Privacy Policy

ONLINE PRIVACY POLICY

Effective Date: September 06, 2026
Last Updated: September 06, 2026

1. Introduction

Financial International, referred to in this Privacy Policy as “Financial International,” “Company,” “we,” “us,” or “our,” respects the privacy of individuals who interact with us.

This Privacy Policy explains how we collect, use, disclose, retain, and protect personal information in connection with:

Our website at https://www.financialinternational.com;
Online forms, portals, and applications;
Products and services we provide;
Telephone, email, SMS, MMS, and text-message communications;
Electronic records and electronic-signature processes;
Customer service and business communications; and
Other interactions that link to or reference this Privacy Policy.

This Privacy Policy applies to personal information collected online and, where stated, information collected offline.

Some financial products or services may be subject to additional privacy notices, including a federal financial privacy notice. If another privacy notice applies to a particular financial relationship or information category, that notice may supplement or control over this Privacy Policy for that relationship or information.

2. Company Contact Information

Financial International
1605 W. Olympic Boulevard, Suite 9057
Los Angeles, California 90015-3808

Privacy telephone: (213) 443-8498 [VERIFY]
General office: (213) 487-0587 [VERIFY]
Toll free: (833) 605-2155
Fax: (213) 468-5100
Email: info@financialinternational.com
Website: https://www.financialinternational.com

Before publication, Financial International should verify:

Its exact registered legal name;
Whether “Financial International” is a DBA;
Its correct privacy telephone number;
Its principal business and mailing address; and
The regulator or agency primarily responsible for its financial activities.

3. Personal Information We Collect

The personal information we collect depends on how you interact with us and which products or services you request.

3.1 Identifying and contact information

We may collect:

Name;
Mailing address;
Email address;
Telephone and mobile telephone numbers;
Date of birth;
Username or account identifier;
Signature; and
Other information used to identify or contact you.

3.2 Financial and transaction information

Depending on the requested Service, we may collect:

Billing information;
Payment information;
Bank or financial account information;
Transaction and payment history;
Income or employment information;
Assets, liabilities, or expense information;
Information contained in financial applications;
Information needed to evaluate eligibility for a requested Service; and
Other financial information you choose or are required to provide.

Payment-card information may be processed by a third-party payment processor. Financial International should verify whether it directly stores full payment-card numbers.

3.3 Government and identity-verification information

When reasonably necessary or legally required, we may collect:

Social Security number or partial Social Security number;
Tax identification number;
Driver’s license or state identification information;
Passport information;
Copies of identification documents;
Identity-verification results;
Authentication information; and
Fraud-prevention or sanctions-screening results.

Do not send Social Security numbers, complete financial account numbers, passwords, authentication codes, or identification documents by ordinary email or text unless we provide a secure and specifically authorized method.

3.4 Account and customer-service information

We may collect:

Account credentials;
Account preferences;
Questions and customer-service requests;
Complaint information;
Application status;
Records of products or services requested;
Account activity; and
Communications with our personnel.

3.5 Credit and consumer-report information

When authorized by you and permitted by law, we may obtain or use:

Credit reports;
Consumer reports;
Credit scores;
Credit history;
Public-record information;
Fraud or identity-verification information; and
Information from consumer-reporting agencies or other authorized sources.

When required, Financial International will obtain a separate authorization before obtaining or using a consumer report.

3.6 Internet and device information

When you visit the Site or use an online Service, we may automatically collect:

Internet Protocol address;
Browser type;
Operating system;
Device type;
Device identifiers;
Referring and exit pages;
Pages visited;
Date and time of access;
Approximate location derived from an IP address;
Clickstream and interaction data;
Cookie and similar-technology identifiers; and
Site-performance and diagnostic information.

3.7 Communications information

We may collect or create records associated with:

Emails;
Telephone calls;
Voicemail;
SMS, MMS, and text messages;
Customer-support conversations;
Appointment requests;
Communication preferences;
Marketing-consent records; and
Opt-out or consent-withdrawal requests.

If calls are recorded or monitored, we will provide notice and obtain consent where required by applicable law.

3.8 Electronic-record and signature information

When you consent to use electronic records or provide an electronic signature, we may collect:

The document or record presented;
Document and policy version numbers;
Your typed, drawn, uploaded, or applied signature;
Date and time of consent or signature;
IP address;
Device and browser information;
Authentication and verification information;
One-time-passcode events;
Audit-trail information;
Delivery and viewing records; and
Records showing your intent to sign or consent.

An electronic signature or contract generally may not be denied legal effect solely because it is electronic. When legally required consumer disclosures are delivered electronically, additional affirmative consent, paper-copy, withdrawal, contact-update, and hardware or software disclosures may be required.

