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About Us

About New Step Financial

Welcome to New Step Financial! We are a company dedicated to helping individuals find solutions to consolidate and manage their debts.

Are you tired of juggling multiple payments and dealing with high interest rates? We understand how overwhelming and stressful debt can be, which is why we offer a range of services to help you get back on track.Our team of experienced professionals is here to work with you to find the best consolidation options for your specific financial situation. We will help you understand your options, negotiate with creditors, and create a personalized plan to get out of debt.We pride ourselves on our transparency and customer service. Our goal is to help you achieve financial freedom and peace of mind.

Our Mission

Our mission at New Step Financial is to provide compassionate and personalized support to help our clients achieve financial freedom. We believe that everyone deserves the opportunity to take control of their finances and
live a debt-free life.

Our Vision

Our vision is to be the leading provider of debt consolidation solutions, offering a range of options to meet the unique needs of our clients. We strive to create a positive and supportive environment for our clients, and to be a trusted resource for financial guidance and support.

Thank you for choosing New Step Financial.

We look forward to helping you on your journey to debt freedom.

 Terms and Conditions


Welcome to


These terms and conditions outline the rules and regulations for the use of New Step Financial’s website, located at


By accessing this website we assume you accept these terms and conditions. Do not continue to use if you do not agree to take all of the terms and conditions stated on this page.


The following terminology applies to these Terms and Conditions, Privacy Statement and Disclaimer Notice and all Agreements: “Client”, “You” and “Your” refers to you, the person log on this website and compliant to the Company’s terms and conditions. “The Company”, “Ourselves”, “We”, “Our” and “Us”, refers to our Company. “Party”, “Parties”, or “Us”, refers to both the Client and ourselves. “debt free” relates solely to enrolled, unsecured debts, “upon successful program completion” relates to completion of all program requirments and timelines. In addition, please note: not all creditors will negotiate, some programs are not available in all states, anyone considering bankruptcy should contact a bankruptcy attorney. All terms refer to the offer, acceptance and consideration of payment necessary to undertake the process of our assistance to the Client in the most appropriate manner for the express purpose of meeting the Client’s needs in respect of provision of the Company’s stated services, in accordance with and subject to, prevailing law of Puerto Rico. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.



We employ the use of cookies. By accessing, you agreed to use cookies in agreement with the’s Privacy Policy.


Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.



Unless otherwise stated, and/or its licensors own the intellectual property rights for all material on All intellectual property rights are reserved. You may access this from for your own personal use subjected to restrictions set in these terms and conditions.


You must not:


• Republish material from

• Sell, rent or sub-license material from

• Reproduce, duplicate or copy material from

• Redistribute content from


This Agreement shall begin on the date hereof.


Parts of this website offer an opportunity for users to post and exchange opinions and information in certain areas of the website. does not filter, edit, publish or review comments prior to their presence on the website. Comments do not reflect the views and opinions of, its agents and/or affiliates. Comments reflect the views and opinions of the person who post their views and opinions. To the extent permitted by applicable laws, shall not be liable for the Comments or for any liability, damages or expenses caused and/or suffered as a result of any use of and/or posting of and/or appearance of the Comments on this website. reserves the right to monitor all Comments and to remove any Comments which can be considered inappropriate, offensive or causes breach of these Terms and Conditions.


You warrant and represent that:


• You are entitled to post the Comments on our website and have all necessary licenses and consents to do so;

• The Comments do not invade any intellectual property right, including without limitation copyright, patent or trademark of any third party;

• The Comments do not contain any defamatory, libelous, offensive, indecent or otherwise unlawful material which is an invasion of privacy

• The Comments will not be used to solicit or promote business or custom or present commercial activities or unlawful activity.


You hereby grant a non-exclusive license to use, reproduce, edit and authorize others to use, reproduce and edit any of your Comments in any and all forms, formats or media.




The following organizations may link to our Website without prior written approval:


• Government agencies;

• Search engines;

• News organizations;

• Online directory distributors may link to our Website in the same manner as they hyperlink to the Websites of other listed businesses; and

• System wide Accredited Businesses except soliciting non-profit organizations, charity shopping malls, and charity fundraising groups which may not hyperlink to our Web site.


