Consolidated Credit Privacy Policy

Privacy Statement

The information in this privacy statement applies only to this website.

We at Consolidated Credit Counseling Services, Inc. (“Consolidated”) respect your right to privacy. We understand that maintaining the confidentiality of your financial situation is important to you. We want you to understand what information we gather about you, how we use it, and the safeguards we have in place to protect it. We also want you to understand that in connection with a request for our assistance, you may ask us to intervene with your creditors on your behalf, and that the sharing of certain non-public information with them is a necessary part of the credit counseling process.

The following discloses the information gathering and dissemination practices for this web site. Information Automatically Logged:

IP Address – We Use Your IP Address For Other Purposes

IP addresses are automatically logged and the domain name which you are using at the time of entry is also logged to a file. This information is stored purely as a means of viewing web site hits and traffic. This information is not given to any third parties for any reason, and is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than those stated here.

Cookies – Our Site Uses Cookies For Other Purposes

Cookies are used as a means of identifying repeat visitors. Changing your web browser’s setup to “reject” cookies does not prevent a user from visiting any portion of this website.

Our Principles for Privacy Protection

Our site’s registration and Online forms require users to give us contact information (like their name, email, or postal address). Due to the nature of this web site, financial information is also requested on a voluntary basis from the visitor. Consolidated does not share your financial information with any non-affiliated third parties other than those who help us in providing assistance to you, and they are required to maintain it in strict confidence. We do not rent or sell your personal financial information to any outside marketer. We maintain security practices and procedures designed to ensure the security, integrity, and confidentiality of your personal financial information. We educate our employees about safeguarding client information and preventing unauthorized access, disclosure or use, while limiting employee access to client information to those who need it to assist you.

Off-Line/Email Data Collection ConsolidatedCredit.org only collects a limited amount of financial information from consumers on their online forms. However, during the credit counseling session which is done through face-to-face conversations, telephone calls, and e-mail communications, additional information may be requested.

What information do we collect?

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms, whether submitted through the Internet or manually, as well as through face-to-face conversations, telephone calls, and e-mail communications. This information may include your name, address, telephone and social security number, as well as your creditors’ names and addresses, the amounts you owe your creditors and their account numbers, credit card account information, and your living expenses.
• You may provide us with certain banking information, via the Internet, on the phone or in person, in order to process ACH payments.
• Information about your transactions with us.
• Information we receive from your creditors.

What information do we disclose?

We may disclose the following kinds of non-public personal information about you in the course of providing credit counseling services on your behalf:

• Information we receive from you on applications or other forms and from other communications with you, such as your name, address, financial account numbers, Social Security number, assets and income.
• Information about your transactions with us, such as your account balance, monthly payment obligations, payment history, and method of payment.

To whom do we disclose information?

We do not disclose any non-public personal information about our clients, or former clients to anyone, except as noted below in response to a court order, when required by law or when we believe in good faith disclosure is required by law or to enforce our terms and conditions or other agreements and polices. We may disclose non-public personal information about you to your financial service provider creditors such as banks, saving and loans, credit unions, mortgage bankers, finance companies, and credit card issuers. For the purpose of fulfilling our mission and providing you with certain services and to process your requests and payments, we may disclose your personal information to one or more service providers or other third parties who are assisting us in performing such services. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, in the event that you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to provide additional financial services that you may want to consider.

How do we protect information?

Only those employees or servicing agents obligated to maintain the confidentiality of information who might need to know non-public personal information in order to provide assistance to you have access to such information.

External Links

This site contains links to other sites. Consolidated is not responsible for the privacy practices or the content of such websites. The contents of such websites are unknown and in no event, should you assume that Consolidated condones, approves of, or recommends the content of any website that is linked from the Consolidated pages or any other pages of this website. Complaints about the content of any linked site from the Consolidated pages should be directed to the owner of that site and not Consolidated.

Security

This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Information, if any, submitted for use by visitors is kept strictly confidential. Only the information visitors provide and authorized by the visitor is used for the purpose it was submitted.

