Last updated: July 19th, 2023.
Collecting and Using Information
Registration and Other Information Provided to Us
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 non-personally identifiable information (also known as “Non-PII”), 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 non-PII 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: CCertain 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.
- 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.
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.
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 Non-PII, please visit the following links:
- Facebook Payments Inc. (https://www.facebook.com/payments_terms/privacy)
- Facebook (https://developers.facebook.com/policy)
- Facebook (https://www.facebook.com/about/privacy/)
- Facebook (https://www.facebook.com/legal/terms)
- Instagram LLC TOS (https://www.instagram.com/about/legal/terms/)
- Atlas (https://www.facebook.com/business/measurement/privacy-policy)
- Instagram LLC (http://instagram.com/about/legal/privacy/)
- Onavo (https://www.onavo.com/privacy_policy)
- Parse (https://opencollective.com/privacypolicy)
- Oculus (https://www.oculus.com/legal/privacy-policy/)
- LiveRail (https://www.facebook.com/audiencenetwork/privacy-policy)
- WhatsApp Inc. (https://www.whatsapp.com/legal/)
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
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.
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.
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 Non-PII 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 Non-PII 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 Non-PII 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 Non-PII 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 Non-PII) 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 Non-PII information may be used for online and offline advertising to you.
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].
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
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.
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 Non-PII 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?
Notice to Vermont Residents
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
Protecting Children’s Privacy Online
Updates to this Privacy Notice
8220 W. State Road 84, Fort Lauderdale, FL 33324