★★★★★ G
“Their expertise and support were invaluable. Highly recommend!”
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Kendrick B.
Your Options
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✓ See your options without impacting your credit score
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Get Accepted in minutes — in three simple steps
01
Your Amount Desired
Answer a few secure questions about your requested amount and contact details.
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A specialist reviews your request and identifies available options.
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Choose the plan that works for your situation and goals.
Real people. Real relief.
Trusted by people taking control of their finances.
Verified 5-star Google reviews from real Liberty 1 Financial clients.
★★★★★ G
“Very good service and price.”
RR
Robin R.
★★★★★ G
“15 years of integrity and respect. Quick application, multiple offers to choose from, and the team walks you through closing the loan.”
MR
Mark R.
★★★★★ G
“I was nervous to apply, but the specialist treated me with respect and laid out a plan that actually fit my budget. Smooth from start to finish.”
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Danielle W.
★★★★★ G
“Liberty 1 Financial are the best to work with. Customer service is the best — Gina Bazzi was very helpful with my mortgage. Thank you!”
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Chris S.
★★★★★ G
“Marc and his team analyzed, answered questions and concerns we had throughout the process — faster than the mortgage company we'd been working with, and added cash back into the deal.”
ES
Eric S.
What we can help you simplify
Organized Cash Positive Options
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🏥Medical BillsUnexpected medical debt
💵Personal LoansPersonal loan balances
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Frequently Asked Questions
What interest rates do you offer for personal loans?
At Liberty1 Financial, we offer personal loans with interest rates starting as low as 6.99% APR. However, it's important to understand that the rate you qualify for is based on several personal factors. We look at your credit profile, income, debt-to-income ratio, and overall financial situation—not just your credit score. Our goal is to offer fair, transparent rates that match your unique circumstances. When you reach out to us, we'll explain your specific rate and how it compares to your existing debts, so you can see the potential savings upfront.
Will checking my loan eligibility affect my credit score?
At Liberty1 Financial, we don't believe your credit score should define your future. We specialize in working with clients across the credit spectrum, including those with fair, poor, or limited credit histories. Our approach is to look at the bigger picture—your income, your ability to repay, and your overall financial goals. So even if your score isn't where you'd like it to be, you still have options with us.
Are there any origination fees or prepayment penalties?
No, it won't. When you check your eligibility or go through our prequalification process, we only perform a soft credit inquiry. This means we can assess your loan options without impacting your credit score. A hard credit pull would only happen if you decide to move forward with a loan offer. We believe you should be able to explore your options without worry.
What happens after I submit the form?
We're committed to transparency. Any applicable origination fees will be clearly disclosed before you accept a loan offer. As for prepayment, we never penalize you for paying off your loan early. In fact, we encourage it if you're able to do so—it can save you money on interest. Our goal is to help you regain control of your finances, not keep you in debt longer.
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See My OptionsTerms and Conditions
Effective: 01/02/2026
Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
Liberty1 Financial provides “The User” with access to its content, resources, tools for communication, public forums, commerce platforms, and other services through its network of websites, “The Service.” Liberty1 Financial provides its service to the user, subject to the following Terms of Service.
Liberty1 Financial is not responsible for providing you access facilities or equipment (in any form) to its service. You, “The User,” by using this website, and by completing the registration process and clicking the “Submit” button, comprehend and agree that “The Service” may include advertisements and sponsorships and that these are necessary for Liberty1 Financial to provide “The Service.” You also comprehend and agree that Liberty1 Financial makes no representations or warranties about the suitability, reliability, availability, timeliness, and accuracy of the information, products, services and related graphics contained within “The Service” for any purpose. “The Service” is provided “as is” without warranty of any kind. Liberty1 Financial hereby disclaims all warranties and conditions with regard to “The Service.”
Liberty1 Financial helps consumers obtain unsecured consumer loans, typically used to pay off credit card or other consumer debt, by matching them with third-party lending partners. We market and advertise this loan-matching service only; we do not market or advertise debt settlement services, and we do not use information obtained under a firm offer of credit to solicit debt settlement services. If your loan application is not approved by a lending partner, or you decide not to proceed with a loan offer, we may, only after that process has concluded, discuss other options with you, which can include referring you to a third-party debt settlement company.
The Service is subject to this Terms & Conditions, the Legal Disclaimer, and the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement described below.
Acknowledgment and Acceptance of Terms of Service
“The Service” is provided to you, “The User,” under these terms and conditions and any amendments thereto, and any operating rules or policies that may be published from time to time by Liberty1 Financial as part of the Terms of Service, Legal Disclaimer, and related disclosures, which are cumulatively included herein by reference. This also includes the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement described in the section below, which is a separate, freestanding agreement that is also incorporated into, and made part of, this Terms & Conditions by this reference. The Liberty1 Financial Terms of Service, together with those incorporated documents, comprises the entire agreement between “The User” and Liberty1 Financial and supersedes any prior agreements pertaining to the subject matter contained herein. By completing the registration process and clicking the “Submit” button, you are agreeing to be bound by the Liberty1 Financial Terms of Service, the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement, and the Legal Disclaimer.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT, TO HAVE A JURY DECIDE YOUR CLAIM, AND TO PARTICIPATE IN A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.
Dispute Resolution; Binding Arbitration; Class Action Waiver; Jury Trial Waiver
This section is legally binding and affects your rights. Except as described below, you and Liberty1 Financial agree that any dispute, claim, or controversy arising out of or relating in any way to your use of the Service, your inquiry or application for a consumer loan through us, any debt settlement referral discussed with you after that loan process concluded, this Terms & Conditions, or the relationship between you and us (a “Dispute”) will be resolved by binding, individual arbitration under the Federal Arbitration Act, and not in court, except that either party may bring an individual action in small-claims court.
Jury Trial Waiver. You and Liberty1 Financial each waive the right to a trial by jury for any Dispute.
Class Action and Representative Action Waiver. You and Liberty1 Financial each waive the right to participate in a class action, collective action, or private attorney general or other representative action, in court or in arbitration, and the right to have a Dispute arbitrated on a class or representative basis. Neither you nor Liberty1 Financial may join or consolidate a Dispute with a dispute brought by anyone else.
How to opt out. You may opt out of this section by sending a signed, written notice (not electronic) within 60 calendar days of first using the Service, providing your information to us, or applying for our products or services, to: Liberty1 Financial, Attn: Legal/Compliance, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288. Include your name, mailing address, phone number, email address, and a statement that you are opting out of this section. Opting out of this section does not affect any other part of this Terms & Conditions or any other agreement between you and us.
What is not covered. This section does not require arbitration of, and does not waive your right to a jury trial or to participate in a class action for, any claim seeking public injunctive relief that cannot lawfully be waived under the law of the state where you reside; that claim will proceed in court, while any individual claims for damages or other individual relief between you and us are arbitrated. Disputes about the validity, enforceability, or scope of this section, or of the class action and representative action waiver, will be decided by a court, not an arbitrator.
Full agreement controls. This section summarizes, and is governed in full by, our separate Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement, which contains the complete terms, including the identity of the arbitration administrator, the process for starting an arbitration, fee allocation, and hearing location, and which is incorporated into this Terms & Conditions by reference. If this section and that Agreement conflict, that Agreement controls. You may request a copy of that Agreement at any time using the contact information at the end of this Terms & Conditions.
