Last updated: July 24, 2025.
These Terms and Conditions of Use (“Agreement”) are a legal agreement between you and VYSYZ LLCd/b/a All Points Financial (hereinafter referred to as “We”, “US”, “Our”, “All Points Financial”), the operator of All Points Financial (the “Site”)(The Site and any social media page or campaign shall be collectively referred to herein as the “Sites”). By using, registering, or otherwise interacting with the Sites in any way whatsoever, including through any service provided through Sites, you agree to be bound by all the terms and conditions (the “Terms”) set forth in this Agreement. You understand that you are not able to modify these terms and that you must accept all terms “AS-IS.” Should you choose not to accept all Terms herein, simply do not register your information, make use of, or interact with this Site.
This Agreement contains a binding arbitration agreement in Section XVI titled Dispute Resolution by Binding Arbitration in this Agreement, which provides that you and All Points Financial, including any of All Points Financial principals, employees, affiliates, members, or officers as well as all independent service providers who provide services to those who are referred to through All Points Financial, agree to resolve all disputes arising out of or relating to your registration, use, interaction with the Sites, and/or the services you receive from the Service Provider through binding individual arbitration and not in any class or mass setting, and that you and we both give up any right to have any dispute between the parties be decided in a court by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See Section XVI Dispute Resolution by Binding Arbitration section of this Agreement. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS.
The Site is marketing and referral website that provides financial analysis to businesses and individual consumers on how to properly tackle their finances and debt and connects businesses and individual consumers with independent third-party financial service providers that provide debt relief financial services. You understand that when you call the number on our Site, you may be connected with one of our representatives or you may be directly connected with one of our partner providers, or a third-party service providers to assist you. Independent third-party financial service providers may charge fees for their services and have their own terms of service. All Points Financial is not responsible and does not guarantee any outcomes from these independent third-party financial service providers. All Points Financial does not guarantee that Independent third-party financial service providers provide service in your state.
Please be advised that All Points Financials’ Privacy Policy is hereby incorporated by reference into this Agreement. The Privacy Policy explains how we collect, protect, share and use your information as a part of our Sites, and all of our product and services.
ALL POINTS FINANCIAL RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO MAKE CHANGES TO THE TERMS AT ITS DISCRETION. YOU SHOULD REVIEW THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS VERSIONS. REGARDLESS OF WHETHER OR NOT YOU REVIEWED THE CHANGES TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOUR CONTINUED USE OF ANY PART OF THIS SITE OR ANY FEATURE ON THE SITE CONSTITUTES YOUR ACCEPTANCE TO ALL TERM CHANGES TO THIS AGREEMENT.
This Sites may contain links to external websites (“Linked Sites”). The Linked Sites are not under the control or management of All Points Financial, and All Points Financial is not responsible for the contents of any and all Linked Sites, including without limitation any links contained in a Linked Site or any changes or updates to a Linked Site. All Points Financial is not responsible for webcasting or any other form of transmission received from any Linked Site. All Points Financial is providing these links to you only as a convenience, and the inclusion of any links to Linked Sites does not imply endorsement by All Points Financial of the Linked Sites or any association with its operators.
As a condition of your use of the Sites, you warrant to All Points Financial that you will not use the Sites for any purpose that is unlawful, prohibited by law and/or regulation, or is prohibited by these Terms. You may not use the Sites in any manner which could damage, disable, overburden, negatively impact or impair the Sites or interfere with any other party’s use and enjoyment of the Sites. You may not obtain or attempt to obtain any materials or information from the Sites through any means not intentionally made available or provided for through All Points Financial on this Sites.
All Points Financial, through our Sites, affiliates sites, and/or through service provider may provide you with financial information about business and personal debt generally, as well as learn about various independent third-party service providers, such as financial institutions, credit card providers, debt management or debt settlement companies, and other financial service professionals (“Service Providers”). You understand and acknowledge that All Points Financial may be compensated by Service Providers for referrals made through the Sites. All Points Financial does not guarantee the accuracy or completeness of any of the information provided on the Sites or with regards to the Service Providers and are not responsible for any loss resulting from your reliance on such information. All Points Financial is not responsible for fulfillment of services, and any service agreement must be executed directly with the service provider.
