Inquiries

Some Participating Partners may perform a soft credit inquiry to show you estimated rates or eligibility. Soft inquiries do not affect your credit score and are not visible to other lenders reviewing your credit report.

If you choose to formally apply for a loan or credit product with a Participating Partner, that Partner may perform a hard credit inquiry, which may affect your credit score. Hard inquiries are performed by the Participating Partner, not by Forage, and are subject to that Partner's disclosures and your separate authorization.

7. FCRA Disclosure

Forage does not pull, furnish, or otherwise access information from consumer reporting agencies governed by the Fair Credit Reporting Act (FCRA). Any consumer reports, credit reports, or credit scores obtained in connection with products or services offered through Participating Partners are obtained by those Partners directly, subject to their own FCRA disclosures and your separate authorization.

8. Information We Do Not Collect

Forage does not request or collect on its own forms:

Social Security Numbers
Bank account numbers, routing numbers, or check images
Credit or debit card numbers
Driver's license numbers or government-issued ID numbers
Passwords or account credentials

If you are asked for any of the above on a page that claims to be operated by Forage, do not provide the information and contact us at privacy@foragecreditrelief.com.

9. Cookies and Tracking Technologies

We and our service providers use cookies, pixels, web beacons, local storage, and similar technologies to:

Remember your session and preferences
Measure form completions and conversions
Serve relevant advertisements on third-party platforms (including Meta, Google, and other advertising networks)
Analyze traffic and user behavior through services such as Google Analytics

You may control cookies through your browser settings. Most browsers allow you to refuse or delete cookies. Refusing cookies may affect the functionality of the Site.

Some browsers transmit "Do Not Track" (DNT) signals. Because no industry standard has been finalized for DNT, our Site does not currently respond to DNT signals. Where required by state privacy law, we honor Global Privacy Control (GPC) signals as opt-out requests for sale and sharing of personal information.

10. Your State Privacy Rights

Depending on your state of residence, you may have one or more of the following rights regarding your personal information.

10.1 California Residents (CCPA / CPRA)

If you are a California resident, you have the right to:

Know what categories and specific pieces of personal information we have collected about you
Delete personal information we have collected from you, subject to certain exceptions
Correct inaccurate personal information we maintain
Opt out of the sale or sharing of your personal information
Limit the use and disclosure of sensitive personal information
Non-discrimination — we will not deny services, charge different prices, or provide a lower quality of service because you exercised a privacy right

To exercise these rights, email privacy@foragecreditrelief.com with the subject line "California Privacy Request," or use our opt-out page at foragecreditrelief.com/do-not-sell.

10.2 Residents of Virginia, Colorado, Connecticut, Utah, and Other States

Residents of states with applicable comprehensive privacy laws may have similar rights, including the right to access, delete, correct, and opt out of targeted advertising or the sale of personal information. To exercise these rights, email privacy@foragecreditrelief.com.

We will verify your identity before fulfilling your request. You may authorize an agent to submit requests on your behalf; we will verify the agent's authority before processing the request.

11. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, to comply with legal and regulatory obligations (including TCPA consent records), to resolve disputes, and to enforce our agreements. Consent records (including TrustedForm certifications) are retained for a minimum of five (5) years from the date of consent, consistent with industry standards for regulated marketing activity.

12. Security

We use commercially reasonable administrative, technical, and physical safeguards to protect your information, including TLS encryption for data in transit, access controls for stored data, and regular review of our security practices. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security.

13. Children's Privacy

The Services are intended for adults age 18 and older. Forage does not knowingly collect information from children under the age of 18. If you believe we have inadvertently collected information from a child, please contact us at privacy@foragecreditrelief.com and we will promptly delete the information.

14. Third-Party Links

The Site may contain links to third-party websites, including Participating Partners. Forage is not responsible for the privacy practices or content of third-party sites. We encourage you to review the privacy policies of each site you visit.

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. If we make material changes, we will provide additional notice by posting a prominent notice on the Site or emailing users who have provided a valid email address. Your continued use of the Site after changes take effect constitutes acceptance of the revised Privacy Policy.

16. Contact Us

If you have questions about this Privacy Policy, your personal information, or wish to exercise any of your rights, contact us:

Forage Credit Relief
Email: privacy@foragecreditrelief.com
For legal and compliance matters: legal@foragecreditrelief.com
Website: foragecreditrelief.com

This Privacy Policy applies to foragecreditrelief.com and the Services described above. It does not apply to the privacy practices of Participating Partners, advertising networks, or other third parties.