Privacy Policy

1. Company Information & Contact Details

2. Our Business Model (Clear Disclosure)

TuGuiaDeFinanzas is a digital media, comparison, and performance marketing platform. We publish informational content and may connect consumers with third-party providers and partners offering products and services that may include (depending on the site): credit cards, personal loans, debt relief, credit repair, insurance products, banking products, credit monitoring, auto-related offers, home-related offers, and other consumer services.

We are not a lender, loan broker, debt settlement provider (unless explicitly stated), credit bureau, insurance carrier, or financial institution. Third-party providers determine eligibility, approval, and terms. We do not guarantee that you will qualify for any offer.

Revenue & Monetization: We may earn revenue through advertising, affiliate commissions, lead generation, co-registration, sponsorships, and other performance-based arrangements. These monetization methods may involve sharing certain information with partners as described in this Policy.

3. Definitions

• "Personal Information" / "Personal Data": Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked (directly or indirectly) with a particular consumer or household.
• "Sensitive Personal Information" (where applicable): Certain data categories treated as sensitive by law (e.g., precise geolocation, certain government identifiers, health data, etc.).
• "Processing": Any operation performed on information, such as collecting, using, storing, sharing, analyzing, deleting, or disclosing.
• "Partner": A third-party company we work with (e.g., advertisers, lead buyers, lenders, insurers, marketing platforms, analytics vendors).
• "Service Provider" / "Processor": A vendor that processes information on our behalf for business purposes under contractual restrictions.
• "Third Party": An entity that is not the Operator or our Service Provider (e.g., independent partner/advertiser).
• "Targeted Advertising" / "Interest-Based Advertising": Advertising selected based on your activities over time and across nonaffiliated websites or apps.

4. Information We Collect

We collect information in the categories below. Not all categories apply to every consumer or interaction.

4.1 Information You Provide Directly

Depending on the form or flow you use, you may provide:

• Name, email address, phone number
• Residential address, ZIP code
• Date of birth
• Employment status, household income ranges
• Business ownership and approximate business revenue ranges
• Housing status, vehicle ownership and vehicle details
• Veteran/military status when relevant
• Other questionnaire responses that help match you to offers

Government IDs: We generally do NOT request your SSN or ITIN number through the Services. We may ask whether you have an SSN/ITIN (yes/no) as a matching signal, but we do not request the actual number unless clearly stated at the point of collection.

Financial/credit indicators: We may ask for high-level, non-bureau indicators (e.g., estimated credit score range or "good/fair/poor"). We are not a credit bureau and typically do not pull consumer reports unless you transact directly with a third party.

4.2 Information Collected Automatically

When you use the Services, we automatically collect certain information such as:

• IP address, device identifiers
• Browser type/version, operating system, language
• Approximate location derived from IP
• Pages viewed, clicks, scrolls, time on page, referral URLs
• Diagnostic logs

4.3 Cookies, Pixels, SDKs, and Similar Technologies

We and our partners use cookies, pixels (web beacons), tags, SDKs, local storage, and similar technologies to:

• Provide core site functionality
• Remember preferences
• Measure and analyze performance
• Attribute traffic and conversions
• Prevent fraud and abuse
• Deliver and measure advertising, including interest-based ads
• Support compliance recordkeeping

Cookie categories may include: Strictly Necessary, Functional/Preferences, Analytics/Performance, and Advertising/Targeting. The availability of a cookie banner or preference center may depend on your location and applicable law.

4.4 Consent, Proof, and Compliance Metadata

To document consent and comply with TCPA/partner requirements, we may collect and store consent-related metadata such as:

• The exact consent language shown
• Timestamp, IP address, page URL, form version
• Campaign parameters (UTM) and event logs

We may also use third-party compliance tools to capture and store certificates of consent.

4.5 Communications Data

If you contact us or we contact you, we may collect and store communication records, including emails, chat transcripts, call logs, SMS logs, and—where permitted by law—call recordings and related metadata, for quality assurance, training, compliance, and dispute resolution.

4.6 Information from Partners & Third Parties

We may receive information from partners such as advertising networks, analytics providers, lead buyers, co-registration partners, and marketing platforms. This may include campaign/source data, conversion events, suppression lists, fraud signals, and match/decision outcomes.

4.7 Publicly Available Information

We may use limited publicly available information (where lawful) to help prevent fraud, enforce our policies, or enrich analytics—always subject to the purposes and limitations described in this Policy.

4.8 Information We Do Not Intend to Collect

Unless specifically requested for a particular offer and clearly disclosed at the time of collection, we do not intend to collect:

• Precise geolocation
• Biometric data
• Protected health information
• Full government ID numbers
• Information about children

5. How We Use Information (Detailed Purposes)

We use information for the purposes below. One interaction may involve multiple purposes.

