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.

MICHIGAN DEBT MANAGEMENT ACT

Act 148 of 1975

The Michigan Debt Management Act requires that the following provisions of the Act be prominently displayed in our office.

451.423 Consent of creditors as condition to charging or receiving fee.

Sec. 13.

  • Upon establishing a debt management plan for a debtor, a licensee may charge and receive an initial fee of $25.00. However, unless 51% or more in number and dollar amount of all the debtor”s creditors consent to the debt management program within 45 days of establishing the debt management plan, the fee shall be returned to the debtor and the debtor”s account closed.

451.424 Contract between licensee and debtor; requirements..

Sec. 14

  1. A contract between a licensee and debtor shall include all of the following:
    1. Each creditor to whom payments will be made and the amount owed each creditor.
    2. The total amount of the licensee”s charges.
    3. The beginning and ending dates of the contract.
    4. The number of months and the total principal amount plus approximate interest charges required to liquidate in full the debts, except mortgage or land contract interest payments, described in the contract.
    5. The name and address of the licensee and of the debtor.
    6. Other provisions or disclosures that the director determines are necessary for the protection of the debtor and the proper conduct of business by a licensee.

451.428 Fee under debt management services contract; charge for cancellation or default; when contract effective; letter of continuation; excessive charge.

Sec. 18.

  1. A licensee may charge a reasonable fee under a debt management services contract. The fees and charges of the licensee shall not exceed 15% of the amount of the debt to be liquidated during the express term of the contract. The licensee may require the debtor to make an initial payment of not more than $25.00, which is part of the fees and charges of the licensee. The initial payment may be deducted from the amount of a subsequent fee that is amortized, if any.
  2. Except for a cancellation described in subsection (3), for which a licensee may not collect the additional fee described in this subsection, in the event of cancellation or default on the performance of the contract by the debtor before its successful completion, the licensee may collect $25.00 in addition to fees and charges of the licensee previously received. This $25.00 fee is not subject to the 15% limitation on fees and charges of the licensee in subsection (1).
  3. A contract is in effect when it is signed by the licensee and the debtor and the debtor has made a payment to the licensee. The debtor has the right to cancel the contract until 12 midnight of the third business day after the first day the contract is in effect by delivering written notice of cancellation to the licensee.
  4. If a debtor fails to make a payment to a licensee within 60 days after the date a payment is due under a contract, the contract is considered canceled by the debtor. A debtor may file a letter of continuation of a contract even if the debtor did not make a payment within 60 days after a payment was due. All of the following apply to a letter of continuation of a contract:
    1. A debtor may file only 1 letter of continuation with a licensee for any contract.
    2. A letter of continuation must contain a detailed explanation of the reason or reasons for the missed payment or payments.
    3. A contract for which a letter of continuation that meets the requirements of this subsection is filed remains in effect and subject to cancellation for any future failure to make a payment or payments as described in this subsection.
    4. A contract between a licensee and a debtor shall clearly provide for 1 letter of continuation by a debtor.
    5. A debtor may not file a letter of continuation with a licensee at the beginning of a contract.
  5. A licensee shall not contract for, receive, or charge a debtor an amount greater than authorized by this act. A person who violates this subsection, except as the result of an inadvertent clerical or computer error, shall return to the debtor the amount of the payments received from or on behalf of the debtor and not distributed to creditors, and, as a penalty, an amount equal to the amount overcharged.

State of Michigan

Department of Licensing and Regulatory Affairs

Office of Financial Regulation

611 W. Ottawa Street, Lansing, MI 48909

1-877-999-6442

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

Debt.com’s Terms and Conditions

Last updated: April 19th, 2024.

AGREEMENT BETWEEN USER AND DEBT.COM

These Terms and Conditions of Use (“Agreement”) are a legal agreement between you and Debt.com, LLC (hereinafter referred to as “Website Owner”), the owner and developer of Debt.com (the “Site”). By using, registering, or otherwise interacting with the Site for any service provided through Debt.com, you agree to be bound by all of the terms and conditions (the “Terms”) set forth in this Agreement. You understand that you are not able to modify these terms and that you must accept all terms “AS-IS.” Should you choose not to accept all terms, simply do not register, use, or interact with this Site.