Short Message Service

Consolidated Credit Counseling Services, Inc. may make available a service through which you can receive financial advice on your wireless device via short message service (“SMS Service”). 1 message is sent per week. 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. You 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 are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Consolidated Credit Counseling Services 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. SMS message services are provided on an AS IS basis. Consolidated Credit Counseling Services 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. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. 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.

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-enables 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. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

By joining our subscription program you authorize Consolidated Credit to send you autodialed marketing text messages at the mobile number provided. Consent isn’t required to purchase goods or services.

You may remove your information by going to https://members.consolidatedcredit.org or by sending “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to 71610.

You may also Text HELP to 71610 or call 8882447181 for support.

We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit http://info.yahoo.com/privacy/us/yahoo/opt_out/targeting/details.html

Third Party Analytics Software

This site uses a web analytics service that may record mouse clicks, mouse movements, scrolling activity as well as any text you type in this website. The Web analytics software does not collect personally identifiable information that you do not voluntarily enter in this website. Web analytics software does not track your browsing habits across web sites which do not use our Web analytics services. For more, information see Privacy Policy for Information Collected by the Web Analytics software services.

We are using the information collected by a web services analytics provider to help analyze where visitors go and what they do while visiting our website. We may also use anonymous information about your visitors to this and other websites that subscribe to this service, in order to improve our products and services.

Data Quality/Access

This site gives users the following options for changing and modifying information previously provided. You can go to https://members.consolidatedcredit.org to submit your request.

Opt-Out Policy

If you prefer that we do not send you email communications, you may opt out of those services, that is you may direct us not to use your email address as part of our marketing efforts. If you wish to opt out of email communications, you may do so by emailing [email protected], by replying to an existing email with your request to be removed from the mailing list or click here.

Questions or Corrections?

If you have any question about our privacy policy and practices please contact us at (954) 484-3328 or contact: [email protected]. If you want to correct any personal information in our files, please submit a written request to us. Thank you for choosing Consolidated to assist you in restoring your financial well being.

Licensing

Licensed by the Vermont Department of Banking, Insurance, Securities and Healthcare Administration. Licensed by the New York State Banking Department, 5701 W. Sunrise Blvd., Ft. Lauderdale, FL 33313

The Commissioner of Financial Regulations for the State of Maryland will accept questions and complaints from Maryland residents regarding Consolidated Credit Counseling Services, Inc., license # 14-9 at 500 North Calvert Street, Suite 402, Baltimore, MD 21202-3651 or toll free at 1-888-784-0136.

Oregon Registration #DM-80031

Indiana – We do not lend money.

Licensed by the Virginia State Corporation Commission- License #DC-32

Revised Privacy Policies

Please note that we reserve the right to change or modify our privacy practices that are described above from time to time simply by posting a revised Privacy Policy on our Website www.consolidatedcredit.org. Any such change shall be effective immediately upon posting of the revised Privacy Policy on the Website. The revised Privacy Policy shall be effective for information we already have about you, as well as any information we receive in the future. You should refer to this Privacy Policy on an ongoing basis so that you are aware of our current privacy practices.

Debt.com Terms & Conditions

Notice to California Residents: As a California resident, you have the following rights regarding your personal information

1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under California law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.  
3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under California law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request. 
4. Opt-Out of the Selling or Sharing of your Data or Joint Marketing. 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. The CCPA requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The CCPA defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the CCPA the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
5. Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
6. Appeal. You have the right to appeal Company’s decision to refuse to act on a CCPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
8. Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
9. Notice of Financial Incentives. Company may offer rewards or prizes for participation in certain activities that may be considered a “financial incentive” under California law. These activities may involve the collection of personal information. The categories of personal information we collect is limited to what information you provide us, but may include: identifiers, protected class/demographic information, commercial information, online activities, geolocation information (general and precise), sensory information, employment information, and inferences. Activities we engage in that may be considered a financial incentive include surveys where we may provide compensation such as a gift card or bonus in exchange for your time and responses, or a prize through your participation in promotions and sweepstakes. Participation in these programs may be subject to separate terms and conditions. Your participation in these programs is voluntary and you can terminate at any time as explained in any applicable terms. If we offer gift cards in exchange for your participation in a survey or when we engage in promotions or sweepstakes, the amount provided is reasonably related to the value of the data you provide, which takes into account a number of factors, including, the anticipated benefit we receive such as product improvement, better understanding how you use our products, to enhance our understanding of consumer and market trends, increased consumer engagement, and the anticipated expenses we incur in relation to the collection, storage, and use of the information we receive. The value may vary across surveys, promotions, and sweepstakes.
10. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
11. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights. 

