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. for information about our general privacy practices, including how we handle information obtained offline or in connection with debt servicing activities, please refer to our Privacy Notice, which is provided to consumers as required by the Gramm-Leach-Bliley Act. 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.
Southwood Financial LLC is a debt Collector. This is a communication from a debt collector, and any information obtained may be used for the purpose of collecting a debt.
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.
Types of Cookies We Use
We use two broad categories of cookies on our website:
Strictly Necessary Cookies,
These cookies are essential for the website to function and cannot be disabled in our systems. They are usually set only in response to actions you take, such as setting your privacy preferences, logging in, or filling out forms. You can set your browser to block or alert you about these cookies, but some parts of the site will not function properly.
Optional Cookies (Statistics and Analytics)
These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. You may opt out of these cookies through our cookie consent tool or your browser settings.
You can control and delete your cookies through your browser settings.
Please note that if you disable or delete cookies, some features of our website may not function properly.
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 18. 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 18, that information will be immediately deleted from our database as required by applicable law.
Automatic Information Collection
When you visit our website, our web servers and third-party analytics services automatically collect certain information from your browser and devise. This information includes:
Your Internet Protocol (IP) address (stored in anonymized form)
Device identifiers
Browser type and version
Operating system
Screen resolution
Geographic location (limited to country level)
Referring website addresses
Pages visited and time spent on each page
We use third-party analytics services to help us understand how visitors use our website. These services collet information sent by your browser as part of a web page request, including cookies and your IP address. Their use of this information is governed by their respective privacy policies.
Do Not Track Signals
“Do Not Track” (DNT) is a privacy preference that users can set in certain web browser. DNT signals a request to websites and services not to track the user’s activities across different websites. Our website does not currently respond to or honor DNT signals or similar mechanisms transmitted by web browsers. For more information about Do Not Track, please visit www.allaboutdnt.com.
English Version Prevails
This Privacy Policy may be translated into other languages for convenience. In the event of any inconsistency or discrepancy between the English version and any translated version, the English version shall prevail and govern.
Disclaimer
The information provided on this website is for general informational purposes only and does not constitute legal, financial, or credit counseling advice. While we strive to keep the information accurate and current, we make no representations or warranties of any kind, express or implied about the completeness, accuracy, reliability, or availability of the information contained on this website.
Your use of this website and any information provided does not create an attorney-client relationship, financial advisor-client relationship, or any other professional relationship between you and Southwood Financial LLC.
This website may contain links to third-party websites. We have no control over the content, privacy policies, or practices of any third-party sites and assume no responsibility for the accuracy or content of any linked website. The inclusion of any link does not imply endorsement by Southwood Financial LLC.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal or regulatory requirements, or for other operational reasons. When we make changes, we will post the revised Privacy Policy on this page with a new “Effective Date” at the top.
We encourage you to review this Privacy Policy periodically to stay informed about how we collect, use, and protect your information. Your continued use of our website after any changes to this Privacy Policy constitutes your acceptance of the revised terms. The most current version of this Privacy Policy supersedes all previous versions.
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.
GLBA Exception: Certain personal information we collect is subject to the Gramm-Leach-Bliley Act ("GLBA") and the California Financial Information Privacy Act. Such information is exempt from the California Consumer Privacy Act ("CCPA") and California Privacy Rights Act ("CPRA"). For information about how we handle GLBA-covered information, please refer to our Privacy Notice provided in connection with your account.
Accountholders: If you have an account with Southwood Financial LLC, your personal information is governed primarily by our GLBA Privacy Notice. The California Privacy Disclosure below applies to personal information not covered by the GLBA exemption.
Non-Accountholders: If you are not an accountholder and we do not have your contact information on file, we may be unable to process your request because we cannot verify your identity. In such cases, we will inform you that we have no information associated with your identity that is subject to the CCPA.
Business-to-Business Contacts: This California Privacy Disclosure also applies to personal information we collect about employees, owners, directors, officers, or contractors of businesses with which we interact (such as vendor personnel), to the extent required by the CCPA/CPRA.
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:
Identifications (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).
Signature, bank account number, debit card number, or any other financial information not listed above.
Inferences drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, or aptitudes.
We collect this information directly from you, from our client (original creditors), from information automatically collected when you visit our website, from service providers that assist us with debt servicing, payment processing, companies that help us understand website usage and improve our services, and other business functions, other companies within our corporate family, from other individuals such as co-signers or authorized users, 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.