3.9 Sensitive personal information

Depending on the requested Service, we may collect sensitive personal information, such as:

Social Security or government-identification numbers;
Financial account credentials;
Precise geolocation, if actually used;
Account login credentials;
Racial or ethnic origin when specifically required or permitted by law;
Health information when relevant to and permitted for a requested Service; or
Other information classified as sensitive under applicable law.

Financial International will collect and use sensitive personal information only for disclosed, lawful, and reasonably necessary purposes.

We do not intend to collect religious beliefs, political affiliations, or information about protected characteristics for general marketing or customer profiling.

4. Sources of Personal Information

We may collect personal information from:

You directly;
Your authorized representative;
Applications, forms, documents, and communications you submit;
Your use of the Site;
Cookies and analytics technologies;
Financial institutions and payment processors;
Credit bureaus or consumer-reporting agencies, when authorized;
Identity-verification and fraud-prevention providers;
Service providers and business partners;
Government agencies and public records;
Affiliates, where legally permitted; and
Other sources at your direction or with your authorization.

We will not knowingly obtain information through unlawful pretexting or misrepresentation.

5. Why We Collect and Use Personal Information

We may collect and use personal information to:

Respond to questions and requests;
Provide, administer, and support products or services;
Process applications, transactions, and payments;
Create and manage accounts;
Verify identity and authority;
Authenticate users and electronic signatures;
Deliver electronic records and disclosures;
Schedule and manage appointments;
Communicate about applications, accounts, documents, and services;
Send security, fraud, identity-verification, and service alerts;
Maintain transaction, consent, and signature audit trails;
Detect, investigate, and prevent fraud, abuse, and security incidents;
Maintain and improve the Site and Services;
Perform analytics and measure Site performance;
Personalize permitted aspects of the user experience;
Send marketing communications when permitted and, when required, with consent;
Process communication preferences and opt-out requests;
Comply with accounting, tax, reporting, licensing, recordkeeping, and legal requirements;
Respond to lawful subpoenas, court orders, and government requests;
Establish, exercise, or defend legal claims;
Protect the rights, safety, property, and security of customers, the Company, and others;
Conduct audits, risk assessments, compliance reviews, and investigations; and
Complete a merger, financing, acquisition, reorganization, or other lawful business transaction.

We will not use personal information for a new purpose that is materially incompatible with the disclosed purpose without providing notice and obtaining consent when required.

6. Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, local storage, software development kits, and similar technologies to:

Operate the Site;
Remember settings;
Maintain sessions;
Authenticate users;
Protect against fraud and unauthorized access;
Understand Site usage;
Diagnose technical problems;
Measure Site performance; and
Support advertising or marketing where permitted.

6.1 Categories of cookies

The Site may use:

Strictly necessary cookies: Required for security, authentication, forms, and core Site functions.
Preference cookies: Remember choices and settings.
Analytics cookies: Help us understand Site performance and use.
Advertising cookies: May be used to measure or personalize advertising, if Financial International uses such technology.

6.2 Cookie controls

You may be able to manage cookies through:

Browser settings;
A Site cookie-preference tool;
Device settings;
An applicable “Do Not Sell or Share My Personal Information” link; or
A legally recognized opt-out preference signal.

Disabling necessary cookies may prevent parts of the Site from functioning properly.

Financial International should inventory all cookies, pixels, analytics tools, and advertising technologies before publishing this section.

7. SMS, MMS, and Text-Message Privacy

7.1 Information collected through text messaging

If you enroll in or use a text-message program, we may collect:

Your mobile number;
Message content;
Date and time of messages;
Delivery status;
Carrier and routing information;
Consent records;
Program enrollment information;
HELP requests;
Opt-out requests; and
Customer-service records associated with the conversation.

7.2 How text-message information is used

We may use text-message information to:

Respond to inquiries;
Send requested information;
Provide appointment reminders;
Communicate about applications or accounts;
Send security or identity-verification alerts;
Notify you that a document is available;
Provide customer support;
Maintain evidence of consent and revocation;
Comply with legal requirements; and
Send marketing messages when separate consent has been obtained.

7.3 Transactional and marketing messages

Transactional messages may relate to a request, application, appointment, account, document, security event, payment, or existing customer relationship.

Marketing messages may advertise or promote products or services. Marketing messages are optional, and consent to receive them is not a condition of purchasing or receiving property, goods, or services.

Consent to receive marketing messages should be obtained through a clear, conspicuous, separate, and unchecked selection.