Our Privacy Policy, hereby incorporated by reference into this Agreement, explains how we collect, protect, share and use your information as a part of our platform, and all of our product and services.

YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS. This Agreement contains a binding arbitration agreement, which provides that you and we agree to resolve all disputes through binding individual arbitration, and you and we give up any right to have those disputes decided by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See the Legal Disputes section of this Agreement.

Debt.com is a financial education website and referral agency that provides educational materials about debt relief financial services and connects consumers with financial service providers to help the consumers to live healthier financial lives. When you call our number, you may be directly connected with one of our partners, or a third-party to assist you. Independent service providers may charge fees for their services and have their own terms of service. Debt.com 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.

MODIFICATION OF THESE TERMS OF USE

DEBT.COM RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO MAKE CHANGES TO THE TERMS AT WEBSITE OWNER’S DISCRETION. YOUR CONTINUED USE OF ANY PART OF THIS WEBSITE OR ANY SERVICE CONSTITUTES YOUR ACCEPTANCE OF SUCH CHANGES TO THIS AGREEMENT. YOU SHOULD REVIEW THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS VERSIONS.

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

NO UNLAWFUL OR PROHIBITED USE

As a condition of your use of the Site, you warrant to Debt.com that you will not use the Site for any purpose that is unlawful or prohibited by law, regulation, or these terms. You may not use the Site in any manner which could damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information from the Site through any means not intentionally made available or provided for through the Debt.com on this Site.

YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS

Debt.com , through our Site and affiliates sites, may provide you with a venue through which you can obtain educational financial information as well as learn about various third-party service providers, such as financial institutions, credit card providers, debt settlement companies, lenders and other financial professionals (“Service Providers”). You understand and acknowledge that Debt.com may be compensated by Service Providers for referrals made through this Site. Debt.com and Website Owner do not guarantee the accuracy or completeness of any of the information provided on the Site or with regards to the Service Providers, and are not responsible for any loss resulting from your reliance on such information. You understand that you are to examine the information provided and conduct your own research of whether the services marketed on this Site are fitting to your financial situation. We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide to you. Debt.com is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of any Service Provider’s products or services. We urge you to obtain the advice of qualified professionals (such as tax advisor, accountant, lawyer, etc.) who are fully aware of your individual circumstances before you make any financial decisions. You acknowledge and agree that you rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.

NO GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES

We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers through our Site. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the marketplace. You may be able to find better fitting offers elsewhere.

USE OF COMMUNICATION SERVICES

The 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.

Debt.com has no obligation to monitor the Communication Services. However, Debt.com reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Debt.com reserves the right to terminate your access to any or all of the Communication Services at any time without notice for any reason whatsoever. Debt.com reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or refuse to post or to remove any information or materials, in whole or in part, is Debt.com’s sole discretion.

Always use caution when giving out any personally identifying information (“PII”) about yourself, your spouse, or your children in any Communication Service. Debt.com does not control or endorse the content, messages or information found in any Communication Service and, therefore, Debt.com 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 Debt.com spokespersons, and their views do not necessarily reflect those of Debt.com. 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 DEBT.COM OR POSTED AT ANY DEBT.COM WEB SITE

Debt.com does not claim ownership of the materials you provide to Debt.com (including feedback and suggestions) or post, upload, input or submit to any Debt.com Site or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, providing or submitting your Submission you are granting Debt.com, 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. Debt.com is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Debt.com’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.

All website interactions and phone calls are recorded for marketing, compliance and quality assurance purposes.

