CuraDebt Privacy Policy

CuraDebt.com takes your privacy seriously. We maintain the latest encryption technology to ensure the safety of your personal information, which we never pass on to third parties without your consent. Please read the following privacy policy to learn more about our position concerning your personal information and the measures we take to protect it.

Please note that calls may be recorded for training and quality assurance purposes.

Personal Information Usage

We collect the following personal information for:

Registration: Name, phone number, email address and other form information. CuraDebt.com offers a registration for newsletters and special offers, both internal and external. To ensure your privacy, this data is captured and managed in our data warehouse system and is accessed only by those thoroughly trained in the management and security of personal information. The information gathered is used so that you only receive offers of interest to you. If you do not wish to receive future emails from us, please let us know by sending an email to [email protected].

Customer Tracking: Cookies

Online Behavioural Advertising Disclosure

We use third-party advertising companies to serve ads when you visit our Website. These companies may use information about your visits to this and other Web sites in order to provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by these companies, please visit http://www.networkadvertising.org.

We collect non-personal information about our website traffic and usage patterns from technology such as Cookies and Web Beacons. Cookies are small text files that help us to personalize the content of our website. Web Beacons are electronic files used to track your navigation on a website or collection of sites, the completion of transactions, submittal of applications and browsing behavior.

We use cookies and other tracking technology to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, and keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are permitted to use the information collected on our behalf to help us conduct and improve our business.

If you prefer, you can choose to turn off all cookies via your browser settings. However,if you turn your cookies off, some of our services may not function properly.

Description of the Type of Online Data Collected and Opt-Out

A) Description of Data Collected: Non-Personally Identifiable Information: When you visit the site, we collect some basic information that does not identify individual users. This includes pages visited as well as location data, logs and other communication data, and information about your computer and internet connection, including your IP address, operating system and browser type.

Third party advertising companies may use non-personally identifiable information (e.g., click stream information, browser type, time and date, subject of advertisements clicked or scrolled over) during your visits to this and other Web sites. These companies typically use a cookie or third party web beacon to collect this information. These third party cookies do not collect personally identifiable information. For more information about cookies and how to opt out of third party data collection, please see Section B of this policy.

Personally Identifiable Information: If you purchase an item online from us or interact with our website by submitting feedback, joining a mailing list, or writing a product review (Note: supplement/ delete this list as applicable to the site), you provide us with information including:

• First and last name
• Email address
• Phone number

B) Offline/Online Data Use/Transfer and Opt-Out: We may share your non-personal information to deliver tailored advertising to you that match your interests when you visit our website as well as other websites.

You may opt-out of the use of your information. To learn more about the use of this information or to choose not to have this information used by our third-party advertising partner by opting out, please visit the Network Advertising Initiative by clicking here.

If you delete your Cookies, use a different browser, or buy a new computer, you will need to renew your opt-out choice.

Co-Hosted Forms: email address, address, first and last name, phone number, current utility information (account number, provider, meter number), credit card and/or direct debit bank account routing number, social security number. This information is used to switch your service, pay for your service, and contact you if need be. These forms are SSL-encrypted, and are monitored by Comodo for your security.

Site Tools: We gather information from our online calculators, lookup tools, etc., to analyze the effectiveness of our site, product offerings, and marketing. None of this information is sold or shared with 3rd parties except in aggregate, such as broad demographics, key product interest, etc.

Survey: We occasionally ask our users to participate in surveys to help us better determine ways of meeting your needs. This information will only be used for the purpose of the survey, and will not be sold to others or used to market in any way.

Affiliate Program: email address, address, phone number, URL, first and last name, company name, social security number, business tax classification and site information. This information is used to investigate affiliate opportunities, pay affiliates, and keep affiliates informed of important changes.

*(In all cases where we collect a zip code, it is used for demographic analysis.)

Third Party Links

When you sign-up for services on sites to which CuraDebt.com provides links, keep in mind you will be interacting with a third party that operates under its own privacy and security policies.

Framed Pages

In some instances, the CuraDebt.com name and logo may appear on third party sites hosted by our partners. These partners will be collecting the information you provide during the sign-up process (this information will later be shared with CuraDebt.com for tracking and customer service purposes). Please review our partners’ privacy policies for more information.

Sharing

Your complete information that you submit in the lead form is private to CuraDebt Systems, LLC. CuraDebt may use an email, SMS, or other service in order to communicate with you and help you with your request for a free debt consultation. Each message has an opt out method you can quickly and easily use.

CuraDebt may also share your information with a trusted advertising agency or use internally solely for the purpose of creating a lookalike audience and/or retargeting list (to keep marketing costs lower so that we can offer more competitive services to you) in Facebook, Google Adwords or other reputable ad services so that we can better assist more people with their debt challenges. If you wish to prevent the transfer of your information to such companies, please let us know by sending an e-mail to [email protected].

Accessing, Reviewing & Updating Your Information and Opting Out

When registering, you must specifically “opt-in” to have your information shared with third parties. Therefore, you can complete a transaction on CuraDebt.com without receiving follow-up marketing materials.

If you no longer wish to receive our newsletter or promotional offers, you may “opt-out” of receiving these communications by clicking on the unsubscribe link in the email or by forwarding it in its entirety to [email protected].

Third Party Ad Servers

We do not partner or have special relationships with any ad server companies.

Tracking Policy

CuraDebt.com does not monitor “do not track” signals or similar mechanisms.

Notification of Changes

If there is a change to our information usage practices that affect your personally identifiable information, we will notify you by email of the relevant changes. We will also post policy changes to CuraDebt.com so that you can choose to opt out of these new uses.

Security

CuraDebt.com uses SSL-encryption technologies when transferring and receiving consumer data on the site. We have partnered with Comodo to protect against the loss, misuse or alteration of information that we have collected from you.

Only employees who need the information to perform a specific job (for example, our billing clerk or a customer service representative) are granted access to personally identifiable information. All employees are kept up-to-date on our security and privacy practices. Every quarter, as well as any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers’ information is protected. Finally, the servers that we store personally identifiable information on are kept in a secure environment.

Email Links

CuraDebt.com uses email links located on the “contact us” page to allow you to contact us directly with any questions or comments you may have. We read every message and try to reply promptly to every one. This information is used to respond directly to your questions or comments. We may also file your comments to improve the site and program, or review and discard the information. Your personal information is only shared with third parties only with your explicit permission.

Legal Disclaimer

We may disclose personal information when required by law or in the good-faith belief that such action is necessary in order to conform to the edicts of the law or comply with a legal process served on CuraDebt.com.

Notice to California Residents

In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with non-affiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us. Please click here to visit CuraDebt’s California Privacy Notice to learn more about your California Privacy Rights.

Notice to Virginia Residents

If you reside in Virginia, this section delineates your privacy rights under the Virginia Consumer Data Protection Act (“VCDPA”).

Subject to certain limitations, the VCDPA grants you the following rights:

Access to your personal data.

Correction of inaccuracies.

Deletion of personal data.

Data portability.

To exercise these rights, visit our privacy rights form, opt-out form, or update your cookie preferences. For assistance, email [email protected].

Notice to Nevada Residents

Under Nevada law (SB 220), residents have the choice to opt out of the sale of specific personal information. If you’re a Nevada resident seeking information on compliance with Nevada law or wish to opt out of the sale of your personal information, reach out to us at [email protected].

Contact Us

If you have any privacy questions, or feel CuraDebt.com is not following its stated information policy, you may contact us at: [email protected].