7.4 Text-message disclosures

Message frequency varies. Message and data rates may apply. Message delivery is not guaranteed and depends on your carrier, network, device, and other factors. Wireless carriers are not responsible for delayed or undelivered messages.

7.5 Opting out

You may request to stop automated text messages by replying:

STOP
CANCEL
END
QUIT
REVOKE
OPT OUT
UNSUBSCRIBE

You may also contact us at:

Email: info@financialinternational.com
Privacy telephone: (213) 443-8498 [VERIFY]
Toll free: (833) 605-2155

We will process reasonable revocation requests as required by law. We may send one final non-marketing message confirming the opt-out request.

Reply HELP for assistance.

The FCC has established protections intended to make revocation of robocall and robotext consent straightforward and timely. Although the FCC extended one limited cross-category component of its rule until January 31, 2027, that extension does not eliminate existing obligations to recognize and process reasonable revocation requests.

7.6 Text-message service providers

We may disclose relevant information to telecommunications carriers, messaging platforms, customer-relationship management providers, and other service providers that transmit or manage messages for us.

We do not sell mobile opt-in data, text-message consent records, or mobile numbers to third parties for their independent marketing purposes.

We do not authorize service providers to use mobile opt-in information for purposes unrelated to providing services for Financial International, except as required by law.

7.7 Reassigned numbers

You agree to notify us if your mobile number is disconnected, reassigned, transferred, or no longer used by you. We may use reasonable measures to identify reassigned or invalid numbers.

7.8 Sensitive information by text

Unless we expressly provide a secure and authorized method, do not send Social Security numbers, full financial account numbers, copies of identification, passwords, authentication codes, or other sensitive information by text message.

8. Electronic Records and Digital Signatures

If you choose to conduct business electronically, we may use personal information to:

Present electronic disclosures and agreements;
Authenticate your identity;
Confirm your access to electronic records;
Apply or verify an electronic signature;
Deliver signed copies;
Track document status;
Prevent fraud;
Maintain an audit trail; and
Demonstrate the validity and integrity of a transaction.

An electronic-signature platform may collect IP address, timestamps, browser and device information, authentication data, document events, signature data, and completion records.

A privacy policy does not, by itself, replace the separate consumer consent that may be required for electronic delivery of legally required written disclosures. The electronic-consent screen should explain:

The records covered;
Paper-copy rights;
How to withdraw consent;
How to update contact information;
Hardware and software requirements;
Any fees or consequences associated with withdrawal; and
How the consumer demonstrates the ability to access the electronic format.

You may withdraw consent to future electronic delivery using the procedures stated in the applicable electronic-delivery disclosure. Withdrawal will not invalidate electronic signatures or records completed before the withdrawal became effective.

9. How We Disclose Personal Information

We may disclose personal information to the following categories of recipients.

9.1 Service providers and contractors

We may disclose information to vendors that provide:

Website hosting;
Cloud storage;
Cybersecurity;
Payment processing;
Customer support;
Email delivery;
SMS and telecommunications services;
Electronic-signature services;
Document management;
Identity verification;
Fraud prevention;
Analytics;
Accounting;
Auditing;
Compliance;
Professional consulting; and
Other operational functions.

These providers may use personal information only for contracted purposes and as otherwise permitted by law.

9.2 Financial and transaction parties

At your request or as necessary to provide a Service, we may disclose information to:

Financial institutions;
Lenders;
Payment processors;
Credit bureaus;
Consumer-reporting agencies;
Account servicers;
Settlement or transaction professionals;
Insurers;
Tax professionals; or
Other parties involved in the requested transaction.

The specific recipients depend on the Services Financial International actually provides.

9.3 Affiliates and business partners

We may disclose information to affiliated companies and business partners when:

Necessary to provide a requested product or Service;
Disclosed at collection;
Authorized by you;
Permitted under applicable financial privacy laws; or
Otherwise permitted by law.

We will not disclose mobile marketing-consent information to another company so that it can independently market by text unless you give legally sufficient consent specifically covering that company.

9.4 Legal, regulatory, and safety disclosures

We may disclose information when reasonably necessary to:

Comply with a law, regulation, subpoena, warrant, court order, or lawful governmental request;
Cooperate with regulators and licensing authorities;
Investigate or prevent fraud, abuse, or security incidents;
Enforce agreements;
Protect legal rights, safety, and property;
Respond to an emergency; or
Establish, exercise, or defend a legal claim.

9.5 Business transfers

Information may be reviewed, disclosed, or transferred in connection with:

A merger;
Acquisition;
Financing;
Reorganization;
Sale of assets;
Bankruptcy;
Due diligence; or
A similar business transaction.

