◈ Homepage — http://www.freedomfinancialnetwork.com/Who we help How we help Who we are Solutions Company 800-330-3446 Empowering people to move their finances forward How much credit card debt relief are you looking for? $25,000 $1,000 $100,000+ Get a FREE debt assessment From Freedom Debt Relief 4.6 out of 5 Reviews 42,732 • Excelent or Talk to a Certified Debt Consultant800-330-3446 Everyday Americans deserve a better financial future. We help them get there. Molly B., Los Angeles, CA A leader in consumer debt solutions since 2002 1 million+ consumers served $18B+ consumer debt resolved $5B+ consolidation loans originated FREEDOM DEBT RELIEF REVIEWS Trusted by over 1 million clients Great help Great help, I would recommend them in a heartbeat. Kept in touch ... Kirsten Williams, May 22, 2022 Excellent program to solv... Excellent program to solve your monitory issues with confidence a... Betty Scott, May 21, 2022 Freedom Debt Relief is he... Freedom Debt Relief is helping me reduce my debt, and it is fairl... THOMAS GRIMALDI, May 20, 2022 Easy to work with Easy to work with. Made me feel better. I know there is a ligh... Mary, May 19, 2022 I would highly recommend ... I would highly recommend freedom relief program to anyone that is... Vickie Graves, May 18, 2022 Everyone from start to m... Everyone from start to my finish line the counseling the custome... Mary Stephens, Jan 08, 2025 My debt was bigger than w... My debt was bigger than we could deal with due to covid-19. My hu... L. Bubb, Jun 15, 2022 I'm very pleased with the... I'm very pleased with the service. My credit cards are being bein... Cara Sutton, Jun 13, 2022 Learning Experience I signed up without hesitation and can’t say but just the best. M... Gaby Rodriguez, Jun 13, 2022 Freedom did exactly what ... Freedom did exactly what the said they would and what would happe... Peter Macgown, Jun 10, 2022 I don’t know what I would... I don’t know what I would’ve done without FDR. I was drowning in ... Tina Smith, Jun 10, 2022 I had a great experience ... I had a great experience with FDR. They paid off my credit card d... Kathryn L, Jun 03, 2022 I had many questions and ... I had many questions and a few thing I did not understand the adv... Walter Auffermann, Jun 02, 2022 Helpful Freedom Debt Relief is excellent.The staff is very helpful and th... Hazel Lowe, May 28, 2022 I am extremely happy to h... I am extremely happy to have used this company in the past for de... Rosa, May 28, 2022 I got myself in "credit c... I got myself in "credit card trouble" just before COVID. I signe... Edna Potts, May 26, 2022 When you're in credit car... When you're in credit card and can't keep up on the payments. I h... Linda Mcmurray, May 25, 2022 Freedom has a user-friend... Freedom has a user-friendly platform that helps you understand yo... Kerry Mitchell, May 25, 2022 To begin I was in debt ov... To begin I was in debt over my head. I had borrowed funds to pay... Sylvia Johnson, May 24, 2022 Freedom debt relief has b... Freedom debt relief has been awesome, they have taken a big burde... Charles Hall, May 24, 2022 Great help Great help, I would recommend them in a heartbeat. Kept in touch ... Kirsten Williams, May 22, 2022 Excellent program to solv... Excellent program to solve your monitory issues with confidence a... Betty Scott, May 21, 2022 Freedom Debt Relief is he... Freedom Debt Relief is helping me reduce my debt, and it is fairl... THOMAS GRIMALDI, May 20, 2022 Easy to work with Easy to work with. Made me feel better. I know there is a ligh... Mary, May 19, 2022 I would highly recommend ... I would highly recommend freedom relief program to anyone that is... Vickie Graves, May 18, 2022 Everyone from start to m... Everyone from start to my finish line the counseling the custome... Mary Stephens, Jan 08, 2025 My debt was bigger than w... My debt was bigger than we could deal with due to covid-19. My hu... L. Bubb, Jun 15, 2022 I'm very pleased with the... I'm very pleased with the service. My credit cards are being bein... Cara Sutton, Jun 13, 2022 Learning Experience I signed up without hesitation and can’t say but just the best. M... Gaby Rodriguez, Jun 13, 2022 Freedom did exactly what ... Freedom did exactly what the said they would and what would happe... Peter Macgown, Jun 10, 2022 I don’t know what I would... I don’t know what I would’ve done without FDR. I was drowning in ... Tina Smith, Jun 10, 2022 I had a great experience ... I had a great experience with FDR. They paid off my credit card d... Kathryn L, Jun 03, 2022 I had many questions and ... I had many questions and a few thing I did not understand the adv... Walter Auffermann, Jun 02, 2022 Helpful Freedom Debt Relief is excellent.The staff is very helpful and th... Hazel Lowe, May 28, 2022 I am extremely happy to h... I am extremely happy to have used this company in the past for de... Rosa, May 28, 2022 I got myself in "credit c... I got myself in "credit card trouble" just before COVID. I signe... Edna Potts, May 26, 2022 When you're in credit car... When you're in credit card and can't keep up on the payments. I h... Linda Mcmurray, May 25, 2022 Freedom has a user-friend... Freedom has a user-friendly platform that helps you understand yo... Kerry Mitchell, May 25, 2022 To begin I was in debt ov... To begin I was in debt over my head. I had borrowed funds to pay... Sylvia Johnson, May 24, 2022 Freedom debt relief has b... Freedom debt relief has been awesome, they have taken a big burde... Charles Hall, May 24, 2022 Great help Great help, I would recommend them in a heartbeat. Kept in touch ... Kirsten Williams, May 22, 2022 Excellent program to solv... Excellent program to solve your monitory issues with confidence a... Betty Scott, May 21, 2022 Freedom Debt Relief is he... Freedom Debt Relief is helping me reduce my debt, and it is fairl... THOMAS GRIMALDI, May 20, 2022 Easy to work with Easy to work with. Made me feel better. I know there is a ligh... Mary, May 19, 2022 I would highly recommend ... I would highly recommend freedom relief program to anyone that is... Vickie Graves, May 18, 2022 Rated 4.6 / 5 based on 42334 reviews Showing our 4 & 5 star reviews. AS SEEN IN Providing relief from financial distress Too many people are struggling to make ends meet. We help them overcome debt, eliminate stress, and move on with their lives. Learn more Putting customers first We act in our clients’ interests, and we work hard to get them great results. Our financial incentives are aligned with our customers’ success – we only succeed when they do. Learn more Giving consumers options We give each consumer a personalized financial assessment and suggest debt solutions that they qualify for. They choose what works best for them. Learn more People struggling with... Revolving unsecured debt High debt-to-income ratio Monthly cash flow challenges Making minimum payments Low credit score High credit card utilization Need help finding the right solution Debt Consolidation Debt Relief Personal Loans Home Equity Solutions Bankruptcy Credit Counseling Changing lives for the better For nearly 20 years, we have delivered financial solutions to help struggling consumers manage their debt and improve their financial outlook. Our goal is to help you improve your finances, make informed financial decisions and be confident in the decisions you make. However, neither Freedom Financial Network, LLC, nor any of its affiliates or subsidiaries are financial advisors, tax consultants, credit counselors or attorneys and nothing published on our websites should be construed as financial