These organizations may link to our home page, to publications or to other Website information so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products and/or services; and (c) fits within the context of the linking party’s site.


We may consider and approve other link requests from the following types of organizations:


• commonly-known consumer and/or business information sources;

• community sites;

• associations or other groups representing charities;

• online directory distributors;

• internet portals;

• accounting, law and consulting firms; and

• educational institutions and trade associations.


We will approve link requests from these organizations if we decide that: (a) the link would not make us look unfavorably to ourselves or to our accredited businesses; (b) the organization does not have any negative records with us; (c) the benefit to us from the visibility of the hyperlink compensates the absence of; and (d) the link is in the context of general resource information.


These organizations may link to our home page so long as the link: (a) is not in any way deceptive; (b) does not falsely imply sponsorship, endorsement or approval of the linking party and its products or services; and (c) fits within the context of the linking party’s site.


If you are one of the organizations listed in paragraph 2 above and are interested in linking to our website, you must inform us by sending an e-mail to Please include your name, your organization name, contact information as well as the URL of your site, a list of any URLs from which you intend to link to our Website, and a list of the URLs on our site to which you would like to link. Wait 2-3 weeks for a response.


Approved organizations may hyperlink to our Website as follows:


• By use of our corporate name; or

• By use of the uniform resource locator being linked to; or

• By use of any other description of our Website being linked to that makes sense within the context and format of content on the linking party’s site.

• No use of’s logo or other artwork will be allowed for linking absent a trademark license agreement.




Without prior approval and written permission, you may not create frames around our Webpages that alter in any way the visual presentation or appearance of our Website.




We shall not be hold responsible for any content that appears on your Website. You agree to protect and defend us against all claims that is rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.




Please read our Privacy Policy




We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amen these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.




If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.


We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.




To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:


limit or exclude our or your liability for death or personal injury;

limit or exclude our or your liability for fraud or fraudulent misrepresentation;

limit any of our or your liabilities in any way that is not permitted under applicable law; or

exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.


As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Privacy Policy


Effective Date: May 5, 2022


Hello and welcome to New Step Direct, Inc.! We will use a few terms in this Privacy Policy: “Privacy Policy” or “Policy”: This Privacy Policy, which is a part of our Terms of Service. We also may use terms from our Terms of Service in this Privacy Policy.


“New Step Direct”, “we”, “us” or “our”: New Step Direct, Inc.


“you” or “your”: you


“Site”: and its subdomains


“App”: any downloadable applications we make available to you,


“Services”: any software or services we make available to you, including the Site and/or App.


This Privacy Policy describes how News Step Direct treats information collected or provided in connection with your use of New Step Direct’s Services.


NOTE: New Step Direct does not knowingly collect information from children under 16. If you are a parent and believe that your child under the age of 16 has used our Services and provided personally identifiable information to us through our Services, please contact us at (include “Child Information” in the subject line) or the mailing address below and we will work to delete that account and any such personally identifiable information.


1. Effective Date; Changes. This Policy applies to all information collected by or provided to us on and after the Effective Date. When we make any material changes to this Policy, we will change the Effective Date above and will inform you by e-mail sent to the address associated with your account and/or through our Services the next time you login. We will treat your continued use of our Services following such notice as your acceptance of the changes. However, we will seek your affirmative consent prior to applying any material change to this Policy on how we use or disclose personally identifiable information to information we collected or received prior to the date of the change.


2. Third Parties. We may offer through our Services or send to registered users links to or offers from third parties. This Policy does not apply to information that you may provide to or that may be collected by third parties. We encourage you to request such third parties to provide you with their applicable privacy policies and other terms and conditions before participating or making a purchase.


3. Collected Information

1. Information You Submit. When you create an account with our Services, we collect the personally identifiable information you provide in the registration form. This information may include your name, e-mail address, picture, due date, child’s name, child’s birthdate, payment information (if applicable) and other information.

2. Social Networking Information. You may share content created on our Services through a social networking site such as Twitter or Facebook (“Social Services”). Integration with Social Services allows us to offer a more personalized experience to you when you use our Services. If you share information on the Social Services, the Social Service may provide us with access to certain information that you have provided to that Social Service (such as your profile picture, interests, and connections), and we will use, store and disclose such information in accordance with this Policy. Please remember that the manner in which Social Services use, store and disclose your information is governed by the terms and conditions and privacy policies of each Social Service, and not the New Step Direct.


3. Measurement Software. Our properties may feature Nielsen proprietary measurement software, which will allow you to contribute to market research, such as Nielsen TV Ratings. To learn more about the information that Nielsen software may collect and your choices with regard to it, please see the Nielsen Digital Measurement Privacy Policy at


4. Information Collected When You Use our Services. When you use our Services, we gather certain non-personally identifiable information from you, and this information can be associated with the personally identifiable information that you provide. This includes usage information, such as information on when, how often and for how long you use our Services, how you use our Services and server log data such as a device’s IP address, MAC address and operating system version. If you choose to provide it, this will also include crash log data consisting of status and debugging information for our Services.

5. Cookies, Web Beacons, and Advertising.

1. We also use cookies on our Services. Cookies are small files that are stored on your computer by your web browser. A cookie allows our Services to recognize whether you have visited before and may store user preferences and other information. For example, cookies can be used to collect information about your use of our Site during your current session and over time (including the pages you view and the files you download), your computer’s operating system and browser type, your Internet service provider, your domain name and IP address, your general geographic location, the website that you visited before the Site, and the link you used to leave the Site. If you are concerned about having cookies on your computer, you can set your browser to refuse all cookies or to indicate when a cookie is being set, allowing you to decide whether to accept it. You can also delete cookies from your computer. However, if you choose to block or delete cookies, certain features of our Services may not operate correctly.

2. Our Services or the emails that you receive from New Step Direct may use an application known as a “web beacon” (also known as a “clear gif”). A web beacon is an electronic file that usually consists of a single-pixel image. It can be embedded in a web page or in an email to transmit information, which could include personal information. For example, it allows an email sender to determine whether a user has opened a particular email.

3. We also may partner with certain third parties to collect, analyze and use some of the personal and non-personal information described in this section. For example, we may allow third parties to set cookies or use web beacons on our Services or in email communications from us. This information may be used for a variety of purposes, including online behavioral advertising, as discussed below.


6. Recommending to Contacts. If you use our Services to send invitations to your contacts to recommend they use our Services, their names and e-mail addresses of the contacts you select will be collected by our servers so we can send them invitations.


7. Use & Disclosure of Information

1. We internally use the information we maintain about you as follows:

1. By using our Services, you agree to receive emails and push notifications (if you use our App) from us regarding our Services. We may from time to time send you push notifications or email messages with information about your use of our Services. You agree that all agreements, notices, disclosures, and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing. You may opt-out of receiving our newsletter by emailing with “Opt-out” in the subject line or by selecting to unsubscribe as may be provided in the applicable email correspondence.

2. We may use submitted information for the purposes for which you provided the information, such as to post comments and create and maintain an account for you.

3. We may use submitted information and collected information to provide the features and functionality of our Services to you.

4. We may use submitted information and collected information to personalize the content (including advertising) that you and others see based on personal characteristics or preferences. This includes without limitation the information you submit when registering for an account, information we collect when you use our Services under Section 4, information pertaining to content you submit to New Step Direct, and other information we may collect pursuant to our Terms of Service or this Policy.

5. We may analyze collected information relating to your use of our Services in order to help us improve our Services and develop and improve other products and services.

6. We may use User Content for any purpose permissible under the Terms of Service or under this Policy.

7. We may use submitted information and collected information to help troubleshoot problems, provide you with required notices, enforce our Terms of Service (for example, when necessary to protect our or a third party’s intellectual property or proprietary rights), or to alert you to changes in our policies or agreements that may affect your use of the Services.


2. We use and disclose the information we maintain about you as follows:

1. If you use a Social Service or other external source to publish or share media created on the Services, you should check the privacy policy of such external source, as it is set by that external source. You understand that information might be re-shared or copied by other users of the Services or the Social Service.

2. If you invite your contacts to use the Services, we may retain their contact information and device identification number on our servers so that we can recognize them as your contacts and connect you to them if and when they sign up to use the Services.

3. We may disclose non-personally identifiable information to third party partners in furtherance of our business arrangements with them, including without limitation to jointly offer a product or service to you or create interoperability between our products and services and the products and services of such partners.

4. We may provide advertisers and other third parties with aggregated, non-identifiable information about our user base and its usage patterns.

5. We will use and disclose your location information as described above under the heading “Location-Based Information.”

6. We may use contractors and third party service providers to provide the Services to our users. When our contractors or service provider obtain access to your information, they are required to protect this information in a manner that is consistent with this Policy by, for example, not using the information for any purpose other than to carry out the services they are performing for New Step Direct.

3. Analytics. We partner with certain third parties to collect the non-identifiable information about how users interact with our website and to engage in analysis, auditing, research, and reporting. These third parties may use web logs or web beacons, and they may set and access cookies on your computer or other device. In particular, we use Google Analytics to help collect and analyze certain information for the purposes discussed above. You may opt out of the use of cookies by Google Analytics here.

4. Interest-Based Advertising. Our Services also enable third party tracking mechanisms to collect information, such as your IP address, device ID, and cookies, for use in online behavioral advertising. For example, third parties may use the fact that you visited the Site to target online ads for New Step Direct services to you on non-New Step Direct websites. In addition, our third-party advertising networks might use information about your use of the Site to help target non-New Step Direct advertisements based on your online behavior in general. For information about behavioral advertising practices, including privacy and confidentiality, visit the Network Advertising Initiative website or the Digital Advertising Alliance website. The use of online tracking mechanisms by third parties is subject to those third parties’ own privacy policies, and not this Privacy Policy. If you prefer to prevent third parties from setting and accessing cookies on your computer, you may set your browser to block cookies. Additionally, you may remove yourself from the targeted advertising of companies within the Network Advertising Initiative by opting out here, or of companies participating in the Digital Advertising Alliance program by opting out here. Although our website currently may not respond to “do not track” browser headers you can limit tracking through these third party programs and by taking the other steps discussed above.

5. Our Services may integrate certain third party plug-ins (such as a Facebook “like” button). Even if you do not click on these plug-ins, they may collect information about you, such as your IP address and the pages that you view. They also may set and/or access a cookie. These plugins are governed by the privacy policy of the company providing them.

6. We will use and disclose information where we, in good faith, believe that the law or legal process (such as a court order, search warrant or subpoena) requires us to do so or in other circumstances when necessary either to protect the rights or property of New Step Direct, our users, and third parties.


8. Viewing and Amending Information. You can log into your account and view and change your user account information at any time.


9. Deleting Your Information. You may at any time cancel your account and request that we delete from our servers all of your account information and the media you have posted through our Services. Such requests will be honored within a reasonable time period after they have been received provided that you give us all reasonably necessary information and cooperation. Certain data may continue to be stored in our backup systems until regularly scheduled deletions occur.


10. Choices Regarding Third Party Offers. To the extent that we send you commercial e-mails regarding third party marketing or promotional materials, we will give you the ability to opt out of receiving such e-mails in accordance with applicable law. We will not provide your personally identifiable information to third parties for their own marketing purposes without your consent.


11. California Residents. If you are a California resident, please review our California Privacy Addendum for additional rights that may be applicable to you.


12. Security. The personally identifiable information we collect about you is stored in limited access servers. We will maintain reasonable safeguards to protect the security of these servers and your personally identifiable information. However, no security measures are 100 percent effective, and we cannot guarantee the security of your personally identifiable information.


13. Transfer As Corporate Asset. In the event of a merger, sale of capital stock or assets, reorganization, consolidation or similar transaction involving New Step Direct, the information we possess (including personally identifiable information) shall be transferred as a corporate asset to the acquiring entity, provided that such entity will continue to handle such information in accordance with this Policy.


14. Transfer to the U.S. or other Countries. New Step Direct is established in and uses facilities in the United States. Your information will be stored and processed in the United States or other countries where New Step Direct has facilities. By using our Services, you consent to the transfer of information outside of your country, even if your country has more rigorous data protection standards.


15. Contacting Us. If you have any questions about this Policy, please contact us at with “Privacy Policy” in the subject line or at 370 Calle Fabril, Carolina Puerto Rico 00987




Date Last Updated: May 27, 2022


If you are a California resident, the California Consumer Privacy Act (“CCPA”) provides you with certain rights regarding your personal information, including the right to know about personal information collected, disclosed, or sold; the right to request that we delete personal information that we have collected from you; the right to opt-out of the sale of your personal information; and the right not to be discriminated against. All of these rights are subject to certain exceptions.


Collection of Personal Information


When you visit or interact with our website, we may collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (“personal information”). We may have collected the following categories of personal information over the past 12 months:


• Identifiers, such as your name, username, email address, or IP address.

• Categories of personal information described in subdivision (e) of California Civil Code Section 1798.80, such as your name, address, and payment card information.

• Characteristics of protected classifications under California or federal law, such as your age.

• Commercial information, such as your purchase records.

• Internet or other electronic network activity information, such as cookies, web logs, and information about how you use our website.

• Geolocation information.

I • nferences drawn from any of the information identified above, such as advertising profiles.


We collect the personal information listed above from the following sources:


• From you directly, when you make an account with us, subscribe to our website, or purchase one of our products.

• From your operating system and platforms.

• From social networks, such as Facebook and Twitter, when you share our content on those platforms.

• Automatically from you when you visit our website.


Disclosure or Sale of Personal Information


In the last 12 months, we may have disclosed the following categories of personal information for our business or commercial purposes:


• Identifiers

• Categories of personal information described in subdivision (e) of California Civil Code Section 1798.80

• Characteristics of protected classifications under California or federal law

• Commercial information

• Internet or other electronic network activity information

• Geolocation information

• Inferences drawn from any of the information listed above.


We may have shared any of the information listed above with:


• Service providers

• Data analytics providers

• Social networks

• Advertising companies


We disclose your personal information for the purposes listed under “ Use & Disclosure of Personal Information” in our Privacy Policy.


Your Rights


Right to Know

California residents have the right to request that we disclose certain information about our collection and use of your personal information over the past twelve months (“Right to Know”). Once we receive and confirm your verifiable consumer request, we will disclose to you:


• The categories of personal information we collected about you.

• The categories of sources for the personal information we collected about you.

• The categories of personal information that we have disclosed for a business or commercial purpose.

• Our business or commercial purposes for collecting or selling personal information.

• The categories of third parties with whom we share that personal information.

• The specific pieces of personal information we collected about you (i.e., a data portability request).


Right to Delete

California residents have the right to request that we delete the personal information that we collected from you and retain, subject to certain exceptions (“Right to Delete”). Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete) your personal information from our records, unless an exception applies.


Right to Opt-Out of Sale

The CCPA provides California residents with the right to opt-out of the sale of their personal information.


Some information that we share with third parties may constitute a “sale,” as that term is defined in the CCPA. To learn more and to opt-out of such sharing, please click here: Do Not Sell My Personal Information.


We do not knowingly “sell” personal information of minors under the age of 16.


Right to Nondiscrimination

The CCPA provides California residents with the right not to receive discriminatory treatment for the exercise of their privacy rights conferred by the CCPA. We will not discriminate against you for exercising any of your CCPA rights.


Exercising Your Rights

If you are a California resident and wish to request for us to provide you with your Right to Know or Right to Delete, you may submit a request to us through the following ways:


  By email at with “Privacy Policy” in the subject line.

  By postal mail at 370 Calle Fabril, Carolina Puerto Rico 00987


Upon receiving a request from you, we will first verify your identity by asking you to provide your name, phone number, and email address. We will confirm your identity by matching the information you provide with what we have on file. We may ask you for additional information to verify your identity or to comply with your request.


Authorized Agent

You may authorize an agent to make a request on your behalf. To designate an agent, please provide a written and signed document by both you and the agent that authorizes the agent to act on your behalf. You may also use a power of attorney. We will still require you to provide sufficient information to allow us to reasonably verify that you are the person about whom we collected personal information.


Contact for More Information


If you wish to contact us regarding our California Privacy Addendum, you may do so through the following methods:


By email at with “Privacy Policy” in the subject line.

By postal mail at 370 Calle Fabril, Carolina Puerto Rico 00987

Privacy Center

New Step Financial’s Privacy Center


New Step Financial’’s Privacy Center allows you to exercise your choices about the personal information (also known as personal data) New Step Financial LLC, doing business as New Step Financial’, has about you. Read our Privacy Policy to learn more about how we handle your information.


If you are a resident of California or Nevada, read Privacy Policy to learn more about your rights under California or Nevada law. Of course, you can use this form to submit your privacy rights requests to us including Do Not Sell My Personal Information. You may also call us at 727-306-2944 for assistance in exercising your rights.




We want you to be in control of your information. In the form provided below you can submit the following requests or take the following actions to exercise control over the information we have about you:


• ACCESS AND PORTABILITY. Request access and receive a copy of the information we have about you by selecting the “Access My Information” option from the drop-down menu.

  CORRECTION OR MODIFY (ALSO KNOWN AS RECTIFICATION). Request to correct or modify the information we have about you by selecting the “Correct or Modify My Information” option from the drop-down menu.


• DO NOT SELL MY PERSONAL INFORMATION. Some of our sharing activities may be a “sale” of personal information under California or Nevada law (read Privacy Policy to learn more). Subject to certain exceptions, as a California or Nevada resident, you may opt-out of the “sale” of your personal information at any time by taking the following actions:

• For information we collect automatically through cookies and similar tracking technologies: change your browser settings to stop accepting cookies or to prompt you before accepting cookies. 

• For all other information you provide to New Step Financial’: you can put on file with us your preference to opt-out of the “sale” of the personal Information we have about you by selecting “Do Not Sell My Personal Information” from the drop-down menu below.

• You can also us call us 1-727-306-2944 for assistance in exercising your rights.

• DELETION (ALSO KNOWN AS ERASURE). If for some reason you ever want to delete the information we have about you, simply submit a request by selecting the “Delete My Information” option from the drop-down menu.

• REVOKE CONSENT OR OBJECT TO PROCESSING. You can revoke the consent you gave to us or object to our processing of the information we have about you by selecting the “Revoke My Consent or Object to Processing of My Information” option from the drop-down menu. If you are seeking to unsubscribe to our emails or change your communication preferences, see below.

• MARKETING AND COMMUNICATION PREFERENCES. If you wish to unsubscribe to any email communications we send to you, simply select “unsubscribe” in the emails. If you wish to unsubscribe to any text messages we send to you, text “STOP” in reply to any text message you receive from us. If you wish to unsubscribe or change/update any communication preferences with us including calls or mail, submit a request by selecting the “Marketing and Communication Preferences” option from the drop-down menu. Please note that we only control our own mailing and marketing lists/subscriptions and policies. Third parties that maintain their own marketing lists may send communications that advertise our services. You must contact these parties directly in order to stop receiving their communications.



If you have any questions or need assist call with any of the above call us at 1-727-306-2944.




To get started you must first provide your email and phone number so we can begin processing your request and so we can communicate with you about your request and your choices. Keep in mind that each option provided below is subject to applicable legal limitations. Depending on the type of request you are making and applicable legal requirements, we may also ask you to verify your identity/request or provide additional information before we let you exercise your choices over the information we have about you. We may also reject your request for several reasons, including, by way of example only, if the request risks the privacy of other persons or is unlawful.