Last Updated: January 5, 2025

Please be aware that all calls with Debt Free Day LLC may be recorded or monitored for quality assurance and training purposes.

This Privacy Policy applies to www.debtfreeday.info, operated by Debt Free Day LLC (referred to as “the Company” or “Debt Free Day LLC”), and any affiliated or subsidiary websites linked to this Policy (each referred to as a “Site,” and collectively, “the Sites”). This Policy outlines how Debt Free Day LLC collects, uses, and protects the personal information you provide. It also explains the options available to you concerning the use, access, and updating or correction of your personal information.

Agreement to this Policy

By using this Site, you agree to this Privacy Policy, including your consent to the collection, use, and disclosure of your information as described here.

This Agreement is governed by a binding arbitration clause as outlined in the Terms of Service. These Terms impact your legal rights, including your agreement to resolve any disputes that may arise between you and Debt Free Day LLC through arbitration on an individual basis, rather than through class actions or jury trials. As a condition of using this Site, you agree that any disputes relating to the information presented here or your use of the Site, including privacy matters, will be resolved through binding arbitration and not in court. You have the right to opt out of our arbitration agreement.

Collection of Your Information

We collect the following personal information from you to provide our services effectively:

Personal Data You Provide

We may collect personal data directly from you when you enroll in our services, visit our website, or inquire about our products or services. This may include:

• Contact Information: Your name, email address, mailing address, phone number, and any other details you voluntarily provide to us via email.
• Mailing List Subscriptions: If you sign up to receive emails from us, we will collect your name, company name, and email address. To unsubscribe from marketing emails, simply click the unsubscribe link located in the footer of our emails.
• Financial Information: We may gather financial data such as your bank account details, credit accounts, credit history, income, employment records, and other information relevant to your financial situation.
• Communications: In order to address your needs, we may request communications that Debt Free Day LLC is not directly involved with. This could include interactions with your creditors or debt collectors, phone conversations, contractual agreements, and any other information you choose to share.
• Social Media Information: Information shared publicly on your social media profiles or through public comments and endorsements on websites.

Personal Data Collected Automatically

We automatically collect certain personal data through your use of our Site, as well as through cookies and other tracking technologies. This data may include the following:

• Log Data: Information that your browser sends automatically when you visit our website (“log data”). This includes details such as your Internet Protocol (IP) address, browser type and settings, date and time of your visit, and your interaction with the website.
• Usage Data: We may collect information about how you use the Services, such as the types of content you view or engage with, the features you use, and the actions you take. Additionally, we may collect details like your time zone, country, dates and times of access, user agent, device type, computer connection, IP address, and similar data.
• Cookies and Tracking Information: We may use cookies or other tracking technologies to enhance the functionality of the Site and improve our services. These technologies also allow us to engage in targeted marketing, using information that could be considered personal data, such as your IP address and page views.

Personal Data We Collect About You from Other Sources

In certain situations, we may obtain personal data about you from external sources. These sources include third-party providers that assist in administering our services, such as debt settlement companies, creditors, debt collectors, credit reporting agencies, and our advertising and marketing partners.

Sensitive Information

Some of the information you provide to us, such as government-issued identification and your signature, may be classified as sensitive personal information under the laws of certain jurisdictions. We only use sensitive personal information for purposes that are reasonably expected by the average consumer in the context of providing our services, including for legal, security, and safety purposes. We do not use this information to infer characteristics about you.

We may share this sensitive information with non-affiliated third-party business partners as part of your enrollment in their services. If you wish to limit the use of your sensitive information, please contact us at [email protected] and clearly state your request.

Use of Your Personal Information

In addition to the purposes mentioned above, we may use the personal data we collect in accordance with applicable laws for the following purposes:

• Maintain and enhance the functionality of our website and services.
• Ensure the security and integrity of our Site and Services.
• Communicate with you, including customer support, security updates, or recommending financial products or services from our unaffiliated third-party partners.
• Enroll you in our services or those of our partners.
• Negotiate your enrolled accounts on your behalf.
• Investigate and address illegal activities, suspected fraud, safety threats, or violations of our Terms of Use, and fulfill our legal obligations.
• Monitor compliance with and enforce this Privacy Policy, as well as any relevant agreements or policies.
• Defend our legal rights and the rights of others.
• Assist you with debt negotiation or other legal matters.
• Market our products and services to you.
• Fulfill any other purpose for which you provide your personal information.
• Support any purpose reasonably necessary or compatible with the original purpose for which we collected your personal data, as disclosed to you.
• Comply with applicable laws and regulations.
• Send you messages, including occasional SMS messages through a third-party service provider. To learn more about these messages, please refer to our SMS Policy below.