You agree that you are to examine the information provided and conduct your own research of whether the Service Providers marketed on this Sites fit your financial situation. We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you and you must not rely on the information on this Site or of our telephonic agents, and must conduct your own research and analysis of the offered services. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers you are considering to engage with. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide you, and that All Points Financial is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of any Service Provider’s products or services. We urge you to obtain the advice of qualified professionals (such as tax advisor, accountant, lawyer, etc.) who are fully aware of your individual circumstances before you make any financial decisions. By interacting with any Service Providers, you acknowledge and agree that you solely rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers to whom you may be referred to from our Sites. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the marketplace. You may be able to find better fitting offers elsewhere.
The Sites may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). In the event such Communication Services exist, You agree to use the Communication Services only to post, send, and receive messages and material that are related to the contents of this Sites, the education materials in this Sites, or the services promoted or marketed by this Sites. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not under any circumstances:
All Points Financial has no obligation to monitor the Communication Services. However, All Points Financial reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. All Points Financial reserves the right to terminate your access to any or all the Communication Services at any time without notice for any reason whatsoever. All Points Financial reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or refuse to post or to remove any information or materials, in whole or in part, is All Points Financials sole discretion.
You are advised to always use caution when giving out any personally identifying information (“PII”) about yourself, your spouse, your children, your household, or your business generally in any Communication Service even if offered on this Sites. All Points Financial does not control or endorse the content, messages or information found in any Communication Service and, therefore, All Points Financial specifically disclaims all warranties and liability associated with, or in regard to, the Communication Services, including but not limited to any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized All Points Financial spokespersons, and their views do not necessarily reflect those of All Points Financial. Materials uploaded to a Communication Service may be subject to size posting limitations, limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
All Points Financial does not claim ownership of the materials you provide to All Points Financial (including feedback and suggestions) or post, upload, input or submit to any All Points Financial Sites or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, submitting, or providing your Submission you are granting All Points Financial, its affiliated companies and necessary affiliate of All Points Financial a non-exclusive, royalty free, perpetual license to use your Submission and/or its contents in connection with the operation of the Sites or business including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. All Points Financial is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at All Points Financials sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
All website interactions and phone calls are recorded for marketing, compliance and quality assurance purposes.
All Points Financial takes the Telephone Consumer Protection Act (“TCPA”) compliance with outmost seriousness. Therefore, any TCPA procedures are pursuant to a strict TCPA compliance policy of Company. This provision outlines our general consent requirements and acknowledgements which you will be subject to in the event you submit a TCPA consent form or contact form seeking a communication from us. By providing us with your name, email, phone number on the submission form containing the TCPA disclosure, and signing using your E-Sign signature, you expressly authorize All Points Financial, our third party partners and/or service providers in the link herein, to contact you (including using autodialers, click-to-call links, automated text and artificial or pre-recorded messages) via your telephone, cellphone, mobile device (including via Short Message Service (“SMS”) or wireless internet (“WAP Service”)), AIbots, AI chat agents, or via email, even if your telephone number is currently listed on any state or federal Do Not Call list. In the event that you have previously requested to be on the Company’s Do Not Call List, you understand that even if you submit a request to be called again, the Company policy is not to contact anyone who requested to be on the Company’s Do Not Call List. You understand that standard phone and data charges may apply. Your TCPA consent is not required, and you are not required to complete a TCPA Consent form as a condition of receiving our services. You also consent to the recording and monitoring of all calls to and from us. You represent you are the owner or authorized user of the mobile device, and the phone number associated with that mobile device to which we will be making phone calls and on which messages will be received, and that you are authorized to approve all applicable charges associated with the receipt of message from us. You may ask for guidance by responding “HELP” to any text messages sent by All Points Financial. You may opt out of receiving calls and/or messages to your telephone or mobile device at any time by any and all reasonable methods, including responding to a text message with any of the following words “stop,” “quit,” “end,” “revoke,” “opt out,” “cancel,” or “unsubscribe,” or notifying us at [email protected] our interactive or automated voice or key press revocation method if on the call with us, and you may opt out of receiving emails by clicking the “Opt-out” link on the bottom of the email. You acknowledge and agree that only United States residents may use the SMS or WAP Service to communicate with us.
SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. All Points Financial does not guarantee that your use of the SMS or WAP Services will be private or secure, and All Points Financial will not be liable to you under any circumstance for any lack of privacy or security breach caused to you or that you may experience while sending or receiving SMS or WAP Services using your mobile device. You are fully responsible for taking all precautions and ensuring security measures are taken by you when using the SMS or WAP Service. You acknowledge and agree All Points Financial may obtain from your carrier’s wireless account information regarding the device you are using with your carrier for the purpose of identifying and resolving technical problems and enhancing your service experience with our Sites. Please review our Privacy Policy for additional information governing privacy of your personal information.
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES MAY INCLUDE INACCURACIES, OLD INFORMATION, OR TYPOGRAPHICAL ERRORS, AND IN NO WAY SHOULD BE INTERPRETED AS ERROR FREE. ALL POINTS FINANCIAL MAKES PERIODICAL CHANGES TO THE INFORMATION AND MATERIALS PROVIDED ON THE SITES, AND MAY UPDATE OR CORRECT ANY INACCURACIES, OLD INFORMATION, OR OTHER TYPOGRAPHICAL ERRORS ON THE WEBSITE. IN ADDITION, ALL POINTS FINANCIAL AND/OR ITS SITES ADMINISTRATOR MAY MAKE IMPROVEMENTS AND/OR CHANGES TO SITES AT ANY TIME.
ALL POINTS FINANCIAL AND/OR ITS SITES ADMINISTRATOR MAKE NO REPRESENTATIONS ABOUT AND DISCLAIM ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED WITH RESPECT TO THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE SITES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT (IF APPLICABLE), PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
FURTHERMORE, ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR OTHER COMMENTS ON THE SITES MAY BE THAT OF THE WRITER AND ARE NOT ASSUMED OR ADOPTED BY ALL POINTS FINANCIAL, AND SHOULD NOT NECESSARILY BE RELIED UPON BY YOU. ALL OPINIONS OF OUR PHONE REPRESENTATIVES MAY NOT BE RELIED ON AS LEGAL ADVICE, AND YOU UNDERSTAND THAT YOU MUST SEEK PROFESSIONAL EXAMINATION OF YOUR SITUATION ON YOUR OWN. YOU UNDERSTAND AND AGREE THAT ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR COMMENTS ARE NOT TO BE CONSTRUED AS PROFESSIONAL ADVICE FROM ALL POINTS FINANCIAL, ITS EMPLOYEES, OR ITS ALL POINTS FINANCIAL AND SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS. YOU SHOULD MAKE YOUR OWN INDEPENDENT RESEARCH AND ANALYSIS REGARDING THE OPINIONS, STATEMENTS, INFORMATION, AND GENERAL ADVICE RECEIVED VIA THE SITES, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
ALL POINTS FINANCIAL MAY PROVIDE YOU WITH VARIOUS TOOLS AND SOFTWARE THROUGHOUT THE SITES TO ASSIST YOU IN VARIOUS TASKS OR ALLOW YOU TO SUBMIT AND EXAMINE YOUR ELIGIBILITY FOR VARIOUS SERVICES PROVIDED BY THIRD PARTY PROVIDERS. SOME TOOLS AND SOFTWARE MAY REQUIRE YOU TO PROVIDE CERTAIN PERSONAL INFORMATION AND/OR WILL BE DEPENDENT ON INFORMATION INPUTED BY YOU IN ORDER TO PROVIDE YOU WITH ACCURATE RESULTS BASED ON AUTOMATED DECISIONS. YOU UNDERSTAND AND AGREE THAT NEITHER ALL POINTS FINANCIAL NOR ITS TECHNOLOGY AND SERVICE PARTNERS ARE RESPONSIBLE OR LIABLE FOR THE AUTOMATED DECISIONING SYSTEM’S RESULTS WHICH WILL DEPEND ON YOUR INFORMATION INPUT, AND ANY INACCURACY (WHETHER ON PURPOSE OR NOT) MAY EFFECT THE ACCURACY OF THE RESULTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL ALL POINTS FINANCIAL AND/OR ITS ALL POINTS FINANCIAL, OFFICERS, EMPLOYEES, MEMBERS, OR REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: THE USE OR PERFORMANCE OF THE ALL POINTS FINANCIAL SITES; WITH THE DELAY OR INABILITY TO USE THE ALL POINTS FINANCIAL SITES OR RELATED OR OFFERED SERVICES; THE PROVISION OF OR FAILURE TO PROVIDE SERVICES BY ALL POINTS FINANCIAL OR ANY THIRD-PARTY WHICH MAY MARKET ITS SERVICES ON ALL POINTS FINANCIAL; OR ARISING OUT OF OR RELATING TO ANY INFORMATION, SOFTWARE (WHETHER OWNED BY ALL POINTS FINANCIAL OR LICENSED TO ALL POINTS FINANCIAL BY A THIRD PARTY), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE ALL POINTS FINANCIAL SITES; OR OTHERWISE ARISING OUT OF OR RELATING TO THE USE OF THE ALL POINTS FINANCIAL SITES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF ALL POINTS FINANCIAL OR ANY OF ITS SUPPLIERS, PARTNERS, THIRD PARTY VENDORS, OR TECHNOLOGY PROVIDERS, HAVE BEEN ADVISED OF THE POSSIBILITY OF A CLAIM, DISPUTE, DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU IF YOU LIVE IN A STATE/JURISDICTION THAT EXPRESSLY PROHIBITS THE USE OF LIMITATION OF LIABILITY. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE ALL POINTS FINANCIAL SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE ALL POINTS FINANCIAL SITES.
