DEBTHELP411 PRIVACY POLICY

Last updated: February 04, 2015. This Online Privacy Policy (hereinafter sometimes referred to as the "Notice") applies to this DebtHelp411 online interface (i.e., website or mobile application) and any DebtHelp411 affiliate or subsidiary online interface that links to this Notice, (each, a Site, and, collectively, Sites). The term DebtHelp411 or "we" or "us" or "our" in this Notice refers to affiliates or subsidiaries of DebtHelp411 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. DebtHelp411 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 DebtHelp411'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 DebtHelp411, 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. A list of such 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 DebtHelp411.net, 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 DebtHelp411.net 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. 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

DebtHelp411 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 DebtHelp411) 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. DebtHelp411 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 DebtHelp411;
• 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 DebtHelp411 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 DebtHelp411 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]. DebtHelp411 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 DebtHelp411, 5787 W. Sunrise Blvd., Suite 100, 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 DebtHelp411, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Sites. DebtHelp411 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

DebtHelp411 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 DebtHelp411 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 DebtHelp411 social media pages, you are also subject to DebtHelp411'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 DebtHelp411 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.DebtHelp411?

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, DebtHelp411 automatically treats accounts with Vermont billing addresses as if you requested that DebtHelp411 not share your information with nonaffiliated third parties, and that DebtHelp411 limit the information it shares with its affiliates. If DebtHelp411 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 DebtHelp411 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, DebtHelp411 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: DebtHelp411 5769 W. Sunrise Blvd., Suite 100, Plantation, FL 33313 PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.

DebtHelp411 Online Terms and Conditions

Last updated: FEBRUARY 2015.

DebtHelp411 is a referral agency that connects financial service providers with consumers to help them live healthier financial lives and when you call our number, you may be directly connected with one of our partners or a third-party to assist you. Independent providers of the services may charge fees and have their own terms of service. DebtHelp411 is not responsible and does not guarantee any outcomes from these providers. Services may not be available in all states so please call or check our website for details."

AGREEMENT BETWEEN USER AND DEBTHELP411.NET

The DebtHelp411 Web Site is comprised of various Web pages operated by DebtHelp411.

The DebtHelp411 Web Site is offered to you conditioned on your acceptance without modification of the terms, conditions, and notices contained herein. Your use of the DebtHelp411 Web Site constitutes your agreement to all such terms, conditions, and notices.

MODIFICATION OF THESE TERMS OF USE

DebtHelp411 reserves the right to change the terms, conditions, and notices under which the DebtHelp411 Web Site is offered, including but not limited to the charges associated with the use of the DebtHelp411 Web Site.

LINKS TO THIRD PARTY SITES

The DebtHelp411 Web Site may contain links to other Web Sites ("Linked Sites"). The Linked Sites are not under the control of DebtHelp411 and DebtHelp411 is not responsible for the contents of any Linked Site, including without limitation any link contained in a Linked Site, or any changes or updates to a Linked Site. DebtHelp411 is not responsible for webcasting or any other form of transmission received from any Linked Site. DebtHelp411 is providing these links to you only as a convenience, and the inclusion of any link does not imply endorsement by DebtHelp411 of the site or any association with its operators.

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the DebtHelp411 Web Site, you warrant to DebtHelp411 that you will not use the DebtHelp411 Web Site for any purpose that is unlawful or prohibited by these terms, conditions, and notices. You may not use the DebtHelp411 Web Site in any manner which could damage, disable, overburden, or impair the DebtHelp411 Web Site or interfere with any other party's use and enjoyment of the DebtHelp411 Web Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the DebtHelp411 Web Sites.

