ForDebtSettlement.com Privacy Policy
This ForDebtSettlement.com Website is owned and administered by AMM Group, Inc. located at 864 Grand Ave #440, San Diego, California 92109. The company that licenses the ForDebtSettlement.com mark to qualifying service providers, ForDebtSettlement.com respects the privacy of the individuals accessing/using ("Users") its Website . This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you or your computer interact with our Web site. By accessing ForDebtSettlement.com, you acknowledge and fully understand the ForDebtSettlement.com Privacy Statement and freely consent to the information collection and use practices described in this Web site Privacy Statement.
ForDebtSettlement.com
864 Grand Ave #440
San Diego, CA 92109
At ForDebtSettlement.com, we place tremendous value on our commitment to excellence and privacy of each and every person who visits our site. We will not sell, share, trade or rent any information given to us (this includes any and all information), except as disclosed in this privacy statement. We are committed to protect your privacy and your personal information - period. At ForDebtSettlement.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 ForDebtSettlement.com Privacy Policy
in effect at the time of your use. If you do not agree to this policy, please do not use the ForDebtSettlement.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 by the following Privacy Policy.
INFORMATION COLLECTION AND USE
Two types of information may be collected when you visit any of our web sites, information that you knowingly provide us (called personally identifiable information), and information that is obtained from your visit but is not directly associated with you (called non-personally identifiable information).
Personally Identifiable Information
Personally identifiable information is information that allows you to enroll and receive benefits of the Debt Management Programs offered through this Website. When you sign up to use one or more of our services, we may specifically ask for information about you, including, but not limited to name, address, telephone number, e-mail address, birth date and/or debt information. This information is used to facilitate a phone call from one of our Credit Specialists to assist you in reducing your debt.
Such Personally Identifiable Information may include:
Debt Information (Credit Card / Loan Account Numbers & Balances)
Personal Information (Social Security Number, Address, Phone, Email, Salary, Pay Period, Employer, Occupation)
Demographic Information (Age, Birth Date, Gender)
Budget Information (Assets, Monthly Expenses, Other Income)
Debt information is used to qualify the User for the program. Budget information is collected to provide the User an overview of where Users money is spent and is required by the creditors.
INFORMATION SHARING AND DISCLOSURE
Agents, employees and contractors of ForDebtSettlement.com, who have access to personally identifiable information are required to protect this information in a manner that is consistent with this Privacy Policy and the high standards of the company. Information about you specifically will not be used for any purpose other than to carry out the services you requested from ForDebtSettlement.com and its affiliates.
We will not use any personal information beyond what is necessary to assist us in delivering to you the services you have requested and will not sell or rent your personally identifiable information to anyone at any time without your prior permission, except as disclosed below.
In states where we cannot provide assistance, we have partnered with affiliates who can provide you the services you have requested. In those cases, the affiliates are required to meet our high standards and comply with this Privacy Policy before we disclose any information.
We reserve the right to disclose your Consumer Personally Identifiable Information when required to do so by law. For example, in response to a court order or a subpoena., 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 the ForDebtSettlement.com Terms of Use, or as otherwise required by law.
USES OF E-MAIL ADDRESSES
Users can expect to receive confirmation emails, follow-up emails, and customer survey communication. In addition, users can expect to receive communication via email and telephone from third party service providers in which theyve been matched following the submission of personal information. Users can opt-out of receive communications from ForDebtSettlement.com at any time by clicking the unsubscribe link located on the website. For users to opt-out of communications from our third party service providers, users will need to contact such companies directly.
Customer Service - based upon the personally identifiable information you provide us through ForDebtSettlement.com, we may send you an confirmation email letting you know that we received your information successfully. We will also communicate with you in response to your inquiries, to provide services you request, and to manage your account. We will communicate with your by email or telephone in accordance with your wishes.
On occasion, we provide you the opportunity to participate in surveys on our site or through an email questionnaire. If you participate, we will request via email certain personally identifiable information from you. Participation in these surveys is completely voluntary and therefore you have a choice whether or not to disclose this information. The requested information typically includes contact information (such as name and email address), and demographic information (such as zip code).
THIRD-PARTY SITES AND SPONSORS
Sometimes ForDebtSettlement.com web site may contain links to various other sites not owned and operated by ForDebtSettlement.com. We encourage other online merchants and others who participate in ForDebtSettlement.com services are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for the privacy practices or contents of those sites. Visitors should consult the other sites privacy policies, as we have no control over the information that is submitted to, or collected by, these third parties. Related services and offerings with links from this Web site, including vendor sites, have their own privacy statements that can be viewed by clicking on the corresponding links within each respective Web site. This Privacy Policy applies to all information that you provide to ForDebtSettlement.com. If you choose to
obtain certain services through a third party site, the data collected by the third party is governed by that third partys privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. If ForDebtSettlement.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 ForDebtSettlement.com and such third party.