All Points Financial may establish areas on the Sites which may require obtaining access credentials. Should you obtain such access to restricted areas on the Sites, All Points Financial reserves the right, in its sole discretion, to terminate your access to the All Points Financial Sites and the related services or any portion thereof at any time, without notice.
In the event that you misuse our Sites, the tools and software on our Sites, or otherwise breach the terms of these Terms and Conditions or the Privacy Policy, you understand that All Points Financial reserves the right, in its sole discretion, terminate your access and/or use of the Sites, or any tool or software on the Sites.
The Sites is not designed or directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Sites. Information of minors that is considered PII under the Children Online Privacy Protection Act (COPPA) includes: (i) First and last name; (ii) Physical address that includes street and town or city name; (iii) E-mail address; (iv) Online identifier that permits an individual to be contacted directly (e.g. an IM name, video or audio chat username, or other form of screen name); (v) Telephone number; (vi) Social security number; (vii) Image, video or audio containing an individual’s image or voice; (viii) Information sufficient to identify the home or other physical address of an individual; (ix) A cookie number, IP address, unique device number or other persistent identifier that can be used to track and recognize an individual over time and across different websites or apps; and/or (x) Hobbies, interests, information collected through the use of cookies, and any other information collected from a child that is either about that child or the parents/guardians of that child that, when combined with any of the above, can be used to identify the child.
All Points Financial does not knowingly or willfully collect PII from minors under 18 years of age without parental consent. If you believe your minor child provided his information on our Sites in disregard of these Terms and Conditions, we request that you notify us in writing by contacting us via email at [email protected], and inform us immediately so we can take all reasonable measures to remove and delete any PII provided by your child through our Sites or the tools provided on our Sites. For more information regarding this policy please visit our Privacy Policy.
All Points Financial, and the All Points Financial logo are trademarks, trade names or service marks of All Points Financial or its related companies. All other trademarks and service marks presented on the Sites are the property of their respective owners, and All Points Financial has obtained permission to use them in association with the educational information and referral services provided. You are not permitted to use any trademark or service mark displayed on this Sites without the prior written consent of All Points Financial or the owner of such trademark or service mark. You acknowledge and understand that you have no rights to any trademarks, service marks, copyrights. All Points Financial reserves all rights to its Intellectual Property on the Sites.
In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2)(“DMCA”), All Points Financial will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Sites has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Sites containing the following elements as set forth in the DMCA:
All Points Financials designated agent for the written notification of claims of copyright infringement can be contacted at the following address:
Designated Agent – Copyright Infringement Claims
VYSYZ LLC d/b/a All Points Financial
6360 NW 5TH WAY SUITE 302
FORT LAUDERDALE, FL 33309
Email: [email protected]
You agree to defend, indemnify and hold All Points Financial and its officers, directors, shareholders, employees, independent contractors, agents, representatives, technology partners and service providers, and affiliates harmless from any and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or related to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete, and current personally identifiable information (“PII”) in response to any request form on our Sites, through a tool or software on our Sites, or specifically on the Debt Advisor on our Sites; (iii) your access or use of Services through our Sites; (iv) access to our Sites or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); (vi) the Services you receive from any of the Service Providers to which you were referred by us; and/or (vii) any personal injury or property damage caused by you.
