Last Updated: December 27, 2018
Our mission at Debt Advisor is to connect you with our marketplace of third party debt consultation and debt consolidation service providers ("Service Providers").
What Information Do We Collect and How?
Anonymous and Aggregated Web Traffic Information.
General traffic, site usage, browser information, length-of-stay information, and location data is collected and stored in log files. This type of information is collected and shared on an anonymous, aggregated basis meaning that we do not connect this information to your name or other personal information.
Personal Information (non-financial).
We collect all or some of the following personal information: first and last name, phone number, email address, and zip code in the following contexts:
- Requests for Service: To start the process of getting connected with a Service Provider, we collect the above personal information on the Resolve My Debt form on our home page.
- Other Requests: We collect information volunteered by users, including from requests via the Contact Us Form on our website. We also may collect email addresses of those who communicate with us via email.
Financial Information – Debt Amount and Type.
When you request service through our Resolve My Debt form, we also collect the total amount of your debt and the type of debt (i.e. credit card debt, personal loan debt).
What We Do with the Information We Collect:
We use anonymous and aggregated information to operate, develop and improve our services.
We process your personal information for the legitimate interest of connecting you with a Service Provider.
We use your financial information for the purpose of connecting you with a Service Provider to assist you with your debt amount and type.
By submitting your contact information to us, you are expressly consenting to be contacted by us or by one or more Service Providers by telephone, email or postal mail. Your information may be going to an aggregator or marketer and not a debt settlement company/debt relief provider. Your information can be sold multiple times leading to multiple offers from debt relief providers, debt settlement companies, aggregators, and other marketers. Processing your information for the purposes described is necessary for us to do what we do and it's in both of our interests. When we use your information based on our legitimate interests, we conduct a balancing test based on the legitimate interest, necessity of processing your information, and how such processing impacts you.
We may also use or disclose your information where we conclude that we are required by law or have a good faith belief that access, preservation or disclosure of such information is reasonably necessary to protect the rights, property or safety of Debt Advisor, its users or the public.
If you have any questions or concerns with us processing your information for this legitimate interest, please contact us.
We'll ask for your consent before using your information for a purpose that extends beyond what you may reasonably expect from a company offering referrals to a marketplace of debt relief service providers and that has a more significant privacy impact.
Debt Advisor works with trusted vendors in the following categories to help fulfill our mission and process your information for the purposes described: call center services, delivering email, and storing data. We will only provide those companies the information they need to deliver the service, and they are contractually prohibited from using that information for any other purpose.
What Are Cookies and How Do We Use Them?
- Provide you with personalized content based on your use of our websites
- Enable you to more easily use our websites by remembering and using contact information and form information
- Evaluate, monitor and analyze the use of our websites and their traffic patterns to help improve our websites and services
The types of technologies we use include:
You may disable browser cookies in your browser or set your browser to warn you when a cookie is being sent. You may lose some features or functionality when you disable cookies. Remember, also, that disabling cookies is browser specific. If you log on using Microsoft Edge, you must also disable cookies in Safari if you use that browser at a different time.
"Log files" track actions occurring on our websites and collect data including your IP address, browser type, internet service provider, referring/exit pages and date/time stamps.
"Web beacons," "tags," and "pixels" are electronic files used to record information about how you browse the site. You cannot disable web beacons or pixel tags and they are not visible when browsing.
Choices You Have Regarding Your Information:
You have the right to have your personal information corrected and/or erased. You may contact us to request access to, correct, or delete any personal information that you have provided to us. Please note, we may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.
You may have heard about "Do Not Track" (DNT), which is a privacy preference that users can set in their web browsers. Our website does not support DNT codes.
How We Protect Your Information:
We have appropriate security measures in place to prevent personal information from being accidentally lost or used or accessed in an unauthorized way. We limit access to your personal information to those employees and Service Providers who have a genuine business need to know it to provide you with debt consultation and consolidation services. Those processing your information will do so only in an authorized manner and are subject to a duty of confidentiality.
- Our online forms use encryption technology for personal and financial information.
We also have procedures in place to deal with any suspected data security breach. We will notify you and any applicable regulator of a suspected data security breach where we are legally required to do so.
How Long We Keep Your Information:
We keep your information only so long as we need it to provide the service you've requested and to fulfill the purposes described in this policy. Because people who purchase or download resources from Debt Advisor are often interested in other solutions and resources, we keep your information on file to enable you to receive such resources. If you subscribe to our mailing list, we keep your contact information on file until you instruct us to remove it. If you unsubscribe from an email list or opt-out of email communications, we keep your email address on our opt-out list.
Children's Online Privacy Protection Act Compliance:
This website is not intended for use by individuals under the age of 18. We are in compliance with the requirements of the Children’s Online Privacy Protection Act (COPPA) and we do not knowingly collect any information from anyone under 13 years of age. Our website and services are directed to people who are at least 18 years of age and older. When notified of a user who is not over the age of 18, we will take immediate remedial measures to remove that individual from our user database.
For Our Friends in CA:
California Civil Code Section 1798.83 permits our website visitors who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us. Please make sure to state that you are a California resident.
How We Make Changes to This Policy:
We may change this policy from time to time and if we do, we'll post any changes on this page. If you continue to use our website after those changes are in effect, you agree to the new policy. If the changes are significant, we may provide a more prominent notice or get your consent, as required by law.
With your consent, we may send push notifications or alerts to your web browser or your mobile device. These notifications may include marketing messages from us or from third-parties. You can deactivate these messages at any time by changing the notification settings on your mobile device or browser.
How to Contact Us:
If you have any questions about this policy or need to contact the Company to exercise your rights as a data subject under the GDPR, please contact Debt Advisor's Privacy Officer at: contact us, by calling us at (855) 364-DEBT, or by mail at Debt Advisor, 124 Broadkill Road #468, Milton, DE 19968.