  1. Mobile Devices

    By providing us with your name, email, and/or phone number, you expressly authorize us to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including via Short Message Service (“SMS”) or wireless internet (“WAP Service”)) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You represent you are the owner or authorized user of the mobile device and the phone number associated with that mobile device on which messages will be received, and that you are authorized to approve any applicable charges. You may opt out of receiving calls and/or messages to your telephone or mobile device at any time by notifying us at [email protected] and you may opt out of receiving emails by clicking the “Opt-out” link on the bottom of the email.
    Only United States residents may use the SMS or WAP Service.

  2. Data Security

    SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. Debt.com do not guarantee your use of the SMS or WAP Services will be private or secure, and Debt.com 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 Debt.com 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. Please review our Privacy Policy for additional information governing privacy and our SMS or WAP services.

LIMITATION OF LIABILITY AND WARRANTY DISCLAIMER

THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITE MAY INCLUDE INACCURACIES, OLD INFORMATION, OR TYPOGRAPHICAL ERRORS. DEBT.COM MAKES PERIODICAL CHANGES TO THE INFORMATION AND MATERIALS PROVIDED ON THE SITE. DEBT.COM AND/OR ITS SITE ADMINISTRATOR MAY MAKE IMPROVEMENTS AND/OR CHANGES TO SITE AT ANY TIME.

Opinions, general advice, statements or other comments on the site should not necessarily be relied upon and are not to be construed as professional advice from Debt.com or the Website Owner. information and general advice RECEIVED VIA THE 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.

DEBT.COM AND/OR ITS SITE ADMINISTRATOR MAKE NO REPRESENTATIONS ABOUT THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE 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. DEBT.COM AND THE WEBSITE OWNER 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 DEBT.COM AND/OR ITS WEBSITE OWNER 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 DEBT.COM SITE, WITH THE DELAY OR INABILITY TO USE THE DEBT.COM SITE OR RELATED OR OFFERED SERVICES, THE PROVISION OF OR FAILURE TO PROVIDE SERVICES, OR FOR ANY INFORMATION, SOFTWARE, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE DEBT.COM SITE, OR OTHERWISE ARISING OUT OF THE USE OF THE DEBT.COM SITE, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF DEBT.COM 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 DEBT.COM SITE, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE DEBT.COM SITE.

TERMINATION/ACCESS RESTRICTION

Debt.com may establish areas on the Site which may require obtaining access credentials. Should you obtain such access to restricted areas on the Site, Debt.com reserves the right, in its sole discretion, to terminate your access to the Debt.com Site and the related services or any portion thereof at any time, without notice.

SITE NOT INTENDED FOR USE BY MINORS UNDER THE AGE OF 13

The Site is not directed to individuals under the age of thirteen (13), 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 13 years of age without parental consent. For more information regarding this policy please visit our Privacy Policy.

Debt.com, and the Debt.com logo are registered trademarks, trade names or service marks of Debt.com, LLC or its related companies. All other trademarks and service marks presented on the Site are the property of their respective owners, and Debt.com has obtained permission to use them in association with the educational information and referral services provided. You are not permitted to use any trademark or service mark displayed on this Site without the prior written consent of Debt.com or the owner of such trademark or service mark.

You acknowledge and understand that you have no rights to any trademarks, service marks, copyrights. Debt.com reserves all rights to its Intellectual Property on the Site.

In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512©(2)(“DMCA”), Debt.com 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.

Debt.com’s designated agent for the written notification of claims of copyright infringement can be contacted at the following address:

Designated Agent – Copyright Infringement Claims
Debt.com LLC
8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]

YOUR INDEMNIFICATION REQUIREMENTS

You agree to defend, indemnify and hold us and our officers, directors, shareholders, employees, independent contractors, agents, representatives and affiliates harmless from any and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or related to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete and current personally identifiable information (“PII”) in response to any request form on our Site; (iii) your access or use of Services through our Site; (iv) access to our Site or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); (vi) the Services you receive from any of the Service Providers to which you were referred by us; and/or (vii) any personal injury or property damage caused by you.

