PRIVACY POLICY
DEBT DIRECT SOLUTIONS
Last Updated: 11/13/2025
This Privacy Policy explains how Debt Direct Solutions ("Company," "we," "us," or "our") collects, uses, shares, and protects your personal information.
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1. INFORMATION WE COLLECT
1.1 Information You Provide
When you submit a consultation request or use our services, we collect:
• Name, email address, phone number
• Mailing address
• Date of birth
• Social Security Number (if needed for credit analysis)
• Employment information and income
• Debt information (amounts, creditors, account numbers)
• Credit score information
• Bank account information (if needed for payment processing)
• Other financial information relevant to your consultation
1.2 Automatically Collected Information
When you visit our website, we may automatically collect:
• IP address
• Browser type and version
• Device information
• Pages visited and time spent
• Referring website
• Cookies and similar tracking technologies
1.3 Information from Third Parties
We may receive information about you from:
• Credit bureaus (with your authorization)
• Third-party service providers to whom we refer you
• Marketing partners
• Public records
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2. HOW WE USE YOUR INFORMATION
We use your information to:
• Provide consulting services and assess your financial situation
• Communicate with you about your consultation
• Refer you to appropriate third-party service providers
• Process payments for consulting services
• Improve our services and website
• Send you educational information about debt relief (you may opt out)
• Comply with legal obligations
• Prevent fraud and protect our rights
• Respond to legal requests or court orders
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3. HOW WE SHARE YOUR INFORMATION
3.1 Third-Party Service Providers
With your consent, we share your information with:
• Lenders we refer you to for debt consolidation loans
• Debt settlement companies we recommend
• Credit counseling organizations
• Other financial service providers relevant to your needs
3.2 Service Providers
We share information with companies that help us operate, such as:
• Payment processors
• Cloud storage providers
• Marketing platforms
• Analytics services
• Customer relationship management (CRM) systems
3.3 Legal Requirements
We may disclose information when required by law or to:
• Comply with legal process or government requests
• Enforce our Terms of Service
• Protect our rights, property, or safety
• Protect against fraud or security threats
• Respond to emergency situations
3.4 Business Transfers
If we are acquired, merge with another company, or sell assets, your information may be transferred to the new entity.
3.5 With Your Consent
We may share information for other purposes with your explicit consent.
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4. REFERRAL PARTNER DISCLOSURE
When we refer you to third-party service providers, those companies become independent data controllers of your information. They have their own privacy policies governing how they use your data. We may receive referral fees from these companies, but this does not affect how we handle your information.
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5. YOUR RIGHTS AND CHOICES
5.1 Access and Correction
You may request access to your personal information and ask us to correct inaccuracies by contacting us.
5.2 Opt-Out of Marketing
You may opt out of promotional emails by:
• Clicking "unsubscribe" in any marketing email
• Contacting us directly at [YOUR EMAIL]
Note: You cannot opt out of transactional communications related to services you've requested.
5.3 Do Not Track
Our website does not currently respond to "Do Not Track" signals.
5.4 California Privacy Rights
California residents have additional rights under CCPA including the right to:
• Know what personal information we collect, use, and share
• Delete personal information (with exceptions)
• Opt out of the sale of personal information
• Non-discrimination for exercising privacy rights
To exercise these rights, contact us at [YOUR EMAIL].
Note: We do not "sell" personal information as defined by CCPA, but we do share information with referral partners.
5.5 Nevada Privacy Rights
Nevada residents may opt out of the sale of covered information. Contact us at [YOUR EMAIL].
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6. DATA SECURITY
We implement reasonable administrative, technical, and physical safeguards to protect your information, including:
• Encryption of sensitive data
• Secure servers and databases
• Access controls and authentication
• Regular security assessments
• Employee confidentiality obligations
However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your information.
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7. DATA RETENTION
We retain your personal information for as long as necessary to:
• Provide consulting services
• Comply with legal obligations (typically 7 years for financial records)
• Resolve disputes
• Enforce our agreements
After the retention period, we will securely delete or anonymize your information.
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8. CHILDREN'S PRIVACY
Our services are not intended for individuals under 18. We do not knowingly collect information from children. If we learn we have collected a child's information, we will delete it immediately.
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9. THIRD-PARTY WEBSITES
Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. Please review their privacy policies.
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10. CHANGES TO THIS POLICY
We may update this Privacy Policy periodically. We will post the updated version with a new "Last Updated" date. Continued use of our services after changes constitutes acceptance.
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11. CONTACT US
For questions about this Privacy Policy or to exercise your privacy rights:
Debt Direct Solutions
[YOUR ADDRESS]
Email: [YOUR EMAIL]
Phone: [YOUR PHONE]
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12. CONSENT
By submitting a consultation request or using our services, you consent to the collection, use, and sharing of your information as described in this Privacy Policy.
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