Effective January 2022
This Policy describes the following:
· What information we collect and how it is
· How we use your information;
· With whom we may share your information;
· Your rights and choices;
· Security and storage of the information;
· Third party websites;
· Transfer of your information;
· Do Not Track
· Children and privacy
· Contact information and changes to this notice
INFORMATION WE COLLECT
We collect information about you directly from you and automatically through your use of our Site. We may combine information automatically collected with other information that we have collected about you including from publicly available sources. How we collect and process this information is as follows:
A. Information You (and others) Give Us
We collect information you (and others) give us when using this Site. As examples:
· When you register an account with us, you provide us with personally identifiable information like name, email address, phone number, username and password, etc. Moreover, you have the ability to add information to your profile after registration.
· If you buy something through our Site, we may collect information on this transaction, such as payment information, purchase activity, and shipping/contact details.
· Occasionally, you may voluntarily provide information to us to complete surveys and questionnaires or to participate in user polls. We use this information to improve our products and services and to ensure that we’re providing accurate disclosures. We may also use your information to provide you newsletters and other marketing information that coincide with your preferences. You may customize your marketing preferences, or let us know if you do not wish to receive any promotional materials, by adjusting your Subscriptions & Email options on the Site.
From time to time, we may collect personal information about you from third party sources which we will use for our business purposes (for example, in order to better serve you with content or promotions). However, we will only use this information where these third parties either have your consent or are otherwise legally permitted or required to disclose your personal information to us.
A. Information Collected Automatically
When you visit our Site, we may collect certain user information automatically from your device. In some territories, including California, this information may be considered personal data or personally identifiable information under applicable data protection laws.
More broadly speaking, the user information we collect automatically may include information like your Internet Protocol (“IP”) address, device type, unique device identification numbers, browser-type, broad geographic location (e.g., country or city-level location) and other technical information. We may also collect user information about how your device has interacted with our Site, including the pages accessed and links clicked.
· Log & Device data. Information about your interactions with our Site, which may include log data like your web address you came from or are going to, your device model, operating system, browser type, unique device identifier, IP address, mobile network carrier, and time zone or location. Whether we collect some or all of this information often depends on what type of device you’re using and its settings.
· Other Web Site Analytics Services. We also may use third party service providers to provide certain analytics and Viewer interactions services in connection with our operation of our Site, including the collection and tracking of certain data and information regarding the characteristics and activities of visitors to the Site.
Collecting this information automatically enables us to better understand the visitors who come to our Site, where they come from, and what content on our Site is of interest to them. We use this information for our business purposes, including internal analytics purposes and to improve the quality and relevance of our Site to our visitors.
Please note that nothing in this Notice addresses, or should be read to limit or restrict, how we collect, use or process anonymous, de-identified, or aggregate information.
HOW WE USE YOUR INFORMATION
We may use information that we collect about you, including personal information, to:
· Provide the Features of the Site Products & Services You Request. We will use your information to provide our Site to you; including managing your account; responding to your inquiries; and for other Member service and support purposes. We use the payment information you provide to us in order to alert you of past, current, and upcoming charges, to allow us to present the billing history to you on your billing page on the Site, and to perform internal financial processes, such as looking at the status of a credit card charge. In the event of a credit card dispute, we also share account information with your bank to verify the legitimacy of a charge.
· To Communicate Our Products, Services, Events and for Other Promotional Purposes. If you have an account with us (or have placed an order with us), we may use the contact details you provided to send you marketing communications, where permitted by applicable law. We may use the information that you provide to us to personalize communications and advertisements regarding our products and services that may be of interest to you.
· To Operate, Improve and Maintain our Business, Products and Services.We use the personal data you provide to us to operate our business. For example, when you make a purchase, we use that information for accounting, audits and other internal functions. We may use personal data about how you use our products and services to enhance your user experience and to help us diagnose technical and service problems and administer our Site.
· Legal Compliance. We may use your information to comply with applicable legal or regulatory obligations, including complying with requests from law enforcement or other governmental authorities, or in legal proceedings involving us.
· Other. We also may use your information to manage our business or perform functions as otherwise described to you at the time of collection subject to your consent.
WITH WHOM WE MAY SHARE YOUR INFORMATION
We do not sell your information to any third parties, or disclose it in exchange for money or other valuable consideration. We do not share your personal information with others except as indicated within this Notice, or when we inform you and give you an opportunity to opt-out of having your personal information shared.