Auditing: Counting ad impressions, verifying positioning and quality of ad impressions, and auditing compliance with specifications and standards
Security: Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for such activity
Short-term, transient use: Such as non-personalized advertising shown as part of your current interaction with us
Debugging: Identifying and repairing errors that impair existing intended functionality
Performing services: Including maintaining and servicing accounts, processing payments, providing customer service, fulfilling orders and transactions, verifying customer information, and processing or fulfilling requests
Internal research: Technological development and demonstration
Quality and safety: Verifying and maintaining the quality and safety of our services, and improving, upgrading, or enhancing our services
Managing business relationships: Communicating with vendors, service providers, and business partners
Disclosure of Personal Information
We do not sell or share your personal information. We do not share your personal information for cross-context behavioral advertising purposes. We have not sold or shared personal information in the preceding 12 months.
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.
Corporate Transactions
We may disclose personal information in connection with actual or proposed corporate transactions, such as mergers, acquisitions, divestitures, asset sales, bankruptcy proceedings, or other changes in corporate structure or control. In such events, the acquiring entity would be required to honor the commitments made in this Privacy Policy.
Sensitive Personal Information
We do not collect or process sensitive personal information for the purpose of inferring characteristics about California consumers. To the extent we collect sensitive personal information (such as Social Security numbers or financial account information), we use it solely as necessary to perform debt servicing functions, verify your identity, and comply with legal obligations.
Deidentified Information
If we maintain consumer information in a deidentified form, we will maintain and use the information in deidentified form and will not attempt to reidentify the information, except as permitted by law.
Retention of Personal Information
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected, including to:
Provide services and maintain your account.
Comply with legal, regulatory, and contractual obligations.
Support audit and recordkeeping requirements.
Resolve disputes and handle complaints.
Enforce our agreements and protect against potential legal claims.
When personal information is no longer needed for these purposes, we will securely delete or anonymize it in accordance with our data retention policies and applicable law.
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. You may submit a request to know up to twice in any 12-month period.
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:
Calling us toll-free at: 888-376-1775
Visiting: www.swfin.com
Emailing: info@swfin.com
We will respond within the timeframes required by law and will not discriminate against you for exercising your privacy rights.
When We May Decline a Request
We may decline to process your request if we:
Cannot verify your identity using commercially reasonable methods.
Cannot confirm the personal information relates to you
Cannot verify that you have authority to make the request on behalf of another California consumer
Determine that the personal information is not subject to the CCPA (for example, because it is covered by the GLBA exemption)
If we decline your request, we will explain the reason in our response.
Verifying Your Identity
To protect your privacy and security, we must verify your identity before processing your request.
If you have an online account with us: You may submit your request through your account portal after signing in.
If you do not have an account: You must provide sufficient information to allow us to verify your identity. This may include:
Full legal name
Current mailing address
State of residence
Your relationship to Southwood Financial (e.g., consumer with account, website visitor)
Identifying information such as the last four digits of your Social Security number, reference number, or account number
For requests to access specific pieces of personal information or to delete personal information, we may require you to submit a declaration under penalty of perjury confirming your identity.
Possible verification outcomes:
Verified: Your request will be processed.
Partially verified: We may provide a more limited response (e.g., categories of information rather than specific pieces).
Not verified: We will notify you that we were unable to verify your identity and cannot process the request.
No information found: We will notify you that we have no personal information associated with your verified identity.
Authorized Agents
You may designate an authorized agent to submit a request on your behalf. To do so, you must provide the authorized agent with signed, written permission to act on your behalf, and we may require you to verify your own identity directly with us. Alternatively, you may provide the authorized agent with a power of attorney pursuant to California Probate Code sections 4121 to 4130.
Authorized agents may submit requests using the contact methods below and must include proof of authorization with the request.
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
Response Timing
We will acknowledge receipt of your request within 10 business days and provide information about how we will process your request. We will respond to your request within 45 calendar days of receipt. If we need additional time (up to an additional 45 days), we will notify you of the extension and the reason for it.
Privacy Notice for Accountholders
If you have an account with Southwood Financial LLC, you have received or will receive a separate Privacy Notice as required by the Gramm-Leach-Bliley Act. That Privacy Notice describes our collection, use, and sharing of nonpublic personal information in connection with your account and provides you with certain opt-out rights. Please refer to that notice for information about your financial privacy rights.
Security
We implement commercially reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot warrant or guarantee the absolute security of any information you transmit to us through this website or that we store in our systems.
Links to Other Websites
Our website may contain links to third-party websites for your convenience and information. We do not control these websites and are not responsible for their content, privacy practices, or accuracy. The inclusion of a link does not imply our endorsement of the linked website or any products, services, or information offered there. We encourage you to review the privacy policies of any third-party websites you visit.