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.
Advertisements & Pop Up Windows
On occasion, you may receive advertisements for ForDebtSettlement.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 ForDebtSettlement.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. Your relationships, transactions and any opt-out requests are governed by the specific policies the third parties have, and not those of ForDebtSettlement.com.
Framing
In some cases, we may require the use third party vendors, outside companies, to operate portions of the ForDebtSettlement.com web site. Although the particular section of the web site may have a similar appearance as the ForDebtSettlement.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. 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.
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.
CORRECTING AND EDITING YOUR INFORMATION
If you want to access, correct, or update the personal information you submitted to ForDebtSettlement.com please contact us here or write us at the following address.
ForDebtSettlement.com Attn: Customer Care
864 Grand Ave #440
San Diego, CA 92109
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 wish to opt-out of email communications, you may do so here. In addition, if you identify yourself to us by sending us an email with questions or comments, we may use your information (including Personally Identifiable Information) to respond to your questions or comments, and we may file your questions or comments for future reference.
Please note that ForDebtSettlement.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.
You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your Personally Identifiable Information may exist in a non-erasable form that will be difficult or impossible for us to locate. We promise that promptly after receiving your request, all Personally Identifiable Information stored in marketing databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as reasonably practicable.
USE OF COOKIES
ForDebtSettlement.com uses cookies to personalize or enhance your user experience. In the normal course of using ForDebtSettlement.com website we may collect information about your habits and usage of our sites. This non-personally identifiable information (Cookies) is collected without any direct association with you specifically. Cookies are small text files that may be placed on your computers hard drive by our servers to identify your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you. We may use cookies to recognize you when you visit our sites, to personalize your experience and generally to serve you better. For example, if you enter your name, address, telephone number, email address, zip code or other personally identifiable information on one of our forms, such information may be, but is not necessarily always, stored in a cookie so you do not have to enter this information again. ForDebtSettlement.com also uses third party
cookies for the purpose of site traffic monitoring. These cookies help us understand which parts of our site are most visited and helps up keep our site as up to date and helpful as possible. These third party cookies do not store any personal identifiable information.
From time to time, ForDebtSettlement.com shares aggregated site statistics with partner companies, but does not allow other companies to place cookies on our Web site unless there is a temporary, overriding customer value (such as merging into ForDebtSettlement.com a site that relies on third-party cookies). We use a third-party tracking service that uses cookies to track non-personally identifiable information about visitors to our site in the aggregate (such as browser type or referring URL) to track what visitors view and use so that we can improve the effectiveness of our Web site.
You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Web site.
IP ADDRESSES
An IP address is a number that is assigned to your computer whenever youre using the Internet. Web servers automatically identify your computer by its IP address. ForDebtSettlement.com collects IP addresses in our web site logs for the purposes of system administration, to report aggregated information, and to audit the use of our site. When visitors request pages from ForDebtSettlement.com site, our servers log the visitors IP address. We do not link IP addresses to anything personally identifiable, which means that a visitors session will be logged, but the visitor remains anonymous to us.
OUR COMMITMENT TO SECURITY
We have put in place appropriate physical, electronic, and managerial procedures to safeguard and help prevent unauthorized access, maintain data security, and correctly use the information we collect via the Internet. We do not sell, trade, or rent your personal information in any way and at any time without your prior knowledge and permission. The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. When you enter any information on our registration pages and request pages, all the information is encrypted using secure socket layer technology (SSL). No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
The following applies to California residents.
ForDebtSettlement.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, contact us here or write to:
California Privacy Information c/o ForDebtSettlement.com
864 Grand Ave #440
San Diego, CA 92109
We will not honor such request more than once per calendar year.
Privacy Policy Changes
ForDebtSettlement.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
Questions / Suggestions
If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us:
(1) By completing the contact form here.
(2) By sending a letter to:
ForDebtSettlement.com
864 Grand Ave #440
San Diego, CA 92109
PLEASE PRINT AND RETAIN A COPY OF THIS AGREEMENT FOR YOUR RECORDS.
LAST UPDATED 4-22-08
Copyright © ForDebtSettlement.com, 2008 All Rights Reserved.
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