Information Collected from Third Parties

We may purchase marketing data about our customers from third-party sources and combine it with the personally identifiable information you provide. This allows us to offer advertising and products that we believe may be of interest to you.

Cookies and Other Tracking Technologies

When you use our Services or visit our Websites, we may send one or more cookies or similar tracking technologies to your device.

Cookies

Cookies are small text files containing limited information, which are downloaded to your device when you browse the web or use a web-enabled app.

There are two main types of cookies:

• First-party cookies: These are served directly by us to your computer or mobile device when you access a web-enabled app.
• Third-party cookies: These are served by a third party on our behalf. We use third-party cookies for purposes such as functionality, analytics, marketing, and social media engagement.

As described below, cookies may remain on your computer or mobile device for varying durations:

• Single-session (temporary) cookies: These cookies last only as long as your browser is open and are used for technical purposes, such as improving navigation on our Website. Once you close your browser, the cookie disappears.
• Multi-session (persistent) cookies: These cookies remain on your device for an extended period and are used for purposes such as session management (e.g., remembering your login details and preferences).

Like many companies, we use cookies to track metrics such as the number of unique visitors, page views, time spent on pages, and other web statistics. These cookies help us monitor the performance of our Site Services, improve user experience, and enhance personalization.

Cookie Classification

We categorize cookies as follows:

• Non-targeting cookies: Primarily used for operational, performance, analytical, and functional purposes.
• Targeting cookies: Set by our advertising partners through our Website. These cookies help build a profile of your interests and display relevant ads on other sites. While they don’t store personal information directly, they are based on uniquely identifying your browser and device. If you choose not to allow these cookies, you may see less personalized advertising.

How We Share Your Personal Data

We may share the personal data we collect about you in the following circumstances:

• With third-party partners who provide services you have requested.
• To enroll you in programs offered by our third-party partners.
• With vendors who perform data-related or other services on our behalf, such as email marketing, hosting, maintenance, backup, and analysis.
• As required by law or regulation.
• With third-party creditors or financial institutions to facilitate the provision of our services.
• In connection with any ongoing or prospective legal proceedings.
• To establish, defend, or exercise our own legal rights or those of a third party, including sharing information for fraud prevention purposes.
• With any individual or entity who we reasonably believe may apply to a court or other competent authority for the disclosure of your personal data, where, in our opinion, such authority would likely order its release.
• As part of any business transaction such as a sale, acquisition, merger, bankruptcy, liquidation, or similar event, or in preparation for such transactions.
• With third-party servicers you are contracted with, such as debt collection agencies, to provide updates on the status of your enrolled accounts.
• With third-party marketing companies to promote our services or offer products that may interest you.
• With any other party to whom you have given explicit consent for disclosure.
• For any other purpose disclosed at the time of providing your personal data, or any purpose we deem necessary, including to protect the health or safety of others.

Additional Purposes for Collecting and Using Your Personal Data

We currently collect and have previously collected your personal information for the following business or commercial purposes:

• Sales and marketing of third-party partner services.
• Auditing related to ad impressions, verifying ad positioning and quality, and ensuring compliance with industry standards.
• Ensuring security and integrity of our services by using your personal data in a manner that is reasonable and proportionate to these purposes.
• Debugging issues to identify and repair errors that impact functionality.
• Short-term, transient use, such as non-personalized advertising during your current interaction with us.
• Performing services such as account management, customer service, order fulfillment, payment processing, verification of customer details, providing financing, analytic services, and more.
• Conducting internal research for technological development and improvement.
• Verifying or maintaining the quality and safety of services or devices controlled or operated by us, and enhancing or upgrading these services or devices.
• Advancing our commercial interests, such as promoting our products or services and encouraging transactions.