In the event of any controversy between you and All Points Financial and/or any of its service providers to whom you are referred by All Points Financial or with whom you sign a service agreement, including but not limited to any demand, claim, suit cross claim, counterclaim, or third-party complaint or dispute, whether contractual, statutory, in tort or otherwise (including but not limited to our technology providers, designated servicers, and any fulfillment provider working on your behalf) arising out of, or in any way relating, to our relationship, including but not limited to this Agreement, our Privacy Policy, Sites Disclaimers, use of the All Points Financial Sites, the information on All Points Financials Sites, any referral services provided by All Points Financial, any All Points Financials TCPA consent form, or alleged TCPA violation by All Points Financial, or the breach, termination, enforcement, interpretation, or validity of the Agreement or its performance, including any determination of the scope, enforcement or applicability of this provision to arbitrate, shall be resolved by binding arbitration in the nearest metropolitan area to the county in which you reside, or at such other location upon which the parties may agree upon. This agreement to arbitrate shall be governed exclusively by the Federal Arbitration Act (“FAA”), 9 U.S.C. §1 et sec., which shall govern the interpretation and enforcement of our mutual agreement to arbitrate, and not by any state rule or statute governing arbitration and without regards to any state arbitration law. This agreement to arbitrate shall survive termination of the Agreement. The Parties agree to the following Arbitration Terms:
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.
Should you have questions regarding these terms or need additional information regarding our services, you may reach us via mail or email at:
All Points Financial
6360 NW 5TH WAY SUITE 302
FORT LAUDERDALE, FL 33309
Email: [email protected]
PLEASE PRINT AND MAINTAIN A COPY OF THESE TERMS AND CONDITIONS FOR YOUR RECORD. MAKE SURE TO PERIODICALLY CHECK OUR TERMS AND CONDITIONS FOR UPDATES.
Last updated: July 24, 2025.
All Points Financial (“All Points Financial”) is the operator of this web site. This Privacy Policy (hereinafter sometimes referred to as the “Notice” or “Privacy Policy” or “Privacy Notice”) applies to this All Points Financial online interface (i.e., website or mobile application (“App(s)”)) (the “Site”). The term “All Points Financial” or “we” or “us” or “our” in this Notice refers to All Points Financial, and any of All Points Financials affiliates that may adopt this Notice or certain applicable portions of this Notice. This Notice describes how this Site, or any All Points Financial landing pages linked to this Site (All Points Financials landing pages and this Site shall collectively refer to as “Sites”), may collect, use, store, and share information from or about you, and explains how information collected from or about you may be, used for advertising purposes or shared with third parties. All Points Financial may provide other online interfaces not covered by this Notice, which shall be subject to their own privacy notices. If you visit or access your services from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.
Agreement to this Policy: This Privacy Policy is incorporated by reference into All Points Financials Terms and Conditions, including the obligation to arbitrate your claims under this Privacy Policy pursuant to your agreement to arbitrate in Section XVI titled DISPUTE RESOLUTION BY BINDING ARBITRATION. See Section XVI Dispute Resolution by Binding Arbitration section of this Agreement. By using, interacting with, entering information, or viewing information on this Site, you expressly acknowledge and consent to this Privacy Policy in it’s entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that All Points Financial will rely on your use and interaction with this Site as your express consent to the terms of this Privacy Notice. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY.
All Points Financial may collect certain information, including Personally Identifiable Information about you personally, your household or about your business (“PII”), in accordance with the law and to provide you with exemplary services.
In particular, All Points Financial may collect the following categories of PII:
“Sensitive Personal Information” means any information that could be used to identify you individually and that relates to your finances or financial accounts with us. This includes, but is not limited to:
We collect Sensitive Information for the following purposes:
We may share your PII and/or Sensitive Information with the following types of third parties:
We may share your PII and/or Sensitive Personal Information for marketing purposes with our affiliates and third-party partners. You have the right to opt out of this sharing at any time. To opt out, please visit our visit our Data Rights Request page.
We may share your PII and/or Sensitive Personal Information with third party service providers and financial institutions as necessary to provide you with financial services and products. You may not opt out of this sharing, as it is essential for us to fulfill our contractual obligations to you.
Other Information is any information, other than Personal information, PII, or Sensitive Personal Information, which does not reveal your specific identity, such as browser information, information collected through cookies, pixel tags, web beacons and other technologies, demographic information, and aggregated and de-identified data. Other Information may also include geographic information, referral information and URL information. Although such information may not by itself reveal your specific identity, it could be used by third parties that have independent relationships with you to identify you, your web activities and your interests.