or legal advice. We recommend you consult with the appropriate professional before making any serious financial decisions. If we refer you to a partner who operates in one or more of these areas, we may be compensated by that partner but it will be them, and not us, who provides these services. Debt relief disclosure: Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, Delaware Branch, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 8.99% to 36.00% and include applicable origination fees that vary from 1.99% to 9.99%. Repayment periods range from 24 to 60 months. Example loan: four-year, $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 8.99% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time. All estimates for Achieve Debt Relief’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Debt Relief clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Debt Relief does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Debt Relief does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Debt Relief’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt relief. Read and understand all program materials prior to enrollment. The use of Achieve Debt Relief services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Debt Relief obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. Home equity loans are available through our affiliate Achieve Loans (NMLS ID #1810501). Equal Housing Opportunity. Offers may vary and all loan requests are subject to eligibility requirements, application review, loan amount, loan term, income verification, and lender approval. Product terms are subject to change at any time. Offers are a line of credit. Loans are not available to residents of all states and available loan terms/fees may vary by state where offered. Line amounts are between $15,000 and $300,000, subject to limitations on product type, debt-to-income ratio and combined loan-to-value ratio. 10, 15, 20, and 30-year terms available. Minimum 600 credit score applies for debt consolidation requests (20 and 30 year terms require a minimum credit score of 640), minimum 700 applies for cash out requests. Other terms, conditions and restrictions apply. Fixed rate APRs range from 6.240% - 13.250% and are assigned based on underwriting requirements and offer APRs assume automatic payment enrollment which may provide a discount (autopay enrollment is not a condition of loan approval). All terms have a 5-year draw period with the remaining term being a no draw period. Payments are fully amortized during each period and determined on the outstanding principal balance each month. Payments during the draw period could fluctuate if the principal balance fluctuates. Closing fees range from $750 to $6,685, depending on line amount and state law requirements and may include origination (up to 3.5% of line amount) and underwriting ($725) fees if allowed by law. Property must be owner-occupied. Combined loan-to-value ratio may be limited to 75%, including the new loan request. Property insurance is required and flood insurance may be required if the subject property is located in a flood zone. You must pledge your home as collateral. Loan funding time is dependent on full application and documentation submission, average funding time is 11 business days for 2025, including rescission. Affiliated Business Arrangement Disclosure: Freedom Financial Network, LLC is a wholly-owned subsidiary of Freedom Financial Network Funding, LLC (“FFNF”). FFNF also owns 99% of Lendage, LLC (“Achieve Loans”). Because of this relationship, your referral to Achieve Loans may provide Freedom Financial Network, LLC a financial or other benefit. Where permitted by applicable state law, Achieve Loans charges: 1) an origination fee of 3.50%, and 2) an underwriting fee of $725. You are NOT required to use Achieve Loans for a home equity line of credit. Please click here for the full Affiliated Business Arrangement disclosure form. 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Ok Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network.  All rights reserved ◈ Interior Pages — 13 pages crawledWho We Are | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Who we are Scroll Down A financial services company with heart Since 2002, we have built a team of caring experts with the knowledge, experience and relationships to offer solutions at scale to consumers who need our help. 22+ years in business 2,200+ US employees in AZ and CA 16X Voted Best Places to Work Our mission is to empower everyday Americans to move forward towards a better financial future. Care (for everyone) Get Better (every day) Act With Integrity (every time) Collaborate (with everybody) Our core values These concepts define who we are and how we behave every day - with each other, and with our customers. We embrace and evangelize these values. REAL PEOPLE, REAL RESULTS “It would have taken me 15 years to get out of debt. With Freedom, it’s only going to take me 3.” Alejandra After putting herself through grad school, Alejandra struggled to keep up with student loan and credit card bills. Then, after 3 car accidents in less than a year made her expenses skyrocket, she fell further behind and worried she would never be debt-free. We showed her a way out. Our operating principles Empower our customers to take control We help consumers take charge of their own financial destiny, both immediately and long-term. Deliver enduring value We are committed to helping consumers achieve greater long-term financial success. Earn our clients’ trust, every day We recommend appropriate solutions designed to meet consumers’ needs. We explain our solutions simply and clearly. Keep consumers’ interests front and center We are in this together with the people we serve. When our customers succeed, so do we. Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Contact Us | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Contact Freedom Debt Relief We are located at San Mateo, California 1875 South Grant Street, Suite 400 San Mateo, CA 94402 Connect with us Partners Contact our Partners Team Affiliates Contact our Affiliates Team Investment opportunities Contact our Investment Team Creditors Contact our Creditors Team Media inquiries Contact our Media Team Career opportunities Contact our Careers Team Other inquiries For General inquiries Learn more about our solutions Free consultation 800-220-7791 Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Freedom Financial Network (800) 330-3446 Loading your page... Privacy Policy • Terms of Use • Contact Us About Us • Disclaimers • FAQs Personal loans are available through our affiliate Achieve Personal Loans (NMLS ID #227977), originated by Cross River Bank, Delaware Branch, Equal Housing Lender. Loan applications are subject to credit review, underwriting criteria, and approval. Loans are not available in all states and available loan terms/fees may vary by state. Loan amounts range from $5,000 to $50,000. For loans $35,000+ must have a minimum 660 credit score. APRs range from 6.25% to 35.99% and include applicable origination fees that vary from 1.99% to 9.99%. Repayment periods range from 24 to 60 months. Example loan: four-year, $20,000 loan with an origination fee of 8.99%, a rate of 15.49%, and corresponding APR of 20.77%, would have an estimated monthly payment of $561.60 and a total cost of $26,966.26. To qualify for a 6.25% APR loan, a borrower will need excellent credit, a loan amount less than $12,000.00, and a term of 24 months. Loan Consultants for Achieve Personal Loans are available Monday-Friday 