Severability. If a court rules that any part of the class action or representative action waiver in this section is unenforceable as applied to a particular claim, that specific waiver will be severed as to that claim only, and the remainder of this section, including the requirement of individual arbitration for all other claims, will continue to apply. This section otherwise incorporates the severability provisions of the Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement.
Governing Law and Venue
This Terms & Conditions, and any Dispute not subject to arbitration under the section above, will be governed by the laws of the State of Arizona, without regard to its conflict of laws principles, and, for the arbitration and class action waiver provisions specifically, by the Federal Arbitration Act. Any Dispute properly brought in court, meaning a small-claims matter or a claim for public injunctive relief described above, will be brought in the state or federal courts located in Maricopa County, Arizona, unless applicable law requires otherwise.
Modification of These Terms of Use
Liberty1 Financial reserves the right to change any of the terms, conditions, and notices under which “The Service” is offered. You are responsible for regularly reviewing these terms and conditions, including changes or modifications, if any, incorporated by us from time to time. Your continued use of “The Service” constitutes your agreement to all such terms, conditions, and notices.
Modification to “The Service”
Liberty1 Financial reserves the right to modify or discontinue, temporarily or permanently, “The Service” (or any part of “The Service”) with or without notice to “The User” at any time. “The User” agrees that Liberty1 Financial shall not be liable to “The User” or any third party for any modification or discontinuance of the Service.
User Conduct
“The Service” may include e-mail services, message boards, chat areas, newsgroups, forums, communities, and/or other message or communication facilities designed to enable you to communicate with others (collectively, “Tools for Communication”). You agree to use the Tools for Communication only to post, send, and receive messages and material that are proper and, when applicable, related to the particular Tool for Communication. You also hereby agree that you shall not make use of “The Service” for any commercial purpose, including reselling and/or co-branding or private labeling.
As a condition of your use of “The Service,” you, “The User,” agree to: (a) provide true, accurate, current, and complete information about yourself as required by “The Service's” registration form (such data being the “Registration Information”); (b) maintain and promptly update the Registration Information to keep it accurate, current, and complete. If you provide any information that is untrue, inaccurate, not current, or incomplete, Liberty1 Financial has the right to terminate the user account and refuse any and all current or future use of “The Service”; and (c) grant Liberty1 Financial the right to use and disclose the aggregate registration information to third parties in connection with marketing of services, subject to the Privacy Policy. You have also consented to Liberty1 Financial's right to use your registration information to provide targeted advertising and other service offers. This could also be used to customize the content you see, to fulfill your requests for certain products and services, and to contact or inform you through e-mail or otherwise about special offers or new products.
Usage Obligations
As a condition of your use of “The Service,” you must not use “The Service” for any illegal purpose. You will be solely responsible for the contents of transmissions made by you through “The Service.”
You agree not to use “The Service” to: (a) obstruct or hinder the use and enjoyment of “The Service” by other users; (b) violate any applicable local, state, national, or international law or regulation; (c) impersonate any person or entity, or falsely state or otherwise misrepresent your affiliation with a person or entity; (d) interfere with or disrupt “The Service” or servers or networks connected to “The Service,” or defy any requirements, regulations, or guidelines of networks connected to “The Service”; (e) transmit or otherwise make available any material in connection with surveys, chain letters, junk e-mail, spamming, contests, pyramid schemes, or any duplicative or unsolicited messages, commercial or otherwise; (f) upload, post, e-mail, transmit, or otherwise make available any content that is unlawful, damaging, intimidating, hostile, offensive, harassing, defamatory, improper, obscene, vulgar, invasive of another's privacy, or ethnically or otherwise objectionable; (g) upload, post, e-mail, transmit, or otherwise make available any content protected by any patent, trademark, copyright, or other intellectual property law unless you own or control the rights or have received all necessary consents; (h) upload files that contain viruses, worms, corrupted files, or any other similar software or programs designed to disrupt, damage, or limit the operation of any computer or telecommunications equipment or property of another; (i) “stalk” or otherwise harass other users, or collect or store personal data about other users; (j) advertise, promote, or offer to sell or buy any goods or services for any business purpose unless “The Service” specifically allows such messages or transactions; (k) reproduce, duplicate, copy, sell, resell, or exploit for any commercial purpose any portion, use, or access of “The Service”; (l) violate the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or any other law; or (m) conduct any activity that would aid or assist terrorism or related activity or would endanger U.S. military personnel.
Liberty1 Financial has no obligation to observe and monitor “The Service.” However, Liberty1 Financial reserves the right to review materials posted and to remove any material. Liberty1 Financial also reserves the right to terminate your access to any or all of “The Service,” at any time, without notice, for any reason.
Liberty1 Financial reserves the right, subject to attorney-client privilege to the extent applicable and to the extent the same is not waived through these provisions, at all times to divulge any information as it considers necessary to satisfy any applicable law, regulation, legal process, or governmental request, or to edit, refuse to post, or remove any information or materials, in whole or in part. This applies most directly to the publicly accessible areas of “The Service” that are intended to be available to the general public, such as message boards and chat rooms open to both registered users and visitors.
Given the global nature of the World Wide Web, “The User” understands and agrees that technical processing of Tools for Communication is, and may be, required to send and receive messages, to correspond or conform to the technical requirements of connecting networks, to correspond or conform to the limitations of “The Service,” or to correspond or conform to other similar technical requirements.
User Account, Password Security
As part of “The Service's” registration process, you will provide us with current, complete, and accurate information as requested by the registration form. You will then choose a username and password. You take total responsibility for maintaining the confidentiality of your password and account. You are also entirely responsible for any and all activities that occur under your account. You agree to notify Liberty1 Financial immediately of any unlawful or unauthorized use of your account or any other security violation. You agree to ensure that you exit from your account at the end of each session. You understand that Liberty1 Financial will not be liable for any loss or damage in any form incurred as a result of unauthorized usage of your account, with or without your knowledge. However, you may be held liable for losses or damages incurred by Liberty1 Financial or a third party as a result of your failure to comply with this clause. You also agree not to use anyone else's account, at any time, without the prior permission of the account holder.
Privacy
Your use of “The Service” is also governed by our Privacy Policy, our Privacy Notice, and, if you are a California resident, our California Privacy Notice, each of which is incorporated into this Terms & Conditions by reference.
Disclaimer
Registration information and certain other information about you are subject to our Disclaimer. For more information, see our Legal Disclaimer.
Limitation of Liability
You expressly understand and agree that, to the extent permitted under applicable law, Liberty1 Financial shall not be liable for any direct, indirect, incidental, special, consequential, or exemplary damages, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses (even if Liberty1 Financial has been advised of the possibility of such damages), resulting from: (i) the use or the inability to use the Service; (ii) the cost of procurement of substitute goods and services resulting from any goods, data, information, or services purchased, obtained, or received, or transactions entered into, through or from the Service; (iii) unauthorized access to or alteration of your transmissions or data; (iv) statements or conduct of any third party on the Service; or (v) any other matter relating to the Service.
