Privacy Policy

1. Introduction

This Privacy Policy explains how [DEBT ANGEL LEGAL ENTITY NAME] (“Debt Angel,” “we,” “us,” or “our”) collects, uses, shares, and protects information about you when you visit mydebtangel.com (the “Site”), create an account, or use our debt-resolution program and related services (together, the “Services”).

Debt Angel provides a consumer-controlled debt-resolution program for qualifying unsecured debt. We are not a lender, credit repair organization, credit counseling agency, or law firm, and we do not provide legal or tax advice. Our Services are not available in all states. By using the Services, you agree to the practices described in this Policy.

2. Information We Collect

Information you provide to us

• Identity and contact details: name, mailing address, email address, telephone number, and date of birth.
• Verification information used to confirm your identity where required.
• Account credentials and authentication information.

Financial and debt information you import or enter

• Details of the accounts you add to build your plan: creditor and collector names, account or “tradeline” identifiers, balances, credit limits, interest rates (APR), open dates, delinquency or account status, and minimum payments.
• Information about your financial situation, such as income, monthly budget, employment, and hardship information you choose to share.
• Dedicated-account and payment information, such as bank account and routing details, and records of deposits, disbursements, and fees.

Information created when you use the Services

• Plan, comparison, settlement, approval, and communication history, including the settlements you review and approve.

Information collected automatically and from third parties

• Device and usage information (such as IP address, browser type, and pages viewed) collected through cookies and similar technologies.
• Information from your creditors, collectors, payment processors, and identity-verification vendors that support the Services.

3. How We Use Your Information

• Create and manage your account and authenticate you.
• Build your plan, generate side-by-side comparisons and estimates, and show you your options.
• Communicate with creditors and collectors and negotiate potential resolutions that you review and approve.
• Set up and administer your dedicated account, process deposits and authorized disbursements, and calculate performance-based fees.
• Provide support, send service-related messages, and (where permitted) informational or marketing messages you can opt out of.
• Detect and prevent fraud, security issues, and misuse.
• Comply with legal, regulatory, and record-keeping obligations that apply to debt-relief services, and improve the Services.

4. How We Share Information

We share information only as described below. We do not sell your personal information for money. To the extent any advertising-related sharing is treated as a “sale” or “sharing” under state law, see Section 8 for your opt-out rights.

• With your creditors and collectors, at your direction and with your approval, to negotiate and document resolutions.
• With payment processors and the dedicated-account provider to operate your dedicated account and process deposits, authorized disbursements, and fees.
• With service providers and vendors (hosting, verification, analytics, communications, support) under contracts that limit their use of your information.
• With professional advisors such as auditors and lawyers.
• For legal and safety reasons, and in connection with a merger, acquisition, financing, or sale of assets.
• With your consent, for any other purpose disclosed to you.

5. Data Security

We maintain administrative, technical, and physical safeguards designed to protect your information, including encryption in transit, access controls, and monitoring. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Please protect your account credentials and notify us promptly of any suspected unauthorized use.

6. Cookies and Tracking Technologies

We and our providers use cookies and similar technologies to operate the Site, remember your preferences, measure performance, and understand usage. You can control cookies through your browser settings; disabling some cookies may affect how the Site works. Where required, we honor recognized opt-out preference signals (such as Global Privacy Control).

7. Data Retention

We keep your information for as long as your account is active and afterward as needed to comply with legal, regulatory, tax, accounting, dispute-resolution, and record-keeping obligations that apply to debt-relief providers. When information is no longer needed, we delete or de-identify it.

8. Your Privacy Rights and Choices

Depending on where you live, you may have rights to:

• Access or receive a copy of your personal information.
• Correct inaccurate personal information.
• Delete personal information, subject to legal exceptions.
• Obtain your information in a portable format.
• Opt out of the “sale” or “sharing” of personal information and of certain targeted advertising and profiling.
• Limit the use of certain sensitive personal information.
• Withdraw consent and opt out of marketing communications.

To exercise these rights, contact us using Section 11. We will verify your request, allow an authorized agent where the law permits, respond within the time required by applicable law, and will not discriminate against you for exercising your rights.

9. State-Specific Disclosures

California (CCPA/CPRA): California residents have the rights described above, including the rights to know, delete, correct, and opt out of the sale/sharing of personal information and limit use of sensitive personal information. California’s “Shine the Light” law lets residents request information about certain disclosures for third-party direct marketing; we do not share personal information with third parties for their own direct marketing without your consent.

Virginia, Colorado, Connecticut, Utah, and other states: Residents of states with comprehensive privacy laws have the rights described above to the extent those laws apply, including the right to appeal a denied request.

Program availability: The Services and certain rights or disclosures may vary by state, and the program is not available in all states. [INSERT ANY ADDITIONAL STATE-REQUIRED DISCLOSURES IDENTIFIED BY COUNSEL.]

10. Additional Information

• Children’s privacy: The Services are intended for adults 18 and older. We do not knowingly collect personal information from children.
• Third-party links: The Site may link to third-party websites whose privacy practices are their own.
• Changes to this Policy: We may update this Policy and will post the updated version with a new “Last updated” date and, where required, additional notice.

11. Contact Us

[DEBT ANGEL LEGAL ENTITY NAME], Attn: Privacy, [MAILING ADDRESS]
Email: support@debtangel.example
Phone: (000) 000-0000