Privacy Policy

1. Scope of This Policy

This Privacy Policy describes how DebtFix, LLC ("DebtFix", "we", "us", or "our") collects, uses, discloses, and protects personal information in connection with the website located at debtfix.com and its related pages, forms, and tools (the "Site"), our client portal, our telephone and text communications, and our debt settlement services (collectively, the "Services"). By accessing or using the Services, you acknowledge that you have read and understood this Privacy Policy. This Policy is incorporated into our Terms & Conditions. It includes our consumer financial privacy notice under the Gramm-Leach-Bliley Act (Section 8) and notices of state privacy rights (Sections 12 through 14). This Policy applies to prospective, current, and former clients and to visitors of the Site.

2. Personal Information We Collect

Information you provide to us. Identifiers and contact information, such as your name, postal address, email address, and telephone number; financial information, such as your estimated debt, creditors, account balances, income, expenses, and hardship circumstances; Social Security number and date of birth, where required to provide the Services; and the contents of communications you send us, including forms, chat, email, and text messages.

Information collected automatically. Internet and network activity, such as the pages you view, the source that referred you, the identifiers of the device and browser you use, your IP address, and interactions with our forms, collected through cookies and similar technologies as described in Section 5.

Audio and electronic communications. Telephone calls and other communications with us may be monitored and recorded for quality, training, compliance, and dispute-resolution purposes, and records of text message and email exchanges are retained. Where the law requires, you will be notified of recording at the start of a call.

Information from other sources. With your authorization, consumer report information from consumer reporting agencies, used solely to identify and verify the debts, balances, and account status relevant to your program; information from your creditors and their agents in the course of negotiating enrolled debts; and information from service providers that operate parts of the Services on our behalf, such as the provider that administers your dedicated account.

3. How We Use Personal Information

We use personal information to: (a) respond to your inquiries and provide requested information; (b) evaluate whether our program fits your situation; (c) provide, administer, and service your program if you enroll, including negotiating with your creditors and administering your dedicated account through its provider; (d) verify your identity and protect against fraud and unauthorized activity; (e) communicate with you about your inquiry, your program, and, with any required consent, our services and offers; (f) operate, maintain, secure, and improve the Site and the Services; (g) measure the performance of the Site and our marketing; (h) comply with applicable law, regulation, legal process, and our recordkeeping obligations; and (i) establish, exercise, or defend legal claims.

4. Social Security Numbers

Where we collect Social Security numbers to provide the Services, we protect their confidentiality: they are stored in encrypted form, access is limited to personnel and systems that require them to perform the Services, they are displayed within our systems only in truncated form except where the full number is required in a program document, and they are never sold and never disclosed except as required to provide the Services or as required by law. We prohibit their unlawful disclosure.

5. Cookies and Online Tracking

The Site uses cookies and similar technologies, including session cookies, persistent cookies, pixels, and first-party analytics, to make the Site function, remember your progress in our forms, understand how visitors use the Site, measure which marketing sources bring visitors to us, and document form submissions and consent. You can control or delete cookies through your browser settings; portions of the Site, including the savings estimator, may not function without them. Continuing to browse the Site constitutes consent to this use. We do not use cross-site behavioral tracking to follow you around the internet. Because we do not sell or share personal information as those terms are defined in Section 12, opt-out preference signals such as the Global Privacy Control do not change how we process your information; we note them where the law requires.

6. How We Disclose Personal Information

We disclose personal information only as follows:

(a) Service providers, companies that perform services on our behalf, such as the dedicated account provider, communications and hosting providers, analytics providers, electronic signature services, and professional advisors, each bound by contract to protect the information and use it only to perform services for us; (b) your creditors and their agents, only if you enroll and only as necessary to negotiate and settle your enrolled debts; (c) consumer reporting agencies, only with your authorization and as described in Section 2; (d) optional program vendors you elect, such as a legal protection plan provider, only upon your election; (e) legal and safety disclosures, where required by law, subpoena, or court order, to enforce our agreements, or to protect the rights, property, or safety of DebtFix, our clients, or others; and (f) business transfers, in connection with a merger, acquisition, reorganization, or sale of assets, in which case personal information may be transferred as a business asset subject to this Policy.

WE DO NOT SELL PERSONAL INFORMATION, AND WE DO NOT DISCLOSE PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES SO THAT THEY MAY MARKET THEIR OWN PRODUCTS OR SERVICES TO YOU.

7. Text Messages and Telephone Communications

You receive autodialed or prerecorded marketing calls or marketing text messages from us only if you separately and expressly consent on the form where you provide your telephone number, and consent is never a condition of purchase. We do not sell, rent, or share your mobile telephone number with third parties for their marketing purposes; text messaging originator opt-in data will not be shared with any third party except providers acting on our behalf to deliver the messages. Reply STOP to any text message to stop text messages, reply HELP for help, and call 888-970-9590 at any time to set your communication preferences. Message and data rates may apply. Opting out of marketing does not stop transactional or servicing communications about an active inquiry or program.

8. Consumer Financial Privacy Notice (Gramm-Leach-Bliley Act)

Federal law gives consumers the right to limit some but not all sharing of nonpublic personal information by financial institutions, and requires us to tell you how we collect, share, and protect it. This section is our consumer financial privacy notice.

What we collect. The nonpublic personal information we collect includes your Social Security number, income, account balances, payment history, credit information, and the other categories described in Section 2, collected from you, from transactions within your program, and, with your authorization, from consumer reporting agencies.

