Privacy Policy

Our Collection and Use of Personal Information

Personal Information is information you provide us that can be used to uniquely identify or contact a single person, such as your name, email address, phone number, mailing address, and tax identification number.

You may be asked to provide Personal Information when you interact with Debt Free 4 Free, our Online Ads, or one of our related companies, such as in connection with a completed or abandoned transaction or a request for information from us. Debt Free 4 Free and its related companies may share your Personal Information with each other and use it consistent with this Privacy Policy.

Debt Free 4 Free may supplement the Personal Information you provide with Personal Information available from other sources, such as public databases, data aggregators, and other commercially available sources.

Examples of Personal Information We Collect and How We Use It

You may provide Debt Free 4 Free with a variety of Personal Information, including your name, mailing address, email address, phone number, payment information, and tax identification number.

The Personal Information we collect allows us to deliver requested products, services, and information to you, to stay in contact with you, and to manage Debt Free 4 Free's relationship with you. By providing Debt Free 4 Free with Personal Information, you consent to our transfer and storage of that information.

Debt Free 4 Free also may use your Personal Information for research, development, and analysis, and for advertising, marketing, product and service offerings, security, fraud prevention, and other business activities.

Our Collection and Use of Non-Personal Information

Non-Personal Information is information in a form that does not allow for direct association with a specific person. This information is compiled and analyzed on both a personal and an aggregated basis. We may collect, use, monitor, analyze, transfer, and disclose Non-Personal Information for any purpose.

Examples of Non-Personal Information We Collect and How We Use It

We may collect and aggregate information regarding user access, activity, and behavior on our website, such as when you visit the website and what content is of interest or seems most useful to you. If we combine Non-Personal Information with Personal Information, the combined information is treated as Personal Information for purposes of this Privacy Policy.

Non-Personal Information includes:

• Device Information — We may collect specific information about the device you use to access our website. For example, we may collect device model, IP address, MAC address, operating system version, application software, fonts, and other device information and identifiers.
• Cookies and Other Technologies — We use a variety of technologies to collect and store information when you visit our website. This may involve sending web beacons, cookies, or anonymous identifiers to your device. We use Cookies and Other Technologies to analyze your behavior when accessing our website and to deliver ads to you that relate to your interests.
• Log Information — When you visit our website, we collect certain information automatically and store it in log files. This information includes IP address, browser version, ISP data, referring and exit pages, operating system version, date / time stamps, cookie data, and clickstream data. We use Log Information to administer the website, analyze trends, maintain site security, learn about user behavior, and improve the overall quality and availability of the site.
• Click-Through URLs — In some email messages, we 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 help us determine interest in a particular topic and to measure the effectiveness of our email communications.
• Anonymized Information — If we separate Non-Personal Information from Personal Information, the separated information is treated as Non-Personal Information for purposes of this Privacy Policy.

Our Sharing of Information with Others

Personal Information

We do not share Personal Information with businesses or individuals outside of Debt Free 4 Free, except under the following circumstances:

• Consent — We will share your Personal Information with others outside of Debt Free 4 Free when we have your consent to do so.
• Service Providers — We provide Personal Information 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. For example, we may use others 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, with our security measures, and to provide us technical support;
  • provide customer support;
  • manage customer data and ensure data integrity and accuracy;
  • process financial transactions and perform accounting functions;
  • advertise, market, or make product or service offerings.
• Legal Reasons — We will share Personal Information with others outside of Debt Free 4 Free if we have a good-faith belief that disclosure is necessary or appropriate to:
  • comply with applicable law, regulation, legal process, or enforceable governmental request;
  • protect our operations or customers;
  • detect, investigate, or address fraud, security, or technical problems;
  • investigate potential violations of and enforce applicable terms of service.

In the event of a reorganization, merger, or sale, we may transfer any and all Personal Information we collect to the relevant third party.

Non-Personal Information

We may share Non-Personal Information publicly and with our strategic partners. For example, we may share Non-Personal Information to describe the size and success of our company.

