Your privacy is important to Debt.org, and we’re committed to making sure it is protected. We want you to use our website in the manner best for you, and we want to ensure that we have policies and protections in place as we connect you with trusted partners in your quest to live a debt-free life. That includes any personal information you relay to us or submit through us. Debt.org is not affiliated with any federal or state government agency or entity. This policy applies only to the website of Debt.org.
Information Collection and Use
We collect and use personal information about you to respond to your request for products and services marketed through this website and provided by our business partners. We also collect information so that we can notify you about products, services and other opportunities we think will be of interest to you. We store our information on a secure server protected by a firewall designed to keep unauthorized users out. We use software to protect your information. Your information is encrypted when you submit it. The only information that is not encrypted is anything you send is via email. We collect:
- Information provided by you in connection with obtaining a credit card. For example, you may be asked to submit your full name and home address. In some cases, you may also be asked to submit additional personal information once you are linked to the credit card issuer’s website.
- Information provided by you in connection with obtaining quotes for other products or services such as long distance service, internet access, and insurance.
- Information provided by you in connection with obtaining a certain product or service offered by one our business partners.
- Information you provide us when you register to receive communications from us (such as your email address).
- Information you provide us when you enter promotions or sweepstakes offered by Debt.org (such as your full name, physical address and email address).
- Information you provide us through telephone and web based surveys, customer service correspondence, and general feedback.
We also collect demographic information such as gender, ZIP code, or any information that is not tied to your personal information. In addition, we might receive information about you from other online or offline sources and may add that information to your existing account. We keep your information for an indefinite period of time. By using our site and by submitting your information, you agree that we, our partners or our affiliates can market or advertise other products and services to your.
Information Sharing and Disclosure
We share personal information about you under the following circumstances:
Loan Products or Service Requests
If you submit a request for quotes for a loan product or service offered through this website, we will share the personal information contained in your request form (such as your name, address, phone number, property location, self-assessed financial value and a Social Security number) with third parties. Those parties can include banks, mortgage lenders and brokers and lead collectors in our client network. Thee parties serve to fulfill your request. In some circumstances, we may obtain additional information about you and share that information with our network.
All lenders in our network entered into agreements with Debt.org and are required to comply with federal and state privacy regulations. By submitting your request to Debt.org, you understand that lenders may contact you by telephone, automated calling, email or regular mail based on the information you provided to us in order to process and fulfill your request, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state equivalent Do Not Call List, or the Do Not Call List of an internal company. If one of the Lenders contacts you and you wish not to be contacted again by that Lender with respect to your inquiry, then you should specifically make a request to that Lender not to contact you again. Please note that the lenders may maintain the information you provided even if you do not elect to use their services.
Credit Card Requests
If you wish to obtain a credit card, you will be asked to provide your personal information (such as your full name and home address).
Debt Relief Services and Other Products or Service Requests
We sometimes disclose collected information to companies that operate various services for us (such as marketing distribution, advertising or certain product functionalities). These vendors only have access to personal information needed to perform their expert functions and are not permitted to share it with others or use it for any other purpose.
Subsidiaries, Parent or Sister Companies
We may share personal and demographic information about you with our subsidiaries, parent company, or sister companies.
Aggregate, Non-Personal, or De-identified Information
We may share aggregated information (such as information about you and other customers as a group but not you specifically) and other non-personal, de-identified, or anonymous information we collect with third parties, including affiliates to develop and deliver targeted advertising on our Site and on the websites of third parties. You may at any time elect to turn off the cookies on your computer.
As Permitted by Law
We may be required to share your personal information with law enforcement or government agencies in response to subpoenas, court orders, federal/state audits or similar circumstances. We believe it is necessary to share information to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or any other violations or as otherwise required by law.
It’s possible Debt.org could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by us, including your personal information, customer and business account information, but would continue to be bound by this policy unless you consent otherwise.