We may also install cookies, web beacons or other technologies, including technologies that identify the dialing, routing, addressing and signaling information generated by Sites users, that provide access to third parties to your information, including but not limited to your IP address and browsing activity on pages of our Sites where these devices are placed. Cookies may be active for a period of anywhere from 30 to 13 months, however, you may remove cookies using your browser settings. You understand that we do not control any information gathered by such devices or its use by such third parties. These third parties are required to handle your personal information in accordance with their own privacy policies and applicable data protection laws and regulations.
You agree that any such PII, Sensitive Personal Information, or Other Information collected through cookies, pixel tags, web beacons and other technologies, including any technologies that identify the dialing, routing, addressing and signaling information generated by website users may be used and shared by All Points Financial as provided in this Notice.
In general, we may use or use these different types of cookies:
You can learn more about cookies at: http://www.allaboutcookies.org/manage-cookies/index.html↗.
There are several ways to manage cookies:
We may use third-party advertising companies to serve advertisements on our Site. To serve such advertisements, these companies place or recognize a unique cookie on your browser (including through use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn about your choices in connection with it, please visit:
We may collect PII and/or Sensitive Personal Information from you in the following ways:
We may use your PII and/or Sensitive Personal Information for the following purposes:
We may share your PII and/or Sensitive Personal Information for commercial, marketing, and business purposes, all in compliance with this Privacy Policy.
Information Disclosed for Business Purposes. In the previous 12 months, we have disclosed the information that may include the following categories of personal information for business purposes:
Categories of Third Parties Who Receive Information for Business Purposes:
Information Sold or Shared for Non-Business Purposes. In the previous 12 months, the following categories of Personal Information, PII, or Sensitive Personal Information were sold or disclosed to third parties for non-essential business purposes.
Categories of Third Parties to Whom Personal Information, PII, or Sensitive Personal Information Has Been Sold:
Sale of Business and/or Personal Information and Targeted Marketing
All Points Financial may engage in the “Sharing” or “Sale” of your personal information. All Points Financial may also engage in “targeted advertising” in its use of your personal information. We do not knowingly collect, “sell” or “share” the personal information of individuals under the age of 18. If you are below the age of 18, you are prohibited from making use of our Sites and providing personal information on our Sites. See also COPPA Disclosure in Section VIII below.
Depending on where you reside, you may have certain rights regarding the personal information we collect and share. Residents of applicable states, including Florida, California, Virginia, Colorado, Connecticut, Iowa, Indiana, Tennessee, Texas, Montana, Minnesota, Oregon, Delaware, New Hampshire, New Jersey, Kentucky, Nebraska, and Rhode Island, may be provided the right to make the following request, depending on applicable law.
a) Request to Know. You may request to know whether we process your Personal (including your business) information and to access such Personal information. You may request to receive the specific pieces or a copy of your Personal information, including, where applicable, a copy of the Personal information you provided to us in a portable format. Depending on where you reside, you may request that we disclose to you the following information:
The categories of Personal information about you that we otherwise disclosed and the categories of third parties with whom we disclosed such Personal information (if applicable).
b) Request to Delete. You may request that we delete your Personal information.
c) Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a reasonable period after you have received notice of the refusal.
d) Request to Correct. You may request that we correct inaccuracies in your Personal information.
e) Request to Opt-Out of Sale, Targeted Advertising, Limit Disclosure of Sensitive Information and/or Sharing. You may request to opt-out of the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your Personal information for cross-context behavioral advertising purposes. You may also limit the Disclosure and Sharing of your Sensitive Information.
To submit a data rights request in accordance with the above, please visit our Data Rights Request page.
We may collect and disclose certain information that may be considered ‘sensitive information’ under the applicable data privacy laws. We may disclose this information to affiliates, and non-affiliated third parties for various purposes, including marking or to provide you with services that you have. Depending on where you reside you may have the right to limit the disclosure of this information to non-related third parties for marketing purposes. To submit a request to limit the disclosure of your sensitive information, visit our Data Rights Request page.
All Points Financial Managed Direct Marketing: If you prefer that we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices by emailing us your requests at [email protected].