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].

Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:

1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under Colorado law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.  
3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under Colorado law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
4. Opt-Out of the Selling or Sharing of your Data or Joint Marketing. 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. The Colorado law requires to describe the categories of personal information our company sell or share to third parties and how to opt-out of future sales or share of said information. The Colorado law defines a “Sale” broadly to include the mere making of your personal information available to third parties in some cases. Under the Colorado law the term “Share” is defined as providing personal information to a third party to target advertising to a consumer based on information about their activity on multiple websites across the internet. For information how to request an opt-out of the selling or sharing of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
5. Disclosure Request. You have the right to request that we provide you with (i) a list of certain categories of personal information we have disclosed to third parties for their direct marketing purposes during the immediately preceding calendar year; and (ii) the identity of those third parties. For information how to obtain a disclosure request of your personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
6. Appeal. You have the right to appeal Company’s decision to refuse to act on a Colorado law data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 45 days, Company will provide you with a written explanation of the justification for declining to act on your request.
7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
8. Retention. We retain personal data for as long as necessary to provide the Services and fulfill the transactions you have requested, comply with our legal obligations, resolve disputes, enforce our agreements, and other legitimate and lawful business purposes. Because these needs can vary for different data types in the context of different Services, actual retention periods can vary significantly based on criteria such as user expectations or consent, the sensitivity of the data, the availability of automated controls that enable users to delete data, and our legal or contractual obligations.
9. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
10. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights. 

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:

1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under CTDPA. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.  
3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under CTDPA. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
4. Opt-Out of Targeted Advertising. You have the right to opt-out of targeted advertising and the sale of personal data. For information how to request an opt-out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
5. Appeal. You have the right to appeal Company’s decision to refuse to act on a CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to contact or file a complaint with the Connecticut Attorney General.
6. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
7. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.

Non-Discrimination For Exercising Your Rights. You have the right to not be discriminated against for exercising any of your privacy rights.

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:

1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
2. Obtaining a portable copy of your personal data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under Utah law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
4. Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data. For information how to request the opt out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
5. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
6. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
7. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights.

Notice to Virginia Residents. As a Virginia resident, you have the following rights regarding your personal information:

1. Access. You have a right, twice in a 12-month period, to request that our Company disclose to you the personal information that we collected about you, and any additional information about our collection, use, disclosure, or sale of such personal information, which is also contained in this privacy policy.
2. Correction. You have the right to request that we correct inaccurate personal information under certain circumstances, subject to a number of exceptions provided under Virginia law. For information how to request the correction of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request. 
3. Deletion. You have the right to request that we delete your personal information under certain circumstances, subject to a number of exceptions, subject to a number of exceptions provided under Virginia law. For information how to request the deletion of personal information, please see section V of this policy, and specifically subsection titled Submitting a Data Request. 
4. Opt-Out of Targeted Advertising. You have a right to opt-out of targeted advertising and the sale of personal data. For information how to request the opt out of targeted advertising, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
5. Obtaining a portable copy of your personal data. To obtain a copy of your personal data that you previously provided to us in a portable format, please submit an “Access” request as described above. While these requests are distinct, we have not identified any technically feasible and readily usable format that would allow you to transmit this data to another controller. Therefore, we will provide you a copy of your personal data so that we honor your request as best is technically feasible.
6. Appeal. You have the right to appeal Company’s decision to refuse to act on a CTDPA data privacy request within a reasonable period after you receive our decision. To appeal our decision, you should send your objection to our denial via email to [email protected] and to allow Company to review your data subject request. Within 60 days, Company will provide you with a written explanation of the justification for declining to act on your request. If you disagree with our explanation you have the right to file a complaint with the Virginia Attorney General.
7. Authentication/Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request (except for a request to opt-out of sales or sharing). Company may require you to provide any of the following information: your name, date of birth, your phone number, your Social Security number, the email and physical addresses. If you request that we provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request, or authorized personnel of the consumer making the request. You understand that Company may decline to process your request where: (i) Company is unable to authenticate that you are the person to whom the data relates; (ii) the request is unreasonable or excessive; (iii) or where otherwise permitted by applicable law.
8. Declining Requests. You understand that we may decline requests where granting the request would be prohibited by law, could adversely affect the privacy or rights of another person, would reveal a trade secret or other confidential information, would interfere with a legal or business obligation that requires retention or use of the data, or because the data at issue is not covered under the law you are asserting. Also, where permitted by law if you send us a request to exercise your rights or the choices in this section, we may charge a fee or decline requests in certain cases.
9. Non-Discrimination. You have the right to not be discriminated against for exercising any of your privacy rights. 