6 AM to 8 PM AZ time, and Saturday-Sunday 7 AM to 5 PM AZ time. Loan payments can be made anytime through the customer dashboard or with our servicing agents, who are available 6am-6pm M-F AZ time. Sat 7am-11am AZ time. All estimates for Achieve Debt Relief’s services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all Achieve Debt Relief clients are able to complete their program for various reasons, including their ability to save sufficient funds. Achieve Debt Relief does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Achieve Debt Relief does not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Achieve Debt Relief’s services are not available in all states, including New Jersey, and their fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt relief. Read and understand all program materials prior to enrollment. The use of Achieve Debt Relief services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements Achieve Debt Relief obtained on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. Freedom Financial Network, LLC, offers various financial products and services through its wholly owned subsidiary, FDR, and affiliates (collectively, """"Freedom)""""), which may be provided by Freedom or other unaffiliated third parties. All estimates for FDR's services are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. FDR does not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. Nor will it assume your debts, make monthly payments to creditors or provide tax, accounting, legal advise or services. FDR's service is not available in all states, including New Jersey, and its fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt relief. Read and understand all program materials prior to enrollment. The use of FDR's services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated results FDR obtains on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. By proceeding, you acknowledge that you may be contacted by one or more representatives of Freedom to discuss options. © 2026. All rights reserved. Freedom Financial Network Security | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 How we secure your information Freedom Financial Network (FFN) uses significant safeguards, including physical, technical (electronic), and operational controls to protect your personal information, both during transmission and once received. If you have any questions about the security of your information, you can contact us at [email protected] . Freedom Financial Network uses Extended Validation (EV) Secure Socket Layer (SSL) certificate to ensure that when you connect to our websites you can tell that you are actually on our site and that all data entered into the websites are transmitted to us in a secure encrypted channel. Once on our system, personal information can only be read or written through defined service access points, the use of which is password-protected. Data security is achieved through technical safeguards that include a combination of encryption, firewalls, intrusion detection system, malware detection system, and data loss prevention systems. FFN also conducts vulnerability scans of applications and systems regularly. Access to the system is tightly controlled and limited to only those who have a need to access information. Administrative safeguards such as a security awareness program, background checks, and internal information use policy ensure that only trained and trusted staff are permitted to access personal information. Additional steps you should take to ensure the security of your information Freedom Financial Network sends important communications regarding your account or application via email. You should therefore take steps to secure and restrict access to your email account and change your email account password frequently. You should also be aware of fraudulent emails known as “phishing,” from companies claiming to be FFN and requesting your login information or other account information. FFN will never ask for your login information in an email. When you are finished using FFN websites, you should log out completely, then close the browser window and clear the browser’s cache files and saved passwords. This step is particularly important if you use a computer that is accessed by other people, such as in a public library or Internet café. Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Financial Education Services | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Tools & education As we help people overcome debt, we also help them gain the skills they need to manage their money better moving forward. Scroll Down As we help people overcome debt, we also help them gain the skills they need to manage their money better moving forward. Keeping consumers motivated and educated Throughout their time with us, clients have free access to resources designed to help them succeed and build financial skills. Online dashboards Anytime and anywhere, our customers can track their progress to see when they’ll reach their next financial milestone. “I have had nothing but a positive experience with FDR. When I call everyone is so willing to help. The client dashboard is easy to read and keep up with. If you are having trouble with your debt - I would definitely recommend FDR to help you through it instead of bankruptcy!” Angie G. “...they have little videos that walk me through each step of the process or I can call and they explain everything to me, I love their customer service! And they have a client dashboard where I can look up and see exactly where they are with my settlements of my different debts. I absolutely love this company!” Cindy F. “I am able to see how things are progressing. Every time I feel anxious I go to the site and read or watch videos. These are really helpful, the same as all the information available in the site. Thanks a lot for your help.” Maria V. “The staff at FDR were always accessible to answer questions, or clarify doubts. I was kept informed throughout the entire process, with clear explanations. Additionally, my easy to access dashboard was kept updated, for me to see the details of each negotiation. Thanks FDR, for helping me to get back on track with my finances!!” M.D. “I have had nothing but a positive experience with FDR. When I call everyone is so willing to help. The client dashboard is easy to read and keep up with. If you are having trouble with your debt - I would definitely recommend FDR to help you through it instead of bankruptcy!” Angie G. “...they have little videos that walk me through each step of the process or I can call and they explain everything to me, I love their customer service! And they have a client dashboard where I can look up and see exactly where they are with my settlements of my different debts. I absolutely love this company!” Cindy F. “I am able to see how things are progressing. Every time I feel anxious I go to the site and read or watch videos. These are really helpful, the same as all the information available in the site. Thanks a lot for your help.” Maria V. “The staff at FDR were always accessible to answer questions, or clarify doubts. I was kept informed throughout the entire process, with clear explanations. Additionally, my easy to access dashboard was kept updated, for me to see the details of each negotiation. Thanks FDR, for helping me to get back on track with my finances!!” M.D. “I have had nothing but a positive experience with FDR. When I call everyone is so willing to help. The client dashboard is easy to read and keep up with. If you are having trouble with your debt - I would definitely recommend FDR to help you through it instead of bankruptcy!” Angie G. Monthly newsletters Content that keeps customers engaged, informed, and on track to reach their goals. Helpful videos Smart financial advice and customer stories, created to educate and inspire. Consumer blog Timely, relevant information that helps people learn how to manage money better. Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Partners | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Marketing partners and affiliates Connecting consumers to a suite of financial solutions Scroll Down Connecting consumers to a suite of financial solutions Working together to help consumers move forward Consumers need information, tools, and resources that enable them to discover financial services that meet their needs.Together with our marketing partners and affiliates, we reach qualified consumers and offer them appropriate solutions. Our partners We work with leading marketing partners – online marketplaces, employee resources, marketplace solutions, and top brands providing advice and tools to consumers looking for help. Marketing partnerships We can work with you to customize a marketing program for your audience. Targeting • Aligning your audience with our customer insights • Developing models to maximize ROI Lead generation • Campaign strategy and creative development • Relevant promotions and offers Lead conversion • Landing pages and forms • Customer lifecycle programs Measurement and results • Full-funnel analytics • Payouts tied to shared success metrics Affiliates program • Exclusive, high-converting offers • Dedicated account managers • Competitive payouts on CPL and CPA price points • On-time payments Contact us To talk with us about marketing partnership opportunities Contact our Partners Team To learn more about our affiliates program: Contact our Affiliates Team Explore additional opportunities STRATEGIC PARTNERS Improve your customers’ finances, improve your business Learn more INVESTORS A human touch investment model Learn more CONTACT US How to connect with us Learn more Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Compliance | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Compliance & Risk Policy Freedom Debt Relief FreedomPlus Freedom Financial Network maintains a comprehensive Compliance and Risk program to ensure compliance with applicable laws, rules, and regulations. Compliance and Risk Management is foundational to Freedom Financial Network and a priority for all employees. Visit nmlsconsumeraccess.org for further information about the Freedom Financial Network affiliate licenses managed by the Nationwide Multistate Licensing System & Registry. Freedom Debt Relief Freedom Debt Relief, LLC holds licenses in the following states: State License Name License/Registration Number: License Name License/ Registration Number: Arizona Telephone Solicitor 625428 Telephone Solicitor 625428 Arkansas Telephonic Seller 625428 Telephonic Seller 625428 California Quarterly Report - Telephonic Seller Registration 12-2370 Quarterly Report - Telephonic Seller Registration 12-2370 California Business Tax Cert BT-2020-116318 Business Tax Cert BT-2020-116318 California Telephonic Seller Registration 12-2370 Telephonic Seller Registration 12-2370 Colorado Debt Management Service Provider 000039 Debt Management Service Provider 000039 Delaware Debt Management Services 09-21 Debt Management Services 09-21 Florida Commercial Telephone Seller TC4118 Commercial Telephone Seller TC4118 Idaho Annual Report - Debt/Credit Counseling Agency CDS-8151 Annual Report - Debt/Credit Counseling Agency CDS-8151 Idaho Debt/Credit Counseling Agency CDS-8151 (Collection Agency License) & CDS-10206 (Quarterly Notification of Agents/Collectors) Debt/Credit Counseling Agency CDS-8151 (Collection Agency License) & CDS-10206 (Quarterly Notification of Agents/Collectors) Indiana 1) Credit Services Organization (bond) 2)Telephone Solicitation 1) Bond No. 41201972 2) C.P.D. Reg. N. TS. R2019 1) Credit Services Organization (bond) 2)Telephone Solicitation 1) Bond No. 41201972 2) C.P.D. Reg. N. TS. R2019 Iowa Debt Management DM-2010-0036 and DM-2009-0059 Debt Management DM-2010-0036 and DM-2009-0059 Kentucky DM-2010-0036 and DM-2009-0059 File # 70 DM-2010-0036 and DM-2009-0059 File # 70 Maine Debt Management Service Registration #: DMS11185 Debt Management Service Registration #: DMS11185 Maryland Debt Settlement Service Provider Registration # 1 Debt Settlement Service Provider Registration # 1 Maryland Annual Report - Debt Settlement Service Provider Registration # 1 Annual Report - Debt Settlement Service Provider Registration # 1 Minnesota Debt Settlement Service Provider Registration Number: DS000001 Debt Settlement Service Provider Registration Number: DS000001 Minnesota Annual Report - Debt Settlement Service Provider Registration Number: DS000001 Annual Report - Debt Settlement Service Provider Registration Number: DS000001 Mississippi Commercial Telephone Seller Registration CS-19-00769 Commercial Telephone Seller Registration CS-19-00769 Missouri Debt adjuster (bond) n/a Debt adjuster (bond) n/a Montana Consumer Debt Settlement Certificate Registration #: 184936 Consumer Debt Settlement Certificate Registration #: 184936 Nevada Debt Management Services Provider DMSM11043 Debt Management Services Provider DMSM11043 Pennsylvania Debt Settlement 49860 (original license) 4986.001 (Branch License) Debt Settlement 49860 (original license) 4986.001 (Branch License) Pennsylvania Debt Settlement Services Annual Report 49860 Debt Settlement Services Annual Report 49860 South Dakota Debt Adjusting (Bond) Bond #: 41151561 Debt Adjusting (Bond) Bond #: 41151561 Tennessee Debt Management Services Provider ID # 60 Debt Management Services Provider ID # 60 Texas Debt Management Service Provider 125696 Debt Management Service Provider 125696 Texas Telephone Solicitation Registration Telemarketing File Number: 20110007 Telephone Solicitation Registration Telemarketing File Number: 20110007 Utah 1) Debt Management Service 2) Telephone Solicitation Registration 1) 7164298-DBTM; 2) 8157752-TLM0 1) Debt Management Service 2) Telephone Solicitation Registration 1) 7164298-DBTM; 2) 8157752-TLM0 FreedomPlus Freedom Financial Asset Management, LLC holds licenses in the following states: State License Name License/Registration Number: License Name License/ Registration Number: Arizona 1) Collection Agency 2) Collection Agency other Trade Name 1) CA -0949214 (Consolidation Plus); 2) CA-0949350 (Freedom Plus) 1) Collection Agency 2) Collection Agency other Trade Name 1) CA -0949214 (Consolidation Plus); 2) CA-0949350 (Freedom Plus) Arkansas Telephonic Seller 625428 Telephonic Seller 625428 California Annual Report - Finance Lenders Law Lic 4742 Annual Report - Finance Lenders Law Lic 4742 California Finance Lenders Law License File No. 60DBO 97512 Finance Lenders Law License File No. 60DBO 97512 Florida 1) Consumer Finance Company License; 2) Collection Agency 1) License # CF9901070; 2) CCA9903166 1) Consumer Finance Company License; 2) Collection Agency 1) License # CF9901070; 2) CCA9903166 Idaho Annual Report - Collection Agency CCA-8837 Annual Report - Collection Agency CCA-8837 Idaho Collection Agency CCA-8837 Collection Agency CCA-8837 Iowa Master Loan Company Registration 88883349 Master Loan Company Registration 88883349 Iowa Annual Report -Master Loan Company Registration 88883349 Annual Report -Master Loan Company Registration 88883349 Louisiana Collection Agency/Debt Collector Charter #: 412143571 Collection