Privacy Policy
At DebtHero.com we take our ethical responsibilities and your privacy seriously
by recognizing that your privacy is important. 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 personal information, the types of personal information we
receive and collect, our use of current and former consumer information, as well
as the steps that we take to safeguard your information. If you use this site
you explicitly agree to the terms and conditions of the DebtHero.com Privacy
Policy in effect at the time of your use. If you do not agree to this policy,
please do not use the DebtHero.com site. 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.
Information Collection and Use
This Privacy Policy applies to consumers that have signed up ("Consumers") on
this website ("Web Site"), and other DebtHero.com owned web sites. In addition,
DebtHero.com owns several other domain names that point to this site, and we
will from time to time add new sites that may or may not be listed in this
Privacy Policy. Please note that this pledge applies only to sites maintained by
DebtHero.com and not to web sites maintained by other companies or organizations
to which we link. In addition, this policy applies only to information collected
by DebtHero.com online, not offline. We may share the personal information that
you supply to us with other third party businesses to bring selected retail
opportunities to our Consumers via direct mail, email and telemarketing. These
third party businesses may include providers of direct marketing services and
applications, including lookup and reference, data enhancement, suppression and
validation and email marketing. You can browse the DebtHero.com web site at
anytime without revealing any personal information about yourself. There are,
however, several areas on our web site where we collect personal information
from you on a voluntary basis. Personal information is information about you
that is personally identifiable, such as your name, address, email address, or
phone number that is not otherwise publicly available ("Consumer PII" or "PII").
This information helps us serve you better by enabling us:
(1) to process and fulfill your requests for products and services
(2) to solicit your opinions and other feedback
(3) to conduct research
(4) to customize the advertising and content you see
(5) to provide anonymous reporting for internal and external clients
We may collect personal information at the following times:
(1) when you register to receive communications from this website and other
DebtHero.com owned web sites.
(2) when you seek information or apply for products and services offered through
this website and other DebtHero.com owned web sites
(3) when you enter promotions or sweepstakes offered by this website and other
DebtHero.com owned web sites.
(4) when you provide personal information to us through feedback, survey, or
other forms hosted on this site and other DebtHero.com's owned websites
(5) when you apply for a job with DebtHero.com
In addition, we may receive information about you from other sources, such as
service providers and unaffiliated third party marketing companies, for tracking
purposes. We may add the information we receive about you to your existing
account. Like other web sites, we also automatically receive and record certain
types of information every time you visit us. We use "cookies" and the other
information to enhance your experience and present you with personalized offers.
Likewise, we use third-party advertising companies to distribute and track
advertisements appearing on our web site. These companies may employ cookies and
action tags to measure advertising effectiveness.
Legal Protection
We reserve the right to disclose your Consumer PII, as required, to comply with
the law, applicable regulations, governmental and quasi-governmental requests,
judicial proceedings, court orders, or legal process, and will establish or
exercise our legal rights and defend against legal claims at our discretion. We
will share, without notice to you, all information we possess in response to
court orders, subpoenas and to comply with government investigations. At our
discretion we will share information in order to investigate, prevent, or take
action regarding illegal activities, suspected fraud, situations involving
potential threats to the physical safety of any person, violations of
DebtHero.com's Terms of Service, or as otherwise required by law.
Use and Sharing of Your Personally Identifiable Information
DebtHero.com RESERVES THE RIGHT TO, AND WILL, SELL OR TRANSFER YOUR PERSONAL
INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN ITS SOLE DISCRETION. This
includes sharing Consumer PII with DebtHero.com partners, sponsors, advertisers,
service providers and marketers lookup and reference services and any other
entities that DebtHero.com believes are able to provide Consumers with special
offers and opportunities. DebtHero.com prohibits the sale or transfer of
Consumer PII to non-affiliated entities for their use without giving you the
opportunity to opt-out. Although DebtHero.com advises everyone who receives
Consumer PII from DebtHero.com to support this Privacy Policy, DebtHero.com has
no control over such party’s information handling practices and is not
responsible for any failure of such party to adhere to this Privacy Policy.
Additionally, DebtHero.com may share Consumer PII in aggregate, non-personal
form, with select companies that wish to reach a particular Consumer target
audience (e.g., female Consumers between the ages of 25-35, who have an average
household income of over $50,000.00). This information will allow these entities
to provide relevant offers to specific Consumers. Finally, DebtHero.com may
disclose Consumer PII in order to: (1) comply with applicable laws; (2) respond
to governmental inquiries; (3) comply with valid legal process; and (4) protect
the rights or property of DebtHero.com, the Network Sites or other Consumers of
this Site. By registering and using this Web Site, Consumers acknowledge that
the processing of their Consumer PII for the purposes described above may
involve the transfer of such PII from within the European Economic Area ("EEA")
to countries outside the EEA whose data protection regulation may not be as
stringent as that within the European Union. When you request quotes or request
to be contacted through DebtHero.com or our other sites that we operate, you are
authorizing us to share information with our business partners who will contact
you by phone, email, or mail. We may also contact you through any of the above
means. If you do not want further communication from them or us, please notify
the person or entity that contacts you directly. We reserve the right to make
changes in this policy at any time.
Business Transfer
As with any other business, it is possible that DebtHero.com in the future could
merge with or be acquired by another company. If such an acquisition occurs, the
successor company will have access to the information maintained by
DebtHero.com, including customer account information. Any successor company will
continue to be bound by this Privacy Policy.
Minors
You must be at least 18 years old to use this web site. We do not knowingly
collect, use, or disclose personal information about visitors under 18 years of
age. If you are under 18 years of age, you may not use the services offered on
our web site unless they are used with the consent, permission and supervision
of your parents or guardians.