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.

VIII. MISCELLANEOUS

Social media sites. Debt.com 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 Debt.com 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 Debt.com’s social media pages, you acknowledge that Debt.com 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 Debt.com may use any information posted by you on Debt.com’s 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 Debt.com social media pages, you are also subject to Debt.com‘s 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 Debt.com, LLC your express signed prior written consent and authorize Debt.com, LLC, 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 Debt.com, LLC your express written consent, to receive electronic communications, including periodic emails with important news, financial tips, tools and more from Debt.com, LLC. 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 Debt.com, LLC’s representative instead at 1.800.810.0989.

Making Sure Information is Accurate. You understand and agree that Debt.com presumes that the Personal Information you provided is, indeed, accurate. Debt.com 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 Debt.com 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.

Do Not Track Disclosures

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 Debt.com 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 Debt.com. 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.

CONTACT US

If you have any questions or suggestions regarding our privacy policy, please contact us:

Debt.com LLC
8220 W. State Road 84., Fort Lauderdale, FL 33324

Via Email at: [email protected]; or

Via Phone: 1.800.810.0989

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.

Debt.com Privacy Policy

DEBT.COM PRIVACY POLICY

Last updated: February 16, 2017.

This Online Privacy Policy (hereinafter sometimes referred to as the “Notice”) applies to this Debt.com online interface (i.e., website or mobile application) and any Debt.com affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites). The term Debt.com or “we” or “us” or “our” in this Notice refers to affiliates or subsidiaries of Debt.com that link to this Notice. This Notice describes how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes.

Debt.com may provide other online interfaces not covered by this Notice. 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: By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

We will use and share any information that we collect from or about you in accordance with Debt.com‘s Privacy Policy, which provides choices in the use and sharing of information. The terms and conditions of this Notice control, and by using the Site, you agree to the terms and conditions of this Notice.

Collecting and Using Information

Registration and Other Information Provided to Us

When you subscribe to or visit Debt.com, you may be asked to disclose personally identifiable information. You may also choose to submit personally identifiable information to us when you send us an email. You acknowledge and agree that we may use and store any such information about you in accordance with our Privacy Policy. We may also process and store your personally identifiable information on a server located outside of your jurisdiction. By providing your Personally Identifiable Information to us, you consent to the transfer of your information across national boundaries. If you do not consent to such transfer as well as the processing and storage of your personally identifiable information outside your jurisdiction, you should not provide such information to us.

Personal Information We Collect Online

Personal Information means personally identifiable information such as information you provide via forms, surveys, applications or other online fields including name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

How We Use Personal Information

We may use Personal Information:

• to respond to your inquiries and fulfill your requests;
• to inform you about important information regarding the Site, products or services for which you apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative information;
• to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you, including ads on other websites;
• to personalize your experience on the Site;
• to allow you to apply for products or services and evaluate your eligibility for such products or services;
• to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your services, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your personal information;
• to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
• collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;
• for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
• for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements;
• to allow you to utilize features within our Sites by granting us access to information from your device such as contact lists, or geo-location when you request certain services.