How we share. We share nonpublic personal information for everyday business purposes, such as administering your program, negotiating with your creditors, maintaining your dedicated account through its provider, responding to court orders and legal investigations, and reporting where required by law. We may use your information to market our own services to you. We do not share nonpublic personal information with affiliates (we have none), we do not participate in joint marketing arrangements involving the disclosure of your nonpublic personal information, and we do not share nonpublic personal information with nonaffiliated third parties to market to you. Because we only share for purposes the law permits without an opt-out, there is no sharing for you to limit; if that ever changes, we will notify you and provide the required opt-out before any new category of sharing begins.

How we protect. We maintain physical, electronic, and procedural safeguards that comply with federal standards to protect nonpublic personal information, as described in Section 9. This notice applies to prospective, current, and former clients.

9. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against loss, misuse, unauthorized access, disclosure, alteration, and destruction, including encryption of sensitive fields, role-limited access, personnel training, and audit records of access to client information. No method of transmission or storage is completely secure; if a breach affecting your information requires notice under applicable law, we will provide it.

10. Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Policy, including to satisfy legal, regulatory, audit, and recordkeeping obligations that apply to debt settlement services, and then dispose of it securely. Retention periods vary by record type; records evidencing consents, disclosures, enrollments, settlements, and communications are retained for the periods required by applicable law.

11. Children

The Services are intended for adults and are not directed to anyone under eighteen (18) years of age. We do not knowingly collect personal information from children under thirteen (13), consistent with the Children's Online Privacy Protection Act, and if we learn that we have inadvertently collected personal information from a minor we will delete it.

12. State Privacy Rights

Depending on your state of residence, you may have some or all of the following rights with respect to personal information, subject to legal limits and to exceptions that apply to information covered by federal financial privacy law: the right to know and access the personal information we have collected about you, including the categories collected, the sources, the purposes, and the categories of recipients; the right to correct inaccurate personal information; the right to delete personal information; the right to obtain a portable copy; the right to opt out of the sale or sharing of personal information, of targeted advertising, and of certain profiling; and the right not to be discriminated against for exercising any of these rights.

WE DO NOT SELL PERSONAL INFORMATION, WE DO NOT SHARE PERSONAL INFORMATION FOR CROSS-CONTEXT BEHAVIORAL ADVERTISING, AND WE DO NOT ENGAGE IN PROFILING THAT PRODUCES LEGAL OR SIMILARLY SIGNIFICANT EFFECTS. There is accordingly no sale, sharing, or profiling to opt out of.

Exercising your rights. You or your authorized agent may submit a request by calling 888-970-9590 or through the contact page. We will verify your identity using information we already hold, such as your contact information and facts about your inquiry or program, and we may require an authorized agent to provide proof of authorization. We will respond within the time required by your state's law (generally forty-five (45) days, extendable once where permitted with notice to you). If we decline a request, we will explain why, and where your state provides an appeal process we will explain how to appeal.

13. Notice to California Residents

This section supplements this Policy under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (the "CCPA"). In the preceding twelve (12) months we have collected the following categories of personal information described in the CCPA: identifiers (such as name, address, email address, telephone number, and IP address); personal information categories listed in the California Customer Records statute (such as Social Security number and financial information); commercial information (such as records of services considered or obtained); internet or other electronic network activity information (such as browsing and form interactions on the Site); audio information (such as recorded calls); professional or employment-related information (such as employer and income information you provide); and inferences limited to program fit and servicing. Sources, purposes, and recipient categories are described in Sections 2, 3, and 6. We collect and use sensitive personal information, such as Social Security numbers and account information, only to provide the Services, to comply with law, and for the other purposes permitted by the CCPA without a right to limit; we do not use it to infer characteristics.

California residents have the rights described in Section 12, including the rights to know, access, correct, delete, and obtain a portable copy, and the right to non-discrimination. We have not sold or shared personal information as the CCPA defines those terms in the preceding twelve (12) months, and we have no actual knowledge of selling or sharing the personal information of consumers under sixteen (16) years of age. California's "Shine the Light" law entitles you to request a list of third parties to whom personal information was disclosed for their direct marketing; our answer is that we make no such disclosures. Requests may be submitted using the methods in Section 12 and are limited as provided by law.

14. Notices to Vermont and Nevada Residents

Vermont. We do not disclose nonpublic personal information about Vermont residents to nonaffiliated third parties except as permitted by Vermont law, and we do not share information about your creditworthiness other than as permitted by Vermont law.

Nevada. Nevada law allows Nevada residents to opt out of the sale of certain covered information; we do not sell covered information. Nevada residents may also elect to be placed on our internal do-not-call list by calling 888-970-9590. You may contact the Nevada Attorney General's Bureau of Consumer Protection with questions about telemarketing practices.

15. Users Outside the United States

The Services are offered only to residents of the United States, and personal information is stored and processed in the United States. If you access the Site from outside the United States, you do so on your own initiative, and your information will be processed in the United States, where privacy laws may differ from those of your jurisdiction.

16. Testimonials and Reviews

We display client reviews and testimonials only with permission and attributed by first name only, as described in our Terms & Conditions. You may withdraw permission at any time using the contact methods below, and we will remove the displayed content within a commercially reasonable period.

17. Third-Party Websites

The Site may link to websites we do not operate. This Policy does not apply to those websites, and we are not responsible for their content or privacy practices. Review the privacy policy of any website you visit.

18. Changes to This Policy

We may update this Policy from time to time by posting the revised version on this page with a new "last updated" date, and, for material changes affecting information we hold about you, by providing any additional notice required by law. Your continued use of the Services after a revision becomes effective constitutes acceptance of the revised Policy.

19. Contact Us

To ask questions about this Policy, exercise any right described in it, or request paper copies of program materials, call 888-970-9590 or reach us through the contact page, through which we will provide a mailing address for written correspondence.