GENERAL / MISCELLANEOUS TERMS

Governing Law, Jurisdiction, Venue. To the maximum extent permitted by law, this Agreement is governed by the laws of the State of Florida, U.S.A., without regards to any choice of law provisions. Should you properly opt out of Arbitration, 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 Debt.com Web Site. If you did not opt out of Arbitration, please see the Arbitration provision below for the applicable law and jurisdiction governing your arbitration. You and we agree to submit to the personal jurisdiction of the courts located within Broward County, Florida for the purpose of litigating all such claims or disputes.

Relationship of the Parties. You agree that no joint venture, partnership, employment, or agency relationship exists between you and Debt.com as a result of this Agreement or use of the Debt.com Site.

Applicability of Laws. Debt.com’s performance of this agreement is subject to existing laws and legal process, and nothing contained in this agreement is in derogation of Debt.com’s right to comply with governmental, court and law enforcement requests or requirements relating to your use of the Debt.com Site or any information provided to or gathered by Debt.com with respect to such use. Use of the Debt.com Site is unauthorized in any jurisdiction that does not give effect to all provisions of these terms and conditions, including without limitation this paragraph.

Severability. 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.

Entire Agreement. Unless otherwise specified herein, this Agreement, along with our Privacy Policy, any Notices and Disclosures on our Site, which are incorporated herein by reference, together constitute the entire agreement between the You and Debt.com with respect to the Site and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral or written, between the user and Debt.com with respect to the Debt.com 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 and 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 despite having these terms in translated to other languages.

AMENDMENTS TO THIS AGREEMENT

We reserve the right to update, amend and/or change this Agreement at any time in our sole discretion and without notice. Updates to this Agreement will be posted here. Amendments will take effect immediately upon us posting the updated Agreement on our Services. You are encouraged to revisit this Agreement from time to time in order to review any changes that have been made. The date on which this Agreement was last updated will be noted immediately above this Agreement. Your continued access and use of our Services following the posting of any such changes shall automatically be deemed your acceptance of all changes.

Dispute Resolution by Binding Arbitration – IMPORTANT NOTICE WAIVING YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN COURT.

In the event of any controversy between you and Debt.com, including but not limited to any demand, claim, suit cross claim, counterclaim, or third-party complaint or dispute, whether contractual, statutory, in tort or otherwise (including but not limited to our designated servicers and any fulfillment provider working on your behalf) arising out of, or in any way relating, to our relationship, including but not limited to this Agreement, our Privacy Policy, Site Disclaimers, use of the Debt.com Site, the information on Debt.com’s Site, any referral services provided by Debt.com, or the breach, termination, enforcement, interpretation, or validity of the Agreement or its performance, including any determination of the scope, enforcement or applicability of this provision to arbitrate, shall be resolved by binding arbitration in Broward County, Florida, or the nearest metropolitan area to the county in which you reside, or at such other location upon which the parties may agree upon. This provision to arbitrate is governed by the Federal Arbitration Act (“FAA”), 9 U.S.C. §1 et sec., which shall govern the interpretation and enforcement of our mutual agreement to arbitrate, and not by any state rule or statute governing arbitration and without respect to any state arbitration law. This agreement to arbitrate shall survive termination of the Agreement. The Parties agree to the following Arbitration Terms:

  1. The Arbitration shall be administered by the American Arbitration Association (“AAA”) (www.adr.org), the Judicial Arbitration Mediation Services (“JAMS”), or another nationally known consumer arbitration service agreed by the parties in the event AAA and JAMS no longer conduct consumer arbitrations. The Party who intends to seek arbitration must first send to the other Party a written Notice of Dispute before filing it with the arbitration service provider. The Notice must describe both the nature and basis of the dispute; and the specific relief sought. Any notice shall be deemed to have been given and received for all purposes when delivered by hand, a day after receipt through a nationally recognized overnight courier, or a day after being received through certified or registered mail, postage and charges prepaid, return receipt requested, to us at: Debt.com, LLC, Attn: Legal Department, 8220 W. State Road 84, Fort Lauderdale, FL 33324.
  2. Commencement and Rules of Arbitration. If we do not resolve a claim within 30 days after receipt of the Notice, the party sending the Notice may commence an arbitration proceeding with the AAA, JAMS, or another national arbitration provision if AAA or JAMS are unavailable, by filing a Demand of Arbitration in effect at the time the action is commenced. If you choose to file with the AAA, you may download or copy the form to initiate arbitration from the following website: http://www.adr.org/consumer. The AAA shall provide the parties a list of 5 arbitrators in which the parties may agree on an arbitrator. If the parties cannot mutually agree on an arbitrator, the parties shall rank the arbitrators and the AAA shall appoint a single arbitrator who shall administer the arbitration proceeding pursuant to its Commercial Dispute Resolution Procedures and the Supplementary Procedures for Consumer-Related Disputes (“AAA Rules”), with the exception of Mass or Class Arbitration rules. The AAA Rules are available at www.adr.org or by calling the AAA at 1-800-778-7879. If you choose to file with JAMS, you may download or copy the form to initiate arbitration from the following website: https://www.jamsadr.com/adr-forms. JAMS shall provide the parties a list of 5 arbitrators in which the parties may agree on an arbitrator. If the parties cannot mutually agree on an arbitrator, the parties shall rank the arbitrators and the JAMS shall appoint a single arbitrator who shall administer the arbitration proceeding pursuant to its Commercial Dispute Resolution Procedures and the Consumer Arbitration Minimum Standards (“JAMS Rules”), with the exception of Mass or Class Arbitration rules. In the event another arbitration service is provided, the parties agree to follow the rules and principles of that arbitration service, except as to any rights to Mass or Class Arbitration rules which the Parties expressly agree will not apply.
  3. The Arbitrator. The selected arbitrator shall be either a retired judge or an experienced attorney, shall be neutral and independent, and shall comply with the selected arbitration service’s code of ethics. The Arbitrator shall conduct the arbitration in a civil manner and ensure civility of the parties while making their arguments. Additionally, in conducting the arbitration hearing, in addition to the selected arbitration service rules, the arbitrator shall be guided by the Federal Rules of Civil Procedure, the Federal Rules of Evidence, and Florida substantive law.
  4. The Arbitration Award. The Arbitrator shall issue a written reasoned award in which the arbitrator shall address the claims, defenses, evidence presented, and legal reasoning in making his decision. If the Arbitrator determines that reasonable attorney fees and costs may be awarded under applicable law, the parties agree that the arbitrator will also determine the amount of reasonable attorneys’ fees to be awarded. Any award rendered by the arbitrator shall be final and binding and shall not be subject to vacation or modification, except as expressly permitted by the Federal Arbitration Act. Judgment on the Arbitration Award may be entered in the jurisdiction in which the arbitration was commenced or in any court having jurisdiction over the Party against whom judgment is to be entered.
  5. Waiver of Right to Bring Mass or Class Actions. The parties agree that either party may bring claims against the other only in his/her or its individual capacity and not as a plaintiff or class member in any purported mass, class, or other representative proceeding. Further, the parties agree that the arbitrator may not consolidate proceedings of more than one person’s claims and may not otherwise preside over any form of representative or class proceeding.
  6. Limitation on Injunctive Relief: The arbitrator may award injunctive relief only in favor of an individual party seeking relief and only to the extent necessary to provide relief warranted by that party’s individual claim.
  7. Costs of Arbitration: Payment of all filing, administration and arbitrator fees will be governed by the selected arbitration service rules. Each party shall bear its own attorneys’ fees, if any, unless such fees are expressly provided for by applicable law. In the event that a party fails to proceed with Arbitration, unsuccessfully challenges the Arbitrator’s award, or fails to comply with the Arbitrator’s award, the other party shall be entitled to costs of suit, including reasonable attorneys’ fees for having to compel Arbitration or defend or enforce the award.
  8. Arbitration Opt-Out. YOU MAY OPT-OUT OF THE TERMS OF THIS ARBITRATION PROVISION BY PROVIDING DEBT.COM WITH NOTICE IN WRITING WITHIN THIRTY (30) DAYS OF FIRST USING OUR SITE. If you do so, neither you nor we can require the other to participate in an arbitration proceeding. To opt out, you must notify us in writing either by U.S. mail delivered to: Attn: Legal Department, Debt.com, LLC, 8220 W. State Road 84, Fort Lauderdale, FL 33324 or by email delivered to [email protected]. You must include: (1) your name and residence address; (2) the email address and/or mobile telephone number associated with your account; and (3) a clear statement that you want to opt out of this agreement to arbitrate.
  9. What does arbitration mean? By agreeing to arbitration, we both acknowledge and agree that we are each: (i) waiving the right to pursue any other available dispute resolution processes, including, but not limited to, a court action or administrative proceeding, (ii) waving the right to participate in any class or mass action, (iii) waving the right to a trial by either a judge or jury, and (iv) giving up any right to appeal the arbitrator’s decision, except for a limited range of appealable issues expressly provided in the FAA. This section is considered by the parties to be an integral and non-voidable requirement and part of this Agreement, and the parties agree that prior to signing this Agreement including agreeing to this section they: (1) have had the opportunity to review such carefully, including with their own legal counsel if needed, (2) the parties understand the limitations on legal rights contained in this section including, but not limited to, the waiver of jury trial, the waiver of court proceeding and class actions, and (3) the parties consent and agree that this section is fair, reasonable, represents the intentions of each party at the time of entry into this Agreement, and should not be set aside later for any reason by any court. This section and the arbitration requirement shall survive termination.

Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.

DEBT.COM PRIVACY POLICY

Last updated: April 19th, 2024.

Debt.com, LLC (“Debt.com”) is the owner of this web site. This Online Privacy Policy (hereinafter sometimes referred to as the “Notice”) applies to this Debt.com online interface (i.e., website or mobile application) (the “Site”). The term Debt.com or “we” or “us” or “our” in this Notice refers to Debt.com, and any of Debt.com’s affiliates or subsidiaries that may adopt this Notice. This Notice describes how this Site, or any Debt.com landing pages linked to this Site (Debt.com’s landing pages and this Site shall collectively refer to as “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, interacting with, entering information, or viewing information on this Site, you expressly acknowledge and consent to this Online Privacy Policy, including your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that Debt.com can rely on your use and interaction with this Site as your express consent to the terms of this Online Privacy Notice.

Collecting and Using Information

Registration and Other Information Provided to Us

When you visit and/or subscribe to Debt.com, you may be asked to disclose Personally Identifiable Information (also known as “PII”). You may also choose to submit PII to us when you send us an email. You acknowledge and agree that we may use and store any such PII about you in accordance with our Privacy Policy. We may also process and store your PII on a server located outside of your jurisdiction. By providing your PII 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 PII to us and end your interaction with our Site. Debt.com will not process or transfer PII or other information across international boundaries, and does not conduct any data processing or transfer with European entities.

Personal Information We Collect Online

Personal Information means information you provide via forms, surveys, applications or other online fields including but not limited to the following: any information constituting PII, your name, postal or email addresses, telephone, fax or mobile numbers, or account numbers.

How We Use Personal Information

We may use Personal Information, including PII, as follow:

  • to respond to your inquiries and fulfill your requests;
  • to inform you about important information regarding the Site, products or services for which you may 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, or from affiliated or unaffiliated third parties;
  • to personalize your experience on the Site;
  • to allow you to apply for various 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 services you may enroll in, 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. These activities may have additional rules of participation, which may also contain additional policies about how the Personal Information provided is used and/or shared;
  • to allow us to verify your identity or other information collected from or through our social media pages or campaigns and other interaction with online forms generated on our behalf. We may combine and use PII you provide in this Site with the information collected from our social media pages or from your interaction with online forms generated on our behalf.
  • to allow you to enter and participate in our live chat, forums, and/or other Bulletin Board that we may have on the site from time to time.
  • for business purposes, including data and marketing analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns;
  • for risk control, 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 Site 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

When you submit Personal Information and/or PII to us (which may include among other information your first name, last name, email address, zip code, contact phone number, other information provided by you such as your date of birth or household income), you acknowledge and agree that we may share this information with third party service providers offering various products and/or services in which you were interested in or have requested additional information about. You also acknowledge and agree that the Personal Information provided may also be used for cross-marketing purposes with third party affiliates and to provide you with offers that may be of interest or benefit to you based upon your initial request. Our affiliates and/or third-party companies may use your email address for their own marketing use.