Content Provided to the Service
Liberty1 Financial does not claim ownership of the “content” (in the form of data, text, software, music, sound, photographs, graphics, video, messages, or other materials) you provide to Liberty1 Financial, including feedback and suggestions, or post, upload, privately transmit, input, or submit to any Liberty1 Financial site or service for review by the general public. However, by posting, uploading, or making available content or any other material, you grant Liberty1 Financial and its affiliate sites permission to use your submission in connection with the operation of their internet businesses, including, without limitation, the rights to copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate, and reformat your submission, and to publish your name in connection with your submission.
SMS, Auto-Dialed Calls, and AI Voice Assistance
Other than by physical mail, we do not place unsolicited outbound contact to a consumer who has not first taken some affirmative action to reach us. How that works depends on how you came to us.
If you come to us through one of our marketing partners, you will be shown our Terms & Conditions, Privacy Policy, and related disclosures before you click to request that we contact you. Once you click to request contact, our marketing partner's AI voice system may call you to ask whether a Liberty1 representative is available to speak with you now and, if so, connect you; if we are not immediately available, that same AI system may call you again over the following 10 days until you connect with a Liberty1 representative or ask that the calls stop. If you say “stop,” or otherwise ask not to be called again, at any point during any such call, all further calls to you will stop. After 10 days without connecting by phone, we stop calling you and may instead follow up by text message or email, subject to the separate opt-out mechanisms for those channels described below.
If you call us directly and no live representative is available, for example outside business hours, your call may be answered by Libby, Liberty1's virtual agent. Libby will identify herself as Liberty1's virtual agent and let you know no one is immediately available. Libby can help you complete an application by asking you questions, but will not present you with any loan offer, quote a rate or term, or make any representation about your approval; those come only from a live Liberty1 representative or lending partner.
By providing us your phone number, whether directly or through one of our marketing partners, you expressly consent to receive calls from us or our marketing partners using an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated or AI-powered voice assistant, for the purposes described above, even if your telephone number is listed on any state, federal, or corporate Do Not Call list. Consent is not a requirement to purchasing the goods or services that Liberty1 Financial is offering. Where you reach us through a marketing partner's website, that consent, including the disclosures shown to you and the time you agreed to them, may be independently verified and recorded by a third-party consent verification service, and we may receive and retain a certificate of that record. Standard text message rates and cellular data charges apply to any text message you receive. You may stop receiving text messages at any time by replying “STOP,” and you may unsubscribe from our emails at any time using the unsubscribe link in any email we send you; each of those channels is opted out of separately from the others. You may also stop any of the calls described above, or ask to be transferred to a live representative, at any time; we will honor that request and add your number to our do-not-call list, and, where the call was placed by a marketing partner on our behalf, ask that partner to do the same.
Equal Credit Opportunity
Annual percentage rates (APRs) through Liberty1 Financial range from 6.99% to 35.99% APR for first-time borrowers, with the lowest rates offered to the most creditworthy borrowers. Minimum loan amount is $5,000.00. Maximum loan amount is $110,000.00. Eligibility is not guaranteed, and requires that you meet credit and other conditions including: (a) your continuing to meet the criteria for this prescreened offer; (b) your credit report, application and credit history meet our pre-established credit criteria; (c) your monthly debt-to-income ratio (i.e., total monthly debt payments divided by monthly gross income) cannot exceed 50%; and (d) you have been employed for at least one (1) year. Liberty1 Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Electronic Communications
By using our website or applying for our products and services, you agree to receive documents, disclosures, and notices from us electronically, as described in our Consent for Electronic Communications, which is incorporated into this Terms & Conditions by reference. That document also describes SMS terms for account-related text messages, which are separate from, and not a condition of, using our services or agreeing to this Terms & Conditions, and separate from the marketing-call and text consent described above.
Contact Us
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772
Copyright 2008 to 2026 Liberty1 Financial. All Rights Reserved.
Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement
AND ARBITRATION AGREEMENT
This Jury Trial Waiver, Class Action Waiver, and Arbitration Agreement (collectively, this “Agreement”) is between Clear Vision Financial LLC, d/b/a Liberty1 Financial (“Company,” “we,” “us,” or “our”) and the individual using our website, requesting information about our services, applying for a consumer loan or other lending product we offer, or being referred to a debt settlement partner after a loan decision (“you” or “your”). By using our website, providing your personal information for an inquiry, or applying for the products and services we offer, you agree to this Agreement, unless you opt out by the process described below. This Agreement is written in question-and-answer format to make it easier to understand. This Agreement is incorporated by reference into, and itself incorporates by reference, our Terms & Conditions, and is legally binding.
THIS ARBITRATION AGREEMENT DOES NOT APPLY IF (1) YOU ARE A MEMBER OF THE ARMED FORCES OR A DEPENDENT OF SUCH A MEMBER COVERED BY THE FEDERAL MILITARY LENDING ACT AND (2) OUR DISPUTE INVOLVES THE EXTENSION OF CONSUMER CREDIT.
Background and Scope
Question
Short Answer
Further Details
What is arbitration?
An alternative to court.
In arbitration, a neutral third-party arbitrator (“Arbitrator”) resolves Disputes in an informal hearing, usually on an individual basis.
Is it different from court and jury trials?
Yes.
The hearing is private. There is no jury. It is usually less formal, faster, and less expensive than a court lawsuit. Pre-hearing fact-finding is limited. Appeals are limited. Courts rarely overturn arbitration awards.
Can you opt out of this Agreement?
Yes, within 60 days.
If you do not want this Agreement to apply, you must send us a signed notice within 60 calendar days after you first use our website, provide us your personal information, or apply for the products and services we offer. Send the notice in writing (not electronically) to: Liberty1 Financial, Attn: Legal/Compliance, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288. Include your name, physical mailing address, telephone number, and email address, and state that you are opting out of this Agreement. Opting out will not affect any other disclosures, consents, or agreements you entered into with us, and applies only to this Agreement.
What is this Agreement about?
The parties' agreement to arbitrate Disputes.
Unless prohibited by applicable law and unless you opt out, you and we agree that either of us may elect to arbitrate, or require arbitration of, any Dispute (as defined below).
Who does this Agreement cover?
You and Clear Vision Financial LLC, d/b/a Liberty1 Financial.
This Agreement governs you and Clear Vision Financial LLC, d/b/a Liberty1 Financial. It also covers our employees, officers, directors, and agents, but only while acting within the scope of providing you the Service. It does not extend to any other Liberty1-affiliated entity, parent, subsidiary, or commonly owned company unless that entity is separately named as a party to the Dispute and has independently agreed in writing to arbitrate.
What Disputes does this Agreement cover?
Nearly all Disputes between you and us, except certain Disputes about this Agreement itself.
This Agreement governs all “Disputes” that would otherwise be decided in court and that are between you and us. “Disputes” has the broadest reasonable meaning and includes all claims, even indirectly related to your use of our website, your inquiries or application for the products and services we offer, this Agreement, or the relationship between you and us, including our loan-matching programs, any debt settlement referral, past agreements, and privacy and data practices. “Disputes” include initial claims, counterclaims, cross-claims, and third-party claims, and claims based on any constitution, statute, regulation, ordinance, common law rule, contract, or tort, and claims for damages of any type, including injunctive, declaratory, or other equitable relief. It does not include disputes about the validity, enforceability, or scope of this Agreement or of the class action waiver; those are for a court, not an Arbitrator, to decide.