Agency/Debt Collector Charter #: 412143571 Maine Supervised Lender License SLB13396 Supervised Lender License SLB13396 Maine Annual Creditor Notification Form MCCC-1 Annual Creditor Notification Form MCCC-1 Maryland 1) Consumer Loan License 2) Collection Agency License 1) Lic # 1452 2) Lic # 6825 1) Consumer Loan License 2) Collection Agency License 1) Lic # 1452 2) Lic # 6825 Massachusetts Third Party Loan Servicer LS227977 Third Party Loan Servicer LS227977 Massachusetts Annual Report - Third Party Loan Servicer LS227977 Annual Report - Third Party Loan Servicer LS227977 Michigan Regulatory Loan Act RL 0018006 Regulatory Loan Act RL 0018006 Michigan Regulatory Loan Annual Report 0018006- RL Regulatory Loan Annual Report 0018006- RL Minnesota Collection Agency 40620715 Collection Agency 40620715 Montana Consumer Loan Company License 612 Consumer Loan Company License 612 New Jersey 1) Collection Agency Bond 2) Debt Collection Agency License 1) Bond No. 41297541 & 2) NJ Registration #: 15790 1) Collection Agency Bond 2) Debt Collection Agency License 1) Bond No. 41297541 & 2) NJ Registration #: 15790 Oklahoma Supervised Lender License 227977 Supervised Lender License 227977 Oklahoma Annual Report - Supervised Lender License SL008126 Annual Report - Supervised Lender License SL008126 Pennsylvania Annual Report - Consumer Discount Company 51523 Annual Report - Consumer Discount Company 51523 Pennsylvania Consumer Discount Company License 51523 Consumer Discount Company License 51523 Texas Regulated Lender 67797 Regulated Lender 67797 Texas Annual Report - Regulated Lender License 67797 Annual Report - Regulated Lender License 67797 Utah 1) Consumer Credit Notification 2) Collection Agency 1) No number issued; regulator tracks status by company name 2) UT Registration No. 8722972-0131 1) Consumer Credit Notification 2) Collection Agency 1) No number issued; regulator tracks status by company name 2) UT Registration No. 8722972-0131 Washington Collection Agency License Collection Agency License Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Financial Hardship | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Who we help We’re here for the millions of people who are struggling and striving to overcome debt and improve their finances. Now, more than ever, Americans need relief from financial distress. Scroll Down Alejandra G., Downey, CA We’re here for the millions of people who are struggling and striving to overcome debt and improve their finances. Now, more than ever, Americans need relief from financial distress. Alejandra G., Downey, CA Consumer financial stress is at an all-time high Household debt is now over $14 Trillion-almost $1.6 Trillion higher than the record set in the 2008 financial crisis. Credit card debt is over $800 Billion. With the economic fallout of a global pandemic, Americans are grappling with record unemployment and financial uncertainty. Source : Federal Reserve Bank of New York, Q2 2020 Debt creates risk and stress Millions of Americans struggle with debt due to hardships beyond their control, living in fear of the next unexpected expense that could push them into a financial freefall. 67% 167 million people are financially vulnerable or coping (1) 40% 101 million people can’t cover a $400 expense (2) 33% 84 million people have suffered a financial hardship (3) 18% 45 million people have over $10K in credit card debt (4) 1 Source : Financial Health Network 2 Source : Federal Reserve 3 Source : Federal Reserve 4 Source : Experian Unexpected hardships Our debt relief consumers typically have suffered a severe financial hardship – divorce, medical expenses, reduced income, or job loss. Help for financially struggling consumers The people who come to us for help are in more financial distress than the average consumer. $27K Average unsecured debt 595 Average FICO 100% Have suffered a financial hardship 8 Average enrolled accounts 69% Average credit card utilization 61% Have had a delinquency in the past 6 months Debt is taking a toll on people’s wellbeing How does debt impact your life? 48% Unable to save 46% Feel very stressed 41% Delay life goals REAL PEOPLE, REAL RESULTS “Being in debt is scary. But from the moment we talked to Freedom, the fear went away...They treat you like family, and they do everything they say they’re going to do.” Peggy and Howard Peggy and Howard Powell both enrolled in the Freedom Financial Network program at different times. Howard completed his program several years ago, while Peggy chose to enroll in 2019–mainly because she saw first–hand how much it helped Howard. Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Strategic Partners | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Strategic partners We can help improve your customers’ financial outlook, so you can improve your business. Scroll Down We can help improve your customers’ financial outlook, so you can improve your business. Enabling financial wellness Your customers can’t take full advantage of what you have to offer when they’re dealing with debt. Our solutions help them overcome debt, learn better financial habits, and improve their lives – so you can grow your relationship with them. Our partners We work with partners in a wide variety of businesses and categories – including telecommunications, financial services, membership organizations, and academic institutions. Driving success together We work collaboratively with our partners to provide resources, develop custom marketing programs, measure impact, and deliver positive results. • Data insights and market research • Financial education content • Dedicated loan and debt consultants Customized marketing programs We meet your customers where they are, through a co-branded user experience that inspires trust and ensures greater success. Case study: Affinity Program Partnership We worked with one of America’s largest member organizations to help them to provide an affordable, effective debt settlement solution. Our initial pilot to 500,000 members quickly scaled to over 3 million members and continues to grow today. Integrated campaign A co-branded pilot marketing program was launched to members across multiple channels: Direct mail Email Custom landing pages Social media Results Members were able to improve their financial wellness, and our partner was able to expand the benefits it offers. Ongoing success The program was rolled out to an additional 3 million members. Marketing programs continue with direct mail and email-based integrated marketing campaigns. We have consulted with thousands of members to help them improve their finances. “Excellent system, professional and friendly agents, overall superb service so far.” Carlos O. “Freedom Debt Relief is the BEST! I would highly recommend them if you are experiencing financial issues! They have excellent Customer Service and help you along the process every step of the Way!” Angel K. “So far so good, the process to sign up was fantastic, the person that assisted me was great, very helpful and answered all of my questions. Being able to change my contact address and phone number to the dedicated Freedom contact info is absolutely amazing. All phone calls and letters go directly to them :).” Troy E. “Excellent system, professional and friendly agents, overall superb service so far.” Carlos O. “Freedom Debt Relief is the BEST! I would highly recommend them if you are experiencing financial issues! They have excellent Customer Service and help you along the process every step of the Way!” Angel K. “So far so good, the process to sign up was fantastic, the person that assisted me was great, very helpful and answered all of my questions. Being able to change my contact address and phone number to the dedicated Freedom contact info is absolutely amazing. All phone calls and letters go directly to them :).” Troy E. “Excellent system, professional and friendly agents, overall superb service so far.” Carlos O. Contact us We’d love to discuss how we can help your customers improve their financial health. Contact our Partners Team Explore additional opportunities MARKETING PARTNERS Affiliates program and marketing partnerships Learn more INVESTORS A human touch investment model Learn more DEBT MANAGEMENT RESOURCES Designing debt related benefits to match employee needs & preferences Learn more Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Investors | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 A differentiated investment model Our high-touch approach enables superior risk assessment, strong credit performance, and great consumer outcomes. Scroll Down Our high-touch approach enables superior risk assessment, strong credit performance, and great consumer outcomes. Delivering value for consumers and investors alike $21B+ consumer debt enrolled $5B+ of loan originations $7B+ consumer debt under management Attractive asset class The fintech revolution has enabled access to unsecured consumer loans, previously only available to banks. Unique diversification benefits Short duration, high yield, low correlation to other assets, and favorable performance through all economic environments. * There can be no assurance that Freedom’s investment objectives will be achieved, or that investment strategies will be successful. Past results are not necessarily indicative of future results. Historically low yields create timely opportunity Suppressed interest rates make high-yield, short-duration paper valuable for portfolio performance and optimization. Freedom ABS activity Freedom’s strong ABS program provides advantages along a number of dimensions. 7 deals completed to date $2.3 Billion in issuance with industry-leading execution prices Investment-grade ratings ratings by DBRS, Moody’s, and KBRA Scalable Enables greater scalability of funding Stable Significant advantage over term repo and overnight alternatives Lower cost of capital Match funding enables lowest possible cost of funding Contact us We’re ready to talk with you about investment opportunities. [email protected] Explore additional opportunities STRATEGIC PARTNERS Improve your customers’ finances, improve your business Learn more MARKETING PARTNERS Affiliates program and marketing partnerships Learn more CONTACT US How to connect with us Learn more Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Strategic Financial Solutions | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 How we help Everyone’s financial situation is different. We offer customized debt solutions to meet each consumer’s unique needs. Scroll Down Everyone’s financial situation is different. We offer customized debt solutions to meet each consumer’s unique needs. Helping consumers at scale 1,200+ customer-facing employees 75%+ US coverage 3,000+ creditor relationships Effective solutions for a range of consumer problems We provide debt relief, consolidation loans, and home equity solutions to help consumers address their debt. When appropriate, we refer consumers to providers offering other services. MORE SEVERE LESS SEVERE Bankruptcy Debt Relief Credit Counseling Personal Loans Mortgage/HELOC With our Freedom Debt Relief program, we negotiate debt reductions with creditors, enabling financially struggling consumers to resolve debt fast with affordable monthly program payments. MORE SEVERE Bankruptcy Debt Relief With our Freedom Debt Relief program, we negotiate debt reductions with creditors, enabling financially struggling consumers to resolve debt fast with affordable monthly program payments. Credit Counseling Personal Loans Mortgage/HELOC LESS SEVERE Supporting consumers, every step of the way We help people get on – and stay on – the path to a better financial future. Personal financial assessment Together with each potential customer, we review their credit report and tradelines, and we discuss their unique financial situation and goals. Solutions that work for them We recommend appropriate debt solutions they qualify for and that meet their immediate needs. Keep moving forward We help consumers solve their immediate financial problem – and then keep them on a path towards financial wellness. A better financial future We help consumers manage debt, improve their overall financial health, and learn to manage their money better. REAL PEOPLE, REAL RESULTS “I told them that here’s my situation. It’s not a good one, and I need to get out of debt. They really listened…” Hector When Hector fell behind on payments to creditors, his health suffered. He couldn’t sleep and was always worrying about what would happen if he couldn’t pay off his debt. When he called Freedom, he found peace of mind. We worked with him on a solution that fit his budget and put him on a better path. Our promise to our customers A human approach No matter what your situation, we always listen to you and treat you with respect, empathy and understanding. Personalized solutions We’ll work with you to customize a plan that fits your life today – and helps you get to where you want to be tomorrow. Moving you forward Every day, we’ll help you move your finances in a better direction. Once you meet one goal, we’re here to help you with the next one. Financially smarter We help you learn to manage your money with more confidence. Our clients tell us we transform how they think about and manage their money. Our goal is to help you improve your finances, make informed financial decisions and be confident in the decisions you make. However, neither Freedom Financial Network, LLC, nor any of its affiliates or subsidiaries are financial advisors, tax consultants, credit counselors or attorneys and nothing published on our websites should be construed as financial or legal advice. We recommend you consult with the appropriate professional before making any serious financial decisions. If we refer you to a partner who operates in one or more of these areas, we may be compensated by that partner but it will be them, and not us, who provides these services. Debt relief disclosure:  Our estimates are based on prior results, which will vary depending on your specific enrolled creditors and your individual program terms. Not all clients are able to complete their program for various reasons, including their ability to save sufficient funds. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states, including New Jersey, and our fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest. C.P.D. Reg. No. T.S.12-03825. Home Who We Help How We Help Solutions Financial Assessment Tools & Education Company Strategic Partners Marketing Partners Investors Contact Us Compliance Terms of Use Security Privacy Notice Privacy Policy/CCPA © 2020 Freedom Financial Network. All rights reserved Financial Wellness | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Financial assessment Helping consumers understand and improve their financial situation Scroll Down Helping consumers understand and improve their financial situation Guiding consumers to solutions that work for them With each potential customer, we review their unique financial picture and recommend appropriate solutions that they qualify for and that fit their goals and budget. Free personal consultation Our debt and loan consultants walk each consumer through their credit report and tradelines. Phone consultations can last 30 minutes or more and may include multiple calls. Evaluating appropriateness and fit As part of the assessment, we make sure the customer is qualified for any potential solutions. We check for specific financial hardships, and we confirm they feel they can afford monthly payments Customized recommendations Based on their financial profile and fit, we recommend solutions tailored to their needs. • Debt Relief • Personal Loans • Mortgage/HELOC solutions • Credit Counseling • Bankruptcy Keeping clients moving forward As our customers’ situation and needs change, we update our assessments and recommendations. AMANDA'S STORY This photo is not the client represented by this experience Confident and moving forward “Even though I had originally looked at something different, I felt glad that I had chosen this company because I felt they had pointed me in the direction that was best for me in the long-term...I just knew that I had gotten on the path that was the best.” “In thinking about the girls and their future, I want to be a good example for them of someone who saved, and was responsible, and didn't just accumulate debt...It's going to be on me to be the one to be an example for them, and I want to be a good one.” Unexpected financial hardship Amanda’s brother and sister-in-law died unexpectedly in an auto accident. They left two little girls behind, and Amanda became their legal guardian. Facing the unexpected expense of raising two girls, Amanda relied on credit cards. “Even though I had managed to sit down and figure out how much it cost to have two children...I had all this other debt that I had accrued during that time, and I couldn't even figure out how to get on top of it, let alone bring that number down to a place where I felt like I was even making any progress.” Personal financial assessment Amanda called FreedomPlus about a loan. When a loan consultant looked at her financial picture and listened to her goals, they saw she was unlikely to qualify for a loan she could afford. They explained that Freedom Debt Relief might fit her needs better. “The more we talked, the more I understood… letting myself have faith that together, working with the different people from within the company, we could find the best solution for me in the long-term.” On the path to debt freedom A debt consultant explained how Freedom Debt Relief could reduce her debt and resolve her enrolled debt faster, at a monthly program payment she could afford. Amanda enrolled in the program and received her first settlement in about 5 months. “The person that I talked to was patient, and he explained things really well. He answered all my questions, and I felt the longer we had talked, I felt like I understood my options and how the program would work. I really believed that there was that light at the end of the tunnel.” Faster progress towards financial health Amanda continued to make her Freedom Debt Relief deposits for 3 more months. Because of her consistent payment history, we offered her a fixed-rate acceleration loan through Consolidation Plus. She had just earned a raise at work and could afford the monthly loan payments. These funds enabled us to settle her debts sooner. “It felt really right, and I felt good. I felt this was progress in the right direction...once I sat down and did the math with all of our other bills and stuff, it was like, "Yeah, let's just do that and then keep moving forward." Confident and moving forward “Even though I had originally looked at something different, I felt glad that I had chosen this company because I felt they had pointed me in the direction that was best for me in the long-term...I just knew that I had gotten on the path that was the best.” “In thinking about the girls and their future, I want to be a good example for them of someone who saved, and was responsible, and didn't just accumulate debt...It's going to be on me to be the one to be an example for them, and I want to be a good one.” Unexpected financial hardship Amanda’s brother and sister-in-law died unexpectedly in an auto accident. They left two little girls behind, and Amanda became their legal guardian. Facing the unexpected expense of raising two girls, Amanda relied on credit cards. “Even though I had managed to sit down and figure out how much it cost to have two children...I had all this other debt that I had accrued during that time, and I couldn't even figure out how to get on top of it, let alone bring that number down to a place where I felt like I was even making any progress.” Personal financial assessment Amanda called FreedomPlus about a loan. When a loan consultant looked at her financial picture and listened to her goals, they saw she was unlikely to qualify for a loan she could afford. They explained that Freedom Debt Relief might fit her needs better. “The more we talked, the more I understood… letting myself have faith that together, working with the different people from within the company, we could find the best solution for me in the long-term.” On the path to debt freedom A debt consultant explained how Freedom Debt Relief could reduce her debt and resolve her enrolled debt faster, at a monthly program payment she could afford. Amanda enrolled in the program and received her first settlement in about 5 months. “The person that I talked to was patient, and he explained things really well. He answered all my questions, and I felt the longer we had talked, I felt like I understood my options and how the program would work. I really believed that there was that light at the end of the tunnel.” Faster progress towards financial health Amanda continued to make her Freedom Debt Relief deposits for 3 more months. Because of her consistent payment history, we offered her a fixed-rate acceleration loan through Consolidation Plus. She had just earned a raise at work and could afford the monthly loan payments. These funds enabled us to settle her debts sooner. “It felt really right, and I felt good. I felt this was progress in the right direction...once I sat down and did the math with all of our other bills and stuff, it was like, "Yeah, let's just do that and then keep moving forward." Confident and moving forward “Even though I had originally looked at something different, I felt glad that I had chosen this company because I felt they had pointed me in the direction that was best for me in the long-term...I just knew that I had gotten on the path that was the best.” “In thinking about the girls and their future, I want to be a good example for them of someone who saved, and was responsible, and didn't just accumulate debt...It's going to be on me to be the one to be an example for them, and I want to be a good one.” Our goal is to help you improve your finances, make informed financial decisions and be confident in the decisions you make. However, neither Freedom Financial Network, LLC, nor any of its affiliates or subsidiaries are financial advisors, tax consultants, credit counselors or attorneys and nothing published on our websites should be construed as financial or legal advice. We recommend you consult with the appropriate professional before making any serious financial decisions. If we refer you to a partner who operates in o Terms of Service | Freedom Financial Network Who we help How we help Who we are Solutions Company 800-330-3446 800-330-3446 Eligibility; Privacy Products and Services Modification of These Terms of Use License Grants Prohibited