Operate, maintain, and secure the Services

• Provide requested pages, forms, and features
• Authenticate and manage sessions
• Debug, fix errors, and maintain service quality
• Prevent abuse (bots, invalid traffic, scraping) and protect site integrity
• Monitor for malicious or prohibited activity

Match you to offers and deliver requested services

• Evaluate questionnaire responses to determine relevant offers
• Route your inquiry to appropriate partners or internal teams
• Provide comparison content and educational resources
• Facilitate lead delivery and confirm receipt/processing

Advertising, measurement, and attribution (including Google)

• Serve and measure contextual and interest-based advertising
• Attribute conversions to traffic sources
• Measure ad viewability and performance
• Limit ad frequency and reduce repetitive ads
• Detect invalid traffic and protect advertisers/publishers

Marketing communications & relationship management

• Send newsletters, product updates, and promotional messages
• Personalize communications based on your interactions and preferences
• Maintain suppression lists and honor opt-outs
• Run limited-time offers and relevant alerts

Co-registration, cross-offers, and partner marketing

• Present partner offers during or after form submission
• Share limited information with selected partners when you indicate interest or consent
• Use co-registration flows to expand relevant options without requiring repeat data entry

Analytics, product improvement, and modeling

• Understand user behavior and improve UX
• Test and optimize landing pages, forms, and messaging
• Build performance reports and forecasting
• Develop internal models to improve matching, fraud detection, and quality

Fraud prevention, compliance, and legal obligations

• Verify consent and maintain evidence (TCPA/partner audits)
• Detect suspicious patterns, invalid traffic, or misrepresentation
• Comply with subpoenas, court orders, and regulatory requests
• Enforce our Terms and policies
• Protect rights, safety, and property of the Operator, partners, and consumers

Corporate transactions

Support due diligence and business transfers (merger, acquisition, financing), subject to confidentiality safeguards.

5.1 Legal Bases (Where Applicable)

Some state laws require disclosures about the basis for processing. Depending on context, we process information: (a) to perform services you request; (b) for our legitimate business purposes (e.g., security, analytics, fraud prevention); (c) with your consent (e.g., certain marketing communications); and/or (d) to comply with legal obligations.

6. How We Disclose / Share Information

6.1 Service Providers (Processors)

We share information with vendors that provide services on our behalf (e.g., hosting, analytics, email/SMS delivery, CRM, fraud detection, compliance logging). They are contractually restricted to use the information only to provide services to us and to protect it.

6.2 Partners / Lead Buyers / Advertisers

If you request information, submit a form, or express interest in third-party products, we may share relevant information with partners (such as lenders, insurers, debt relief providers, and other advertisers) so they can contact you, evaluate eligibility, or provide offers. Partners' handling of your information is governed by their own privacy policies.

Lead Delivery Details: Depending on the offer and flow, data shared may include contact details, questionnaire responses, source/attribution data, and consent evidence. We may also receive partner feedback such as lead disposition, approval/denial, and conversion events for reporting and quality control.

6.3 Advertising & Analytics Partners

We share information with advertising networks, measurement platforms, and analytics providers. This may include identifiers and usage data used for ad delivery, attribution, and performance reporting.

6.4 Legal & Safety Disclosures

We may disclose information to government agencies, law enforcement, courts, and other parties when we believe in good faith that disclosure is reasonably necessary to: comply with a law, regulation, subpoena, or court order; protect our rights, property, or safety; prevent fraud; or respond to an emergency.

6.5 Corporate Transactions

In connection with a merger, acquisition, reorganization, sale of assets, or bankruptcy, information may be transferred as a business asset. We will endeavor to direct the transferee to use information in a manner consistent with this Policy.

7. Sale & Sharing Under State Privacy Laws

Certain disclosures described above may constitute a "sale" or "sharing" under state privacy laws (e.g., CCPA/CPRA, Virginia VCDPA, Colorado CPA, Connecticut CDPA). Where applicable, residents of those states have the right to opt out.

To exercise opt-out rights, email compliance@tuguiadefinanzas.com with the subject line "Do Not Sell or Share My Information."

We honor legally required opt-out preference signals, including Global Privacy Control (GPC), where applicable.

8. Cookies & Tracking Technologies

In addition to the cookies described above, we use third-party services such as Google Analytics, Google Ads, and Meta Pixel for advertising and traffic analysis.

You may manage cookies through your browser settings. Note that disabling cookies may impact some features of the Services.

9. Data Retention

We retain information only for as long as reasonably necessary to fulfill the purposes described in this Policy, comply with legal obligations, resolve disputes, and enforce our agreements. Retention periods depend on:

• The nature of the data
• Legal and regulatory obligations
• Fraud prevention needs
• Operational requirements
• Consent evidence retention for TCPA defense

When data is no longer needed, it is securely deleted or anonymized.

10. Data Security

We implement commercially reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, disclosure, alteration, and destruction. These include encryption, access controls, monitoring, and secure hosting. No method is 100% secure, and we cannot guarantee absolute security.

11. Your Privacy Rights

Depending on your state of residence, you may have the following rights regarding your personal information:

• Right to Access: Request details about what personal information we have collected
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of your personal information
• Right to Limit: Limit certain uses of Sensitive Personal Information
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

To exercise any of these rights, contact us at compliance@tuguiadefinanzas.com. We will verify your identity before responding to certain requests.

12. State-Specific Privacy Compliance

We comply with applicable state privacy laws, including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Utah (UCPA), and Connecticut (CDPA). For California-specific rights, please see our CCPA Policy.

13. Federal Regulations

We acknowledge HIPAA for healthcare-related data, the Gramm-Leach-Bliley Act for financial information, and COPPA restrictions on collecting data from minors under 13.

14. Children's Privacy

Our Services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 13. If we learn that we have collected information from a child under 13, we will promptly delete it.

15. Third-Party Links

Our Services may contain links to third-party websites. We are not responsible for the privacy practices of those websites. We encourage you to read the privacy policies of each website you visit.

16. Changes to This Privacy Policy

We may update this Policy periodically to reflect changes in law, technology, or business practices. Any changes will be reflected by updating the "Last Updated" date above. Continued use of the Services after changes constitutes acceptance of the updated Policy.

17. Contact Information

For questions about this Privacy Policy or to exercise your privacy rights, contact: