Privacy Policy, Data Security, and Member Confidentiality Policy
Effective Date: June 23, 2026
Our Commitment to Privacy
CommitmentOnly.com, IFMF, Interest Free Mortgage Fund, IF Holdings, Inc., and all related subsidiaries, affiliates, programs, websites, applications, member portals, services, and associated entities (collectively referred to as the “Organization”) are committed to protecting the privacy, confidentiality, security, and trust of every member, visitor, and user.
This platform is intended to be a private, member-focused community. We believe personal information belongs to the individual who provides it and should be protected accordingly.
Information We Collect
We collect only information reasonably necessary to:
- Establish and manage membership accounts
- Verify identity and eligibility
- Provide member services and benefits
- Process transactions and communications
- Maintain platform security
- Comply with applicable laws and regulations
- Improve the functionality and reliability of our services
Information may include:
- Name
- Mailing address
- Email address
- Telephone number
- Membership information
- User account credentials
- Documents voluntarily submitted by members
- Communications with the Organization
- Technical information necessary for website operation and security
Information We Do Not Sell or Share
The Organization does NOT:
- Sell personal information
- Rent personal information
- Trade personal information
- License personal information
- Share member information with advertisers
- Use member information for third-party marketing
- Data mine information for commercial resale
- Build consumer profiles for sale
- Permit unauthorized access to member information
- Solicit members on behalf of third parties
Your information is never treated as a product or revenue source.
Limited Disclosure of Information
Information may only be disclosed when:
- Required by law, subpoena, court order, or lawful government request
- Necessary to protect members, the Organization, or the public from fraud or unlawful activity
- Required to provide services requested by a member through approved service providers operating under confidentiality obligations
- Authorized by the member through written consent
The Organization requires all approved service providers to maintain confidentiality and security standards consistent with this policy.
Data Security Policy
The Organization maintains commercially reasonable administrative, technical, and physical safeguards designed to protect personal information.
Security measures may include:
- Secure servers and encrypted communications
- Access controls and authentication procedures
- Employee confidentiality obligations
- Continuous monitoring and security updates
- Secure document storage practices
- Restricted access to sensitive information
- Periodic review of security procedures
While no system can guarantee absolute security, we continuously work to maintain and improve our security practices.
Member Confidentiality Policy
All personal, financial, membership, and account information provided by members shall be treated as confidential.
Access to member information is limited to authorized personnel, contractors, or service providers who require such access to perform legitimate duties on behalf of the Organization.
Members' private information will not be disclosed except as permitted under this policy or required by law.
The Organization recognizes confidentiality as a cornerstone of member trust.
Member Rights and Access
Members may request to:
- Review information maintained about them
- Correct inaccurate information
- Update account information
- Request deletion of information where legally permissible
- Request a copy of information they have provided
Certain records may be retained to satisfy legal, contractual, accounting, security, or regulatory obligations.
Cookies and Website Technologies
The Organization may use cookies and similar technologies solely to:
- Maintain website functionality
- Authenticate users
- Improve user experience
- Analyze system performance
- Protect against fraud and unauthorized access
Cookies are not used to sell information, build advertising profiles, or conduct invasive tracking activities.
Users may adjust browser settings to limit or disable cookies; however, certain website functions may become unavailable.
Communications Policy
The Organization may contact members regarding:
- Membership status
- Account administration
- Security notifications
- Service updates
- Required legal or regulatory notices
- Information specifically requested by the member
The Organization does not engage in third-party marketing campaigns using member information.
Members may opt out of non-essential communications where permitted by law.
Third-Party Service Providers
The Organization may utilize trusted third-party providers for services such as:
- Website hosting
- Cloud storage
- Payment processing
- Security monitoring
- Communication delivery
Such providers are permitted access only to information necessary to perform their contracted services and are required to maintain confidentiality and security protections.
Children's Privacy
The Organization does not knowingly collect personal information from individuals under 18 years of age without appropriate parental or legal guardian authorization.
If information is discovered to have been collected improperly, reasonable steps will be taken to remove it.
International Users
Users accessing the platform from outside the United States acknowledge that information may be processed and stored within the United States or other jurisdictions where the Organization or its service providers operate.
Privacy Rights and Transparency
Consistent with applicable privacy laws, including principles reflected in state, federal, and international privacy frameworks, the Organization supports reasonable rights regarding:
- Access to personal information
- Correction of inaccurate information
- Deletion requests where legally permissible
- Transparency regarding data practices
- Protection against unauthorized disclosure
Requests may be submitted using the contact information below.
Terms of Use Notice
Use of any website, application, platform, service, or membership program operated by the Organization constitutes acceptance of:
- This Privacy Policy
- Applicable Terms of Use
- Membership agreements
- Program-specific disclosures
Users are responsible for maintaining the confidentiality of their account credentials and for promptly notifying the Organization of any suspected unauthorized account activity.
Limitation of Liability
The Organization employs reasonable efforts to protect information but cannot guarantee absolute protection against all cyber threats, criminal acts, technological failures, or unforeseen events.
To the fullest extent permitted by law, the Organization disclaims liability for unauthorized access resulting from circumstances beyond its reasonable control.
Policy Updates
This policy may be updated periodically to reflect legal, regulatory, operational, technological, or organizational changes.
Updated versions will be posted on the applicable website with a revised effective date. Continued use of the platform constitutes acceptance of the updated policy.
Contact Information
Privacy Officer
CommitmentOnly.com
IFMF – Interest Free Mortgage Fund
IF Holdings, Inc.
Website: CommitmentOnly.com
Email: privacy@commitmentonly.com
Mailing Address: IF Holdings, Inc. PO Box 7902, Clearwater, FL 33758
Privacy Promise
The Organization is committed to maintaining a private, transparent, secure, and member-focused environment. We believe trust is earned through responsible stewardship of information, clear communication, strong security practices, and respect for every member's privacy rights.
Our commitment is simple:
- We do not sell your information.
- We do not exploit your information.
- We do not use your information as a product.
- We protect your information as a matter of principle.