Is Change Financial Network a loan?

No. changeFN connects you with third-party providers who may be able to help resolve unmanageable debt. We are not a lender, and we are not the provider.

How much does Change Financial Network cost?

changeFN's assessment is free. If you choose to enroll with a provider, they will walk you through any costs clearly and up front before you decide anything.

Will debt resolution affect my credit?

Debt-resolution programs may affect your credit. Your matched provider will explain the real tradeoffs honestly so you can make an informed choice.

Is my information private with Change Financial Network?

Your assessment is confidential. By submitting your information, it may be shared with one or more third-party providers who may contact you about their services. See the Privacy Policy for details.

Privacy Policy

Effective date: [Effective Date]

changeFN LLC ("Change Financial Network," "we," "us," or "our") operates this website. changeFN LLC is a marketing and lead-generation service. We are not a debt-settlement or debt-resolution provider, lender, credit repair organization, credit counseling agency, law firm, or financial, legal, tax, or investment advisor. We help connect consumers with third-party debt-resolution providers ("Providers"). A central part of our service is sharing the information you submit with one or more Providers so they can contact you about their services.

Information We Collect

Information you provide (name, email, phone, state, approximate debt amount, optional message); information collected automatically via cookies and similar technologies (IP address, device/browser type, pages viewed, general location); and information we may receive from advertising, lead, or analytics sources.

How We Use Information

To respond to your request and connect you with Providers; to contact you (and have Providers contact you) about debt-relief services; to operate, maintain, improve, and market the Site; to prevent fraud; and to comply with law.

How We Share Information

With Providers and marketing partners who may contact you about their services (once shared, a Provider's use of your information is governed by its own privacy policy); with service providers acting on our behalf; for legal reasons; and in connection with a business transfer. We may be compensated when we refer you to a Provider.

Marketing Communications and Your Choices

By submitting your information you authorize changeFN LLC and its Providers/partners to contact you at the number and email provided, including by automated dialing technology, prerecorded/artificial voice, and text — even if your number is on a Do Not Call list. Consent is not a condition of purchase. You may withdraw consent (reply STOP to texts; email [privacy@changefn.com] for our internal do-not-call list; unsubscribe from emails).

Cookies

We and our partners use cookies and similar technologies to operate the Site, measure performance, and support advertising. [List specific analytics/ad tools.] Manage cookies via your browser.

Your Privacy Rights

California (CCPA/CPRA) residents may have rights to know, delete, correct, and opt out of the "sale" or "sharing" of personal information — and our sharing of leads with Providers may be considered a "sale" or "sharing." To exercise rights or opt out, contact [privacy@changefn.com] or use [Do Not Sell or Share My Personal Information link]. Residents of other states with privacy laws may have similar rights.

Data Retention; Security

We retain information as needed for the purposes above and to meet legal obligations [confirm periods], and use reasonable safeguards, though no system is perfectly secure.

Children

The Site is for adults 18+ and is not directed to children.

Third-Party Sites

We are not responsible for the privacy practices of Providers or other linked sites.

Changes; Contact

We may update this Policy and will post a new effective date. Contact: changeFN LLC, 8 The Green, Dover, DE 19901; [privacy@changefn.com].