USE OF COMMUNICATION SERVICES

The DebtHelp411 Web Site may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, "Communication Services"), you agree to use the Communication Services only to post, send and receive messages and material that are proper and related to the particular Communication Service. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not:

• Defame, abuse, harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
• Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, infringing, obscene, indecent or unlawful topic, name, material or information.
• Upload files that contain software or other material protected by intellectual property laws (or by rights of privacy of publicity) unless you own or control the rights thereto or have received all necessary consents.
• Upload files that contain viruses, corrupted files, or any other similar software or programs that may damage the operation of another's computer.
• Advertise or offer to sell or buy any goods or services for any business purpose, unless such Communication Service specifically allows such messages.
• Conduct or forward surveys, contests, pyramid schemes or chain letters.
• Download any file posted by another user of a Communication Service that you know, or reasonably should know, cannot be legally distributed in such manner.
• Falsify or delete any author attributions, legal or other proper notices or proprietary designations or labels of the origin or source of software or other material contained in a file that is uploaded.
• Restrict or inhibit any other user from using and enjoying the Communication Services.
• Violate any code of conduct or other guidelines which may be applicable for any particular Communication Service.
• Harvest or otherwise collect information about others, including e-mail addresses, without their consent.
• Violate any applicable laws or regulations.

DebtHelp411 has no obligation to monitor the Communication Services. However, DebtHelp411 reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. DebtHelp411 reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever.

DebtHelp411 reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or to edit, refuse to post or to remove any information or materials, in whole or in part, is DebtHelp411's sole discretion.

Always use caution when giving out any personally identifying information about yourself or your children in any Communication Service. DebtHelp411 does not control or endorse the content, messages or information found in any Communication Service and, therefore, DebtHelp411 specifically disclaims any liability with regard to the Communication Services and any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized DebtHelp411 spokespersons, and their views do not necessarily reflect those of DebtHelp411.

Materials uploaded to a Communication Service may be subject to posted limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.

MATERIALS PROVIDED TO DEBTHELP411 OR POSTED AT ANY DEBTHELP411 WEB SITE

DebtHelp411 does not claim ownership of the materials you provide to DebtHelp411 (including feedback and suggestions) or post, upload, input or submit to any DebtHelp411 Web Site or its associated services (collectively "Submissions"). However, by posting, uploading, inputting, providing or submitting your Submission you are granting DebtHelp411, its affiliated companies and necessary sub-licensees permission to use your Submission in connection with the operation of their Internet businesses including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.

No compensation will be paid with respect to the use of your Submission, as provided herein. DebtHelp411 is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at DebtHelp411's sole discretion.

By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.

ELECTRONIC COMMUNICATIONS

a) Mobile Devices

By subscribing to DebtHelp411 you consent to receive electronic communications from DebtHelp411 in electronic form, via email, Short Message Service ("SMS Service") or wireless internet ("WAP Service") and may be sent via automatic telephone dialing systems which may use pre-recorded messages. If you designate to receive electronic communications via your mobile device, you agree to receive messages delivered via the Site to that device and understand your carrier's standard rates apply to any messages sent from DebtHelp411. You represent you are the owner or authorized user of the mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving messages to your mobile device at any time by notifying us at [email protected] or you can click the "Opt-out" link on the bottom of the email. Only United States residents may use the SMS or WAP Service.

b) Data Security

SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. DebtHelp411 do not guarantee your use of the SMS or WAP Services will be private or secure, and DebtHelp411 will not be liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures appropriate to your situation and intended use of the SMS or WAP Service. You acknowledge and agree DebtHelp411 may access the content of your account and the wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

LIABILITY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE DEBTHELP411 WEB SITE MAY INCLUDE INACCURACIES OR TYPOGRAPHICAL ERRORS. CHANGES ARE PERIODICALLY ADDED TO THE INFORMATION HEREIN. DEBTHELP411 AND/OR ITS SUPPLIERS MAY MAKE IMPROVEMENTS AND/OR CHANGES IN THE DEBTHELP411 WEB SITE AT ANY TIME. ADVICE RECEIVED VIA THE DEBTHELP411 WEB SITE SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL OR FINANCIAL DECISIONS AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.

