Privacy Policy

Effective October 12, 2026 · Last updated October 14, 2026

The short version is a summary. The full policy below is what counts.

Contents

1. Who we are
2. What we collect
3. How we use it
4. Who we share it with
5. Financial offers and partners
6. Marketing: email, calls and texts
7. Cookies and analytics
8. Your choices and rights
9. Extra rights by state
10. Federal financial privacy
11. How we protect it
12. How long we keep it
13. Children
14. Changes to this policy
15. Contact us

1. Who we are

Financial Pack is run by TLC Collective, LLC, a Utah limited liability company ("Financial Pack," "we," "us"). This policy covers FinancialPack.com, our emails, and any apps, tools, videos or other services that link to it (together, the "Services").

Financial Pack is an education and entertainment brand. We explain money topics and, in time, help people compare financial products from other companies. We are not a bank, lender, broker or financial advisor, and we don't make credit decisions.

2. What we collect

Information you give us

• Contact details: your email address, and later possibly your name, phone number and ZIP code.
• Financial details you choose to share so we can show you options, such as how much debt you have and what kind, your rough income, your credit score range, what you want a loan for, or details about your car or home. You decide what to share.
• Account details, if we offer accounts later, like your login email and settings.
• Purchase details, if we sell our own products later. Payments are handled by a payment company; we don't see or store your full card number.
• Messages you send us, survey answers and feedback.
• Stories you send us through our story form: your story, your email and, if you give it, your first name or nickname. We use them to read your story, to email you and ask permission before it's used on the show, and, if you say yes, to make an episode with names and details changed.

Information collected automatically

• Device and usage data: your IP address, browser and device type, the pages you visit, how long you stay, the site that sent you, and rough location (city or region) based on your IP address.
• Email data: whether our emails were delivered, opened or clicked.
• Cookies and similar tools. See Cookies and analytics.

Information from other companies

• From partners: whether you clicked an offer, applied, or were approved, so we know which offers help people and so we get paid correctly.
• With your permission only: if a future tool offers personalized rates, a partner may check your credit with a "soft" inquiry, which doesn't affect your credit score. We'll always ask first.

What we don't ask for: we don't ask for your Social Security number, bank account numbers, card numbers or passwords to other services. If a lender needs them, you give them to the lender directly on its own site, under its own privacy policy.

3. How we use it

• To run the Services, like sending the newsletter you signed up for and answering your messages.
• To show you financial products that may fit what you told us, when you ask us to.
• To send you marketing, including offers from partners, only if you've agreed (see Marketing).
• To understand what's working, fix problems, and improve our videos, site and tools.
• To sell and deliver our own products and services, if we offer them.
• To track which partner offers people use, so we get paid. This is how Financial Pack stays free.
• To prevent fraud and abuse, keep the Services secure, and follow the law.

We may combine information we collect. We may also create anonymous or grouped data that doesn't identify you, and use it for any purpose.

4. Who we share it with

5. Financial offers and partners

• When you click an offer, you go to the partner's own site. Its privacy policy and terms apply there, not ours. Read them before you apply.
• If you ask us to match you with offers or have partners contact you, we send them the information needed to do that, such as your contact details and the financial details you gave us. We'll tell you clearly when this is happening, and we'll ask before we share.
• Partners may pay us when you click, apply or are approved. That never changes what our characters say on the show, and we don't promise you'll be approved or get a certain rate.
• Once a partner has your information, it handles it under its own privacy policy. Contact that partner directly to change or delete what it holds.

6. Marketing: email, calls and texts

Email

If you join our list, we'll email you about Financial Pack, including new episodes, guides and, if you agree, financial offers from us and our partners. Every marketing email has an unsubscribe link. You can also email info@financialpack.com. We may still send you messages you need, like receipts or account notices.

Calls and texts

We'll only call or text you for marketing if you give us your phone number and agree in writing, for example by checking a box that says so. Calls and texts may use automated technology or prerecorded voices. You never have to agree in order to buy anything or use our free content. Reply STOP to any text to opt out and HELP for help. Message and data rates may apply. Message frequency varies.

We don't sell or share the phone numbers or text-message consent you give us with other companies for their own marketing.

7. Cookies and analytics

Cookies are small files your browser saves. We only turn on analytics and advertising cookies if you click "Accept" in the cookie banner. If you click "Decline," or haven't chosen yet, Google Analytics and the Meta Pixel don't load at all, and the site works the same. You can change your answer anytime with the Cookie choices link at the bottom of every page.

