Debt Free USA is committed to protecting the privacy of confidential and personal information (“Personal Information”), such as information that directly or indirectly identifies individuals and includes but is not limited to the categories of information described below in “Our Collection of Information” from clients, prospective clients and other sources.
Collection, Use and Disclosure of Personal Information
Debt Free USA collects Personal Information in the course of providing its services to our clients and prospective clients and as provided by visitors to our website and/or others who engage with us in Internet Communications. We may also collect Personal Information about you when you interact with us through Internet Communications and from third parties as described below.
Our Collection of Personal Information
By providing Personal Information to us, you are consenting to and expressly authorizing our collection of Personal Information such as the following:
- Information we receive from and/or about you, such as your name, dba(s), address, telephone number, email and social media addresses, date of birth in the case of individuals, credit card information, Employer Identification Number (“EIN”), Social Security number (“SSN”); and including, without limitation, other information that you provide to us online, via email, over the phone or in documents, applications and otherwise.
- Information about your financial, loan, debt and other related transactions, including without limitation, your income, expenses, account balances with your creditors, accounts with financial services companies, loan and payment histories, account activity, and other information provided to us by you or that may be contained in your credit card statements or other reports relating to your debts and any and all other financial information concerning you.
- Information we receive from entities such as the Better Business Bureau, Yelp, consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, expenses and/or ability to satisfy your obligations. In this regard, you expressly authorize us to access, obtain and use any information contained in all of the foregoing resources and credit reports.
Our Use of Personal Information
By providing Personal Information to us, you are consenting to and expressly authorizing us to use your Personal Information in a variety of ways, including, but not necessarily limited to, the following:
- To perform our Services for you and/or on your behalf.
- To develop and maintain a full picture of your financial status, including your credit-worthiness.
- To offer additional services to you.
- To sell or share certain of your Personal Information to non-affiliated third parties for their use in offering you other services that may be of interest to you.
We may use the Personal Information we acquire from you for any or all of the following purposes:
- to contact you and respond to your requests and inquiries
- to personalize your visit and use of our Services and to assist you while you use those Services
- to carry out, monitor and analyze our business or website operations
- to conduct our recruiting and selection process
- to provide you with Services, if you are or become a client of Debt Free USA, and otherwise deal with you, and administer the matters you instruct us on
- to contact you regarding developments that may be of interest to you
- to enter into or carry out contracts of various kinds
- to comply with applicable laws, regulations, guidance or professional obligations that we may be subject to, including anti-money laundering requirements. Where Personal Information is necessary for Debt Free USA to carry out its anti-money laundering obligations, failure to provide such information may result in Debt Free USA not being able to provide the Services.
Our Disclosure of Personal Information
By providing Personal Information to us, you hereby consent to and expressly authorize Debt Free USA, as we see fit in our sole discretion to the full extent permitted by law, to disclose, share and/or sell, your Personal Information to certain third-party individuals or entities, including, but not necessarily limited to, the following:
- Our service providers and related individuals and entities, including, but not limited to, independent contractors, marketing services providers, and other entities and individuals as necessary to effect, administer and perform our Services.
- Non-affiliated third parties who may purchase your Personal Information from Debt Free USA for their use in offering you other services that may be of interest to you.
- Third parties such as law enforcement in connection with detecting and protecting against fraud, or in response to a criminal or civil subpoena, or as otherwise required by applicable Federal, State or local laws.
- To individuals or entities to which we may decide to sell or otherwise transfer our law practice.
Notice Regarding Your Right to Opt-Out
It is important for you to understand that you have the right to affirmatively opt-out of your authorization of Debt Free USA’s sharing of your Personal Information to non-affiliated third parties for their use in offering you other services that may be of interest to you.
However, you are not permitted to opt-out from our making use of or sharing your Information in the following circumstances:
- Information-sharing that is necessary for processing or administering a financial transaction requested or authorized by you.
- Information-sharing with service providers that perform business operations for us and companies that act on our behalf to market our Services.
- Information-sharing with your creditors, servicers, collectors and other entities and individuals specifically necessary to effect, administer and perform our Services and your transactions with us.
- Information disclosures for purposes of preventing fraud, responding to judicial process or a subpoena, or complying with federal, state, or local laws.
- Information-sharing and/or transfer in the event we sell or transfer your account or our business assets to another person or entity.
Please note that your opt-out will not be effective unless and until you affirmatively advise us that you wish to opt-out by sending an e-mail to [email protected] and notifying us that you wish to opt-out from such sharing.
Please also note that, unless we receive your opt-out within thirty (30) days of our providing this Policy to you, we will proceed with sharing your Information with non-affiliated third parties as set forth above unless and until we receive an opt-out instruction from you.
Confidentiality, Security, and Retention of Personal Information
It is Debt Free USA’s policy to exercise the utmost discretion regarding the information our clients entrust to us. We maintain reasonable and appropriate, albeit not infallible, physical, electronic and procedural safeguards intended to maintain the confidentiality of Personal Information, including that provided by visitors to our website and provided while using our Services. We do not guarantee that our safeguards will always work.
We also require our consultants, suppliers and vendors to maintain data security protections consistent with reasonable and appropriate obligations of data processors, including, where applicable, data protection laws and regulations.
Debt Free USA follows a standard procedure of using log files on its website. These files log visitors when they visit websites. All hosting companies do this as a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.
Debt Free USA does not knowingly collect any Personal Information from children under the age of 13. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.
Third Party Privacy Policies
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For California Residents
Pursuant to California’s “Shine the Light” Law, if you wish to opt out from having your Personal Information shared with any third parties for direct marketing purposes, you may do so by sending an e-mail to [email protected] and notifying us that you wish to opt-out from such sharing.
Our website does not honor any “Do Not Track” signals that are provided by user’s browsers. However, we do not collect or authorize the collection by any third party of any nonpublic personally identifiable information about an individual consumer’s online activities over time and across different Web sites or online services.
For Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal “do not call” list by calling (888) 879 8554. 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; 702‐486‐3132; Email: [email protected].
For Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with your with our affiliates without your consent.
If you have any questions relating to our use of your Personal Information, please contact us at [email protected].
Last Updated: 11/01/2020