Who handles the arbitration?
Usually the American Arbitration Association (AAA).
Arbitrations are conducted under this Agreement and the rules of the arbitration administrator in effect when the arbitration is started. The administrator will be either: the American Arbitration Association (“AAA”), 120 Broadway, 21st Floor, New York, NY 10271, www.adr.org; or another company picked by written agreement of the parties. If neither option is available, a court with jurisdiction will pick the administrator. No arbitration may be administered without our consent by any administrator that would permit a class arbitration under this Agreement. The Arbitrator must be a lawyer with at least ten years of experience or a retired judge, unless you and we otherwise agree.
Can Disputes be litigated?
Sometimes.
Either party may bring a lawsuit if the other party does not demand arbitration. We will not demand arbitration of any lawsuit you bring as an individual action in small-claims court or an equivalent court, so long as the Dispute remains pending only in that court. Both parties may use lawful self-help remedies, including set-off, and may seek remedies that do not claim money damages, including pre-judgment seizure, injunctions, or equivalent relief.
Are you and we giving up any rights?
Yes.
For any Dispute arbitrated under this Agreement, you and we give up the right to: have a jury decide the Dispute; have a court, other than small-claims court, decide the Dispute; serve as a private attorney general or in a representative capacity in court or in arbitration; join a Dispute with a dispute that someone else has; and bring or be a class member in a class action, in court or in arbitration. The Arbitrator has no authority to conduct any arbitration inconsistent with this section or to issue relief that applies to anyone except you or us individually.
Are you waiving class action rights?
Yes.
COURTS AND ARBITRATORS WILL NOT ALLOW CLASS ACTIONS. If either party elects to arbitrate a Dispute, both parties waive the right to participate in a class action in court or in arbitration, as a representative or a member. You waive the right to bring representative claims, including private attorney general claims to the extent waivable under applicable law. Unless all parties consent in writing, no arbitration may join, consolidate, or bring claims on behalf of two or more individuals or unrelated entities in the same proceeding. No Arbitrator has authority to waive, modify, or decline to enforce this section, and any attempt to do so is invalid. Any challenge to the validity of this section will be decided exclusively by a court, not an Arbitrator or administrator.
Can you or another consumer start a class arbitration?
No.
The Arbitrator may not decide any Dispute on a class or representative basis. You may not pursue, and no Arbitrator may award relief on, any collective or class action against us in arbitration.
Does California or other state law affect this Agreement?
Yes, for certain public injunctive relief claims.
Notwithstanding any other provision of this Agreement, if a claim seeks public injunctive relief that cannot lawfully be waived under the law of the state where you reside, that claim will be decided by a court, not an Arbitrator, and will be stayed pending the outcome of arbitration of any individual claims seeking damages or other individual relief. No award in arbitration will determine the rights of, or bind, anyone other than you or us.
What law applies?
The Federal Arbitration Act (“FAA”).
This Agreement and the products and services we offer involve interstate commerce. The FAA governs this Agreement. The Arbitrator must apply substantive law consistent with the FAA, must honor statutes of limitation and privilege rights, and is authorized to award all remedies permitted by applicable substantive law, including compensatory, statutory, and punitive damages (subject to constitutional limits that would apply in court), declaratory, injunctive, and other equitable relief, and attorneys' fees and costs. If this Agreement conflicts with the administrator's rules, this Agreement governs.
Will this Agreement continue to govern?
Yes, unless you timely opt out.
This Agreement remains effective unless you opt out using the process above, or the parties sign a separate agreement stating otherwise. This Agreement governs if you use our website, provide personal information through an inquiry, apply for our products and services, or enter into an agreement with us, and continues to govern discharge of obligations, including through bankruptcy. It remains effective despite a transaction's termination, amendment, expiration, or performance.
Process
Question
Short Answer
Further Details
What must a party do before starting a lawsuit or arbitration?
Send a written Dispute notice and work in good faith to resolve it.
Before starting a lawsuit or arbitration, the complaining party must give the other party written notice of the Dispute, describing it in reasonable detail with supporting facts. If you are the complaining party, send the notice to: Liberty1 Financial, Attn: Legal/Compliance, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288, or to [email protected] [confirm routing inbox]. Include your name, account number if applicable, and a phone number where you can be reached. Once notice is sent, the parties have 30 days to try to resolve the Dispute on an individual basis before either party may proceed.
How does an arbitration start?
Mailing or delivering a demand.
If the parties do not resolve the Dispute within 30 days after notice, the complaining party may commence a lawsuit or an arbitration, subject to this Agreement. To start an arbitration, the complaining party follows the administrator's rules. If one party begins or threatens a lawsuit, the other party may demand arbitration, including by a motion to compel arbitration. Once an arbitration demand is made, no lawsuit may proceed, and any existing lawsuit must be stayed, unless a court rules otherwise.
Where will any hearing be held?
Reasonably convenient to you.
Any in-person arbitration hearing will take place in the federal judicial district that includes your county of residence at the time the Dispute arose, unless you and we agree to another location, or you prefer to have the hearing at Company's offices in Maricopa County, Arizona. The Arbitrator may decide that an in-person hearing is unnecessary and resolve the Dispute based on written filings or a conference call.
What about appeals?
Very limited.
Appeal rights under the FAA are limited. The Arbitrator's award is final and binding. Any court with jurisdiction may enter judgment on the award. No arbitration award will have preclusive effect on any issue or claim in a dispute involving anyone who was not a party to that arbitration, nor will an award in a prior dispute have preclusive effect in a later arbitration between the parties to this Agreement.
Fees and Awards
Question
Short Answer
Further Details
Who bears arbitration fees?
Usually, we do.
We will pay all filing, administrative, hearing, and Arbitrator fees if you act in good faith, cannot obtain a waiver of those fees, and ask us to pay. We will always pay any amounts required by applicable law, the administrator's rules, or to enforce this Agreement.
When will you cover my legal fees and costs?
If you win.
If you prevail in arbitration, we will pay the reasonable fees and costs of your attorneys, experts, and witnesses, to the extent required by applicable law, the administrator's rules, or to enforce this Agreement. The Arbitrator will not limit an award of these amounts because your Dispute is for a small amount.
Will I ever owe Company's arbitration or attorneys' fees?
Only for bad faith.
The Arbitrator may require you to pay our fees only if the Arbitrator finds you acted in bad faith, measured by the standard in Federal Rule of Civil Procedure 11(b), and only to the extent this does not render the Agreement unenforceable.
Can an award be explained?
Yes.
Either party may request a written explanation from the Arbitrator within 14 days of the ruling. The Arbitrator will determine whether to grant that request.
What happens if part of this Agreement cannot be enforced?
The rest continues to apply.
If any part of this Agreement cannot be enforced, the remainder continues to apply, except that: (A) this Agreement (other than this sentence) will be void if a court rules that the Arbitrator may decide a Dispute on a class basis and that ruling is not reversed on appeal; and (B) if a claim seeks public injunctive relief and a court determines that this Agreement's restriction on relief to third parties is unenforceable as to that claim, the claim for public injunctive relief will be decided in court and any individual claims seeking monetary relief will be arbitrated, with the court proceeding stayed until the arbitration is resolved.