Cookies and IP Addresses
To serve you more efficiently and effectively, we use "cookies" technology. A
cookie is a piece of data stored on the user’s hard drive that contains
information about the user. Cookies are not way linked to Consumer PII. Once the
user closes their browser, a cookie typically terminates. Cookies enable a web
site to "personalize" itself for each user and reduce the time it takes for
pages to load on your computer. In order to optimize your experience, cookies
also help with the collection of customer tracking data. We may also capture
customer tracking data on some of our partner's web sites, related to activity
involved with the completion of offers listed on our web site. This information
is used to monitor the performance of our partners. If you reject cookies, you
may still use our site, but your ability to use some areas of our site will be
limited. We also keep track of Internet Protocol (IP) addresses and may disclose
your IP address during the course and scope of our business. An IP Address is a
number that is used by computers on the network to identify your computer every
time you log on to the Internet. Some of our non-affiliated business partners
(e.g., advertisers) use cookies on our site. We have no access to or control
over these cookies. This Privacy Policy covers the use of our cookies only and
does not cover the use of cookies by any advertisers.
Clear Gifs
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 movement of Web users.
Clear gifs are not tied to users' personal information. We also use clear gifs
in our HTML-based emails to let us know which emails the recipients have opened.
This allows us to gauge the effectiveness of certain communications and the
effectiveness of our marketing campaigns. If users would like to opt-out of
these emails, please see the Opt-out section within any email you receive from
us or by clicking Unsubscribe above.
Opting-Out
We offer you choices when we ask for personal information, whenever reasonably
possible. We provide you the opportunity to "opt-out" of having your personally
identifiable information used for certain purposes, when we ask for this
information. You may decline to provide personal information to us and/or refuse
cookies in your browser, although some of our features or services may not
function properly as a result. If you no longer wish to receive 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. You may continue
to receive email communications from us up to ten business days from the time we
receive your unsubscribe request. Please note that DebtHero.com can only control
its own mailing list and policies. Third party advertisers that maintain their
own mailing lists may send communications that advertise our services, and you
may need to contact these parties directly in order to stop receiving their
communications. Although DebtHero.com only supports permission-based emails,
DebtHero.com does not obligate itself to restrict third parties advertising
DebtHero.com beyond that which is required by applicable law.
Advertisements & Pop Up Windows
On occasion, you may receive advertisements for DebtHero.com from third parties.
These advertisements are served by the third party web site that you have
visited or directly from this website and other sites owned and operated by
DebtHero.com. In addition, such advertisements may be placed by third party ad
servers or ad networks. We maintain relationships with a number of the third
party ad networks currently operating. You may find more information at the web
site of either the individual ad network or the Network Advertising Initiative.
Your relationships, transactions and any opt-out requests are governed by the
specific policies the third parties have, and not those of DebtHero.com.
Third Party Links
This Privacy Policy applies to all information that you provide to DebtHero.com,
Inc. However, when you visit web sites to which DebtHero.com provides a link,
keep in mind you will be interacting with a third party that operates under its
own privacy and security policies, and terms of use. If you choose to obtain
certain services through a third party site, the data collected by the third
party is governed by that third party's privacy policy. A third party site will
also have its own policy regarding the use of cookies and clear gifs. We
encourage you to review the privacy policies and terms of use of any other
service provider from whom you request services. If DebtHero.com receives
personal information from a third party unrelated to any service offered on our
site, the use and disclosure of such information is governed by the agreement
(if any) between DebtHero.com and such third party.
Framing
In some cases, we may require the use third party vendors, outside companies, to
operate portions of the DebtHero.com web site and/or to provide certain services
including clerical, information processing and shipping services. Although the
particular section of the web site may have a similar appearance as the
DebtHero.com site, information submitted through these outside third parties are
subject to this Privacy Policy unless otherwise stated. When you sign up for our
services, we will share only as much information as is necessary for the
provision of those services. We require that all third parties, hired by
DebtHero.com, comply with our Privacy Policy in order to keep your information
safe and secure. These third parties are prohibited from using or sharing your
personally identifiable information for any purpose other than the job they were
hired to do.
Updating Your Information
If you want to access or update the personal information you submitted to
DebtHero.com please e-mail us at
admin@DebtHero.com or write
us at the following address.
DebtHero.com
Attn: Customer Care
9660 Falls of Neuse, S-108, #221
Raleigh, NC 27615
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Policy, you
may contact us:
1) By sending an email to:
admin@DebtHero.com
2) By sending a letter to:
DebtHero.com
Attn: Customer Care
9660 Falls of Neuse, S-108, #221
Raleigh, NC 27615
Changes to this Privacy Policy
DebtHero.com reserves the right to update or modify this privacy statement at
any time and without notice. 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. If you do not agree with the
changes to how your information will be used, please do not continue to use this
web site
We encourage you to check our site frequently to see the current privacy
statement and 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/or 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. Our Privacy Policy will indicate the date it was last updated. Your
continued use of our site will signify your acceptance of the changes to our
Privacy Policy.
Your California Privacy Rights
The following applies to California residents.
DebtHero.com may, from time to time, share your personally identifiable
information with unaffiliated third parties for their direct marketing purposes.
As a California resident, you have a legal right to request and receive in
writing or by email the names and addresses of all such third parties who
received your personally identifiable information during the previous calendar
year and a list of the types of personally identifiable information disclosed to
such third parties. To request such information, send an email to
admin@DebtHero.com
or write to:
California Privacy Information c/o DebtHero.com
Attn: Customer Care
9660 Falls of Neuse, S-108, #221
Raleigh, NC 27615
We will not honor such request more than once per calendar year.
For more information on how your personally identifiable information is
collected and used, please read our complete Privacy Policy.
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
LAST UPDATED 08-08-2008
Copyright © DebtHero.com, 2008 All Rights Reserved.