How Personal Information is Shared

Among the reasons for sharing information, is for cross-marketing purposes with affiliates. We also share non-personally identifiable information about our user base with our advertising affiliates who drive traffic to our website to help them identify and target our ideal customer. We may also share your contact information with third-parties who may contact you for a free, no-obligation consultation. This may include requesting help with Credit Restoration. Under the credit restoration selection, you may be contacted by Lexington Law Firm. You can read their privacy policy here https://www.lexingtonlaw.com/info/privacy-policy.html. A list of companies with whom we may share your information is here.

Other Information We Collect Online

Other Information is any information other than Personal Information that does not reveal your specific identity or does not directly relate to an individual, such as browser information, information collected through cookies, pixel tags and other technologies, demographic information, other information provided by you such as your date of birth or household income, and aggregated and de-identified data.

How We Collect and Use Other Information

We and our third-party service providers may collect and use Other Information in a variety of ways, including:

• Through your browser or device: Certain information is collected by most browsers and/or through your device, such as your Media Access Control (MAC) address, device type, screen resolution, operating system version and internet browser type and version. We use this information to ensure Sites function properly, for fraud detection and prevention, and security purposes.
• Using cookies: Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the Site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the Site in order to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site and to assist us with resolving questions regarding the Site. We also utilize cookies for advertising purposes. Please see the Advertising section below for more information.

  You can refuse to accept these cookies and most devices and browsers offer their own privacy settings for cookies. You will need to manage your cookie settings for each device and browser you use. However, if you do not accept these cookies, you may experience some inconvenience in your use of the Site and some online products and services. For example, we will not be able to recognize your device and you will need to answer a challenge question each time you log on. The site may not load or display properly. You also may not receive tailored advertising or other offers from us that may be relevant to your interests and needs.

• Other technologies including pixel tags, web beacons, and clear GIFs: These may be used in connection with some Site pages, downloadable mobile applications and HTML-formatted email messages to measure the effectiveness of our communications, the success of our marketing campaigns, to compile statistics about usage and response rates, for fraud detection and prevention, for security purposes, for advertising, and to assist us in resolving account holders’ questions regarding use of our Site. Please see our Advertising section below for more information regarding our use of other technologies.
• Google Analytics: We use a tool called “Google Analytics” to collect information about use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. We use the information we get from Google Analytics only to improve this site. Google Analytics collects only the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a permanent cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. Google’s ability to use and share information collected by Google Analytics about your visits to this site is restricted by the Google Analytics Terms of Use and the Google Privacy Policy. You can prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.
• Flash objects: As part of our solutions for online authentication, we use Flash objects (sometimes referred to as “Local Shared Objects”) to help us recognize you and your device when you come back to the Site. For our pages running Adobe® Flash® content (demos and tutorials with moving content), we use Flash objects to determine your browser type and version of Adobe Flash in order for you to view the content. We do not use Flash objects for any online behavioral advertising purpose. Deleting cookies does not delete Flash objects. You can learn more about Flash objects – including how to control and disable them – through the Adobe interface. If you choose to disable Flash objects from our Site, then you may not be able to access and use all or part of the Site or benefit from the information and services offered.
• IP Address: Your IP Address is a number that is automatically assigned to the device that you are using by your Internet Service Provider (ISP). An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the internet and is done automatically by many web sites. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, advertising, for compliance and security purposes and administering the Site. Please see the Advertising section below for more information.
• Aggregated and De-identified Data: Aggregated and De-identified Data is data that we may create or compile from various sources, including but not limited to accounts and transactions. This information, which does not identify individual account holders, may be used for our business purposes, which may include offering products or services, research, marketing or analyzing market trends, and other purposes consistent with applicable laws.

Additional Information

Third party widgets – We may allow certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as a social media platform. The third parties that own these widgets may have access to information about your browsing on pages of our Sites where these widgets are placed. You may wish to review information at the third party site, such as social media platforms where you have an account, to determine how these third parties collect and treat such information. Also, see Linking to other sites and Social media sites below.

Retargeting – As you browse https://www.debt.com, advertising cookies will be placed on your computer so that we can understand what you are interested in. Our display advertising partners, enable us to present you with retargeting advertising on other sites based on your previous interaction with https://www.debt.com and affiliated pages and sites. The techniques our partners employ do not collect personal information such as your name, email address, postal address or telephone number.