We may disclose your personal information if required by law, such as to comply with a subpoena, warrant, court order, or other legal processes served on our website. Additionally, we may disclose your information when we believe it is necessary to protect our rights, safeguard your safety or the safety of others, investigate fraud, or respond to a government request. In certain cases, we may be obligated to disclose personal data in response to lawful requests from public authorities, including for national security or law enforcement purposes.

In the event of a business transition, such as a merger, acquisition, or the sale of all or part of our assets, your personally identifiable information may be transferred as part of that transaction. You will be notified via email and/or a prominent notice on our website regarding any changes in ownership or control of your personal information, along with any choices you may have regarding your data.

Choice/Opt-Out

Depending on your jurisdiction, you may have certain rights regarding the personal data we collect. These rights may include:

• The right to access the personal information we have collected about you, including the categories of personal data, the sources from which we obtained it, the purposes for which we collect, sell, or share this information (if applicable), the categories of third parties to whom we disclose it (if applicable), and the specific pieces of personal information we have collected.
• The right to request deletion of your personal information, with some exceptions.
• The right to correct any inaccurate personal information we hold about you.
• If we sell or share your personal data, you have the right to opt out of such sales or sharing.
• If we use or disclose sensitive personal information for purposes not permitted by applicable law, you have the right to limit that use or disclosure.
• The right to be free from discrimination for exercising your privacy rights.

If you wish to exercise any of these rights, please contact us, and we will be happy to assist you.

Correcting and Updating Your Personal Information

Upon request, we will provide you with details regarding the personal information we hold about you. If you would like to request corrections, deletion, or ask us not to sell or share your personal information, please contact us at [email protected].

We aim to respond to your request in a timely manner.

Data Retention

We will keep your information for as long as your account remains active or as needed to provide our services. Additionally, we will retain your information as necessary to fulfill our legal obligations, resolve disputes, and enforce our agreements.

Links to External Websites

Our website may contain links to other websites that have different privacy practices from ours. If you provide personal information to those sites, your data will be governed by their privacy policies. We encourage you to review the privacy policy of any website you visit to understand how your information will be handled.

Social Media Features

Our website may include social media features, such as the Facebook Like button and widgets like Share This or other interactive mini-programs that run on our site. These features may collect your IP address, track the pages you visit on our website, and set cookies to ensure proper functionality. Social media features and widgets may be hosted either by a third party or directly on our site. Your interactions with these features are governed by the privacy policy of the company providing them.

Security

Protecting your personal information is a priority for us. We adhere to widely accepted industry standards to secure the personal information you provide, both during transmission and once it is received.

We understand the importance of safeguarding the confidentiality of your personal data from loss, misuse, or unauthorized changes. To this end, we implement commercially reasonable administrative, technical, and physical security measures to protect your information from unauthorized access, use, or disclosure. However, please note that no data transmission over the internet or other network can be guaranteed to be 100% secure. Therefore, while we strive to protect your data, any information you transmit to us is done at your own risk.

Notice to Users Outside of the United States

This Privacy Policy is designed to address the collection of information from users residing in the United States. If you are accessing our Sites from outside the United States, please be aware that your personal data may be transferred to, stored, and processed in the United States, where our servers and central database are located. The data protection laws in the United States, as well as those in other countries, may not offer the same level of protection as those in your country of residence. By using our services, you acknowledge and consent to the transfer of your information to our facilities and to third parties with whom we may share it, as outlined in this notice.

Notification of Privacy Policy Changes

We may update this Privacy Policy periodically as our information practices evolve. When changes are made, we will update the “Last Updated” date at the top of this page. Any revisions to this policy will take effect once the updated version is posted on the Site. Your continued use of the Site after these changes signifies your acceptance of the updated Privacy Policy.

Contact Information

If you have any questions or concerns about this Privacy Policy, please don't hesitate to reach out. You may contact us by U.S. mail at:

Attn: Legal Department

Debt Free Day LLC

1199 W Shoreline Ln Boise, ID 83702 USA

Or by email at: [email protected]