An acquiring entity’s use of information will remain subject to applicable law and any privacy commitments that continue to apply.

9.6 Aggregated or deidentified information

We may use and disclose information that has been aggregated or deidentified so that it cannot reasonably be linked to an individual, subject to applicable law.

We will not attempt to reidentify deidentified information except as permitted to test whether deidentification measures are effective or as otherwise allowed by law.

10. Sale and Sharing of Personal Information

Financial International does not sell customer lists or personal information for monetary payment.

California law may define“sell” and“share” more broadly than an exchange for money. Certain advertising, analytics, referral, or cookie-related practices could qualify as a sale or sharing under California law.

Before publication, Financial International must select the statement that accurately describes its activities:

Option A: No sale or sharing

Financial International has not sold or shared personal information for cross-context behavioral advertising during the preceding 12 months and does not have actual knowledge that it sells or shares the personal information of consumers under 16 years of age.

Option B: Sale or sharing occurs

Financial International may sell or share certain internet, device, and commercial information for advertising or cross-context behavioral advertising. California residents may opt out by using the “Do Not Sell or Share My Personal Information” link or a recognized opt-out preference signal.

Do not publish both options.

California requires covered businesses to maintain a Privacy Policy and Notice at Collection and, when applicable, provide methods to opt out of sale or sharing and limit certain uses of sensitive personal information.

11. Data Retention

We retain personal information only for as long as reasonably necessary for the purposes described in this Policy, including to:

Provide Services;
Maintain accounts and transaction records;
Fulfill contractual obligations;
Meet financial-services and licensing requirements;
Comply with tax, accounting, audit, and legal obligations;
Preserve consent and electronic-signature records;
Process opt-out and suppression requests;
Prevent fraud;
Resolve disputes;
Enforce agreements; and
Establish or defend legal claims.

Retention periods depend on:

The type and sensitivity of the information;
The Service involved;
The duration of the customer relationship;
Applicable legal and regulatory requirements;
Limitation periods;
Litigation holds;
Fraud and security considerations; and
Whether deletion is technically and legally permissible.

We may retain limited contact and opt-out information after a marketing withdrawal to ensure that the preference continues to be honored.

Financial International should maintain an internal retention schedule identifying the retention period for each information category. California’s Notice at Collection should disclose the applicable retention period or the criteria used to determine it.

12. Data Security

We use administrative, technical, and physical safeguards designed to protect personal information. Depending on the information and system, these safeguards may include:

Transport Layer Security encryption;
Access controls;
Multifactor authentication;
Network and endpoint security;
Logging and monitoring;
Employee confidentiality obligations;
Security training;
Vendor-risk management;
Incident-response procedures;
Data minimization;
Backup controls; and
Secure disposal practices.

No website, network, transmission method, storage system, or security program can be guaranteed to be completely secure. You should use strong, unique passwords, protect your devices, and notify us promptly if you suspect unauthorized account activity.

If Financial International is covered by the FTC Safeguards Rule, it must develop, implement, and maintain an information-security program with administrative, technical, and physical safeguards appropriate to customer information.

13. Your Privacy Choices

13.1 Marketing emails

You may unsubscribe from marketing emails using the unsubscribe link in the message or by emailing info@financialinternational.com.

Unsubscribing from marketing does not stop transactional, security, account-related, or legally required communications.

13.2 Text messages

You may opt out of automated text messages as described in Section 7.

13.3 Cookies

You may manage available cookies through browser settings or a Site preference tool. If California law applies, you may also use applicable privacy links or a recognized opt-out preference signal.

13.4 Account and contact information

You may request correction of account or contact information by contacting us. We may need to verify your identity before making a change.

13.5 Electronic delivery

You may withdraw consent to future electronic delivery as described in the applicable electronic-record consent. Withdrawal does not invalidate records or signatures completed before withdrawal.

14. California Privacy Rights

If the CCPA applies to Financial International and the information is not subject to an applicable exemption, a California resident may have the right to:

Know the categories and specific pieces of personal information collected;
Know the sources and purposes of collection;
Know the categories of third parties to which information is disclosed;
Request access to personal information;
Request deletion;
Request correction of inaccurate personal information;
Opt out of the sale or sharing of personal information;
Limit certain uses and disclosures of sensitive personal information;
Receive information in a portable format where applicable; and
Receive equal service and pricing without unlawful retaliation for exercising privacy rights.

The CCPA contains exemptions and limitations, including provisions that may apply to information governed by other financial privacy laws. The availability of a particular CCPA right therefore depends on the information and Financial International’s relationship with the consumer.