Mass Filings and Batch Procedures
Question
Short Answer
Further Details
What happens if many similar Disputes are filed against us at once?
They are batched and resolved through bellwether cases, not all decided individually at once.
If 10 or more substantially similar Disputes are asserted against us by, or coordinated with, the same law firm, claims aggregator, or affiliated group of law firms within any 60-day period (a “Mass Filing”), this section governs the sequencing, batching, and fee timing of every Dispute within it, notwithstanding anything else in this Agreement. A Mass Filing will be administered under the mass-arbitration or batch-arbitration rules of the administrator handling it, including the American Arbitration Association's Mass Arbitration Supplementary Rules if AAA is the administrator, to the extent those rules do not conflict with this section.
How are claims within a Mass Filing chosen to proceed first?
As Bellwether Cases, selected from the batch.
The administrator will designate an initial group of Disputes to proceed first as individual arbitrations on their merits (“Bellwether Cases”), consisting of four (4) Disputes or five percent (5%) of the Mass Filing, whichever is greater, up to a maximum of fifty (50) Bellwether Cases, selected by the administrator using a random or other neutral method, or by agreement of the parties. Every other Dispute within the Mass Filing is stayed pending resolution of the Bellwether Cases.
Do we owe fees on every claim in a Mass Filing as soon as it is filed?
No, only on the active Bellwether Cases.
Filing, administrative, and Arbitrator fees are due only for Bellwether Cases while they are active. Fees for a stayed Dispute are not due unless and until that Dispute is later activated under this section. This does not change who ultimately bears those fees once a Dispute becomes active; the Fees and Awards section above continues to apply to it in full.
What happens after the Bellwether Cases are decided?
The parties have 90 days to resolve the rest using that outcome.
Within ninety (90) days after all Bellwether Cases are finally resolved, the parties will participate in a global mediation, before a mediator agreed upon by the parties or appointed by the administrator, to attempt to resolve the remaining Disputes within the Mass Filing in light of the Bellwether outcomes. Any Dispute not resolved through that process may then be activated and proceeds individually under the ordinary procedures of this Agreement.
Can a Dispute be stayed indefinitely under this section?
No.
No Dispute within a Mass Filing may remain stayed under this section for more than eighteen (18) months after the Mass Filing was identified. Any Dispute still stayed at the end of that period is automatically released to proceed as an individual arbitration under this Agreement's ordinary procedures, without further batching.
Does this section limit or waive the class action waiver, jury waiver, or any other part of this Agreement?
No.
This section governs only the sequencing, batching, and fee timing of Disputes within a Mass Filing. It does not modify, limit, or waive the class action waiver, the jury trial waiver, the choice of administrator, the allocation of fees once a Dispute is active, or any other provision of this Agreement, each of which continues to apply in full to every Dispute, including those within a Mass Filing.
Is information produced in one Dispute within a Mass Filing confidential?
Yes.
Any information produced in connection with a Dispute within a Mass Filing, including call records, dialer or campaign logs, or consent records, may be used only in that specific arbitration. It may not be disclosed, used, or referenced to solicit, identify, or pursue any other claim or claimant, absent a court or Arbitrator order or our written consent. The administrator or Arbitrator may enter a protective order to enforce this provision.
Who decides whether a group of Disputes is a Mass Filing?
The administrator's own process for that question, or a court, not the Arbitrator deciding the merits of any individual Dispute.
Any disagreement about whether a group of Disputes constitutes a Mass Filing, or about how this section applies, will be decided under the administrator's own procedure for that question if one exists, or otherwise by a court of competent jurisdiction, and not by an Arbitrator assigned to decide the merits of an individual Dispute.
PLEASE PRINT OR SAVE THIS AGREEMENT AND RETAIN A COPY FOR YOUR RECORDS.
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405,
Tempe, AZ 85288, (800) 216-5772
Privacy Policy
Clear Vision Financial LLC, d/b/a Liberty1 Financial (“Liberty1 Financial,” “we,” “us,” or “our”) helps consumers obtain unsecured consumer loans, typically used to pay off credit card or other consumer debt, by matching them with third-party lending partners. We market and advertise this loan-matching service only; we do not market or advertise debt settlement services. If a lending partner does not approve your loan application, or you decide not to proceed with an offer you receive, we may, only after that loan process has concluded, discuss other options with you, which can include referring you to a third-party debt settlement company that negotiates directly with your creditors to accept less than the full balance owed. We do not negotiate with your creditors ourselves. This Privacy Policy explains what personal information we collect, how we use and share it, and the choices available to you.
This Privacy Policy works together with, and does not override, our Privacy Notice (which explains our practices under the Gramm-Leach-Bliley Act) and our California Privacy Notice (which explains the rights of California residents under the California Consumer Privacy Act, as amended). If any of these documents ever appear to describe the same practice differently, tell us; that is a drafting error we want to fix, not a choice between them.
Your use of our website and the services described in this Privacy Policy is also governed by our Terms & Conditions, which is incorporated into this Privacy Policy by reference and includes, among other things, our dispute resolution, arbitration, class action waiver, and jury trial waiver provisions.
1. Information We Collect
We collect information you provide directly, such as your name, contact information, date of birth, Social Security number, income, and information about your debts. We also collect information about your transactions and account activity with us, and information collected automatically through our website, such as device and browser information, IP address, and how you interact with our site.
2. How We Use Your Information
We use your information to provide the loan-matching services you request, including evaluating your eligibility and matching you with lending partners; if your loan application is not approved, or you decide not to proceed with an offer, to discuss other options with you after that process concludes, which can include referring you to a third-party debt settlement partner; to communicate with you about your account and our services; to comply with legal and regulatory obligations; and to improve our services and website.
3. How We Share Your Information
Lending Partners and Platforms. Liberty1 Financial operates in part as a lending-matching service. When you seek financing through us, we share your application and eligibility information with third-party lending platforms and partners so they can evaluate you for loan or financing offers. We receive compensation from these lending partners in connection with successful matches that result in services provided to you by our partners.
We are not selling a list or file of client data to unrelated third parties; this sharing is the mechanism by which financing offers are secured for you, and it happens only with the lenders and platforms involved in evaluating your specific request. That said, California law defines “sale” of personal information broadly enough to include a disclosure made in exchange for compensation, regardless of the business purpose behind it. Because we receive compensation in connection with this sharing, we treat it as a “sale” of personal information for California privacy law purposes. California residents have the right to opt out of this sharing; see our California Privacy Notice for how to exercise that right.
Debt Settlement Partners. We do not market or advertise debt settlement services, and we do not use information obtained under a firm offer of credit (a “prescreened” list) to solicit debt settlement services. We do not discuss debt settlement with you until after your loan application has been decided by a lending partner or you have decided not to proceed with a loan offer. If, at that point, a negotiated settlement appears to be a fit for you, we may refer your information to a third-party debt settlement company, who will contact your creditors directly and negotiate on your behalf. We do not negotiate with your creditors ourselves. We receive compensation from these debt settlement partners in connection with successful referrals. As with our lending partners above, we treat this disclosure as a “sale” of personal information for California privacy law purposes, because we receive compensation in connection with it. California residents have the right to opt out of this sharing; see our California Privacy Notice.
