Effective Date: May 1, 2025

This CSL Financial Privacy Policy describes how CSL Financial, LLC (“CSL,” “we,” or “us”) collects, uses, and discloses information about you. This Privacy Policy applies when you use our Websites (such as  https://www.commonsenselending.com, the “Websites”), and the information collected on our Websites or through your online interactions with us (collectively, the “Services”).

In some circumstances, we may provide you with additional or supplemental privacy notices to the extent they apply to you because of the interactions you may have with us, the Websites, or different laws that may apply to you. Some states may provide additional privacy rights. 

By using the Website or any of our Services, you acknowledge the privacy practices we describe in this CSL Privacy Policy as amended from time to time. You also acknowledge that you have read and agree to this CSL Privacy Policy and other policies described.

Information We Collect and How We Use It

Types of Information

Information You Provide

We collect information you provide to us. For example, we collect information from you when you fill out a contact form, application, or otherwise submit content through our Websites, request support or information, or otherwise communicate with us.

The specific information we collect could include:

• Name
• Address
• Email address
• Phone number
• Information related to your job title and the company you work for
• Time Zone information
• User IDs and passwords
• Billing, transaction, credit card or other financial information
• Contact preferences
• Educational and employment background
• Job interest data and benefit choices
• Any other information you choose to provide
• Testimonials. We post customer testimonials on our website which may contain personally identifiable information such as the customer’s name. We will obtain your consent prior to posting a testimonial. You may request that we remove your personal information from our Website by contacting us at 205.331.5700. 

• Blogs. If you use the blog on this Web site, you should be aware that any personally identifiable information you submit there can be read, collected, or used by other users of these forums, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to submit in these forums.

Information We Automatically Collect

We automatically collect certain information about your interactions with us, including:

• Device and Usage Information: We may collect information about how you access our Websites, including data about the device and network you use, such as hardware model, operating system version, mobile network, IP address, unique device identifiers and device regional and language settings, browser type, app version, date and time of your visit(s), number of links clicked within a website web page(s) you linked to or from another website; and pages you viewed on a website.
• Location Information: In accordance with your device permissions, we may collect information about the precise location of your device.

• Information Collected by Cookies and Similar Tracking Technologies: We (and those who perform work for us) use tracking technologies, such as cookies and web beacons, to collect information about your interactions with the Websites.  

A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies simplify the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality. We link cookies to personal information on the site in order to make it easier for users to return to the site and to access the site’s features. 

Web beacons are electronic images on websites and emails to help deliver cookies, count visits, and understand usage and campaign effectiveness.  We may include web beacons in promotional e-mail messages or our newsletters in order to determine whether messages have been opened and acted upon. We may also employ web beacons from third parties in order to help us compile aggregated statistics regarding the effectiveness of our promotional campaigns or other operations of our sites. We prohibit web beacons on our sites from being used by third parties to collect or access your personal information.  Finally, we may work with other companies that advertise on our sites to place web beacons on their sites in order to allow us to develop statistics on how often clicking on an advertisement on our site results in a purchase or other action on the advertiser’s site.

Use of Information

We share your information with third parties in the following circumstances:

• We may share personal information with vendors, service providers and consultants that access personal information to perform services for us, such as companies that assist us with web hosting, shipping and delivery, payment processing, fraud prevention, customer service, data analytics, technical support marketing and advertising.
• If you submit or post content in another public area of our Websites, we share this information publicly on our Websites.
• When you request information about services offered by other companies (such as Affiliates or Third-Party Partners), we may disclose information about you to those companies so that we or they can notify you of, and determine if you qualify for, products or services.
• We may disclose personal information if we believe that disclosure is in accordance with, or required by, any applicable law or legal process, including lawful requests by public authorities to meet national security or law enforcement requirements.
• We may share personal information if we believe (1) that your actions are inconsistent with our user agreements or policies, (2) that you have violated the law, or (3) it is necessary to protect the rights, property and safety of CSL, our users, the public, or others.
• We share personal information with our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests.
• We may share personal information in connection with, or during negotiations concerning, any merger, sale of company assets, financing or acquisition of all or a portion of our business by another company.
• We share personal information with your consent or at your direction.
• We also share aggregated or de-identified information that cannot reasonably be used to identify you.

We do not share your information for targeted advertising and do not sell personal information to third parties in exchange for valuable consideration.

Linked Sites

The Websites contains links to other sites (“Linked Sites”).  We are not responsible for the privacy practices, terms of use or content of Linked Sites.  The Linked Sites may collect personal information from you that is not subject to our control.  The data collection practices of Linked Sites will be governed by privacy policies of those Linked Sites.

Accessing And Changing Your Personal Information

You may have the ability to view or edit your personal information by contacting us at and we will contact you to enable you to access your information and the opportunity to change your information. To protect your privacy and security, we may require steps to verify your identity, such as a password and user ID, before granting access to your data.

Collection and Use of Children’s Personal Information

We do not knowingly collect personal information from children under the age of 13. If we learn that we have personal information on a child under the age of 13, we will delete that information from our systems. 

Security

We take information security very seriously and uses reasonable measures to protect your personal information from unauthorized access. We use a variety of security technologies depending on the situation and procedures to help protect your personal information from unauthorized access, use, or disclosure such as physical access controls, Secure Socket Layers (SSL), Internet firewalls, intrusion detection, and network monitoring. However, no security system can be guaranteed to be 100% secure, and therefore we cannot guarantee the security of your Information or assume liability for improper access to it. By using our Websites, or providing Information to us through any means, you agree that we can communicate with you electronically about any matter including regarding security, privacy, and administrative issues.

If a password is used to help protect your accounts and personal information, it is your responsibility to keep your password confidential. Do not share this information with anyone. If you are sharing a computer with anyone you should always log-out before leaving a site or service to protect access to your information from subsequent users.

Changes to this CSL Financial Privacy Policy

We may change this CSL Financial Privacy Policy from time to time. If we make changes, we will notify you by revising the effective date at the top of this policy and, in some cases, we may provide you with additional notice, such as adding a statement to our Websites or sending you a notification. We encourage you to review this policy regularly to stay informed about our information practices and the choices available to you.  Your continued use of the Websites  constitutes your agreement to this CSL Financial Privacy Policy and any updates.

Contacting Us

If you have questions or concerns, you should first contact our Compliance Manager.