Google Interest Based Advertising Program – In order to enhance your experience when you visit our website, we participate in the Google Interest-based Advertising Program (“Program”) to ensure the advertisements on this Site correspond to your interests. We do this by working with Google and other Program participants who, like us, place ads on our Site and those of other Program Participants. We then share the information we collect using Web Cookies placed in your browser in order to provide you with targeted advertising when you visit the Site. You may opt out of Google’s use of cookies by visiting the Google Advertising Opt-Out Page.

Third-Party Web Beacons – We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit http://info.yahoo.com/privacy/us/yahoo/opt_out/targeting/details.html.

The Facebook Companies – Facebook owns and operates each of the companies listed below, in accordance with their respective terms of service and privacy policies. We may share information about you within our family of companies to facilitate, support and integrate their activities and improve our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, please visit the following links:

• Facebook Payments Inc. (https://www.facebook.com/payments_terms/privacy)
• Facebook (https://developers.facebook.com/policy)
• Facebook (https://www.facebook.com/about/privacy/)
• Facebook (https://www.facebook.com/legal/terms)
• Instagram LLC TOS (https://www.instagram.com/about/legal/terms/)
• Atlas (http://atlassolutions.com/privacy-policy)
• Instagram LLC (http://instagram.com/about/legal/privacy/)
• Onavo (http://www.onavo.com/privacy_policy)
• Parse (https://parse.com/about/privacy)
• Moves (http://moves-app.com/privacy)
• Oculus (http://www.oculus.com/privacy/)
• LiveRail (http://www.liverail.com/privacy-policy)
• WhatsApp Inc. (http://www.whatsapp.com/legal/#Privacy)

Short Message Service

We may make available a service through which you can receive financial advice on 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. You 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 are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges 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. 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. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. 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.

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. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

By joining our subscription program you authorize us to send you autodialed marketing text messages at the mobile number provided. Consent isn’t required to purchase goods or services.

You may remove your information by emailing us at [email protected] by replying or sending “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to the Company.

Advertising

Debt.com advertises online (e.g., pages within our Sites and mobile apps through company managed social media presences, and on other sites and mobile apps not affiliated with Debt.com) and offline (e.g. through call centers, and direct marketing). In order to understand how advertising performs, we may collect certain information on our Sites and other sites and mobile apps through our advertising service providers using cookies, IP addresses, and other technologies. The collected information may include the number of page visits, pages viewed on our Sites, search engine referrals, browsing activities over time and across other sites following your visit to one of our Sites or apps, and responses to advertisements and promotions on the Sites and on sites and apps where we advertise.

Debt.com uses information described in this Notice to help advertise our products and services in a variety of ways. We use such information to:

• Present tailored ads, to you including:
  • Banner ads and splash ads and other mobility applications
  • E-mail, postal mail, and telemarketing, and,
  • On other sites and mobile apps not affiliated with Debt.com;
• Analyze the effectiveness of our ads; and
• Determine whether you might be interested in new products or services

How we tailor ads:

Relationship based advertising

In order to help make our advertising informative and useful, we may use information about your relationship with us (such as types of services, transactional information or the state in which you reside) to help determine which advertisements or offers to present to you.

Online Behavioral Advertising

We or our advertising service providers may use certain information about your activities on our Sites, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. We limit access and collection of information for specific purposes by advertising service providers. We may use this online information for online and offline advertising, which we may feel will be a benefit to you.

Advertising on third party sites and mobile apps

Debt.com may contract with advertising companies to advertise our products and services on sites and mobile apps not affiliated with us. We may use Aggregated and De-identified Data and information provided by you to these third party sites and mobile apps to select which of our advertisements or offers may appeal to you, display them to you and monitor your responses. Third Party sites and mobile apps are not subject to Debt.com Privacy Notices. Please visit the individual sites and mobile apps for additional information on their data and privacy practices and opt out policies.

Online Behavioral Advertising on third party sites and mobile apps

Some of our tailored ads are online behavioral advertising, and may be served using data collected by third party providers. Ads served on our behalf by these companies do not contain unencrypted Personal Information and we limit the use of information by companies that serve our ads. To learn more about this practice and your choices in connection with it, see the section Advertising Choices below.

