Privacy Policy

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Last Updated: 7/30/2025

Tree Top Financial (“we,” “us,” or “our”) values your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, and share personal information we obtain through our website, treetop-financial.com, and any other website or online service that links to this Privacy Policy (collectively, the “Services”). It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Agreement to this Policy

By accessing or using our Services, you agree to the terms of this Privacy Policy. If you do not agree to this Privacy Policy, please do not access or use our Services.

Information We Collect

We collect personal information from you when you use our Services. The types of personal information we may collect include:
Contact information, such as your name, address, email address, and phone number.
Financial information, such as your income, assets, and credit score.
Other information you choose to provide, such as information about your financial needs and goals.

We may collect personal information from third-party sources, such as credit bureaus, in order to provide you with our Services.

How We Use Your Information

We use your personal information for the following purposes:

Send you requested product or service information
Respond to customer service requests
Send you a newsletter
Send you marketing communications
Respond to your questions and concerns
To comply with legal and regulatory requirements.

Third Parties

We may share your personal information with third-party service providers that assist us with our business operations, such as website hosting, data analysis, and customer service. We may also share your personal information with lenders, financial institutions, and other third-party providers that offer financial products and services that may be of interest to you.

We may disclose your personal information in response to a subpoena or other legal process, or to protect our rights or the rights of others.

Your Choices

You may choose not to provide us with certain personal information, but this may limit your ability to use certain features of our Services.

Information Sharing

We will share your personal information with third parties only in the ways that are described in this privacy statement. We may provide your personal information to agents or service providers acting on our behalf for limited purposes. For example, we may share personal information with our agents or service providers to ship your order, or send you email on our behalf. These third parties are authorized to use your personal information only to perform the service they are providing for us.

We reserve the right to disclose your personal information as required by law (e.g., to comply with a subpoena, warrant, court order, or similar legal process served on our website) and when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, and/or respond to a government request. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including meeting national security or law enforcement requirements.

In the event Tree Top 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 personally identifiable information will likely be among the assets transferred. You will be notified via email and/or a prominent notice on our website of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.

Choice/Opt-Out

You may opt-out of receiving our newsletter or marketing emails from us by following the unsubscribe instructions included in each newsletter or marketing email or you can contact us at [email protected].

Legitimate Interests

We use cookies, log files, enhanced email, connected mobile, and connected TV communications for our legitimate interests of providing you with relevant and personalized interactions, in accordance with Article 6(1)(f) of the GDPR.

Cookies and Other Tracking Technologies

Cookies

A cookie is a digital file that contains a string of text, storing information. Commonly, web servers that host and maintain websites send cookies to your computer. They are usually stored on your computer via your web browser. The web browser communicates information related to your interactions with the website, back to the webserver of the website. This is a common way to drive personalization across internet-enabled devices, as the storing of this information allows the website to know what it should know about you based on what you previously looked at or interacted with.

Tree Top Financial and our partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.

Log Files

A log file is a digital file that records interactions between software systems. Log files exist across all internet and IP-enabled devices, including the connected mobile, connected TV and enhanced email tactics described herein. Device type and location using latitude and longitude coordinates can also be stored.

As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or page views.

We use this information to analyze trends, administer the site, track users’ movements around the site and gather demographic information about our user base as a whole.

We may record your IP addresses when you place an order through our site in order to detect and prevent fraud.

We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you with advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here http://preferences-mgr.truste.com/ (or if located in the European Union click here). Please note this does not opt you out of being served ads. You will continue to receive generic ads.

Connected Mobile Communications

Through highly selective and privacy-compliant partners, Tree Top Financial may also use connected mobile devices to extend the reach of their marketing and advertising initiatives to maximize relevance for the client experience. Mobile devices may have cookies, but mainly use specifically aggregated device identifiers. Apple devices use the Apple ID for Advertising (IDFA) and Android devices user the Android Advertising ID (AAID). Unlike Cookies, IDFAs and AAIDs do not expire. Apple and Android customers must manually change their IDs on their specific devices and may do so at any time.

Connected TV Communications

Through highly selective and privacy-compliant partners, Tree Top Financial may also utilize addressable TV integrations in our marketing and advertising communication tactics. Set-top boxes (cable boxes) are assigned Subscriber IDs that represent a customer’s viewership preferences in a privacy compliant and aggregated fashion. Unlike Cookies, these Subscriber IDs do not expire. Customers of these cable providers must inform their cable providers if they would like to opt-out of targeted advertising content.

Enhanced Email Communications

Email marketing communications that you may receive from Tree Top Financial may contain code that operates similar to a cookie, called a pixel. Pixels are usually short lines of HTML code that are activated when you open or click content within an email. Measuring and analyzing these interactions enables more contextual and personalized email communications, as well as inform tactics across connected mobile and connected TV tactics through the process of data onboarding.

Data Onboarding

Through highly selective and privacy-compliant partners, Tree Top Financial may engage in the process of transforming offline data into an online environment or transforming online data into an offline environment. Such a process will entail, at the very least, the aggregated matching of customer data across disparate data sets. The aggregation will ensure consumer privacy while still facilitating the contextual relevance of the data. Once aggregated, this data would be shared with our advertising platform partners for marketing and advertising activities.

Correcting and Updating Your Personal Information

Upon request we will provide you with information about whether we hold any of your personal information. If you wish to request access or deletion of your personal information, please contact us at [email protected].

We will respond to your request within a reasonable timeframe.

Data Retention

We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. Cookies and Devices will be stored in the DMP for up to 90 days, but could be stored with our advertising partners for up to 180 days.

Links to Other Websites

Our site includes links to other websites whose privacy practices may differ from those of treetop-financial.com. If you submit personal information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.

Social Media Widgets

Our website includes Social Media Features, such as the Facebook Like button, and Widgets, such as the Share This button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.

Testimonials

We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at [email protected].

Security

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. If you have any questions about security on our website, you can contact us at [email protected].

Notice to California

Residents If you are a California resident, California law may provide you with additional rights concerning Tree Top Financials’ collection and use of your personal information. After reading this Online Privacy Policy, please click here to visit Tree Top Financials’ California Privacy Notice to learn more about your California Privacy Rights.

Notice to Vermont

Residents In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we do not share your information with non-affiliated third parties and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you with this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such a request in writing at [email protected]. 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].

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.

Updates to this Privacy Policy

We may update this Privacy Policy from time to time. The effective date of the current version of this Privacy Policy is noted at the top of this page. We encourage you to review this Privacy Policy periodically to stay informed about our data practices.

Contact Us

If you have any questions about this Privacy Policy or our data practices, please contact us at: