Over 100 years of collection experience ready to serve YOU!

Due to the personal sensitivity of many collection accounts Commonwealth Financial Solutions, Inc. (“CFS”) handles, we understand the need to keep information secure and confidential. In accordance to FDCPA and HIPAA regulations, access to personal consumer/medical-related information concerning (“You”) the debtor and (“Your”) relationship to CFS is restricted to the employees and service providers who use the information to properly service account(s) of which the information is applicable. Furthermore, any organization(s) CFS may employ to provide support in the handling of accounts must adhere to this Privacy Policy and allow periodic assessment by CFS to ensure compliance.

Use of CFS’s website located at www.cfscollect.com, and the input/storage of personal debtor information therein is protected to our best efforts by multiple safeguards. Personal information is stored in local, password-protected servers with limited access, making sure the information is available only to those legally permitted to access it.

Personal information regarding you and your debt being collected by CFS is obtained solely for the purpose of collecting a debt, as permitted by law. This may include forms you have filled out; transactions you have made with CFS; prior handlers of your debtor accounts, our affiliates, or others; and consumer reports (including credit reports). This information may also include your name, address, social security number, current and former employers, payment history, and account balances.

Any personal information obtained by us in regards to the collection of a debt can only be communicated with your express permission, the express permission of a court of law, to yourself, an attorney representing you, the creditor to whom the debt is owed, the creditor’s attorney, our own attorney, or any party other than the aforementioned permitted in adherence to the FDCPA.

No action needs to be taken by you or a legal representative on your behalf to limit the sharing and usage of personal debtor information related to the collecting a debt.

Commonwealth Financial Solutions, Inc. reserves the right to change this Privacy Policy at any time. Notice of the change(s) will be posted on the website for no less than sixty (60) days from the date the change(s) was made. Any change(s) to the Privacy Policy will take effect immediately after the revised policy has been posted on the website.

Media

These web pages may contain electronic images known as Web beacons – sometimes also called single-pixel gifs – that allow this site to count users who have visited those pages and to deliver co-branded services. We may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.

Cookies

We do use cookies to store information, such as your personal preferences when you visit this website.  This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.  We also may use third-party advertisements on the website.  Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP, the browser you used to visit our site, and in some cases, whether you have Flash installed.   You can choose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security.  However, this can affect how you can interact with our site as well as other websites.  This could include the inability to log in to services or programs, such as logging into forums or accounts.

Web Server Logs

When you visit our collection agency’s site, we may track information to administer the site and analyze its usage. Examples of information we may track include:
• Your Internet protocol address.
• The kind of browser or computer you use.
• Number of links you click within the site.
• State or country from which you accessed the site.
• Date and time of your visit.
• Name of your Internet service provider.
• Web page you linked to our site from.
• Pages you viewed on the site.

Refund Policy

It is the policy of Commonwealth Financial Solutions, Inc. to refund any overpayment within a 30-day period back to the person who paid the overpayment to Commonwealth Financial Solutions, Inc. Refunds will be mailed to the address we have on file at the time of the refund or refunded to the card used in the transaction.

This Privacy Policy describes how Commonwealth Financial Solutions, Inc. (“Company,” “we,” “us,” or “our”) collects, uses, and protects the personal information you provide to us, including when you sign up to receive SMS text messages from us.

Information We Collect

We may collect personal information such as your name, phone number, and other details when you voluntarily provide it to us (e.g., when opting in to SMS communications).

How We Use Your Information

We use your information to:

• Send you SMS text messages related to your purchases, appointments, services, or promotional offers.
• Communicate updates, reminders, and other relevant information.
• Improve our services and customer experience.

SMS Privacy

• We do not share or sell your SMS opt-in data or phone numbers to third parties for marketing purposes.
• Your mobile information will not be shared with affiliates, partners, or third-party providers except as required to deliver our messaging services.
• Carriers are not liable for delayed or undelivered messages.

Your Choices

• You may opt-out of SMS messages at any time by replying “STOP.”
• For help, reply “HELP” or contact us at 540-373-6441 or info@cfsvirginia.net

Data Security

We take reasonable precautions to protect your personal information against loss, misuse, unauthorized access, and disclosure.

Updates to This Policy

We may update this Privacy Policy from time to time. Updates will be posted with a revised “last updated” date.

Last Updated: 08/29/2025

Commonwealth Financial Solutions, Inc. SMS Terms & Conditions

By opting in to receive SMS messages from Commonwealth Financial Solutions, Inc., you agree to the following terms:

Message Frequency

• You will receive SMS messages related to your interactions with us, which may include appointment reminders, service updates, product information, or promotions.
• Message frequency may vary.

Fees

• Message and data rates may apply depending on your mobile carrier plan.
• Commonwealth Financial Solutions, Inc. is not responsible for any charges imposed by your carrier.

Opt-In and Opt-Out

• By providing your phone number, you consent to receive SMS messages from Commonwealth Financial Solutions, Inc.
• You can opt out at any time by replying “STOP.” After you opt out, you will receive a confirmation message, and no further messages will be sent.
• To request help, reply “HELP” or contact us at 540-373-6441 or info@cfsvirginia.net.

Privacy

• We respect your privacy. Your phone number and SMS opt-in data will not be shared, sold, or disclosed to third parties for marketing purposes.

Delivery

• Message delivery is subject to your mobile carrier and network availability. Carriers are not liable for delayed or undelivered messages.