Debt Free League Privacy Policy
Last update: October 17, 2014
Debt Free League (also referred to below as “we”; “us”; “our”) respects your privacy and security. Please read our Privacy Policy carefully to understand
how we gather, use, disclose, transfer, and store your information. When you visit our website, you agree to the current version of this Privacy Policy. We
reserve the right to change this Privacy Policy as deemed necessary to remain current and up-to-date with changes to our website, technology changes, our
business activities, and relevant laws and regulations. We will inform you of any changes, as required by law. For updated Privacy Policy information,
visit our website www.debtfreeleague.com. If you have questions regarding your rights under our Privacy Policy, please email us at service@debtfreeleague.com or by mail:
Debt Free League
25185 Madison Ave
Suite A
Murrieta, CA 92562
What This Privacy Policy Covers
This Privacy Policy covers what we do with personal information you submit or authorize us to obtain, any information that we may gather when you access
any of our websites, and any of your personal and other information that any of our business partners may share with us.
Our Collection of Personal Information
We collect personal information that you provide to us or authorize us to obtain that personally identifies you, such as your name, address, email address
and telephone numbers. Demographic information such as your gender, age, or zip code, is generally not considered personal information. You may be asked to
provide personal information when you interact with Debt Free League or our website. We and our related companies may share your personal information with
each other and use it consistent with this Privacy Policy. We may supplement the personal information you provide with
personal information available from public sources, public databases, data aggregators, and other commercially available sources.
How We Use Personal Information
We use the personal information you supply to us, or that you authorize us to obtain from our business partners to provide you the products or services you
request, to communicate with you in order to service your account, and to keep you informed about products or services that may interest you. We may also
use your personal information for research, development, advertising and marketing analysis, product and service offerings that may be of interest to you,
security, fraud prevention, and other business activities. We may occasionally receive medical or health information, such as a medical debt or medical
collection account. We do not share medical or health information whether received from customers, our business partners or any third party, except to
maintain your account, process transactions or service customer requests to the extent permitted by law.
How We Collect and Maintain Personal and Other Information
We collect and maintain the information you provide to us or our business partners, such as forms or applications requesting a product or service or that
may include your name, address, birth date, telephone number, social security number, income, and creditor accounts. Depending upon the product or service
you request, we may also request from you additional information, such as financial information, income, expense and budget information, the names of your
creditors and types and amounts of your current debts and financial obligations, information we receive about your transactions with us, our business
partners, or affiliates, such as your account balance, payment history and revolving account usage, information we receive from a third party, such as a
credit bureau, about your credit history or employment status, information, such as your e-mail address, that you provide to us when you register to
receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.
Besides the information we collect from you, we may receive information about you from other sources, including but not limited to requesting and
obtaining your credit report and credit score from a credit bureau as authorized by you.
Our Collection and Use of Non-Personal Information
We also collect non-personal information, which is information that is not and cannot be directly associated with you, such as your zip code. We may
collect, use, monitor, analyze, transfer, and disclose non-personal information for any purpose. We may use various technologies to collect and store
information to analyze your behavior when you visit our website and to deliver ads to you that may relate to your interests, which may involve sending web
beacons and cookies or anonymous identifiers to your device. We may share non-personal Information publicly and with our business partners. Non-personal
information includes:
Cookies
- Cookies are small files that are placed automatically on your computer system when you visit a website. Cookies enable a website to recognize you as a
return visitor and, by keeping track of your website activity, help us identify which pages to serve to you while reducing the time it takes for those
pages to load. Cookies enable us to personalize and enrich your experience and are not tied in any way to your personal information. If you do not wish to
accept cookies or if you wish to remove cookies that remain in your browser following the close of your browser session, you may adjust the settings on
your web browser to prevent cookies from being placed on your hard drive. Review the help section on your web browser to learn how to modify the cookie
settings.
Web Beacons
– Web beacons are small files like cookies that enable an ad server to recognize a visitor's cookie when the visitor returns to a particular site and are
not tied to any personal information. Web beacons may be used in email ads to help track which email messages have been opened and the movement of visitors
to our website.
Log Information
- When you visit our website, we may automatically collect log information and store it in log files, such as IP address, browser version, ISP data,
referring/exit pages, OS version, date and time stamps or cookie data. We may use log information to administer and secure our website, analyze trends,
learn about user behavior, and improve the use of the website.
Click-Through URLs
– Our email messages may use a click-through URL to link to content on our website. When you click one of these URLs, you pass through a separate web
server before reaching our site. We use click-through URLs to determine interest in a particular topic and measure effectiveness of our email
communications.
Device Information
- We may collect specific information for the device or smart phone you use to access our website, such as device model, IP or MAC address, OS version,
application software, fonts, and other device information and identifiers.
Social Media Plug-ins
–
Plug-ins for social networks, such as Facebook, are integrated on our website. Any information regarding interaction with us through a social media plug-in
will be transmitted to the related social network. You authorize us to have on-going access to information from your social network profile. If you do not
want a social network to collect or share information about you with us and other third parties, please review the privacy policy of the actual social
network or log out of the social network before visiting our website.
Other Technologies
– Our website may collect non-personal information and technical data from each visitor, such as text links and banners, which track the time of your
visit, your Internet Protocol address and other path-related information. We may also store and the page requests you make on our website and use the
non-personal information for statistical and analytic purposes, such as understanding which page views or products or services are most appealing to our
website visitors.
