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. 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; 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.
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. Text Messaging (SMS) Program
If you provide your mobile phone number to enroll in text messages from us, whether on your loan application, through our website, or by texting us directly, we collect that number, together with your name and any other information you provide in that request.
We use this information to send you account-related text messages, such as application status updates, appointment reminders, and customer support responses, and, only if you separately opt in as described in our Terms & Conditions, marketing text messages about our services. See our Consent for Electronic Communications for the specific terms governing this text-messaging program, including message frequency, applicable message and data rates, and how to opt out.
We do not sell or share your mobile phone number, or your consent to receive text messages from us, with unrelated third parties for their own independent marketing or promotional purposes. We share this information only with the service provider that operates the text-messaging platform we use to deliver messages on our behalf, solely to deliver those messages, and as otherwise described in Section 3 above.
We protect this information using the same administrative, technical, and physical safeguards described in Section 6 above, including encryption in transit and restricted access to the systems that store it. You may access, correct, or request deletion of this information as described in Section 4 above, or by contacting us using the information in Section 10 below.
10. 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