We take our ethical responsibilities and your privacy seriously.
We have a strong commitment to providing excellent service to
all our customers and visitors of this Web Site, including respecting
your concerns about privacy. This Privacy Policy discloses how
we collect, protect, use and share information gathered about
you on our website. If you use this site you explicitly agree
to the terms and conditions of the Privacy Policy in effect at
the time of your use. We hope that this disclosure will help
increase your confidence in our website and enhance your experience
on the Internet. Therefore, in compliance with industry standards
and regulations enforced typically by the Federal and State Governments,
we abide the following privacy policy.
Browsing
This website does not collect personally identifiable information
from your computer when you browse this website and request pages
from our servers. This means that, unless you voluntarily and
knowingly provide us with personally identifiable information,
we will not know your name, your email address, or any other
personally identifiable information. We may use IP addresses,
browser types and access times to analyze trends, administer
the site, improve site performance and gather broad demographic
information for aggregate use. When you request a page from our
website, our servers log the information provided in the HTTP
request header including the IP number, the time of the request,
the URL of your request, and other information that is provided
in the HTTP header. We collect the HTTP request header information
in order to make our website function correctly and provide you
the functionality that you see on this website. We also use this
information to better understand how visitors use our website
and how we can better tune it, its contents and functionality
to meet your needs.
Information We Collect and Its Uses
We collect your personal information if you decide to purchase
one of our products or retain our services, participate in our
affiliate marketing program, subscribe to our newsletter, complete
an application form, participate in one of our surveys or transact
other business with us. We need to collect personally identifiable
information from you to execute the requested transaction, provide
you with a particular service, and/or to further enhance your
account. At anytime, we may ask you to voluntarily supply us
with additional information needed. We will ask you for information
such as, but not limited to: name, current and/or billing address,
your e-mail address, telephone number and, if you purchase one
of our products or services, a valid credit card number, your
Social Security number and certain other personal information,
such as your date of birth, address, employment information,
and certain credit card and loan account information. We may
use your email address to send a confirmation and, if necessary,
we might use the other information to contact you for help in
processing.
In addition, when you provide contact details for transaction
requests such as scheduling an appointment or requesting a proposal,
we will use the contact information to keep you updated about
future offers or promotions unless you opt-out online or otherwise
notify us.
We may also use the information we collect about you in order
to, but not limited to:
• learn more about your interest
in the products or services we offer and provide you with information;
• enroll
customers who desire our services
• open customer files
and establish their accounts
• provide customer service
• negotiate
settlement of our customers’ debts (according to the
terms and conditions of their written agreements)
• learn how
to improve our products or services
• provide opportunities
for our affiliates and other companies to inform you about
the products or services they offer that may interest you
• to
share aggregated statistical data with our business partners
or for public relations. For example, we may disclose that
a specific percentage of our users are between the ages of
25 and 35.
Aside from the ways mentioned above, we may use your personally
identifiable information in many other ways, including sending
you promotional materials, and sharing your information with
third parties so that these third parties can send you promotional
materials. (By "promotional materials," we mean communications
that directly promote the use of Web sites, or the purchase of
products or services.). However, you may "opt-out" of
certain uses of your personal information.
Disclosure of Information to Third Parties
We may disclose a consumer’s personally identifiable information
in order to effect or carry out any transaction that you have
requested of us or as necessary to complete our contractual obligations
with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR
PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR
SOLE DISCRETION. We prohibit the sale or transfer of personal
information to non-affiliated entities for their use without
giving you the opportunity to opt-out (See Opt-Out below). We
may share your personally identifiable information with affiliated
companies that are directly or indirectly controlled by, or under
common control of “company name” . We may send personally
identifiable information about you to non-affiliated companies
that are not directly or indirectly controlled by, or under common
control of, “company name” . The personal information
collected on this site and by third parties will be used to operate
the site and to provide the services or products or carry out
the transactions you have requested or authorized. We may change
or broaden the use of your personal information at any time.
We may use your personal information to provide promotional offers
to individuals by means of email advertising, telephone marketing,
direct mail marketing, banner advertising, and other possible
uses.
Choice/Opt-out
We provide you the opportunity to ‘opt-out’ of having
your personally identifiable information used for certain purposes,
when we ask for this information. For example, if you purchase
a product/service but do not wish to receive any additional marketing
material from us, you can indicate your preference on our order
form.
If you no longer wish to receive our newsletter and promotional
communications, you may opt-out of receiving them by following
the instructions included in each newsletter or communication
or by emailing or calling us per the information contained on
our contact page.
If you do not wish to have your personal information collected
by any third party that is not our agent/service provider, please
contact our customer service department to actively opt-out of
having your personal information shared. Customer Service Contact
Information:
National Debt Settlement
Email: cs@nationaldebtsettlement.com
Service Providers
We may use other third parties to provide certain clerical and
information processing and shipping services on our site. When
you sign up for our services, we will share only as much information
as is necessary for the provision of those services.
These third parties are prohibited from using your personally
identifiable information for any other purpose.
Securing the Transmission and Storage of Information
The security of your personal information is extremely important
to us. We employ generally accepted industry standards to protect
the personal information submitted to us, both during transmission
and once we receive it.
Our site uses SSL (Secure Sockets Layer) security technology
to encrypt information you provide to us through the site when
entering sensitive information (such as credit card number and/or
social security number) on our registration or order forms. This
ensures that your information is encrypted as it travels over
the Internet. SSL is an industry-standard protocol for encryption
over the internet.
After information reaches “company name” , it is
stored on a secure server that resides behind firewalls designed
to block unauthorized access from outside of “company name” .
You can help to maintain the security of your online transactions
by not sharing your personal information or password with anyone.