DEBTHELP411 AND/OR ITS SUPPLIERS MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON THE DEBTHELP411 WEB SITE FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED "AS IS" WITHOUT WARRANTY OR CONDITION OF ANY KIND. DEBTHELP411 AND/OR ITS SUPPLIERS HEREBY DISCLAIM ALL WARRANTIES AND CONDITIONS WITH REGARD TO THIS INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL DEBTHELP411 AND/OR ITS SUPPLIERS BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR PERFORMANCE OF THE DEBTHELP411 WEB SITE, WITH THE DELAY OR INABILITY TO USE THE DEBTHELP411 WEB SITE OR RELATED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE DEBTHELP411 WEB SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE DEBTHELP411 WEB SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF DEBTHELP411 OR ANY OF ITS SUPPLIERS HAS BEEN ADVISED OF THE POSSIBILITY OF DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE DEBTHELP411 WEB SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE DEBTHELP411 WEB SITE.

SERVICE CONTACT: [email protected]

TERMINATION/ACCESS RESTRICTION

DebtHelp411 reserves the right, in its sole discretion, to terminate your access to the DebtHelp411 Web Site and the related services or any portion thereof at any time, without notice. GENERAL. To the maximum extent permitted by law, this agreement is governed by the laws of the State of Florida, U.S.A. and you hereby consent to the exclusive jurisdiction and venue of courts in Broward County, Florida, U.S.A. in all disputes arising out of or relating to the use of the DebtHelp411 Web Site. Use of the DebtHelp411 Web Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph. You agree that no joint venture, partnership, employment, or agency relationship exists between you and DebtHelp411 as a result of this agreement or use of the DebtHelp411 Web Site. DebtHelp411's performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of DebtHelp411's right to comply with governmental, court and law enforcement requests or requirements relating to your use of the DebtHelp411 Web Site or information provided to or gathered by DebtHelp411 with respect to such use. If any part of this agreement is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the agreement shall continue in effect. Unless otherwise specified herein, this agreement constitutes the entire agreement between the user and DebtHelp411 with respect to the DebtHelp411 Web Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and DebtHelp411 with respect to the DebtHelp411 Web Site. A printed version of this agreement and of any notice given in electronic form shall be admissible in judicial or administrative proceedings based upon or relating to this agreement to the same extent an d subject to the same conditions as other business documents and records originally generated and maintained in printed form. It is the express wish to the parties that this agreement and all related documents be drawn up in English.

COPYRIGHT AND TRADEMARK NOTICES:

DebtHelp411, and the DebtHelp411 logo are trademarks, trade names or service marks of DebtHelp411, LLC or its related companies. All other trademarks and service marks are the property of their respective owners. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of DebtHelp411 or the owner of such trademark or service mark.

The names of actual companies and products mentioned herein may be the trademarks of their respective owners.

The example companies, organizations, products, people and events depicted herein are fictitious. No association with any real company, organization, product, person, or event is intended or should be inferred.

Any rights not expressly granted herein are reserved.

COPYRIGHT INFRINGEMENT POLICY

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2) ("DMCA"), DebtHelp411 will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Site has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Site containing the following elements as set forth in the DMCA:

• a physical or electronic signature of the owner of the copyright interest that is alleged to have been infringed or the person authorized to act on behalf of the owner;
• identification of the copyrighted work(s) claimed to have been infringed, including copyright date;
• identification of the Content you claim to be infringing and which you request be removed from the Site or access to which is to be disabled along with a description of where the infringing Content is located;
• information reasonably sufficient to allow us to contact you, such as a physical address, telephone number and an email address;
• a statement by you that you have a good faith belief that the use of the Content identified in your written notification in the manner complained of is not authorized by you or the copyright owner, its agent or the law; and
• a statement by you that the information in your written notification is accurate and that, under penalty of perjury, you are the copyright owner or authorized to act on behalf of the copyright owner.

DebtHelp411's designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims
DebtHelp411
5769 W. Sunrise Blvd., Suite 100
Plantation, FL 33313
Email: [email protected]