Privacy Policy

Last Updated: March 18, 2026

Credence Financial Services LLC ("Credence," "CFS," "we," "us," or "our") is committed to protecting your privacy and safeguarding your personal and financial information. This Privacy Policy explains how we collect, use, store, and share personal information, including information provided when you register for services, submit forms, register for webinars, or consent to receive SMS, phone, or email communications.

By submitting your information or opting in to receive communications from us, you agree to the terms of this Privacy Policy.

1. Information We Collect

We may collect nonpublic personal information about you from the following sources:

a. Information You Provide Directly

  • Name, address, email address, phone number
  • Social Security number
  • Financial information, assets, income, and credit-related data
  • Information submitted through applications, website forms, or third-party lead forms
  • Communication preferences and consent records (including SMS opt-in)

b. Information Collected Automatically

  • IP address, browser type, operating system
  • Device and network information
  • Website usage data, including page visits and interaction data
  • Engagement data related to emails and SMS (e.g., message responses)

c. Information from Third Parties

  • Consumer reporting agencies (creditworthiness, credit history)
  • Service providers and affiliates
  • Lead generation or form submission partners

2. How We Use Your Information

We use your information for purposes including:

  • Providing Services: Processing applications, managing accounts, and fulfilling transactions
  • Communications: Sending SMS messages, emails, and phone calls related to account activity, service updates, webinars, appointment reminders, rate alerts, and relevant information
  • Marketing: Delivering promotional communications consistent with your consent and applicable laws
  • Compliance: Meeting legal, regulatory, and reporting obligations
  • Security & Fraud Prevention: Protecting against unauthorized activity
  • Service Improvement: Analyzing trends and improving our services, website functionality, and communications

3. How We Share Your Information

We do not sell, rent, or lease your personal information.

We may disclose personal information as permitted by law in the following circumstances:

  • To service providers and vendors that perform services on our behalf (e.g., email and SMS delivery platforms) under strict confidentiality obligations
  • To affiliates, as allowed by applicable laws
  • To enforce or administer transactions you request or authorize
  • To prevent fraud, unauthorized transactions, or security risks
  • To comply with federal, state, or local laws, regulations, subpoenas, or court orders
  • To consumer reporting agencies in accordance with the Fair Credit Reporting Act

Important A2P / SMS Disclosure: Text messaging originator opt-in data and consent will not be shared, sold, rented, or disclosed to any third parties, except to aggregators and service providers necessary to deliver text messaging services.

As required by the Gramm-Leach-Bliley Act (GLBA), we will provide you with an annual privacy notice describing our information sharing practices. You have the right to opt out of certain information sharing as described in that notice.

4. Consent for SMS, Email, and Phone Communications

By providing your contact information and affirmatively opting in, you consent to receive communications from Credence Financial Services LLC, including:

  • SMS text messages related to your inquiry, application, or account, as further described in Section 2
  • Emails regarding your inquiry, application, or account
  • Phone calls, including those using automated dialing systems or prerecorded messages

Consent is not a condition of purchase or of receiving any service. Message frequency may vary. Message and data rates may apply.

5. Opt-Out and Your Choices

You may opt out of communications at any time:

  • SMS: Reply "STOP" to any text message to unsubscribe. You will receive a single immediate confirmation message confirming unsubscribe — no links, no offers, no additional content. No further SMS of any type will be sent without a new affirmative written opt-in. Reply "HELP" for assistance.
  • Email: Click the "unsubscribe" link in any marketing email.
  • Phone: Inform us during a call or contact us directly using the information below.

Even after opting out of marketing messages, you may continue to receive transactional or service-related communications as permitted by law.

6. Data Retention

We retain personal information for the period necessary to fulfill the purposes outlined in this Privacy Policy, and for the periods required by applicable federal and state law. Specific retention periods include:

  • Mortgage loan applications and related records: A minimum of 25 months following the date of action taken (ECOA), and up to 3 years as required by RESPA and HMDA where applicable
  • Bank Secrecy Act / AML records: A minimum of 5 years
  • General business and compliance records: Up to 7 years or as otherwise required by law
  • Marketing consent and opt-in records: For the duration of the consent and for a reasonable period thereafter to demonstrate compliance

When information is no longer required for legal or business purposes, we dispose of it securely.

7. Security of Your Information

We maintain a written information security program that complies with the FTC Safeguards Rule and applicable federal regulations, including physical, administrative, and technical safeguards appropriate to the size and complexity of our operations and the sensitivity of the information we handle.

We restrict access to nonpublic personal information, including Social Security numbers and financial data, to employees and service providers who require it to perform their job functions. All such parties are subject to confidentiality obligations.

While we use commercially reasonable measures to protect your information, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.

8. Your Privacy Rights

Depending on applicable law and your location, you may have the right to:

  • Access your personal information and request a copy
  • Request corrections or updates to inaccurate information
  • Request deletion of certain data (subject to legal retention requirements)
  • Request data portability in a structured, machine-readable format
  • Opt out of certain sharing of your information as described in our annual GLBA privacy notice

To exercise any of these rights, please contact us using the information in Section 12. We will respond within a reasonable timeframe and as required by applicable law. We will not discriminate against you for exercising your privacy rights.

9. Third-Party Websites

Our website or communications may contain links to third-party websites. We are not responsible for the privacy practices of those sites and encourage you to review their privacy policies independently before providing any personal information.

10. Children's Privacy

Our services are intended for adults. We do not knowingly collect personal information from individuals under the age of 18. If you believe we have inadvertently collected information from a minor, please contact us immediately and we will take steps to delete it.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or applicable law. Updates will be posted on our website with a revised "Last Updated" date. For material changes, we will provide additional notice as required by law. Your continued use of our services following notice of changes constitutes acceptance of the updated policy.

12. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how we handle your information, please contact us:

Credence Financial Services LLC
53 Darby Road, Suite K
Paoli, PA 19301

Website: www.credencefins.com
Email: privacy@credencefins.com
Office: (610) 477-0858
Toll-Free: 1-888-862-1720
NMLS ID #: 2461963

Credence Financial Services LLC is a licensed mortgage lender. NMLS ID #2461963. Equal Housing Opportunity. This privacy policy is provided in accordance with the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and other applicable federal and state laws. This document does not constitute legal advice. If you have questions about your rights under applicable law, we recommend consulting a qualified attorney.