Conduct Ownership & Proprietary Rights Links to Third-Party Sites; Dealings with Third Parties Termination; Exclusive Remedy Indemnification No Warranty; Disclaimers Limitation of Liability Release Dispute Resolution Miscellaneous Disclaimers Freedom Financial Network, LLC. Website Terms of Use Last updated: November 6, 2023 These Website Terms of Use (including any document incorporated reference herein) for the Freedom Financial Network, LLC and any and all of its subsidiaries and affiliates (“Freedom”) websites and covers all aspects of your use of the websites and, to the extent not superseded by the terms and conditions of any contract we may sign with you, of any product or service that we may supply to you. PLEASE READ THESE TERMS OF USE CAREFULLY. BY REGISTERING FOR, ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD AND AGREE TO BE BOUND BY THESE TERMS OF USE. IF AT ANY TIME YOU DISAGREE WITH ANY OF THESE TERMS AND CONDITIONS, YOU SHOULD IMMEDIATELY CEASE YOUR USE OF THE WEBSITES. Eligibility; Privacy The products and services offered through the websites are not available to persons under the age of 18 or to persons who are not legal residents of the United States, by visa or otherwise. BY CLICKING ANY “SUBMIT” OR OTHER BUTTON OR BY ACCESSING, BROWSING OR OTHERWISE USING THE WEBSITES YOU REPRESENT AND WARRANT TO US THAT YOU ARE AT LEAST 18 YEARS OF AGE AND ARE A LEGAL RESIDENT OF THE UNITED STATES. Some of the products and services offered through the websites may be subject to additional terms and conditions, including those products and services offered by or through third-party providers. To the extent not inconsistent with these Terms of Use, these additional terms and conditions are hereby incorporated herein by reference; however, in the case of any inconsistency between these Terms of Use and any other document that is incorporated by reference herein, these Terms of Use shall control. Freedom has made a commitment to protecting the privacy of those who visit our websites and access the products and services available therein. Freedom’s Privacy Policy is hereby incorporated herein by reference. Products and Services Certain of the websites function as an online marketplace where visitors can research and submit requests for debt resolution services and research different types of home and consumer loans, as well as other products and services. You understand and agree that if you submit a request for a product or service or for further information relating to a product or service offered through any of the websites, Freedom will share such of your information as may be required in order to match you with selected providers of the products and/or services that you request. By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more providers of products and services by telephone, email or postal mail even if you have opted into the national Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List or the Do Not Call List of any specific institution. Modification of These Terms of Use Freedom reserves the right to change, modify, add or remove portions of these Terms of Use at any time by posting amended Terms of Use. Please check these Terms of Use periodically for changes. Your continued use of any of the websites after the posting of changes constitutes your binding acceptance of such changes. Except as stated elsewhere, such amended Terms of Use will be effective immediately and without further notice. License Grants Subject to your compliance with these Terms of Use, Freedom hereby grants you a personal, limited, non-exclusive, non-transferable revocable license to use the websites for purposes of accessing the information and contacting the providers of the products and services contained therein. Freedom expressly reserves all rights not specifically granted herein, including but not limited to the right to exercise whatever lawful means it deems necessary or appropriate to prevent unauthorized use of the websites. By using the websites, you hereby grant to Freedom a worldwide, non-exclusive, perpetual, irrevocable, transferable, sublicensable (through multiple tiers), assignable, royalty-free license to transfer, display, reproduce, distribute, modify and otherwise use your personal and other information, subject to the restrictions set forth herein (including Freedom’s Privacy Policy). Prohibited Conduct By using the websites, you agree not to: Use the websites for any purpose other than to access the information and contact the providers of the products and services advertised therein; submit, transmit or facilitate the distribution of information or content that is illegal, harmful, abusive, racially or ethnically offensive, vulgar, sexually explicit, defamatory, infringing, invasive of personal privacy or publicity rights, or in a reasonable person’s view, objectionable; attempt to interfere with, compromise the system integrity or security or decipher any transmissions to or from the servers running the websites or bypass the measures we may use to prevent or restrict access to the websites; take any action that imposes, or may impose at our sole discretion an unreasonable or disproportionately large load on our infrastructure; use any robot, spider, scraper or other similar system to access the websites; impersonate another person or otherwise misrepresent your affiliation with a person or entity, conduct fraud, hide or attempt to hide your identity; or submit, upload, post, email, transmit or otherwise make available any information or content that you do not have a right to make available under any law or under contractual or fiduciary relationships. Ownership & Proprietary Rights The websites are owned and operated by Freedom. All content displayed on the websites, as well as all visual interfaces, graphics, designs, information, computer code (including source code or object code), software and all other elements of the websites are protected by United States copyright, trade dress, patent and trade/service mark laws, international conventions, where applicable, and all other relevant intellectual property and proprietary rights and laws. Except as otherwise specified on the websites, all content contained on the websites is the property of Freedom and/or its third-party licensors. Except as expressly authorized by Freedom, you may not sell, license, distribute, copy, modify, publicly perform or display, transmit, publish, edit, adapt, create derivative works from or otherwise make any unauthorized use of such content. Links to Third-Party Sites; Dealings with Third Parties The websites may include links or references to other web sites owned or operated by third parties with which Freedom may have a relationship. Freedom has no control over such third party web sites and, thus, is not responsible for their availability, content or advertising, or any products or services available from such third parties. Your correspondence or business dealings with such third parties are solely between you and such third party. Access and use of such web sites is solely at your own risk. Your correspondence or business dealings with any third parties, including, but not limited to, business dealings with credit counseling services, debt settlement services, mortgage brokers or lenders, insurance agents or carriers or any other product or service provider are solely between you and such third party. Freedom is not responsible for any terms, conditions, warranties or representations associated with such dealings or liable for any loss or damage of any sort