Advertising and Social Media Platforms. We share limited information, such as device identifiers, hashed contact information, or website activity, with social media and advertising platforms, for example to measure the effectiveness of our advertising or to show you relevant ads. We do not sell this information for money.
This information does not include your name, Social Security number, or similar directly-identifying details. However, California law treats this kind of disclosure, sharing information for cross-context behavioral advertising, as a “share” of personal information, whether or not it is sold for money and whether or not it includes traditional personally-identifying information like your name. California residents have the right to opt out of this sharing as well; see our California Privacy Notice.
Service Providers. We share information with vendors and service providers who perform functions on our behalf, such as payment processing, customer support, and data hosting. These providers are contractually restricted to using your information only to provide services to us.
Legal and Regulatory. We may disclose information to comply with law, respond to legal process, or protect the rights, property, or safety of Liberty1 Financial, our clients, or others.
Business Transfers. If Liberty1 Financial is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to confidentiality protections.
We do not sell or share your personal information for any purpose other than those described in this section.
4. Your Privacy Choices
Depending on where you live, you may have rights to know what information we collect, to correct or delete that information, to opt out of the sale or sharing of your information described above, and to limit the use of sensitive personal information. See our California Privacy Notice for California-specific rights and how to exercise them, and our Privacy Notice for additional choices available to you regarding information sharing under federal law.
5. Data Retention
We retain your information for as long as you have an account or relationship with us, and afterward for no longer than seven years, to comply with our legal obligations, resolve disputes, and enforce our agreements.
6. Data Security
We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
7. Children's Privacy
Our services are not directed to, and we do not knowingly collect information from, individuals under the age of 18.
8. Changes to This Policy
We may update this Privacy Policy from time to time. We will post the updated policy on our website and update the effective date below.
9. Contact Us
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772
Effective: 01/02/2026
Privacy Notice
Effective: 01/02/2026
FACTS
WHAT DOES LIBERTY1 FINANCIAL DO WITH YOUR PERSONAL INFORMATION?
WHY?
Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
WHAT?
The types of personal information we collect and share depend on the product or service you have with us. This information can include your Social Security number and income, account balances and payment history, credit history and credit score, and information related to the loan-matching services you request, and, in the limited cases where a debt settlement referral is discussed with you after a loan decision, that referral.
HOW?
All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information, the reasons Liberty1 Financial chooses to share, and whether you can limit this sharing.
Reasons We Can Share Your Personal Information
Does Liberty1 Financial Share?
Can You Limit This Sharing?
For our everyday business purposes: such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
YES
NO
For our marketing purposes: to offer our products and services to you
YES
NO
For joint marketing with other financial companies
YES
NO
For our affiliates’ everyday business purposes: information about your transactions and experiences
YES
NO
For our affiliates’ everyday business purposes: information about your creditworthiness
YES
YES
For our affiliates to market to you
YES
YES
For non-affiliates to market to you
YES
YES
To Limit Our Sharing
Call (800) 216-5772, our menu will prompt you through your choice(s); email [email protected]; or mail the form at the bottom of this page. Please note: if you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?
Call (800) 216-5772 or go to https://www.liberty1financial.com
MAIL-IN FORM
Mark any or all that you want to limit:
Do not share information about my creditworthiness with your affiliates for their everyday business purposes.
Do not allow your affiliates to use my personal information to market to me.
Do not share my personal information with non-affiliates to market their products and services to me.
Name: ______________________________
Address: ______________________________
City, State, Zip: ______________________________
Program #: ______________________________
Mail to: Liberty1 Financial, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288.
WHAT WE DO
How does Liberty1 Financial protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Liberty1 Financial collect my personal information?
We collect your personal information, for example, when you apply for a loan through us or seek financing through our lending partners, whether you provide that information to a Liberty1 representative or, when no representative is available, to Libby, our virtual agent. We also collect your personal information from others, such as credit bureaus, our lending partners, and, in the limited cases described below, a debt settlement partner.
Why can’t I limit all sharing?
Federal law gives you the right to limit only: sharing for affiliates’ everyday business purposes, information about your creditworthiness; affiliates from using your information to market to you; and sharing for non-affiliates to market to you.
What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.
DEFINITIONS
Affiliates
Companies related by common ownership or control. They can be financial and non-financial companies.
Non-Affiliates
Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include service providers and direct marketing companies.
Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
OTHER IMPORTANT INFORMATION
State laws may also provide you with specific privacy protections. Please note those individual circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information. So long as we are providing you with services under your agreement with Liberty1 Financial, we will provide this Privacy Notice to you at least annually.
California Residents: We will not share your personal information with non-affiliated third parties for their marketing purposes without your affirmative consent. Except as permitted by law, we will not share your personal information with our affiliates or joint marketing partners without first giving you additional privacy choices.
Sharing With Lending and Debt Settlement Partners: If you seek a loan through us, we share your application and eligibility information with third-party lending partners so they can evaluate you for financing. We do not market or advertise debt settlement services, and we do not use information obtained under a firm offer of credit to solicit debt settlement services. Only after your loan application has been decided by a lending partner, or you have decided not to proceed with an offer, may we discuss other options with you, which can include referring you to a third-party debt settlement partner; if we do, we share your information with that partner so they can provide the service you requested. We receive compensation from our lending and debt settlement partners in connection with successful referrals. Because this sharing is necessary to provide the service you asked for, it does not appear as a row you can limit in the table above. California residents have a separate right under the California Consumer Privacy Act to opt out of this sharing, because we receive compensation for it; see our California Privacy Notice and our Do Not Sell or Share My Personal Information page for how to exercise that right. Your use of our website and services is also governed by our Terms & Conditions, which is incorporated into this notice by reference.
Nevada Residents: If you prefer not to receive marketing calls from us, you may be placed on our Do Not Call List by calling (800) 216-5772. This notice is provided pursuant to Nevada law. You can obtain further information by contacting the Nevada Attorney General’s Office at 100 North Carson Street, Carson City, NV 89701, (775) 684-1100, or [email protected].
Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors or our agents, affiliates, or contractors.
Job Applicants, SMS Terms: Liberty1 Financial offers you the option to engage in SMS text conversations about your job application. By participating, you understand that message frequency may vary depending on the status of your job application, and that message and data rates may apply. Please consult your carrier for further information on applicable rates and fees. Carriers are not liable for delayed or undelivered messages. Reply STOP to cancel and HELP for help.
By opting in to receiving SMS text messages about your job application, you acknowledge and agree that your consent data, mobile number, and personal information will be collected and stored solely for the purpose of providing you with updates and information related to your job application. We are committed to protecting your privacy and shall not share or sell your consent data, mobile number, or personal information to third parties under any circumstances.
DISCLAIMER
Annual percentage rates (APRs) through Liberty1 Financial range from 6.99% to 35.99% APR for first-time borrowers, with the lowest rates offered to the most creditworthy borrowers. Minimum loan amount is $5,000.00. Maximum loan amount is $110,000.00. Eligibility is not guaranteed, and requires that you meet credit and other conditions including: (a) your continuing to meet the criteria for this prescreened offer; (b) your credit report, application and credit history meet our pre-established credit criteria; (c) your monthly debt-to-income ratio (i.e., total monthly debt payments divided by monthly gross income) cannot exceed 50%; and (d) you have been employed for at least one (1) year. Liberty1 Financial does not discriminate on the basis of race, color, religion, sex, marital status, national origin or ancestry.