Advertisements and Third-Party Ad Servers
You may receive advertisements for Debt.org from third parties. For example, you may receive a pop-up ad, a banner ad or a displayed text link ad for our site while you are on an unrelated, third-party website. You could also get one of our ads served up through a social media site or cell phone app or on some other medium. Such advertisements are served by the third-party site that you visit and are not controlled by Debt.org. In addition, such advertisements may be placed by third-party ad servers or ad networks such as DoubleClick. These companies may employ cookies and action tags to measure advertising effectiveness. You may find more information at the website of either the individual ad network or the Network Advertising Initiative.
Debt.org carries the Norton Secured Seal. This label means Norton labels Debt.org as a website that can be trusted not to do anything harmful to a user’s computer. Norton scans the site daily for viruses and other potential online threats and assures than any information you pass along through Debt.org is encrypted. Any searches you perform on Debt.org or any information you transmit through the site can be done with confidence.
Cookies and IP Addresses
We track Internet Protocol addresses. An IP address identifies your computer when navigate the Internet. These cookies allow us to track how you navigate on Debt.org for each session. If you do not clear out your cookies before you return for another visit to Debt.org, we can track you over time. In other words, we will collect data that says you are repeat visitor. The kinds of data we collect includes what kind of browser you are using, what pages you visit and for how long and whether you responded to a call-to-action. If you set your browser or other software to employ “do not track” software, we do not collect any cookie-related information on you. We do not share any cookie-related information with partners, vendors, affiliates or affiliate websites.
Debt.org uses a software technology called clear gifs (also known as web beacons). Clear gifs are tiny graphics with a unique identifier. They track the online movement of Internet users. Clear gifs are not tied to users’ personally identifiable information. We also use clear gifs in our HTML-based emails to let us know which emails the recipients have opened. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If users would like to opt-out of these emails, please see the Opt Out section within any email you receive from us or unsubscribe from our homepage by going here.
Offering You Choices
Debt.org offers you choices on how to use our site. Those choice involve you adjusting settings on your browser(s) and on your computer.
Marketing Email Options: You may register to receive communications from us directly on our website or through a third party. Upon registering, we will periodically send you newsletters and other e-mails with offers and promotions. If you no longer wish to receive these communications, please let us know by sending an email to Debt.org Customer Care (You may also opt-out by clicking on the unsubscribe link in our emails).
Refusing Cookies: We utilize reputable third-party vendors to serve advertisements. If, however, you are not comfortable with cookies, you can adjust the settings within your browser to further prohibit being served a cookie. Please see your specific browser’s instructions to perform this task.
The National Advertising Initiative (“NAI”) has developed an opt-out tool with the express purpose of allowing consumers to “opt-out” of the targeted advertising delivered by its member networks. You can visit the NAI opt-out page and opt-out of cookie tracking. Please visit NAI here.
Third-Party Advertisers: Please note that Debt.org can only control its own mailing list and policies. Third party advertisers that maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.
Confidentiality and Security
The security of your personal information is very important at Debt.org and we take a number of steps to safeguard it. For example, we limit access to personal information to those employees or agents who assist us in providing requested products and services to you and maintain physical, electronic, and procedural safeguards that comply with federal standards to guard personal information about you.
A Special Note about Children’s Privacy
You must be at least 18 years old to use this website. We do not knowingly collect, use or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our website only in conjunction with your parents or guardians.
Removing Your Information
We will retain your information for as long as your account is active or as needed to provide you services. If you wish to request that we no longer use your information to provide you services or updates on additional products, contact us. Additionally, we will retain and use your information as necessary to comply with our legal or regulatory obligations, resolve disputes, and enforce our agreements.
If your personally identifiable information changes or if you no longer desire our service, you may update or amend your information with us or ask to have it removed from our database lists or production directory. Simply contact us by email or traditional mail. We will respond to your request to access within 30 calendar days.
Send an email to:
Send a letter to:
Attn: Customer Care
1000 N. West Street
Suite 1200 #907
Wilmington, DE 19801
Any information sent to us through email is not encrypted by us.
From time to time, we may add new sites that may or may not be listed in this Privacy Pledge. Please note that this policy applies only to the information collected through this website and not to websites maintained by other companies or organizations to which we link. In addition, this policy applies only to information collected by Debt.org online or offline.
Updated: Sept. 25, 2013