Transparency and Choice

Debt Free 4 Free may use third-party display advertising companies, including Google, to serve our ads on our behalf on sites across the Internet. Debt Free 4 Free and its display advertisers use cookies to inform, optimize, and serve ads based on your past visits to our website.

You may find additional information, opt out of, or otherwise customize display advertising from Google or DoubleClick by visiting Google's Ads Settings.

You may find additional information and opt out of other participating third-party display advertising by visiting the Network Advertising Initiative opt-out page.

Debt Free 4 Free may use third-party analytics companies, including Google Analytics, to analyze and understand user behavior when visiting our website.

You may find additional information and opt out of Google Analytics by visiting the Google Analytics opt-out browser add-on.

You also may want to consider disabling cookies within your browser. Please note, however, that certain features of the Debt Free 4 Free website may not function properly or be available once cookies are disabled.

Social Media Plug-ins

Plug-ins for social networks (such as Facebook, X/Twitter, LinkedIn, and others) may be integrated on Debt Free 4 Free's website.

By interacting with us through a social media plug-in, certain information will be transmitted to the related social network, and you permit us to have ongoing access to information from your social network profile.

If you do not want the social network to collect information about you, or to share it with Debt Free 4 Free and other third parties, please review the privacy policy of the relevant social network and/or log out of the relevant social network before you visit our site.

Information Security and Retention

Debt Free 4 Free takes precautions to safeguard your Personal Information from loss, theft, and misuse, as well as unauthorized access, disclosure, alteration, and destruction. These precautions include technical, physical, and managerial procedures.

Because email and instant messaging are not recognized as secure communications, we request that you not send private information to us by email or instant messaging services.

We regularly review our compliance with this Privacy Policy and enforce safeguards within the company.

We are committed to working with appropriate regulatory authorities to resolve any complaints regarding the transfer of Personal Information that we cannot resolve with our customers directly.

Debt Free 4 Free uses Secure Sockets Layer (SSL) encryption on pages where Personal Information is collected. This protects the confidentiality of your Personal Information while it is transmitted over the Internet.

For your own protection, you should exercise care with the information you share over the Internet. You should always use a secure browser and exercise good judgment in using passwords, such as using a combination of upper and lower case letters, numbers, and special characters, and you should avoid using the same or similar passwords across multiple sites.

We make good-faith efforts to give you ways to update or delete your Personal Information quickly, unless we need to keep that information for a legitimate business or legal purpose.

Debt Free 4 Free retains Personal Information and Non-Personal Information for the time necessary and reasonable to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

We may reject requests to change or delete information that are unreasonably repetitive, require disproportionate technical effort (for example, requiring the development of new systems or fundamental changes to existing systems), risk the privacy of others, or would be extremely impractical (such as information stored on backups).

We work to protect data from accidental or malicious destruction. Accordingly, we may not immediately delete or change residual copies and we may not delete or change information from our backup systems. Unless a disproportionate effort is required, we will provide information access and correction without charge.

Third-Party Privacy Policies

This Privacy Policy only addresses the use and disclosure of information we collect from you. This policy does not apply to the practices of companies that Debt Free 4 Free does not own or control, or to people that Debt Free 4 Free does not employ or manage. Debt Free 4 Free does not control the privacy policies of third parties, and you are subject to the privacy policies of those third parties where applicable. We encourage you to ask questions before you disclose your personal information to others. For more information about each such third party, please refer to that third party's privacy policy.

If you provided your information on the website of an entity not related to Debt Free 4 Free, and that entity shared your information with us, the privacy policy of that website governs the non-related entity's use of your information, which may be different from this policy.

Children

We do not knowingly collect Personal Information from children under 13. If we learn that we have collected the personal information of a child under 13, we will take steps to delete the Personal Information as soon as possible.

Privacy Policy Changes

Debt Free 4 Free may update this Privacy Policy from time to time. Changes to this Privacy Policy will be posted on our website with a corresponding revision date. Please check the website and Online Ads each time you use them for the most current information and to ensure that you are aware of any updates.

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