Remember, no method of transmission over the Internet, or method
of electronic storage, is 100% secure. (Example: any information
you provide us by email is not encrypted) Therefore, while we
strive to use commercially acceptable means to protect your personal
information, we cannot guarantee its absolute security.
If you have any questions about the security on our Web site,
please feel free to e-mail us.
Log Files
As is true of most Web sites, we gather certain information
automatically and store it in log files. This information includes
internet protocol (IP) addresses, browser type, internet service
provider (ISP), referring/exit pages, operating system, date/time
stamp, and click stream data.
We use this information, which does not identify individual
users, to analyze trends, to administer the site, to track users’ movements
around the site and to gather demographic information about our
user base as a whole. We do not link this automatically-collected
data to personally identifiable information.
Cookies
A cookie is a small text file that is stored on a user’s
computer for record-keeping purposes. We use cookies on this
site. We do not link the information we store in cookies to any
personally identifiable information you submit while on our site.
We use session ID cookies. We use session cookies to make it
easier for you to navigate our site. A session ID cookie expires
when you close you browser. We can at your option set a persistent
cookie to store your passwords, so you don’t have to enter
it more than once. Persistent cookies also enable us to track
and target the interests of our users to enhance the experience
on our site.
If you reject cookies, you may still use our site, but your
ability to use some areas of our site, such as contests or surveys,
will be limited.
Some of our business partners (e.g., advertisers) use cookies
on our site. We have no access to or control over these cookies.
This privacy statement covers the use of our cookies only and
does not cover the use of cookies by any advertisers.
Clear Gifs (Web Beacons/Web Bugs)
We employ a software technology called clear gifs (a.k.a. Web
Beacons/Web Bugs), that help us better manage content on our
site by informing us what content is effective. Clear gifs are
tiny graphics with a unique identifier, similar in function to
cookies, and are used to track the online movements of Web users.
In contrast to cookies, which are stored on a user’s computer
hard drive, clear gifs are embedded invisibly on Web pages and
are about the size of the period at the end of this sentence.
We do not tie the information gathered by clear gifs to our customers’ personally
identifiable information.
We use clear gifs in our HTML-based emails to let us know which
emails have been opened by recipients. This allows us to gauge
the effectiveness of certain communications and the effectiveness
of our marketing campaigns. If you would like to opt-out of these
emails, please see "Choice and Opt-out."
Links to Other Sites
This Web site may contain links to other sites such as our affiliates
as well as third parties which are not owned or controlled by
us. Please be aware that this privacy policy only addresses our
company’s use and disclosure of your information collected
on this site.
While we try to link only to sites that share our standards
and respect for privacy, we are not responsible for the privacy
practices of such other sites. We encourage you to be aware when
you leave our site and to read the applicable privacy policies
and terms of conditions of each and every Web site that collects
personally identifiable information.
This privacy statement applies only to information collected
by this Web site.
Co-branded Sites
We may be co-branded with "partners and affiliates".
These business to business relationships are helpful to us and
to you as they afford all concerned with greater product and
service opportunities. We always provide opt-out opportunities
regarding the sharing of your information with such partners
and affiliates. Please note the sites linked to our site are
governed by their own privacy policies which may or may not reach
the standards set by our company.
Access to Personally Identifiable Information
If your personally identifiable information changes, or if you
no longer desire our product or service, you may correct, update,
delete or deactivate same by emailing our Customer Support by
contacting us by telephone or postal mail at the contact information
listed below.
Customer Service
If you send us correspondence, including e-mails and faxes,
we may retain such information in your customer file. Information
you give us over the telephone may be noted for your file. We
may also keep copies of any correspondence sent to you. We retain
these records in order to provide the products and services you
have requested and to measure and improve our customer service.
We may, over time, delete these records as permitted by law.
Phone calls may be recorded or monitored for customer satisfaction
purposes.
Based upon the personally identifiable information you provide,
we may communicate with you to provide the services you request,
and to manage your account. We may communicate via email or telephone,
in accordance with your wishes.
Legal Disclaimer
We reserve the right to disclose your personally identifiable
information, as required, to comply with the law, applicable
regulations, governmental and quasi-governmental requests, judicial
proceedings, court orders or subpoenas, to enforce our Legal
Notices or other agreements, or to protect our rights, property
or safety or the rights, property or safety of our users or others
(e.g., to a consumer reporting agency for fraud protection etc.).
Supplementation of Information
In order to provide certain services to you, we may on occasion
supplement the personal information you submitted to us with
information from third party sources.
Business Transitions
In the event our company goes through a business transition,
such as a merger, acquisition by another company, or sale of
all or a portion of its assets, your personally identifiable
information will likely be among the assets transferred. You
will be notified via e-mail and/or a prominent notice on our
Web site for 30 days of any such change in ownership or control
of your personal information.
Changes to this Privacy Statement
We reserve the right to modify this privacy statement at any
time. We will not jeopardize your privacy. The provisions contained
in this privacy statement supersede all previous notices or policies
regarding our privacy practices with respect to this site. Any
and all changes will be made here, to this privacy statement.
We encourage you to check our site frequently to see the current
privacy statement to be informed of how we are committed to protecting
your information and providing you with improved content on our
website in order to enhance your online experience. Upon any
material changes to the policy statement, we will post those
changes to this privacy statement, the homepage, and other places
we deem appropriate so that you are aware of what information
we collect, how we use it, and under what circumstances, if any,
we disclose it.
Contact Us
If you have any questions, comments, complaints or suggestions
regarding our privacy policy or our website, please contact us
at:
National Debt Settlement
Email: cs@nationaldebtsettlement.com
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