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772
California Privacy Notice
Effective: 01/02/2026
This notice supplements Liberty1 Financial's Privacy Policy and Privacy Notice, and applies only to California residents. It explains, as required by the California Consumer Privacy Act of 2018 (“CCPA”), as amended by the California Privacy Rights Act of 2020 (“CPRA”), the categories of personal information we collect, sell, and share, and the rights available to you and how to exercise them. Your use of our website and services is also governed by our Terms & Conditions, which is incorporated into this notice by reference and includes our dispute resolution, arbitration, class action waiver, and jury trial waiver provisions.
1. Key Terms
Term
Meaning
We, us, our, the Company
Clear Vision Financial LLC, d/b/a Liberty1 Financial
Personal information
Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular consumer or household.
Sensitive personal information
Personal information revealing a Social Security, driver's license, or passport number; account log-in or financial account number in combination with credentials permitting access to the account; precise geolocation; or contents of mail, email, or text messages where we are not the intended recipient.
Sell / Sale
Disclosing personal information to a third party for monetary or other valuable consideration; this can include a referral fee or commission, even where no data file changes hands for its own sake.
Share / Sharing
Disclosing personal information to a third party for cross-context behavioral advertising, whether or not for money.
2. Personal Information We Collect About You
In the preceding 12 months, we have collected the following categories of personal information about our clients and website visitors:
Category
Specific Types We Collect
Identifiers
Name, alias, postal address, email address, phone number, Social Security number, date of birth, IP address, online identifier, account name
Financial and commercial information
Income, employment information, debt and creditor information, bank account information, credit information, and records of the loan-matching services you have obtained or considered, and, where applicable, any debt settlement referral discussed with you after a loan decision
Internet or other electronic network activity information
Browsing history on our website, device and browser information, and interaction with our website and advertisements, including through the platforms listed in Section 6
Geolocation data
Approximate location derived from your IP address; postal address you provide
Audio or electronic information
Recordings of calls with our team, where permitted by law and disclosed to you at the time
Professional or employment-related information
Employer name and employment status, to the extent relevant to evaluating your eligibility for our services
Inferences
Inferences drawn from the categories above to evaluate your eligibility for our loan-matching services
Sensitive personal information
Social Security number, driver's license number, and financial account or payment card numbers in combination with login credentials, where you provide these to enroll in or receive our services
3. How Your Personal Information Is Collected
We collect most of this personal information directly from you: by phone (including a call handled by Libby, our virtual agent, when no representative is available), email, text, or through our website and enrollment forms. We also collect information from:
Third parties with your consent, such as creditors and lenders you authorize us to contact on your behalf;
Lending platforms and partners, where you have applied for financing through us;
Debt settlement partners, in the limited cases where, after your loan application has been decided or you have declined a loan offer, you are referred to a negotiated-settlement program;
Cookies and similar technologies on our website;
Advertising and analytics platforms, as described in Section 6; and
Publicly available government records, where relevant to verifying your identity.
4. Why We Use Your Personal Information
We market and advertise unsecured consumer loan matching only; we do not market or advertise debt settlement services, and we do not use personal information obtained under a firm offer of credit to solicit debt settlement services. Any discussion of debt settlement with you happens only after your loan application has been decided by a lending partner or you have decided not to proceed with a loan offer. We collect, use, sell, and share personal information for the following business purposes:
Performing our loan-matching services, including evaluating your eligibility and arranging financing with lending partners; and, only after that loan process has concluded, referring you to a third-party debt settlement partner who negotiates with your creditors on your behalf where that is a fit for you; communicating with our lending and debt settlement partners about your account; and servicing your account;
Matching you with third-party lending partners and platforms so they can evaluate you for financing offers; and, only after that loan process concludes, referring you to third-party debt settlement partners for negotiated-settlement services where appropriate;
Advertising and marketing our own services, including through the social media and advertising platforms described in Section 6;
Detecting, preventing, and investigating fraud or security incidents;
Complying with our legal and regulatory obligations, including recordkeeping required by state debt-settlement and lending laws; and
Performing our contract with you, or taking steps you request before entering into a contract with us.
5. Who We Share Your Personal Information With
In the preceding 12 months, we have disclosed personal information to:
Third-party lending platforms and partners, including AskEVVO, so they can evaluate you for loan or financing offers (see Section 6: this disclosure is a “sale” under the CCPA because we receive compensation from these partners in connection with successful matches);
Third-party debt settlement companies, in the limited cases where, after your loan application has been decided or you have declined a loan offer, you are referred to a negotiated-settlement program, so they can contact and negotiate with your creditors on your behalf; we do not contact your creditors ourselves (see Section 6: this disclosure is also a “sale” under the CCPA because we receive compensation from these companies in connection with successful referrals);
Social media and advertising platforms, to advertise our services and measure the effectiveness of that advertising (see Section 6: this disclosure is a “share” under the CCPA);
Service providers who perform functions on our behalf, such as payment processing, telephony, e-signature, customer support software, and data hosting, under contracts that restrict their use of your information to providing services to us;
Government and regulatory agencies, and other parties, when required by law, legal process, or to protect the rights, property, or safety of Liberty1 Financial, our clients, or others; and
A successor entity, in the event of a merger, acquisition, or sale of assets, subject to confidentiality protections.
6. Categories of Personal Information We Sold or Shared
Sold (to lending partners and platforms, including AskEVVO, and, only after a loan decision, to debt settlement partners, each in exchange for referral compensation):
Identifiers (name, contact information, Social Security number, date of birth);
Financial and commercial information (income, employment, debt, bank account and credit information); and
Inferences drawn from the above to evaluate eligibility for a loan or, only after a loan decision, a debt settlement referral.
Shared (with Meta, TikTok, LinkedIn, YouTube, and Mobiquity, for cross-context behavioral advertising):
Identifiers (such as device identifiers or hashed contact information, where used to match you to an advertising audience); and
Internet or other electronic network activity information (such as browsing activity on our website and interaction with our ads).
7. Categories of Personal Information We Disclosed for a Business Purpose
In the preceding 12 months, we have disclosed the following categories of personal information to service providers for a business purpose (not a sale or share):
Identifiers;
Financial and commercial information;
Internet or other electronic network activity information; and
Audio information (call recordings), where applicable.
8. How Long Your Personal Information Will Be Kept
We retain your personal information for as long as you have an account or relationship with us, and afterward for no longer than seven years, for purposes that may include:
Complying with recordkeeping obligations under applicable state debt-settlement, lending, and consumer-protection laws;
Responding to any questions, complaints, or claims made by you or on your behalf;
Establishing, exercising, or defending legal claims; or
Keeping records required by law.
9. Your Rights Under the CCPA/CPRA
California residents have the following rights, which you may exercise free of charge as described in Section 10:
Right to Know
You have the right to request that we disclose: the categories and specific pieces of personal information we have collected about you; the categories of sources from which it was collected; our business or commercial purpose for collecting, selling, or sharing it; the categories of third parties to whom we disclose it; and the categories of personal information we sold, shared, or disclosed for a business purpose, and to whom.