You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow up to ten (10) business days for changes to take effect. Please be advised that all opt-out requests will be honored by the 10th business day. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.
At All Points Financial, the security of your Personal Information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
Links to other sites: We may provide links to third-party sites. If you follow links to sites not affiliated or controlled by All Points Financial, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. All Points Financial does not guarantee and is not responsible for any interaction between you and the third-party sites, including but not limited to the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You acknowledge that the availability of third-party site links is merely for convenience purposes, and that All Points Financial does not endorse, support, acknowledge, agree with, or otherwise promote the contents of the third-party sites linked to our Site.
Security: To protect Personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure. While we follow generally accepted industry standards to protect the Sensitive Personal Information and PII submitted to us (both during your submission and after we receive it), please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information and PII, we cannot guarantee its absolute security. If you have any questions about security on our website, you can e-mail us at [email protected].
Data Retention: We retain Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include:
This section provides state specific disclosures which apply solely to consumers who reside in the states listed. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.
Notice to California Residents: As a California resident, you have the following rights regarding your personal information
Notice to Nevada Residents. We are providing you this Notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: [email protected].
Privacy Notice to Florida Consumers. Florida enacted a consumer privacy protection law titled “Florida Digital Bill of Rights”. Under the Florida Digital Bill of Rights, a Florida resident is, pursuant to the authenticated consumer request, entitled to exercise the following rights:
Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:
Notice for Vermont Residents. As a Vermont resident, you have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers.
Notice for Connecticut Residents. As a Connecticut resident, you have the following rights regarding your personal information:
Notice to North Dakota Residents. As a North Dakota resident you have the right to opt-out of joint marketing with other financial institutions. For information how to request an opt-out of Joint Marketing, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
Notice to Utah Residents. As a Utah resident, you have the following rights regarding your personal information:
Notice to Virginia Residents. As a Virginia resident, you have the following rights regarding your personal information:
Privacy Notice to Indiana Residents. You have the right to get notified in the event of a data breach of the information we collect for you under Indiana Law. In the event of a data breach encompassing your information we will inform you using one of the following methods: (i) Mail; (ii) Telephone; (iii) Facsimile (fax); or (iv) Electronic Mail if we have your email in our database. You understand that we are only responsible to inform you of data breaches caused to our servers and have no control over any information retained by the lender with whom we may connect you.
Privacy Notice to Iowa Residents. As an Iowa resident you have the right to submit to us an authenticated request regarding your personal data:
Privacy Notice to Montana Residents. As a Montana resident you have the right to submit to us an authenticated request regarding your personal data:
Privacy Notice to Nebraska Residents. As a Nebraska resident you have the following data privacy rights regarding your personal data:
Privacy Notice to New Jersey Residents. As a New Jersey resident you have the data privacy rights regarding your personal data, and can submit to us a verified data request to:
Privacy Notice to Tennessee Residents. As a Tennessee resident you have the following data privacy rights regarding your personal data:
Privacy Notice to Texas Residents. As a Texas resident you have the following data privacy rights regarding your personal data:
Notice to Users Outside of the United States. This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States only. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice. We do not sell, offer, or otherwise provide services to individuals outside of the United States.
WE ARE NOT PROVIDING SERVICES IN THE EUROPEAN UNION, NOR DO WE PROVIDE SERVICES TO EUROPEAN UNION RESIDENTS, AND THEREFORE WE ARE NOT SUBJECT TO THE GENERAL DATA PROTECTION REGULATION OF THE EUROPEAN UNION (KNOWN AS THE “GDPR”). IF YOU ARE A EUROPEAN RESIDENT VISITING THE UNITED STATES, AND YOU ARE NOT A UNITED STATE RESIDENT, YOU ARE PROHIBITED FROM USING OUR SUTE OR SHARING YOUR INFORMATION WITH US.
Social media sites. All Points Financial provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official All Points Financial managed social media pages, such as pictures, information, opinions, or any Personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. By allowing you to post or share information on All Points Financials social media pages, you acknowledge that All Points Financial does not endorse, support, acknowledge, or otherwise agree with the posted information and any such posts shall be your sole responsibility. You also agree that All Points Financial may use any information posted by you on All Points Financials social media for any purpose provided in this Notice. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official All Points Financial social media pages, you are also subject to All Points Financials Privacy Notices, in addition to any social media platform’s Privacy Notice to which you may be subject to.