Sharing Information with Others
We do not share personal information with other parties except, when we have your consent to do so, to related companies and other trusted businesses or
persons who use, analyze, or process it on our behalf, based on our instructions and in compliance with appropriate confidentiality and security measures.
We share this information for the following purposes: to deliver, evaluate the effectiveness of, and assist in improving our products and services, conduct
consumer research and satisfaction surveys, assist us in analyzing and understanding consumers and how to reach them more effectively, assist us in fraud
prevention and technical support with our security measures, provide customer support, manage customer data, and to ensure data integrity and accuracy,
process financial transactions and perform accounting functions, conduct customer research or satisfaction surveys, for call-center marketing purposes. We
may also share your information with law enforcement and government agencies regarding subpoenas, court orders or other legal requirements and if we have a
good-faith belief that disclosure is necessary or appropriate to comply with an applicable law, regulation, legal process or enforceable governmental
request, protect our operations or customers, detect, investigate, or address fraud, security, or technical problems or investigate potential violations of
and enforce applicable terms of service. You consent to be contacted by us or our business partners through any means, based on the information you provide
to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not
Call List of any specific institution. If, after you are contacted by that product or service provider, you do not wish to be contacted by them again, you
must make a specific request to the product or service provider. In the event of a reorganization, merger, or sale we may transfer any and all personal
information we collect to the relevant third-party. Any third-party with whom we share your personal information is also required to comply with federal
and state privacy regulations and will have its own Privacy Policy that should be made available to you at the time you are first contacted. If we are
merge or are acquired by another company, the successor company will have access to all of the information collected and maintained by us and may be bound
by the terms and conditions of this Privacy Policy.
How We Safeguard Information We Collect
We take precaution to safeguard your personal information from loss, theft, misuse, unauthorized access, disclosure, alternation, and destruction. Our
precautions involve physical and technical security measures to protect all personal information in our possession. Under our Privacy Policy, we retain
personal and non-personal information as legally necessary and reasonable. We retain your personal information for a reasonable time after termination of
our customer relationship with you generally, not less than one (1) year from the date we first collect it. Federal or state law may require us to retain
your personal information for different periods of time. We may retain non-personal information indefinitely. We are dedicated to work diligently with law
enforcement and regulatory authorities to resolve any complaints regarding the transfer of personal information that we cannot resolve with our customers
directly. Since email and instant messaging are not secure communications, we request that you avoid sending us private information by email or instant
messaging services. We also recommend that you take great caution with the information you share over the Internet; always use a secure browser and protect
passwords using a combination of upper and lower case letters, numbers and special characters, and avoid using the same or similar passwords on other
websites.
Correction and Limitation of
Personal Information
If you submitted to us any information with a factual error, please communicate wit us to inform us of the error. To protect your privacy and security we
may require that you verify your identity before we make any requested changes to personal information. You may limit how we share your information. You
may choose to stop our phone, U.S. mail or electronic solicitations to you by "opting-out".
Personal Information Communication Policy
We do not spam and you will not receive unsolicited electronic marketing communication from us unless you submit your telephone number(s) or email address
to us or register on our website to receive communications, such as a phone consultation, quote or newsletter. You may request for us not to solicit you at
your postal mailing address, telephone number(s) or email address. If you request not to receive marketing offers by U.S. postal mail, telephone or email,
we may continue communicating with you as necessary to service your account and for other non-marketing related purposes. We may also continue to provide
marketing information in our regular account servicing notices to you via U.S. mail, telephone, or other electronic communication. This Privacy Policy
explains our Do Not Call policy with consumers regarding personal information under the Telephone Consumer Protection Act (TCPA) and state law. When you
talk with us by telephone, we may monitor or record your conversation. We maintain an internal Do Not Call preference list. Do Not Call requests will be
honored within 30 days and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or
cellular phone numbers that appear on the Do Not Call list.
Testimonials
If you give us a testimonial, we will ask for your permission to publish the testimonial prior to any public use. We will post your name as shown on the
testimonial and may post a photo of you. Note: any personally identifiable information on your testimonial is accessible by the general public and we are
not responsible for any personally identifiable information you choose to include in your testimonial. You may mail or email us a request to remove your
testimonial at any time.
Third Party Privacy Policy
This Privacy Policy only informs you about the use and disclosure of information we collect from you. We do not control the privacy policy of any third
party. The privacy policy from any third party may differ from ours and we recommend that you refer to any third party’s privacy policy before you decide
to disclose your personal information.
Children's Privacy
We do not knowingly collect, use or share personal information about visitors under 18 years of age. If we learn that we collected personal information
from any website visitor, who is under 18 years of age, we will take appropriate steps to delete the personal information as soon as possible.
Other Notifications
Credit Repair Disclosure: Credit repair services in states other than California are provided by a 501(c)(3) Charitable Nonprofit Organization exempt under
the Credit Repair Organization Act (15 U.S.C. “1679, et seq.).
Privacy Policy Changes
We may update our Privacy Policy at any time. Changes to this Privacy Policy will be posted on our website with a “Last Update” revision date. If you have
any questions about this Privacy Policy, please contact us at info@debtfreeleague.com.
Copyright © 2014 Debt Free League. All Rights Reserved.
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