The CCPA effective January 1, 2026 identifies rights involving access, deletion, correction, sale or sharing opt-outs, limits on sensitive personal information, and protection against retaliation.

14.1 Submitting a request

A California resident may submit a request through:

Email: info@financialinternational.com
Toll free: (833) 605-2155
Privacy telephone: (213) 443-8498 [VERIFY]
Online request form: [INSERT URL, IF AVAILABLE]
Mail: 1605 W. Olympic Boulevard, Suite 9057, Los Angeles, California 90015-3808

14.2 Verification

We may request information reasonably necessary to verify:

Your identity;
Your state of residence;
The information associated with you; and
The authority of an authorized agent.

We will use verification information only for verification, fraud prevention, security, and legal compliance.

14.3 Authorized agents

You may designate an authorized agent where permitted by law. We may request proof of written authorization and may require you to verify your identity directly unless an applicable power of attorney or other legal exception applies.

14.4 Appeals

If applicable law provides a right to appeal a denied privacy request, instructions for submitting an appeal will be included in our response.

14.5 California “Shine the Light”

California residents may also request certain information regarding disclosure of personal information to third parties for their direct-marketing purposes where California Civil Code section 1798.83 applies.

Requests may be sent to info@financialinternational.com with the subject line: California Shine the Light Request.

15. Financial Privacy

If Financial International is a financial institution governed by the Gramm-Leach-Bliley Act or comparable laws, it may provide a separate financial privacy notice describing:

The categories of nonpublic personal information collected;
The reasons information is shared;
Categories of affiliates and nonaffiliated third parties;
The consumer’s right to limit or opt out of certain sharing;
How to exercise those choices; and
How customer information is protected.

The FTC Financial Privacy Rule requires covered financial institutions to provide particular notices and comply with restrictions on disclosure of nonpublic personal information. Certain disclosures to nonaffiliated third parties may require an opportunity to opt out unless an exception applies.

This website Privacy Policy should not be used as a substitute for a required GLBA model privacy notice without legal review.

16. Children’s Privacy

The Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13.

Children under 13 should not submit personal information through the Site. If we learn that we collected personal information online from a child under 13 without legally sufficient authorization, we will take reasonable steps to delete it.

Individuals under 18 may not open an account, submit a financial application, or enter into a contract through the Site unless a specific product and applicable law permit it.

A parent or legal guardian who believes a child submitted personal information may contact us using the information in Section 22.

17. Third-Party Websites and Services

The Site may contain links to websites, applications, or services operated by third parties. We do not control those third parties or their privacy, security, or data practices.

This Privacy Policy does not apply to information a third party collects directly from you through its own website or service. Review the third party’s privacy policy before providing personal information.

A link does not necessarily mean that Financial International endorses the third party or its practices.

18. International Visitors and Data Transfers

Financial International is based in the United States. If you access the Site from outside the United States, your personal information may be processed and stored in the United States or another location where our service providers operate.

Privacy laws in those locations may differ from the laws in your jurisdiction.

We will use an appropriate data-transfer mechanism when applicable law requires one. We do not claim participation in the EU-U.S. Data Privacy Framework unless Financial International is actively listed as a participating organization and has completed all required certifications and commitments.

The EU-U.S. Data Privacy Framework is available only to organizations that self-certify and publicly commit to comply with its principles. The framework should not be referenced as a transfer mechanism unless the organization is an active participant.

European Economic Area, United Kingdom, or Swiss residents may contact us regarding any applicable data-protection rights.

19. Changes to This Privacy Policy

We may update this Privacy Policy periodically.

When we make changes, we will:

Post the revised policy on the Site;
Update the “Last Updated” date;
Provide additional notice of material changes when required; and
Obtain consent before applying a materially different use when applicable law requires consent.

Changes will take effect on the date stated in the revised policy unless otherwise specified.

We will maintain prior versions when reasonably appropriate for compliance and recordkeeping.

20. Accessibility

We seek to make this Privacy Policy reasonably accessible.

If you have difficulty accessing this Policy or need it in an alternative format, contact:

Telephone: (213) 443-8498 [VERIFY]
Toll free: (833) 605-2155
Email: info@financialinternational.com

California privacy notices should be understandable, readable on smaller screens, available in the languages ordinarily used for consumer communications, and reasonably accessible to individuals with disabilities.

21. Questions and Complaints

If you have a question, concern, or complaint regarding this Privacy Policy or our privacy practices, contact us using the information below.

We may request information needed to verify your identity and investigate your concern.

22. Contact Us

Financial International
Attn: Privacy Office
1605 W. Olympic Boulevard, Suite 9057
Los Angeles, California 90015-3808