Privacy Notice for California Residents

Last Updated: August 30, 2023

• Privacy Notice for California Residents: This Privacy Notice is an addition to America's Debt Hero Privacy Policy, which can be found on the website AmericasDebtHero.com (the "Site"). The Site is owned and operated by America's Debt Hero ("Company," "we," "us," or "our"). It is designed specifically for California residents ("Users") in accordance with the California Consumer Privacy Act of 2018 ("CCPA") and other applicable California State privacy laws. All CCPA-defined terms are used with the same meanings in this Privacy Notice. For alternative formats of this Privacy Notice for users with disabilities, please reach out to us at support info@americasdebthero.com or via U.S. mail at 9921 Carmel Mountain Rd, San Diego, CA 92129.

Request for Deletion

• You have the right to request the deletion of any personal information we collected and retained from you, subject to certain exceptions. Upon receipt and verification of your verifiable User request, we will delete (and instruct our service providers to delete) your personal information from our (their) records, unless an exception applies.

• We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  • Complete the transaction for which we collected the personal information, provide a good or service that you requested, or otherwise fulfill our obligations under our contract with you.

  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

  • Debug products to identify and repair errors that impair existing intended functionality.

  • Exercise free speech rights or ensure the right of another User to exercise their free speech rights.

  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).

  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest, if your deletion may render the research impossible or seriously impair its achievement, provided you previously provided informed consent.

  • Enable solely internal uses that align with User expectations based on your relationship with us.

  • Comply with a legal obligation.

  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Exclusions from Personal Information

• Personal information does not encompass the following:

  • Publicly available information obtained from government records.

  • De-identified or aggregated User information.

  • Information that falls outside the scope of the CCPA, including:

    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data.

    • Personal information protected by specific sector-related privacy laws, including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act (GLBA), the California Financial Information Privacy Act (FIPA), and the Driver's Privacy Protection Act of 1994.

Empowering Your Choices and Rights

• If you are a California resident, the CCPA affords you particular rights pertaining to your personal information. This section elucidates your CCPA rights and provides instructions on how to utilize them.

Categories of Information We Collect

• Types of Personal Information Collected: In the course of our operations, we collect personal information that identifies, relates to, describes, references, or can be reasonably linked, directly or indirectly, to a particular User or device ("personal information"). Over the last twelve (12) months, the following categories of personal information have been gathered from Users:

Category: Identifiers
Examples: A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, telephone number, or other similar identifiers.
Collected: YES

Category: Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)).
Examples: A name, signature, Social Security number, physical characteristics or description, postal address, telephone number, passport number, driver's license or State identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.
Collected: YES

Category: Protected classification characteristics under California or federal law.
Examples: Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).
Collected: YES

Category: Internet or other similar network activity.
Examples: Browsing history, search history, information on a User's interaction with a website, application or advertisement.
Collected: YES

Category: Professional or employment-related information.
Examples: Current or past job history or performance evaluations.
Collected: YES

Sharing Personal Information

• We do not share, rent, and/or sell your personal information with/to third parties or affiliate marketers for marketing purposes.

Empower Your Opt-Out Choice

• We respect your right to opt-out of the use of your personal information. To exercise this right, kindly submit a verifiable User request via either of the following means:

• Email us at: info@americasdebthero.com

• Send us U.S. mail to: 9921 Carmel Mountain Rd, San Diego, CA 92129

• We will endeavor to act on all opt-out requests as soon as practically possible, and in any event, within fifteen (15) days from the receipt of your request.

Access to Specific Information and Data Portability Rights

• You possess the right to request that we disclose certain information to you concerning our collection and utilization of your personal information within the last twelve (12) months. Upon receipt and verification of your verifiable User request, we will provide you with the following:

• The categories of personal information we collected about you.

• The categories of sources from which we collected your personal information.

• Our business or commercial purpose for collecting or selling that personal information.

• The specific pieces of personal information we collected about you (also known as a data portability request).

• If we sold or disclosed your personal information for a business purpose, we will provide two separate lists disclosing:

  • sales, identifying the categories of personal information purchased by each category of recipient;

  • disclosures for a business purpose, identifying the categories of personal information obtained by each category of recipient.

Sources of Personal Information

• We obtain the categories of personal information listed above from the following sources:

  • Directly from our Users. For instance, through online registration forms submitted by Users related to the products and/or services we offer on the Site.

  • Indirectly from our Users. For example, information collected while providing products and/or services to them.

  • Directly and indirectly from activity on the Site. This includes your browser type (e.g., Safari, Chrome, Internet Explorer), IP address, operating system (e.g., Windows or iOS), and Internet Service Provider domain name. We also obtain Site usage details and analytics automatically, in collaboration with third-party partners like Google® and Hotjar®.

  • From interactions on our social media accounts, including comments and likes on our posts.

  • Directly from Users via online registration forms for participating in promotions or sweepstakes featured on the Site.

  • From third parties interacting with us in connection with the products and/or services offered to our Users. For example, third-party entities assisting in direct and electronic mail, data analysis, and marketing analysis.

