California Privacy Notice

Categories of Personal Information Collected

In the preceding twelve (12) months, we may have collected the following categories:

• Identifiers: name, email address, phone number, postal address.
• Protected classification characteristics: date of birth (to verify eligibility).
• Commercial information: the amount and type of unsecured debt you report.
• Professional or employment-related information: employment status.
• Internet or other electronic network activity information: pages visited, referring website, IP address, device information.
• Inferences: derived from the above to evaluate whether debt settlement options may be appropriate.

Purposes of Use

We use the personal information we collect to:

• Respond to your inquiry and evaluate potential debt settlement options.
• Connect you with third-party debt relief providers or marketing partners.
• Contact you by phone, text, or email about your inquiry, with your consent.
• Operate, secure, and improve the Site.
• Comply with legal obligations and protect against fraudulent or unlawful activity.

Disclosure of Personal Information

We may disclose your personal information with third-party debt relief providers, marketing partners, and service providers for the business purposes described above. Depending on how you interact with the Site, information may also be shared for cross-context behavioral advertising purposes, which the CCPA treats as "sharing." California residents may opt out of such sharing at any time using the link below.

Your California Rights

Subject to certain limits under the CCPA, California residents have the right to:

• Know: the categories and specific pieces of personal information we collect, use, disclose, and share.
• Delete: request deletion of personal information we hold about you.
• Correct: request correction of inaccurate personal information.
• Opt out: opt out of the sale or sharing of personal information.
• Limit: limit the use and disclosure of sensitive personal information.
• Non-discrimination: exercise these rights without being discriminated against.

Opt Out of Sale or Sharing

To opt out of the sale or sharing of your personal information, visit our Do Not Sell or Share My Personal Information page or contact us using the details below. Authorized agents may submit requests on your behalf with written permission or a valid power of attorney.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights, including by denying services, charging different prices, or providing a different level or quality of services.

Retention

We retain personal information for as long as reasonably necessary to fulfill the purposes described in this Notice and our Privacy Policy, comply with legal obligations, resolve disputes, and enforce our agreements.

How to Exercise Your Rights

To exercise your rights or ask questions about this Notice, contact us. We will verify your request using the information you provide and may request additional information to confirm your identity.