We may also share information that is not considered PII collected from you, consisting of general 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 about services that may be of interest to you based on your interaction with our Site. For your reference, a non-exclusive list of third party companies with whom we may share your information is here.

Right to Opt-Out of Sharing

If you prefer that we not share your PII or additionally collected information with third parties for direct marketing purposes, you may opt out of such sharing by emailing us your request at [email protected]

Other Information We Collect Online

Other Information is any information, other than Personal Information or PII, which 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, and aggregated and de-identified data. In the event that information collected through cookies, pixel tags and other technologies, demographic information is determined to contain PII, you understand and agree that Debt.com may use and transfer such PII in accordance with the terms governing PII in this Notice.

How Do We Collect and Use Other Information

We and any of our affiliated third-party service providers may collect and use Other Information in a variety of ways, including but not limited to the following:

  • 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. While such information is often regarded as Other Information, you understand that it may be treated as PII and thus, regardless of its nature, it may be used under the PII provisions of this Notice. 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 that you are using to access our Site. 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 general interaction with our Site. We may use the information collected from cookies for various purposes including, but not limited to, the following: for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while interacting with our Site or engaging with us, and to recognize your device in the future for ease of use of our online products and services. We, further, 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 visitors use the Site and to assist us in resolving issues with the Site. We also utilize cookies for advertising purposes. Please see the Advertising section below for more information. You may 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, please be advised that should you choose not accept these cookies, the Site and some online products and services may not work properly as you proceed to interact with our Site.
  • 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, and for advertising. You understand and agree that we may use third party pixel tags, web beacons and/or clear GIFs that may give access to third parties to you information, including your IP address and browsing activity on pages of our Sites where these devices are placed. You understand that we do not control any information gathered by such devices or its use by such third parties. Please see our Advertising section below for more information regarding our use of these and 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. If the Google Analytics is determined to be PII, we will maintain and use the information gathered from Google Analytics pursuant to the terms governing PII in this Notice. We do not combine the information collected through the use of Google Analytics with other PII that you may provide on our Site. 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 may prevent Google Analytics from recognizing you on return visits to this site by disabling cookies on your browser.
  • 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). Your IP may be dynamic or static. 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 will treat your IP as PII if it is used to identify you for any purpose in accordance with this Notice. Furthermore, we may 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 PII, 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 use of certain widgets (e.g., social share buttons) on our Sites that enable users to easily share information on another platform, such as the user’s social media platform. You understand and agree that the third parties’ widgets may give access, and the third parties may be granted access, to certain information about your browsing on pages of our Sites where these widgets are placed. You understand that we do not have control on the information to which the third parties receive access and you may wish to review the privacy information at the third party site to determine how these third parties collect and treat such information.

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.

Google Interest Based Advertising Program – In order to enhance your experience when you visit our Site, 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 https://policies.google.com/technologies/ads 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 https://yahoo.mydashboard.oath.com/device.

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 the family of companies to assist in advertising our services. For more information on the Facebook Companies’ privacy practices and how they treat individuals’ information, PII or additionally collected information, please visit the following links:

Opt-Out Policy for Newsletter and Email Subscriptions

You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.

Short Message Service

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

By providing your phone number and/or joining our SMS Service, you expressly authorize us to contact you (including using autodialers, automated text and pre-recorded messages) via your telephone, cellphone, mobile device (including SMS and MMS) and email, even if your telephone number is currently listed on any state, federal or company’s Do Not Call list. Standard phone and data charges will apply. Your consent to the above terms is not required as a condition of purchasing or receiving our services. You also consent to the recording and monitoring of all calls to and from us. You may 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 may also opt-out and remove your authorization to receive SMS text messages by replying or sending “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to the Company.