If you accept, we use cookies and similar tools like pixels to:

• Keep the site working, for example remembering that you signed up.
• Measure how the site is used. We use Google Analytics, with Google Signals and ad personalization turned off. You can read how Google uses data at policies.google.com/technologies/partner-sites, and opt out with Google's browser add-on.
• Track partner offers, so a partner knows you came from us.
• Advertising. We use the Meta Pixel, which tells Meta (Facebook and Instagram) when you visit our site or join our list, so we can measure our ads and show them to people who might be interested. Meta may combine this with what it already knows about you under its own privacy policy. You can control this in your Facebook or Instagram ad preferences.

You can block or delete cookies in your browser settings. Some parts of the site may not work without them. We honor the Global Privacy Control (GPC) browser signal as a request to opt out of the "sale" or "sharing" of your information for that browser: if your browser sends it, we treat it as "Decline" and don't load analytics or advertising tools. Many browsers send a "Do Not Track" signal, but there's no common standard for it, so we treat GPC as the signal we respond to.

8. Your choices and rights

• Stop marketing: click unsubscribe, reply STOP to texts, or email us.
• See, fix or delete your information: email info@financialpack.com from the address you signed up with. We'll confirm it's you, then respond within 45 days. If we need more time, we'll tell you why.
• Opt out of "sale," "sharing" and targeted ads: click "Decline" in the cookie banner (or Cookie choices), turn on Global Privacy Control in your browser, or email us with the subject "Do Not Sell or Share."
• No retaliation: we won't treat you differently for using your privacy rights.

You can let someone else make a request for you (an "authorized agent") if you give them written permission. We may ask you to confirm your identity.

9. Extra rights by state

Depending on where you live, including California, Colorado, Connecticut, Utah, Virginia, Texas, Oregon and other states with privacy laws, you may have the right to:

• Know what personal information we have about you and how we got it, used it and shared it.
• Get a copy of it in a usable format.
• Correct it.
• Delete it, with some legal exceptions.
• Opt out of the "sale" of your information, "sharing" for cross-context behavioral advertising, targeted advertising, and certain profiling.
• Limit our use of "sensitive" information. We only use sensitive information, like detailed financial information, to give you what you asked for.
• Appeal if we turn down your request. Reply to our decision with "Appeal" in the subject line. If you're still unhappy, you can contact your state attorney general.

"Sale" and "sharing": some state laws use these words broadly. When you ask us to send your information to a partner who pays us, or when advertising or analytics cookies run on our site, that may count as a "sale" or "sharing" under those laws, even though no one hands us cash for a list of names. You can opt out as described above. We don't knowingly sell or share the information of anyone under 18.

For California residents

Today, we collect your email address and the website usage data described in section 2. As the Services grow, we may collect these categories of personal information: identifiers (like your email and IP address), customer records (like contact details), commercial information (like offers you viewed or products you bought), internet activity, rough location, financial information you chose to share, and inferences about which products might interest you. We collect them from the sources and for the purposes in sections 2 and 3, and disclose them to the recipients in section 4. Under California's "Shine the Light" law, you can ask once a year whether we've shared your personal information with other companies for their direct marketing.

10. Federal financial privacy

If we ever help you apply for a financial product in a way that makes us subject to the federal Gramm-Leach-Bliley Act, some of your information will also be covered by that law. Where it applies, we'll give you any required privacy notice and follow it.

11. How we protect it

We use reasonable safeguards, like encrypted connections (HTTPS), limited access, and trusted service providers. No system is perfectly secure, so we can't promise your information will never be accessed without permission. If a breach affects you, we'll tell you as the law requires.

12. How long we keep it

We keep your information while you're on our list or using the Services, and afterward only as long as we need it for the reasons in this policy, such as keeping records of your consent, paying partners, or following the law. Then we delete it or make it anonymous. If you unsubscribe, we keep your email on a "do not contact" list so we don't email you again by mistake.

13. Children

Financial Pack is for adults 18 and older. The characters are cartoons, but the decisions are grown-up ones. We don't knowingly collect information from anyone under 18. If you think a child gave us information, email us and we'll delete it.

14. Changes to this policy

We'll update this policy as Financial Pack grows, for example when we add new tools, partners or products. We'll change the "Last updated" date at the top. If we make a big change in how we use or share your information, we'll tell you by email or on the site before it takes effect, and ask for your permission where the law requires.

15. Contact us

TLC Collective, LLC (Financial Pack)
Email: info@financialpack.com