This policy is effective as of and was last updated on April 28, 2013.
This Site is not intended for persons under eighteen (18) years of age. We do not knowingly collect personal information from persons under eighteen.
We collect both Non-Personally-Identifying Information and Personally-Identifying Information from you. "Non-Personally Identifiable Information" is information which, without the aid of additional information, could not be directly associated with any specific person or entity. "Personally Identifiable Information" is information such as a name or email address that, without additional information, can be directly associated with a specific person or entity.
Like most site operators, we gather from you Non-Personally-Identifiable Information of the sort that web browsers, depending on their settings, may make available. This information includes, without limitation, your Internet Protocol ("IP") address, operating system and browser type, and the locations of the web pages you view just prior to arriving at, while navigating and immediately after leaving this Site.
A "Web Cookie" is a string of information that a site stores on your computer, and that your browser provides to the Site each time you submit a query. We use Web Cookies to track the pages you visit during each Site session, both to help us improve your experience within the Site and to help us understand how this Site is being used.
IF YOU DO NOT WISH TO HAVE WEB COOKIES PLACED ON YOUR COMPUTER, YOU SHOULD ADJUST YOUR BROWSER SETTINGS TO REFUSE WEB COOKIES BEFORE ACCESSING THIS SITE, WITH THE UNDERSTANDING THAT CERTAIN FEATURES OF THIS SITE MAY NOT FUNCTION PROPERLY WITHOUT THE AID OF WEB COOKIES. IF YOU REFUSE WEB COOKIES, YOU ASSUME ALL RESPONSIBILITY FOR ANY RESULTING LOSS OF FUNCTIONALITY.
A "Web Beacon" is an object that is embedded into a web page. It is usually invisible to you but allows site operators to check whether you have viewed a particular web page or email communication. We may occasionally place Web Beacons on pages of this Site.
You may not decline Web Beacons. However, they may be rendered ineffective by declining all cookies or modifying your browser settings to notify you each time a cookie is tendered and permit you to accept or decline cookies on an individual basis.
We analyze Non-Personally Identifiable Information gathered from you to help Us better understand how this Site is being used. By identifying patterns and trends in usage, we are able to better design this Site to improve user experiences, both in terms of content and ease of use. We link information gathered using Web Cookies and Web Beacons to Personally Identifiable Information.
From time to time, We may also release the Non-Personally Identifiable Information gathered from you in the aggregate, such as by publishing a report on trends in the usage of this Site.
As defined above, "Personally Identifiable Information" is information that can be directly associated with a specific person or entity. We will only collect Personally Identifiable Information that you knowingly submit to us. We will not disclose Personally Identifiable Information to any third parties, except under the limited circumstances specified below.
We use your Personally Identifiable Information to execute transactions, deliver services or information you have requested, and to offer you products and services that we believe may be of interest to you. We also use your information to contact you when necessary for customer service purposes. We may send you direct mailings about various products and services that we feel may be of interest to you. If you do not want to receive such mailings, you may "opt-out" by the means provided for in these mailings or via email to email@example.com.
In order to let you know about products and services offered by us and our merchants and affiliated companies, we may disclose personal information to our affiliated companies. Offers for products and services from our affiliated companies are developed under conditions designed to safeguard your personal information. Our affiliated companies may send you direct mailings about their various products and services or other products and services we feel may be of interest to you. If you do not want to receive such mailings, simply "opt-out" by the means provided for in the mailings or by contacting Us via email at firstname.lastname@example.org.
When you subscribe to Debt.com, We collect the following:
We disclose Personally Identifiable Information to our employees, contractors, affiliates, vendors and suppliers who process Personally Identifiable Information on our behalf or participate with us in the provision or operation of this Site.
We may disclose Personally Identifiable Information if: (1) required to do so by law, or in response to a subpoena or court order; (2) we believe in our sole discretion that disclosure is reasonably necessary to protect against fraud, to protect our property or other rights, or the rights of other users, third parties or the public at large; or (3) we believe that you have abused the Site by using it to attack other systems or to gain unauthorized access to any other system, to engage in spamming or otherwise to violate applicable laws.
We may contact you by email about products and services that we think may be of interest to you. You may choose to opt-out of receiving marketing emails from us by following the instructions at the bottom of each email by contacting Debt.com via email at email@example.com.
We take reasonable precautions to protect the security of your Personally Identifiable Information. However, neither people nor security systems are foolproof. Therefore, while we use reasonable efforts to protect your Personally Identifiable Information, we cannot guarantee its absolute security.
Upon request, Horizon Interactive, LLC will provide you with a readable copy of your Personally Identifiable Information that we have on file, although we may require proof of your identity before doing so. To make such a request, contact us at firstname.lastname@example.org. If you would like to modify the information that you have provided to us, you may do so via the "My Account" page or in writing to email@example.com.