  • From publicly available sources, including Internet search engines.

Use of Personal Information

• We may use or disclose the collected personal information for one or more of the following business purposes:

  • To fulfill or meet the reason for which the information is provided. For instance, using personal information to provide requested quotes or information about mortgage-related products and services featured on the Site.

  • To provide you with information, products, or services that you request from us.

  • To create, maintain, customize, and secure your account with us.

  • To enable your participation in sweepstakes or promotions featured on the Site.

  • To send you e-mail, direct mail, and telemarketing messages about certain Company products and/or services, as well as third-party products and/or services, that we believe may interest you.

  • To deliver relevant Site content and advertisements and measure the effectiveness of the advertising we serve to you.

  • To carry out our obligations and enforce our rights arising from contracts between you and us, including the Site’s Terms and Conditions.

  • To improve the Site and present its contents better to you.

  • For customer service purposes and to respond to your inquiries.

  • For testing, research, analysis, and product development.

  • To protect our rights, property, or safety, and that of our clients or others.

  • To respond to law enforcement requests and comply with applicable law, court order, or governmental regulations.

  • As described to you when collecting your personal information or as otherwise stated in the CCPA.

  • To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us is among the transferred assets.

We will not collect additional categories of personal information or use the collected personal information for materially different, unrelated, or incompatible purposes without providing you with notice.

Exercising Access, Data Portability, and Deletion Rights

• To exercise your access, data portability, and/or deletion rights as described above, please submit a verifiable User request to us by:

  • Emailing us at info@americasdebthero.com; or

  • Sending us U.S. mail to: 9921 Carmel Mountain Rd, San Diego, CA 92129

• Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable User request regarding your personal information.

• You may only make a verifiable User request for access or data portability twice within a 12-month period.

• The verifiable User request must:

  • Provide sufficient information that allows us to reasonably verify your identity or the authorized representative's identity.

  • Describe your request with sufficient detail to allow us to understand, evaluate, and respond to it properly.

• We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you.

• Making a verifiable User request does not require you to create an account with us.

• We will only use personal information provided in a verifiable User request to verify the requestor's identity or authority.

General Privacy Policy:

Last Updated August 30, 2023

AmericasDebtHero.com (the "Website," "we," "our," or "us") places a high value on your privacy and encourages you to go through our privacy policy. By visiting this website, you are indicating your agreement to the practices described in this Privacy Notice.

• What This Privacy Policy Covers:

  • This policy covers the treatment of personal information collected and received by the website, including data related to your previous use of our products and services. Personal information comprises details that can personally identify you, such as your name, address, email address, IP address, or phone number, and is not publicly available.

  • This policy does not extend to the practices of companies not owned or controlled by us, or to individuals we do not employ or manage.

Confidentiality and Security

• We restrict access to your personal information only to employees whom we believe reasonably require it to provide you with products or services or perform their job duties.

• We have implemented physical, electronic, and procedural safeguards that adhere to federal regulations to ensure the protection of your personal information.

Do Not Track Browser Settings

• Take into consideration that advertisers may gather information about your online browsing behavior to present you with targeted ads, also referred to as "behavioral advertising." To opt-out of receiving such targeted ads, you have the opportunity to submit opt-out requests to the relevant service providers. However, please be aware that opting out will only prevent targeted ads, and you may still encounter generic (non-targeted) ads from these companies. If you wish to opt-out of behaviorally targeted ads, you can do so at any time by clearing your browser's cookies.

Information Sharing and Disclosure

• Information You Give Us: By providing information on our website or through other means, you enable us to receive and store it. While certain details can be omitted at your discretion, please note that this may restrict your access to many of our features. The information you share is used for purposes such as addressing your requests, personalizing your future shopping experiences, improving our stores, and staying in communication with you.

• Automatic Information: When you interact with us, specific types of information are automatically received and stored. As with numerous other websites, we utilize "cookies," and certain information is acquired when your Web browser accesses this site.

• Agents: To carry out various functions, we engage other companies and individuals on our behalf. These functions include order fulfillment, package delivery, sending postal mail and email, data analysis, marketing assistance, providing search results and links (including paid listings and links), processing credit card payments, and providing customer service. Although they have access to the personal information necessary for their tasks, they may not utilize it for other purposes.

• Legal Obligations: We respond to subpoenas, court orders, legal processes, and situations to establish, exercise, or defend our legal rights or against legal claims.

• Investigation and Prevention: We believe in the necessity of sharing information to investigate, prevent, or take action against illegal activities, suspected fraud, violations of our terms of use, or as otherwise required by law.

• Business Transfer: In the event of our acquisition or merger with another company, we may transfer information about you. Before this transfer occurs and your information becomes subject to a different privacy policy, we will notify you.

Changes to this Privacy Policy

• Policy Updates: We reserve the right to update this policy. In the event of significant changes in the way we handle personal information, we will notify you through a notice sent to the primary email you provided or by displaying a prominent notice on our site.