Right to Opt Out of Sale or Sharing
You have the right to opt out of the sale of your personal information to lending partners and platforms, and out of the sharing of your personal information for cross-context behavioral advertising, as described in Section 6. Once you opt out, we will not sell or share your personal information unless you later provide express authorization to resume.
Right to Limit Use of Sensitive Personal Information
You have the right to limit our use of your sensitive personal information (Section 1) to what is reasonably necessary to perform the services you request, and other purposes permitted by the CCPA/CPRA, such as security, fraud prevention, and legal compliance.
Right to Delete
You have the right to request deletion of personal information we have collected from you, subject to exceptions, for example, where the information is necessary to complete a transaction you requested, detect or respond to security incidents, comply with a legal obligation, or exercise free speech.
Right to Correct
You have the right to request that we correct inaccurate personal information we maintain about you, taking into account the nature of the information and the purposes of processing.
Right to Non-Discrimination
We will not deny you services, charge you a different price, or provide a different level or quality of service because you exercised any right under the CCPA/CPRA.
Global Privacy Control
If your browser sends an opt-out preference signal, such as the Global Privacy Control, we will treat that signal as a valid request to opt out of the sale and sharing of your personal information for the browser (and, where applicable, the account) that sent it.
10. How to Exercise Your Rights
You may exercise the rights described in Section 9 by:
Email: [email protected];
Phone: (800) 216-5772; or
A designated “Do Not Sell or Share My Personal Information” link, https://optout.liberty1financial.com/
To protect your information, we will need to verify your identity before completing most requests. Depending on the request, we may ask you to confirm information already in our records, such as your name, address, and the last four digits of your Social Security number, or a government-issued photo ID. You may also designate an authorized agent to make a request on your behalf; we may require the agent to provide proof of that authorization and may still require you to verify your own identity directly with us.
You may make a request to know or a request for data portability up to twice in a 12-month period. There is no limit on requests to opt out, limit use of sensitive personal information, delete, or correct.
11. Contact Us
Clear Vision Financial LLC, d/b/a Liberty1 Financial
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772
Consent for Electronic Communications
Clear Vision Financial LLC, d/b/a Liberty1 Financial, and its affiliates and third-party service providers (collectively, the “Company”), are able to offer our services efficiently in part by communicating with you electronically. In order for you to use the Company's services, you must consent to receive all communications electronically as described below.
This consent covers all documents, disclosures, and notices related to your inquiry for services, your application for any services and products, any resulting services or products offered to you, this consent to electronic communications, change in terms notices, fee and transaction information, statements, consumer disclosures, state-mandated brochures and disclosures, adverse action notices, and any other information related to the services and products provided to you (collectively, “Electronic Communications”). We may contact you by telephone, electronic message or SMS, or email to process your application, for account servicing, to tell you about financial products and services, and for other business purposes. This is separate from, and does not expand, any consent you gave, or declined to give, to receive marketing calls or texts using an automatic telephone dialing system, an artificial or prerecorded voice, or an AI-generated or AI-powered voice assistant, which is addressed in our Terms & Conditions and remains governed by that document, not this one.
The Electronic Communications will be made available to you through our website and our mobile application (collectively, the “Site”), emails, texting, or other electronic communications. All Electronic Communications to you from the Company will be considered to have been made “in writing.”
You should print or download a copy of this consent, our Terms & Conditions, and any other Electronic Communication that is important to you for your records.
This consent applies to all interactions online concerning you and the Site and includes those interactions engaged in on any mobile device, including phones, smartphones, and tablets. By agreeing to this Consent for Electronic Communications, you agree that the Company will interact with you and process your information electronically. The Company will also send you notices electronically related to our interactions and transactions. Electronic Communications may be provided online or through your designated email address or your customer portal. Notwithstanding your consent to Electronic Communications, the Company may send you paper copies of documents, disclosures, and notices.
Access to Electronic Communications
To access certain personalized Electronic Communications, you will be required to log in to the Site or your customer portal. Other Electronic Communications may be accessible on the public portion of our Site. To access and retain Electronic Communications, at a minimum you will need: a PC or Mac compatible computer or other device capable of accessing the Internet; access to an email account; an SSL-enabled modern web browser that supports HTML5, JavaScript, and CSS3; software capable of reading PDF files; and sufficient electronic storage capacity on your hard drive or other data storage facility, or a means to print or store notices and information through your browser software. You are agreeing and confirming that each device you use to access the Site satisfies each of these requirements. If these requirements change while you are maintaining an active relationship with us and the change creates a material risk that you may not be able to receive Electronic Communications, we will notify you of these changes.
SMS Terms and Conditions
This section is separate from, and is not a condition of, your consent to receive Electronic Communications above. You may decline to provide a mobile number, or may withdraw this SMS consent at any time as described below, without affecting your ability to use our services or your consent to receive Electronic Communications.
By providing your mobile number and opting in, you give Company permission to send you account-related text messages, company announcements, customer support through chat on demand, and account notifications in conjunction with the services you have requested. The number of messages will vary by account. Message and data rates may apply. To opt out, text STOP to any text message we send you; an opt-out confirmation message will be sent back to you. To request support, text HELP to any text message we send you, or call us at (800) 216-5772. Wireless carriers are not liable for undelivered or delayed messages.
No Right to Paper or Non-Electronic Records
Electronic Communications are generally not available on paper or in a non-electronic form from us. If you do not consent to the use of Electronic Communications, this service will not be available to you. However, we may at our option provide a copy of an Electronic Communication in paper-based media as requested by you. You may request a paper copy of any Electronic Communication by emailing your request to us through the Site, or by contacting us at: Attention Customer Service, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288; [email protected]; or (800) 216-5772. If we agree to provide the requested paper copy of an Electronic Communication, we may charge you our fees and charges then in effect for providing the paper copy.
Withdrawing Your Consent
You may withdraw your consent to receive Electronic Communications, or to the use of electronic signatures in connection with any future transactions with us, at any time. We will not charge you any fees for withdrawing your consent. If you decide you do not want to receive Electronic Communications, or do not want to use electronic signatures in connection with any future transactions with us, you may withdraw your consent by contacting us at: Attention Customer Service, 999 E Playa del Norte, Suite 405, Tempe, AZ 85288; [email protected]; or (800) 216-5772. The legal effectiveness, validity, and enforceability of prior electronic disclosures will not be affected if you withdraw your consent. Regardless of the status of your consent, you agree that we may continue to communicate with you electronically with respect to any document, disclosure, or notice that is not required by law to be in writing.
Updating Your Contact Information
You should keep us informed of any change in your electronic address or mailing address. You may update this information by logging into the Site and providing the updated information. You may also contact us using the information below.
Clear Vision Financial LLC, d/b/a Liberty1 Financial, and its affiliates and third-party service providers (collectively, the “Company”)
999 E Playa del Norte, Suite 405, Tempe, AZ 85288
(800) 216-5772
PLEASE PRINT OR SAVE THIS CONSENT FOR ELECTRONIC COMMUNICATIONS FORM AND RETAIN A COPY FOR YOUR RECORDS.