Effective Date: July 31, 2026
This Privacy Policy describes how Consolidate My Payday Loans (“we,” “us,” or “our”), operating at www.consolidatemypaydayloans.org (the “Site”), collects, uses, shares, and protects information about visitors and users. By using this Site, you agree to the practices described in this Policy.
Consolidate My Payday Loans is a brand of Solid Ground Financial, LLC. We are not a lender, and we do not sell your information to third parties. We help borrowers consolidate payday loans directly — our own team reviews your loans, explains your options, and works with your lenders on your behalf.
1. Information We Collect
We collect information you provide directly to us and information collected automatically when you visit the Site.
Information you provide:
- Full name
- Email address
- Phone number
- Estimated debt amount
- State of residence
- Any other information you submit through our contact or application forms
Information collected automatically:
- IP address and approximate geographic location
- Browser type and version
- Device type and operating system
- Pages visited and time spent on the Site
- Referring URL (the page that brought you to our Site)
- Cookies and similar tracking technologies (see Section 6 below)
2. How We Use Your Information
We use the information we collect for the following purposes:
- To review your payday loans and explain the consolidation options available to you
- To respond to your inquiries and communicate with you by phone, email, or SMS/text message
- To improve the Site’s content, functionality, and user experience
- To comply with applicable laws and regulations
- To detect and prevent fraud or other illegal activity
By submitting a form on this Site and pressing the submit button, you authorize us to contact you by SMS/text message, phone, and email, including through automated or pre-recorded means. Message and data rates may apply. You may opt out at any time by replying STOP to any text message or by contacting us at the information below.
3. How We Share Your Information
We may share your personal information in the following circumstances:
Our own team:
We use the information you submit so our team at Solid Ground Financial, LLC can review your situation, explain your options, and administer your program. We do not sell your information to third parties, and we do not pass it to unaffiliated companies so they can market to you.
Service providers and vendors:
We work with vendors who help us operate the Site, including web hosting, website analytics, online form and enrollment processing, and website chat. These vendors access information only as needed to perform services on our behalf and are contractually obligated to protect it.
Legal requirements:
We may disclose your information if required to do so by law, court order, or government request, or when we believe disclosure is necessary to protect our rights, your safety, or the safety of others.
Business transfers:
In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
We do not sell your personal information, and we do not share it with unaffiliated third parties for their own marketing purposes.
4. SMS / Text Message Communications
When you submit a form on this Site and authorize SMS contact, you consent to receive text messages from us regarding your inquiry. Message frequency may vary. Standard message and data rates may apply.
- To opt out: Reply STOP to any text message you receive
- To get help: Reply HELP or contact us at the information in Section 9
Opting out of SMS does not affect other forms of contact (email, phone) unless you separately request those be stopped.
5. Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. If you would like us to delete your information, please contact us using the details in Section 9.
6. Cookies and Tracking Technologies
We use cookies and similar technologies to operate the Site, keep it secure, and understand how visitors use it.
Types of cookies we use:
- Strictly necessary cookies: Required for the Site to function (e.g., form submission, navigation)
- Analytics cookies: Help us understand how visitors use the Site and which pages lead people to contact us (e.g., Google Analytics)
You can control cookie settings through your browser. Disabling cookies may affect the functionality of certain parts of the Site. We do not currently respond to Do Not Track (DNT) signals from browsers.
7. Third-Party Links
This Site may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.
8. Children’s Privacy
This Site is intended for adults 18 years of age and older. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has submitted information through the Site, we will delete it promptly. If you believe a child has provided us with personal information, please contact us immediately.
9. Your Rights and Choices
Depending on your state of residence, you may have certain rights regarding your personal information, including:
- The right to know what information we have collected about you
- The right to request deletion of your information
- The right to opt out of the sale or sharing of your information
- The right to correct inaccurate information
California residents may have additional rights under the California Consumer Privacy Act (CCPA). To exercise any of these rights, please contact us using the information in Section 10.
10. How to Contact Us
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or want to opt out of communications, please contact us:
Consolidate My Payday Loans
Hollywood, Florida
Phone: 877-785-7817
Website: www.consolidatemypaydayloans.org
11. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of this page. We encourage you to review this Policy periodically. Your continued use of the Site after any changes constitutes your acceptance of the updated Policy.
Last updated: July 31, 2026