We may share information we collect about you, including personal information, in the following ways:
· With third party service providers, agents, contractors, or government entities.
We use other companies, agents or contractors (“Service Providers”) to perform services on our behalf or to assist us with providing services to you.
We may engage Service Providers to process credit card transactions or other payment methods. We may also engage Service Providers to provide services such as monitoring and developing this Site and our products and services; aiding in communications, infrastructure and IT services; Member service; and analyzing and enhancing data. These Service Providers may have access to your personal or other information in order to provide these functions. In addition, some of the above-listed types of information that we request may be collected by third party providers on our behalf.
We may share information with Service Providers and government entities for legal, security, and safety purposes. This includes sharing information in order to enforce policies or contracts, address security breaches, and assist in the investigation of fraud, security issues, or other concerns.
We require Service Providers to agree to take reasonable steps to keep the personal information that we provide to them secure. We do not authorize them to use or disclose your personal information except in connection with providing their services.
· With Business Partners and Advocates
We may collect information about you from our business partners and Advocates. In our business relationships we mainly receive information from Advocates. An example of the type of information that we may receive from an affiliate is your contact information (phone number or email) and information you have shared about your debt situation. This information either leads to a referral to us or a direct transfer of a phone call, based on your affirmative response to an advertisement placed. about debts on a third party’s website. The only information we share back to an affiliate is whether you have signed up with our services. We do not share or sell any other information. Business Partners and Advocates have their own privacy policies, which may differ materially from ours.
· With our Professionals (including Legal Plan Attorneys and others)
We may collect information about you from the independent attorneys with whom you may schedule a consultation and document review through our DebtCleanse Group Services Legal Plan. An example of the type of information that we may receive from these professionals includes the fact that a consultation has occurred. While we cannot control what information legal plan attorneys share with us, DebtCleanse does not intend to collect any information from attorneys that would breach the attorney-client privilege. In other words, we do not seek nor collect information regarding the legal advice you receive from your attorney. • Independent attorneys in our network may share your information with other professionals in situations in which they are seeking to better assist you with individual debt issues and, acting in their own discretion and using their legal expertise, may feel a different professional is better suited to assist in your particular situation.
· In a Business Transfer
· Public Postings
DebtCleanse may publicly share information about consumers, such as by displaying the information on our website or having the information published in publicly available media, in a limited number of circumstances.
We may display personal testimonials of satisfied Members received through email surveys on our website or other marketing. If you wish to update or delete your testimonial, you can contact us at email@example.com.
When consumers leave us reviews either on the DebtCleanse website, or on other publicly available websites, we may display these Member reviews on the DebtCleanse website. If you provide a review that we display and wish to update or delete it, you can also contact us at firstname.lastname@example.org. We will delete your review at your request or if, at our discretion, we choose not to update your review as requested
· Notifications and Communications from Us
We will send you email notifications from time to time. For example, we may send you emails:
• To confirm your registration.
• To provide you with legal notices.
• To notify you of changes or updates to your membership.
• When the online profile you created is changed.
• To ask you to participate in surveys, or otherwise provide feedback.
• To confirm your membership in a program.
• To ask you for information. You may also receive emails from third party providers
MODIFYING AND DELETING YOUR PERSONAL INFORMATION
You may review, modify or delete your personal information at any time. To do so, please log in and update your profile at https://app.debtcleanse.com/login. We may retain certain information as required by law or for necessary business purposes, i.e., to have archived in the event a member who cancels chooses to reactivate her or his membership. The company does not use, share or sell inactive data.
OPTING OUT OF EMAIL, MARKETING CALLS AND SMS/TEXT MESSAGES
Consumers who receive any communication from have affirmatively given their consent and indicated their interest in hearing about our services. In the event they are no longer interested they may opt out at any time by following these procedures:
URL for updating profile information:
Opt-out email address:
Opt out URL:
Opt Out phone:
SMS / TEXT MESSAGES:
Text back “STOP”
MODIFYING AND DELETING YOUR PERSONAL INFORMATION
You may review, modify or delete your personal information at any time. To do so, please log in and update your profile at https://app.debtcleanse.com/login .
