|
WHO WE
ARE AT 4DebtHelp.net
("Company” or "we"
or "our"), owns and operates the website located at 4DebtHelp.net,
(the "Site"). Through the Site, Company operates a prospective
customer data base (the "Service") , by which it compiles, sorts
and sells contact information to businesses on behalf of individual consumers
who have shown an interest in applying for a business' products or services
and has affirmatively asked to be contacted by a representative of a product
or service business. Company utilizes third party vendors, third party
affiliates, and a variety of media advertisements to promote the Site to
consumers interested in completing an online contact request at our Site or
to supplement our database by purchasing their database of consumers who have
completed applications on websites other than Company's and have
affirmatively requested receipt of information about product or service
offerings similar to those offered on Company's Site.
Company also promotes its product and service offerings via e-mail or telephone
to consumers who requested that they be contacted either through our online
application opt-in process via our Site or through an Opt-In process on one
of our many vendor or affiliate sites. Members will then receive email or
telephone contacts only for so long as they wish to continue to receive such
contacts.
List Members can get off our telephone and e-mail contact lists at any time,
no questions asked. You can remove yourself from further contact from Company
by clicking on the OPT-Out link contained in each e-mail, or by sending in
your OPT-Out request via e-mail to admin@4DebtHelp.net
or by writing to Customer Service Department, 4DebtHelp.net , Inc. or
if you prefer you may submit your request by telephone at.
If you choose to remove yourself from our contact list, if applicable, we
will also forward your name and contact information to the specific vendor or
affiliate marketer who provided your informational request to us so that they
can include your name on their do-not-contact list too. Please bear in mind
that if your information was purchased commercially from a third party
vendor, Company may not be the only data company your contact information was
sold to. Additionally, our third party vendor or affiliate may have purchased
your contact information from someone else and thus you may continue to
receive contacts from those companies as well. Company is not responsible for
stopping all unwanted contacts from sources beyond our immediate control.
GENERAL
INFORMATION COLLECTION AND USE
4DebtHelp.net collects information through the Site from our prospective and
existing customers at several different points on our web sites. We use
contact information to send information about our company and to service
existing accounts. Users may opt-out of receiving future mailings; see the
choice/opt-out section below. Contact and Financial information that is
collected is used for verifying your name, address and other information.
Information about your computer hardware and software is automatically
collected by 4DebtHelp.net and may be shared in aggregate with third parties
whose services are used for traffic analysis purposes. This information
includes: your IP address, browser type, domain names, access times and
referring Web site addresses. This information is used by 4DebtHelp.net to
maintain and improve the quality of the service and to generate statistics
regarding use of the 4DebtHelp.net site. 4DebtHelp.net does not use third
party databases to correct or update the information you submit to us for any
reason.
YOU’RE
PRIVACY
We recognize the importance of protecting your personal information. We
collect and retain information about you to communicate with you, to process
your requests for products and services, and to inform you about other
financial services that may be of interest to you through our news letter.
Except as explained here in our Privacy Policy, we do not sell nonpublic
personal information about current or former customers, nor do we share this
type of information with anyone other than our affiliates. The examples in
this Privacy Policy are illustrative only and are not intended to be
exclusive.
We want consumers to feel comfortable using the Site and participating in the
Service, so we have created this Privacy Policy to let you know what
information we may collect from you on the Site and through the Service and
how we may use that information. Please take a moment to review the terms of
our Privacy Policy. By using the Site and participating in the Service, you
agree to accept the terms of our Privacy Policy. If you do not agree to the
terms of this Privacy Policy, please do not use the Site or participate in
the Service.
MINORS
4DebtHelp.net does not knowingly collect personally identifiable information
from children under 18 years of age.
CHOICE/OPT-OUT
Our site provides users the opportunity to opt-out of receiving
communications from us and our partners as previously described above.
This site gives users the following options for removing their information
from our database to not receive future communications or to no longer
receive our service:
- You can send e-mail to admin@4DebtHelp.net
- Please note that
participation in certain activities on our web site may be limited if
personally identifiable information is not submitted for the user.
E-mail addresses and phone numbers received in an opt-out request will
be added to our internal Do-Not-Contact registry within ten (10)
Business days following receipt.
COOKIES
A cookie is a piece
of data stored on the user's hard drive containing information about the
user. Usage of a cookie is in no way linked to any personally identifiable
information while on our site. If a user rejects the cookie, they may still
use our site however without cookies the user may not have access to certain
features on our site. Cookies can also enable us to track and target the
interests of our users to enhance the experience on our site. To do this we
use a tracking utility service offered by Web Trends, Inc. All cookies served
on the domain, both session and persistent are tied to the Personally
Identifiable Information you provide.