Advertising Choices

You may set your choices for advertising in the following ways:

Online Behavioral Advertising: If you prefer that we not use information based on online Site behavior to provide online and offline tailored content and advertising, you may opt out of online behavioral advertising by emailing us your request at [email protected].

Debt.com 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] or writing to us at Debt.com LLC, 5769 W. Sunrise Blvd., Plantation, FL 33313.

Important Reminder

In order for online behavioral advertising opt outs from our Sites and on other sites to work on your device, your browser must be set to accept cookies. If you delete cookies, buy a new device, access our Site or other sites from a different device, login under a different screen name, or change web browsers, you will need to opt-out again. If your browser has scripting disabled, you do not need to opt out, as online behavioral advertising technology does not work when scripting is disabled. Please check your browser’s security settings to validate whether scripting is active or disabled.

Linking to other sites

We may provide links to third party sites. If you follow links to sites not affiliated or controlled by Debt.com, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. Debt.com does not guarantee and is not responsible for the privacy or security of these sites, including the accuracy, completeness, or reliability of their information.

Social media sites

Debt.com 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 Debt.com 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. 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 Debt.com social media pages, you are also subject to Debt.com‘s Privacy Notices.

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 personal information submitted to us (both during and once we receive it), 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, we cannot guarantee its absolute security.

If you have any questions about security on our website, you can e-mail us at [email protected].

Using other aggregation websites

Other companies offer aggregation websites and services that allow you to consolidate your financial account information from different sources (such as your accounts with us or with other financial institutions) so that you can view all your account information at one online location. To do this, an aggregation provider may request access to Personal Information, such as financial information, usernames and passwords. You should use caution and ensure that the aggregator company has appropriate policies and practices to protect the privacy and security of any information you provide or to which they are gaining access. We are not responsible for the use or disclosure of any Personal Information accessed by any company or person to whom you provide your Site username and password.

If you provide your Site username, password or other information about your accounts with us to an aggregation website, we will consider that you have authorized all transactions or actions initiated by an aggregation website using access information you provide, whether or not you were aware of a specific transaction or action. If you decide to revoke the authority you have given to an aggregation website, we strongly recommend that you change your password for the Site to ensure that the aggregation website cannot continue to access your account.

Making sure information is accurate

Keeping your information accurate and up to date is very important. If your information is incomplete, inaccurate or not current, please email or write to us at the appropriate address for changes listed on your service materials as provided by us.

Business Transitions

In the event that Debt.com 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 prominent notice on our website for 30 days of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.

California Do Not Track Disclosures

How do we respond to Web browser “do not track” 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

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.Debt.com?

No.

Notice to California Residents

In response to a California law, we will automatically treat accounts with California billing addresses as if you requested Debt.com to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

Residents of the State of California may request a list of all third-parties to which this website has disclosed certain information during the preceding year for those third-parties’ direct marketing purposes. If you are a California resident and want such a list, please contact us at [email protected].

For all requests, you must put the statement “California Shine the Light Privacy Request” in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.

Notice to Vermont Residents

In response to Vermont regulations, Debt.com automatically treats accounts with Vermont billing addresses as if you requested that Debt.com not share your information with nonaffiliated third parties, and that Debt.com limit the information it shares with its affiliates. If Debt.com discloses 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 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].

Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our websites from residents of the United States. If you are visiting our websites 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.

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 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that Debt.com has received information from a child or other person who is not a majority age in their relevant jurisdiction, 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.

Protecting individual health information

To the extent that we receive, maintain, or process an individual’s protected health information, Debt.com may disclose that information as authorized by and in accordance with applicable federal and/or state law.

Updates to this Privacy Notice

This Online Privacy Notice is subject to change. Please review it periodically. 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. Your use of the Site following these changes means that you accept the revised Notice.

Contact Us

If you have any questions or suggestions regarding our privacy policy, please contact us at [email protected] or 1.800.810.0989, or write us at:

Debt.com LLC
5769 W. Sunrise Blvd., Plantation, FL 33313

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.