Privacy Policy

This Privacy Policy applies solely to Southwood Financial LLC online information gathering and dissemination practices in connection with this website (collectively, the “Site”), and does not apply to any of our practices conducted offline or outside of the U.S.  We do not collect any personally identifiable information from you (e.g., name, address, telephone number, email address) when you view the Site. Should you voluntarily choose to submit or otherwise disclose such information to us, including information submitted or disclosed by mail, telephone, fax or electronically, it is not governed by this. 

FDCPA Disclosure: Nothing in this privacy policy shall permit the disclosure of information to third parties in violation of the Fair Debt Collection Practices Act.

Privacy Policy

Southwood Financial LLC is committed to protecting your privacy. When you use the Site, you consent to the use of your non-personal information by Southwood Financial in the manner specified in this Privacy Policy. This policy may change periodically, so please check back from time to time. By your continued use of the Site, you consent to the terms of the revised policy. For your information, the date of the last update to this Privacy Policy is July 16, 2025.

If you have any questions or comments about this Privacy Policy or our practices regarding your information, please contact us at the following address.
Southwood Financial LLC
45610 Woodland Road
Suite 440
Sterling, VA 20166
Ph: 703-674-4718
Toll-Free: 888-376-1775

WHAT INFORMATION WE COLLECT AND HOW WE USE THAT INFORMATION

You may view the Site without disclosing to us any personally identifiable information. We do not collect any personally identifiable information from you (e.g., name, address, telephone number, email address) when you view the Site. If you contact us, we may keep a record of your contact information and correspondence. By contacting us, you consent to us contacting you, using your information to respond to you regarding the reason you contacted us. Unless you ask us not to, we may at our sole discretion contact you via email in the future to communicate regarding your account(s) with our office. We are not obligated to correspond via email. If you wish to change any information submitted to us, please do so by contacting us at the address provided above. 

Depending on your location, you may have the rights such as accessing the personal information we hold about you, requesting corrections or deletions and opting out of marketing communications. To exercise any of these rights, contact us at the address listed above. 

Cookies

We may use cookies to collect non-personally identifiable information in connection with the Site. Our web pages may incorporate “pixel tags,” “web beacons,” or similar tracking technologies (collectively, “pixel tags”) that allow us or our agents to track the actions of users of the Site. Pixel tags are used to collect non-personally identifiable information, such as name of your Internet service provider, the IP address of the computer you are using, the type of browser software and operating system that you use, the date and time you access the Site, the website address, if any from which you linked directly to the Site, the website address, if any, to which you travel from the Site and other similar traffic-related information. We may also aggregate your information with similar data collected from other users to help us improve the Site and the services that we provide through the Site. We may use cookies to keep track of the number of return visits to the Site; accumulate and report aggregate, statistical information on website usage.  You can disable cookies, although our website may not function properly for you. Your browser preferences can be modified to accept or reject all cookies, or request a notification when cookies are set. 

We may also share your information with Third-party service providers such as payment processors, could hosting providers, and IT support, only as necessary to perform services on your behalf. Your information will only be shared with affiliated companies or partners if necessary and authorized for debt servicing or compliance purposes. All third parties are bound by contractual obligations to keep your information confidential and use it only for the intended purpose. 

In the event of a sale or transfer of assets or of any portion of our business, we reserve the right to transfer any and all information that we collect from users, or that we otherwise collect in connection with the Site, to unaffiliated third parties or third parties. 

Monitoring Enforcement and Legal

Southwood Financial LLC has no obligation to monitor the Site or use of the Site or to retain the content of any user session. However, Southwood Financial LLC reserves the right, at all times, to monitor, review, retain and/or disclose any information, as necessary, to satisfy any applicable law, regulation, legal process or governmental request or to cooperate with law enforcement and other authorities’ investigation into a claim of illegal activity. We may use IP addresses to identify a user when we feel it is necessary to protect the Site, our service, clients, potential clients or others. 

We take reasonable measures to protect your information from unauthorized access, loss, misuse, or alteration. However, no method of transmission over the Internet is 100% secure. 

Other Sites

Except as otherwise expressly discussed in this Privacy Policy, this policy only addresses our use and disclosure of information we collect from you. Any email messages and associated information that you send to addresses published on the Site are not governed by this policy. To the extent that you disclose personal or non-personal information to other sites, you are subject to the privacy customs and policies of those sites. We encourage you to ask questions before you disclose any personal information. 

No Information Collected From Children

Our website is not intended for children under 13. We do not knowingly collect personal information from children. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 13, that information will be immediately deleted from our database as required by applicable law.

CALIFORNIA RESIDENTS: PRIVACY POLICY NOTICE

This Privacy Policy explains how we collect, use, disclose, and protect personal information of California resides, and describes your rights under the California Consumer Privacy Act (“CCPA”), as amended by the California Privacy Rights Act (“CPRA”). 

This notice applies only to California resides and supplements our general Privacy Policy. 

Categories of Personal Information We Collect

In the Past 12 months, we have collected the following categories of personal information from consumers for our business purposes:

  • Identifies (such as name, postal address, email address, telephone number, account number, Social Security Number).
  • Financial information (such as account balances, payment history, credit information).
  • Commercial information (such as transaction history with the creditor or original account).
  • Internet or other electronic network activity (such as website activity logs).
  • Geolocation data (general location derived from IP address).
  • Audio information (recordings of telephone calls, if applicable).
  • Professional or employment-related information (if provided during the account servicing process).

We collect this information directly from you, from our client (original creditors) and from publicly available sources. 

Purpose of Collection 

We use personal information to:

  • Collect and process outstanding debts
  • Communicate with you about your account
  • Respond to consumer requests and disputes
  • Comply with applicable laws and regulations
  • Maintain records as required by law
  • Improve our website and services

Disclosure of Personal Information

We do not sell or share your personal information. We may disclose your personal information to:

  • Our clients (original creditors) as part of our servicing agreement.
  • Service providers (such as collection agencies, mailing vendors, IT providers, payment processors) who assist us in our operations.
  • Regulatory agencies, courts, or law enforcement, if required by law. 

These parties are bound by contractual obligations to safeguard your information.

Your Rights Under CCPA

If you are a California resident, you have the following rights:

  • Right to Know: you can request that we disclose the categories and specific pieces of personal information we have collected, used, disclosed or shared about you in the past 12 months. 
  • Right to Delete: you can request that we delete your personal information, subject to certain exceptions allowed by law (such as completing a transaction, complying with a legal obligation, or protecting against fraud).
  • Right to Correct: You can request that we correct the inaccurate personal information we maintain about you. 
  • Right to Opt Out of Sale/Sharing: We do not sell or share your personal information. If that changes, we will update this policy and provide an opt-out mechanism. 
  • Right to Limit Use of Sensitive Personal Information: If we collect sensitive personal information beyond what is necessary to perform our services, you have the right to limit its use or disclosure. 

How to Exercise Your Rights

You may submit a verifiable consumer request to us by:

We will respond within the timeframes required by law and will not discriminate against you for exercising your privacy rights. 

Non-Discrimination

We will not deny you services or provide you with a different level or quality of service because you exercised your privacy rights under the CCPA.

Contact Us

If you have any questions about this Privacy Policy or our privacy practices, please contact us:
Southwood Financial LLC
45610 Woodland Road
Suite 440
Sterling, VA 20166
Ph: 703-674-4718
Toll-Free: 888-376-1775