We may retain certain information as required by law or for necessary business purposes, i.e., to have archived in the event a member who cancels choose to reactive her or his membership. The Company does not use, share or sell inactive data.
YOUR RIGHTS AND CHOICES
In certain circumstances, local data protection laws (such as the Global Data Protection Regulation or California Consumer Privacy Act) may give you rights with respect to personal information if you are located in or are a resident of that country, state, or territory (including if you are located in the EU/EEA).
IMPORTANT: WE ARE ONLY REQUIRED TO HONOR RIGHTS TO THE EXTENT THAT THESE RIGHTS HAVE BEEN GRANTED TO YOU AND APPLY TO YOU UNDER APPLICABLE DATA PROTECTION LAWS. PLEASE CONSULT YOUR LOCAL DATA PROTECTION LAWS TO DETERMINE WHAT RIGHTS MAY BE AVAILABLE TO YOU AND WHEN ACCESS TO THESE RIGHTS ARE LIMITED.
A. What Rights May Be Available to You
These rights differ based upon local data protection laws in your country, state, or territory, but these rights may include one or more of the following:
· Access to Personal Information. You may have the right to obtain confirmation from us that we process your personal information and, if so, you may have the right to request access to your personal information.
· Rectification. You may have the right to request that we rectify inaccurate personal information concerning you and, depending on the purposes of the processing, you may have the right to have incomplete personal information completed.
· Erasure/Deletion. You may have the right to require us to erase some or all of the personal information concerning you.
· Restriction of Processing. You may have the right to require us to restrict the further processing of your personal information. In such cases, the respective information will be marked as restricted, and may only be processed by us for certain purposes.
· Object. You may have the right to object, on grounds relating to your particular situation, to the processing of your personal information by us, and we may be required to no longer process some or all of your personal information.
· Data Portability. You may have the right to receive a copy of your personal information which you have provided to us, in a structured, commonly used, and machine-readable format, and you may have the right to transmit that personal information to another entity without hindrance from us.
· Withdraw Consent. You may have the right to withdraw consent you have provided to us where we rely solely on your consent to process your personal information. You can always provide your consent to us again at a later time.
· Right to Complain. You may have the right to lodge a complaint to an applicable supervisory authority or other regulator if you are not satisfied with our responses to your requests or how we manage your personal information. For example, if you are located in the EU/EEA, a list of and more information about the EU/EEA Data Protection Authorities can be found here:http://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm. We encourage you to first or also reach out to us email@example.com so we have an opportunity to address your concerns directly.
· California Resident.If you are a California resident, California Civil Code Section 1798.83 may permit you the right to request information regarding the disclosure of personal information about you by us to third parties for the third parties’ direct marketing purposes. Moreover, California residents are also directed to the section titled “Do Not Track” herein.
· Nevada Resident.If you are a Nevada resident, Nevada residents may also have certain rights regarding the sale of personal information. Nevada residents may opt out of the future sale of their information to a third party so that they may license or sell information by emailing us at: firstname.lastname@example.org.
SECURITY AND STORAGE OF INFORMATION
We take the security of your personal data very seriously. We work hard to protect the personal data that you provide from loss, misuse, and unauthorized access, or disclosure. Given the nature of communications and information processing technology, there is no guarantee that personal data will be absolutely safe from access, alteration, or destruction by a breach of any of our physical, technical, and managerial safeguards.
You should take steps to protect against unauthorized access to your device and account by, among other things, choosing a unique and complex password that nobody else knows or can easily guess and keeping your username and password private. We are not responsible for any lost, stolen, or compromised passwords or for any activity on your account via unauthorized password activity.
We retain the personal data we collect for so long as is reasonably necessary to fulfill the purposes for which the data was collected, to perform our contractual and legal obligations, and for any applicable statute of limitations periods for the purposes of bringing and defending claims.
Our Site may contain links to third-party websites and applications. Any access to and use of such linked websites and applications is not governed by this Notice but instead is governed by the privacy policies of those third parties. We do not endorse these parties, their content, or any products and services they offer, and we do not endorse these parties, their content, or any products and services they offer, and we are not responsible for the information practices of such third-party websites or applications.
TRANSFER OF YOUR INFORMATION
This Siteis based in the United States. Your information may be processed, transferred to, and maintained on, servers and databases located within the United States and elsewhere where the privacy laws may not be as protective as your jurisdiction. We reserve the right to transfer your information to and from any state, province, country or other governmental jurisdiction. Your consent to this Notice followed by your submission or our collection of such information represents your agreement to any such transfer.