Some of our business partners use cookies on our site (for example,
advertisers). However, we have no access to or control over these cookies
once set on our site.
LINKS
This web site
contains links to other sites. Please be aware that Company is not
responsible for the privacy practices of such other sites. We encourage our
users to be aware when they leave our site and to read the privacy statements
of each and every web site that collects personally identifiable information.
This privacy statement applies solely to information collected by Company
even in cases where we may frame another site with our own. From time to time
we may co-brand certain services with third parties. It will be clear at the
point of collection who is collecting such information and whose privacy
statement governs. For example, without limiting the foregoing, we co-brand
with insurance brokers, credit reporting agencies and, automotive companies.
SECURITY
We use a variety of security technologies and procedures to help
protect your personal information from unauthorized access, use, or
disclosure. For example, we store the personal information you provide on
computer systems with limited access, which are located in controlled
facilities. When we transmit highly confidential information (such as a
credit card number) over the Internet, we protect it through the use of
encryption, such as the Secure Socket Layer (SSL) protocol.
DISCLOSURE
We cannot ensure that all of your private communications and other
personally identifiable information will never be disclosed in ways not
otherwise described in this Privacy Agreement. By way of example (without
limiting the foregoing), we may be forced to disclose information to the
government or third parties under certain circumstances as required by law,
third parties may unlawfully intercept or access transmissions or private communications.
In addition, as noted above, if you opt-out of future contact from Company by
using the opt-out mechanism provided in each e-mail we send to you on behalf
of a third party service provider other than Company, we will provide your
email address to the third party service provider so that the third party
service provider can add your name and contact information to its own
do-not-contact list.
As Company develops, we may buy other businesses or their assets or sell our
business assets. Customer information is generally one of the business assets
involved in such transactions. Thus, in the event that Company or all of its
assets are acquired, customer information, including any visitor information
collected through the Site, would be one of the transferred assets. For more
information see our notifications of changes section below.
Finally, Company reserves the right to disclose member information in special
cases when we have reason to believe that disclosing this information is
necessary to identify, contact or bring legal action against someone who may
be causing injury to or interference with (either intentionally or
unintentionally) Companies rights or property, other visitors, members, or
anyone else that could be harmed by such activities. Company also reserves
the right to disclose visitor or member information when we believe in good
faith that the law requires it.
SHARING INFORMATION WITH AFFILIATES
When you submit your request for information or quote, you are
granting permission to be contacted by 4DebtHelp.net, affiliated third
parties. We share the contact and loan request data you submit on the Quote
Request form and 4DebtHelp.net  account number information with
affiliated companies such as banks, commercial lenders and licensed loan
brokers to fulfill information requests we receive from you, to provide you
with superior service, inform you of product and service opportunities that
may be of interest to you, and for other business purposes may disclose all
of the information we collect, as described above, to the following types of
affiliated companies: financial service providers, such as mortgage and life
insurance agencies, title service companies, debt & credit services
companies and auto finance companies. An affiliate company is a company under
legal contract with 4DebtHelp.net a to fulfill services or is a company
owned in whole or in part by 4DebtHelp.net.
SHARING INFORMATION WITH CO-BRANDED PARTNERS
Some of the services
offered on our website are co-branded with contracted partners. Co-Branded
offerings will be identified directly on the Quote Request form for the
product or service you choose prior to you having to submit the Quote Request.
Where a co-branded product or service provider is identified your Personally
Identifiable information will be provided directly to that provider’s
website, not 4DebtHelp.net. The Product or Service provider shall control
your data once submitted to them. For purposes of identification and
tracking, your contact information (name, Address, Phone, e-mail address,
etc.) is shared with 4DebtHelp.net.
CONFIDENTIALITY
AND SECURITY
We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide products or services
to you. We maintain physical, electronic and procedural safeguards that
comply with federal standards to guard your nonpublic personal information
against unauthorized access or use.
Maintaining the accuracy of your information is a shared responsibility. We
maintain the integrity of the information you provide us and will update your
records when you notify us of a change. Please contact us at the address or
phone number listed below when information concerning you changes.
NOTIFICATION OF CHANGES
If at any point we
decide to use personally identifiable information in a manner materially
different from that stated at the time it was collected, we will prominently
post a notice on the website for 30 days. We may also make a reasonable
effort to notify users by way of an e-mail. Users have a choice as to whether
or not we use their information in this materially different manner.
|
|