GDPR and CASL Compliance

• Unfortunately, we are unable to accept registrants who are not U.S. Citizens. The CASL and GDPR regulations grant certain rights to their citizens that differ from those in the United States. As a result, we do not accept registrations from any citizen outside the United States. Our services are exclusively tailored for United States citizens. To the best of our knowledge, we have removed all data related to European Union Member and Canadian Citizens. If you are a European Union Member, Canadian, or a citizen of any country outside of the United States, please notify us at info@americasdebthero.com.

Information Collection and Use General

• The website gathers personal information during your registration process.

• Upon registration, we request details like your name, address, phone number, email address, and zip code. Once you complete the registration and access our services, you are no longer anonymous to us.

• We collect information about your transactions with us, including your usage of the financial products and services we provide.

• The website automatically receives and records information in our server logs from your browser, including your IP address, cookie information, and the pages you request.

• We utilize the gathered information for various general purposes: to fulfill your requests for products and services, enhance our services, contact you, and conduct research.

• We reserve the right to send you specific communications related to our services, such as service announcements, administrative messages, special offers, and a website Newsletter.

• We may share your personal information with regulatory bodies as required by the Federal Telephone Consumer Protection Act (TCPA). However, we will never sell or rent your email address or other personally identifying information to third-party commercial entities or affiliate marketers. We may use your personal information to communicate with you about offers from the website. You may also receive certain communications regarding our services, such as service announcements, administrative messages, special offers, and a Newsletter.

Cookies

• To enhance Web Site and Systems Administration, we may set and access cookies on your computer.

• Cookies, which are alphanumeric identifiers, are transferred to your computer's hard drive through your Web browser. They enable our systems to recognize your browser and facilitate the storage of items in your Shopping Cart between visits.

Terms of Service

Last Updated: August 30, 2023

Contact Information

• If you have any questions or comments about this Privacy Notice, our Privacy Policy, or how we collect and use your personal information, including your California rights, please feel free to contact us.

• You can reach us by email at: info@americasdebthero.com

• You can also contact us via U.S. mail at: 9921 Carmel Mountain Rd, San Diego, CA 92129

Detailed Wireless and SMS Policy

• Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider's name, and the date, time, and content of your messages.

• In addition to any fee you are informed about, your provider's standard messaging rates will apply to our confirmation and all subsequent SMS correspondences.

• All charges are billed by and payable to your mobile service provider. We will not be liable for any delays in the receipt of SMS messages, as delivery is subject to effective transmission from your network operator.

• SMS message services are provided on an AS IS basis.

• We may use personal information to fulfill the services you requested, including providing customized content and advertising.

• We may also use personal information for auditing, research, and analysis to operate and improve our technologies and services.

• We may share aggregated and non-personal information with third parties.

• When using third parties to assist us in processing your personal information, we require them to comply with our Privacy Policy and appropriate confidentiality and security measures.

• We may share information with third parties in limited circumstances, such as when complying with legal process, preventing fraud or imminent harm, and ensuring the security of our network and services.

• You have the option to remove your information from our database.

• If you choose to remove your information, it will no longer be used by us for secondary purposes, nor will it be used to send promotional correspondence to you.

• To remove your information, simply respond with "STOP," "END," or "QUIT" to the SMS text message you received.

• If you have any questions, wish to opt-out of any communication (phone, email, SMS, or otherwise), or need more information about this Privacy Policy, please contact us at info@americasdebthero.com or write to us at 9921 Carmel Mountain Rd, San Diego, CA 92129.

Non-Discrimination

• We value your CCPA rights and will not discriminate against you for exercising them.

• Your access to goods and services will not be affected based on your choices.

• We will not apply different prices, rates, or penalties related to goods or services.

• No variations in the level or quality of goods or services will be imposed for exercising your CCPA rights.

• Your exercise of CCPA rights will not influence any suggested changes in price, rate, level, or quality of goods or services.

We retain the right to amend this Privacy Notice at any time, at our discretion. If changes are made, we will notify you via email or through a notice on the Site's homepage.

Wireless and SMS Policy

• We may use personal information to fulfill the services you requested, which include providing customized content and advertising.

• Standard messaging rates from your provider will apply to our confirmation and all subsequent SMS correspondences, in addition to any mentioned fees.

• If you wish to opt-out and remove your SMS information, simply respond with "STOP," "END," or "QUIT" to the SMS text message you received.

• Upon removing your SMS information from our database, it will no longer be used for secondary purposes by us or third parties to send promotional correspondence.

Response Timing and Format

• Upon receiving your verifiable User request, we aim to respond within forty-five (45) days.

• If we require more time (up to ninety (90) days) to address your request, we will notify you in writing, providing the reason and extension period.

• Your response can be delivered either by mail or electronically, depending on your preference.

• Any information disclosures will cover only the twelve (12) months preceding your verifiable request.

• If we are unable to comply with your request, the response will include an explanation.

• For data portability requests, we will select a format that allows you to easily use and transfer your personal information to another entity.

• We do not charge a fee for processing or responding to your verifiable User request unless it is excessive, repetitive, or manifestly unfounded.

• If a fee is applicable, we will provide you with a cost estimate and rationale before fulfilling your request.