DO NOT TRACK
Web browsers can transmit “Do Not Track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personal information about an individual’s online activities over time and across third party websites or online services.Currently, no universally accepted standard exists for how to interpret such signals, although work to create consensus is ongoing. Therefore, we do not currently respond to, or take any action with respect to web browser Do Not Track.
CHILDREN AND PRIVACY
The Site is not directed to children under eighteen (18) years of age, and we do not knowingly collect personal information from children under 18. If we discover that a child under 18 has provided us with personal information, we will promptly delete such personal information from our systems.You may learn more about protecting children’s privacy online by visiting: https://www.ftc.gov/tips-advice/business-center/privacy-and-security/children%27s-privacy
WHAT DOES DEBTCLEANSE DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information.
Please read this notice carefully to understand what we do.
- The types of personal information we collect and share depend on the product or service you have with us. This information can include: Specific product or service needs, Social Security Numbers, Credit Profile, Address & Payment Information
- All financial companies need to share personal information to run their everyday business. In the section below, we list the reasons financial companies can share their personal information; the reasons chooses to share; and whether you can limit this sharing
Reasons we can share your info
Do we share your info?
Can you limit this sharing?
For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
Yes, we may share your info with necessary parties to help facilitate the products and services that you have contracted for.
For our marketing purposes— to offer our products and services to you
We may share your information with vendors that assist us in offering various opportunities to you.
Yes, you can opt out of receiving any marketing from us for any products other than the products or service you have contracted for.
For joint marketing with other financial companies
We may share your information with other financial and non-financial entities
Yes, you can opt out of any non-essential sharing with third parties.
For our affiliates’ everyday business purposes— information about your transactions and experiences
Yes, we may share your info with affiliated parties to help facilitate your goals
Yes, you can opt out of any non-essential sharing with third parties.
To limit our sharing of information or for ANY Questions: Call us at 1-800-500-0908.
Please note if you are a new customer we can begin sharing your information 5 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. However you can contact us at any time to limit our sharing.
How does Debt Cleanse protect my personal information?
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards, encrypted storage of all personal information, data security and breach protocols and secured files and buildings. All employees are trained and monitored on privacy and security protocols, we monitor all offices with cameras, and protect them with monitored alarm systems, we additionally destroy all physical documents after they are no longer needed, and keep electronic copies of them in a secure encrypted environment.
How do we collect your personal information?
We collect your personal information from any and all interactions that you have on our websites, we portals, email communications, telephonic communications, mail services and face to face interactions.
Information for Vermont, California and Nevada Customers:
In response to a Vermont regulation, we automatically treat customers with Vermont billing addresses as if they requested us not to share your information with nonaffiliated third parties, and that we limit the information we share with any affiliates. If we disclose 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. In response to a California law, we will automatically treat individuals with a California billing addresses as if they had requested us not to share their 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 we have 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 DebtCleanse, 900 S Pine Island Rd, STE 205, Plantation, FL 33324 or contact us at the telephone number listed above. In response to Nevada law, we are providing you this notice. You may be placed on our internal Do Not Call List by contacting us at the address 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: BCPINFO@ag.state.nv.us.
Why can’t I limit all sharing?
Although federal law does not require us to, we give you the right to limit any sharing that is not directly needed to facilitate our contracted services and or delivery of contracted products.
What happens when I limit my sharing for an account I hold jointly with someone else?
We limit sharing for both individuals to ensure protection of your wishes.
Affiliates: Companies related by common ownership or control. They can be financial and non-financial companies.
Non-Affiliates Companies not related by common ownership or control. They can be financial and non-financial companies.
Joint Marketing: A formal agreement between non-affiliated financial companies that together market financial products or services to you.
CONTACT INFORMATION & CHANGES TO THIS NOTICE
If you have any questions or comments about this Notice, our Privacy Statement, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at email@example.com.
This Notice is current as of the Effective Date set forth aboveand as modified as noted below. We reserve the right to amend this Notice at our discretion and at any time and will notify you of such amendment(s) on our homepage. Please note that if you continue to visit and use this Siteafter those changes are in effect, you agree to the revised Notice through use.
Effective Date; January, 2022