Short Message Service. Note that this policy notice does not replace your opt in requirements. We may make available a service through which you can receive communications your wireless device via short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. By providing your contact information, you affirmatively represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you understand that such communication may be subject to certain applicable charges, and that you approve all such applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our SMS confirmation and all subsequent SMS correspondence. All charges for data rates are billed by, and payable to, your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. We will not be liable if SMS are received after hours due to such transmission delays. SMS message services are provided on an AS IS basis. We may also obtain the date, time, and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. We may provide your carrier with your applicable information in connection with your consent to receive SMS. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. We will not be liable for any data use or misuse by your wireless carrier.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.
SMS and Phone Call Opt-In. Note that this policy notice does not replace your express written consent and opt in requirements. By completing a lead or contact form and affixing you electronic signature, in compliance with the E-SIGN act and disclosure which is available to you in the link above or in the footer of our Site, you have agreed to give All Points Financial your express signed prior written consent and authorize All Points Financial, and direct representatives calling on its behalf to contact you via telephone calls, or mobile device messages, online live chat and chatbots (including marketing calls and messages through by autodialing, text and pre-recorded messaging, AI generative voice, SMS, and MMS), even if my telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Msg. and data rates may apply, and you may opt out of text messages at any time by texting “HELP” for help, and “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, “OPT OUT”, “REVOKE” or “CANCEL” to opt out from any future communications. You may also choose to opt-out and remove your authorization to receive such calls and/or text messages by emailing us your instructions at [email protected]. You also consent to the recording and monitoring of all calls to and from us. Further, by providing your e-mail above, you authorize and give All Points Financial your express written consent, to receive electronic communications, including periodic emails with important news, financial tips, tools and more from All Points Financial. You understand that you can always withdraw your consent or unsubscribe at any time at [email protected]. You are not required to obtain goods or services or to be connected with any of the service providers that can fit my needs and that I may choose to call All Points Financial representative instead at 1.800.810.0989.
Making Sure Information is Accurate. You understand and agree that All Points Financial presumes that the Personal Information you provided is, indeed, accurate. All Points Financial will not be responsible for verifying that Personal Information. You understand that if you use any automated decision making features on our Site, it is crucial that you provide accurate PII and/or Sensitive Personal Information being requested in order for the automated decision making feature to process and provide you with an accurate decision and/or result. It is your responsibility to ensure the information provided is accurate and up to date. If you have previously submitted information which is incomplete, inaccurate or not current, please email or write us at the appropriate address, or complete a data request form, with updated information which you would like us to use in our communication with you.
Business Transitions. You understand and agree that if All Points Financial goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal information, PII, and additionally collected information will likely be among the assets transferred.
How do we respond to Web browser “do not track” (also referred to as “DNT”) signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
ANSWER: We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.allpointsfinancial.com.
ANSWER: Yes, we may utilize technology partners that provide us with Site tools which businesses and/or individual consumer may use while visiting our site, which when used share personally identifiable information with our technology Partners.
Protecting Children’s Privacy Online (Children’s Online Privacy Protection Act (COPPA)) Disclosure. The Site is not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Site. We do not knowingly collect information from children under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any PII to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected PII from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided All Points Financial with PII in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
English Language Govern this Privacy Notice. You acknowledge and agree that the text of this Privacy Notice, including any and all linked pages or other page Sites, have been written, and are offered, in both English and Spanish. Each version is authentic. In the event of any dispute regarding this Privacy Policy, however, the English version shall be given priority of interpretation and shall therefore be controlling. Additionally, all notifications shall be provided by one party hereunder to the other party in the English language. You may request a copy of this Privacy Notice in Spanish for your records.
Updates to this Privacy Notice. This Online Privacy Notice is subject to change at the sole discretion of All Points Financial. Please review the Privacy Policy periodically to see if there are any changes. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. You agree that your use of the Site following any changes to this Notice means that you accept the revised Notice and the Privacy policies therein.
If you have any questions or suggestions regarding our privacy policy, please contact us:
VYSYZ LLC d/b/a/ All Points Financial
6360 NW 5TH WAY SUITE 302
FORT LAUDERDALE, FL 33309
Via Email at: [email protected] or
PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS. YOU SHOULD VISIT THESE POLICIES FROM TIME TO TIME TO ENSURE YOU HAVE THE LATEST VERSION IN YOUR RECORDS.