Security
At Debt.com, the security of your personal information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.

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

Debt.com uses the PII and additionally collected information (as applicable) described in this Notice to help advertise our products and services in a variety of ways. We may use such information to:

  • Present tailored ads to you in the form of:
  • Banner ads and splash ads and other mobility applications; or
  • E-mail newsletters and communications, postal mail, and other telemarketing communications;
  • Analyze the effectiveness of our ads; and/or
  • Determine whether you might be interested in new products or services which may be offered by our third party service provider partners.

Our services may also be offered to you in advertisements presented by other providers using information obtained during your visits to our Site.

How we tailor ads:

Relationship based advertising
In order to help make our advertising informative and useful, we may use PII and additionally collected information about your interaction with us (such as the type of services requested or inquired about, identifiable and non-identifiable transactional information, or non-identifiable geographical information ). Such PII and additionally collected information will be used to help us determine which advertisements or offers to present to you, or which types of offers you may be interested in learning more about.

Online Behavioral Advertising
We or our advertising service providers may use certain information (both PII and additionally collected information) obtained about your activities on our Site, such as pages visited and search key words entered to help determine which of our advertisements or offers may be of interest to you. This PII and additionally collected information may be used for online and offline advertising to you.

Advertising Choices

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

Online Behavioral Advertising by Debt.com Sites: 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].

Online Behavioral Advertising by Third Parties: Apart from setting your browser not to allow cookies from our Site or changing your Privacy settings on other sites, such as those operated by the Facebook Companies, you cannot opt out of online behavioral advertising by third parties using pixel tags, web beacons and/or clear GIFs on our Site.

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].

Important Reminder
In order for opt outs from online behavioral advertising on 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 (if applicable), 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 Site. Debt.com does not guarantee and is not responsible for any interaction between you and the third party sites, including but not limited to the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You acknowledge that the availability of third party site links is merely for convenience purposes, and that Debt.com does not endorse, support, acknowledge, agree with, or otherwise promote the contents of the third party sites linked to our Site.

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 mediate 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.

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 and PII submitted to us (both during your submission and after we receive it), please be advised that 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 and PII, we cannot guarantee its absolute security. If you have any questions about security on our website, you can e-mail us at [email protected].

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. 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 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.

Notice to California Residents

Residents of the State of California may request a list of all third-parties to which we have disclosed peronal 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].

With certain exceptions, residents of the State of California may request (a) disclosure of personal information collected, (b) disclosure of personal information sold or disclosed for a business purpose, (c) deletion of personal information, (d) to opt out of the sale of personal information, and (e) access and data portability. Moreover, Debt.com will not discriminate based on your exercise of such rights. If you are a California resident and want to make any such requests, please contact us through our website (www.Debt.com) or [email protected] or at Debt.com LLC, 8220 W. State Road 84, Davie, FL 33324.

For all such requests, you must put the statement “California 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.

California Do Not Track Disclosures
How do we respond to Web browser “do not track” (also referred to as “DNT”) 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?
Yes, as disclosed in this Privacy Policy.

Notice to Vermont Residents
Based on your consent, Debt.com may share your information with nonaffiliated third parties to the extent authorized by this Privacy Policy and Vermont regulations. As stated above, you may withdraw your consent to such sharing at any time by emailing us your requests at [email protected] and/or setting your browser not to allow cookies from our Site and/or changing your Privacy settings on other sites, such as those operated by the Facebook Companies, as appropriate.

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. We do not sell, offer, or otherwise provide services to individuals outside of the United States.

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 Personally Identifiable Information (PII) through the Site. We do not knowingly collect information from children under 13 years of age without parental consent. If you are a User under the age of 13, 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 13 without parental consent, or if we learn a User under the age of 13 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 13 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.

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 at [email protected] or 1.800.810.0989, or write us at:

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

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:

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.