Privacy Policy
Debt Resolution Direct, LLC d/b/a Debt Advisors of America and its respective affiliates. Company respects the privacy of all users of our website, including, but not limited to, our clients your. When you use our Website, we may obtain data from you and your devices. This Privacy Policy is designed to provide transparency into our privacy practices, such as what information we collect from you, how we use this information, to whom it is shared, how it is stored, and, and more.
Agreement to Terms
By using our Website, you agree to be bound by this Privacy Policy and our Terms of Use. The Terms of Use of this Website are expressly incorporated herein by reference and made a part of this Privacy Policy. If you do not agree with the terms of this Privacy Policy, or our Term of Use, then you should immediately exit and discontinue using the Website. All activities in which you may engage on Company’s Website are voluntary. You are not required to provide any personal information to us unless you choose to access features on the Website which require such information.
Changes to Privacy Policy
From time to time, we may modify this Privacy Policy in our sole discretion. If we make any updates or changes to this Privacy Policy, all modifications will be posted on the Website, and will be effective immediately upon our posting and, where appropriate, notified to you by email or website notifications. Your continued use of the Website after we post any such modifications will constitute your acknowledgment of the modified policy and your agreement to abide and be bound by the modified policy. You should check this Privacy Policy periodically as its terms may change from time to time.
Information We Collect from You and from Third Parties
When you use the Website, we may collect personal information about you, such as your name, mailing address, Social Security number, payment history and credit history, account balances, telephone number, email address, asset information, income information, or any other information that you submit to us. We collect this information when you contact us with questions, request more information about our products and services, or open an account.
We may also collect personal information about you from other sources, this includes, but is not limited to, credit bureaus, social media services if you use a social media account to log into the Website, and other companies, including, but not limited to, marketing companies who may provide us with marketing data about you. All such information received through the Website, whether or not linked from third party apps and websites, is subject to the terms of this Privacy Policy.
How We Use Collected Information
We use both personal information and anonymous information for the following purposes:
- For every day business purposes;
- To complete and fulfill your application;
- To respond to your questions and concerns and to fulfill your requests;
- For our marketing efforts, such as to send you marketing communications;
- For statistical purpose, to conduct market research and to develop and improve our products and services;
- For legal purposes;
- To collect information about your preferences to optimize user experience;
- For internal purposes and recordkeeping;
- To enforce our Terms of Use;
- To diagnose technical issues, to perform troubleshooting, and to enhance the security of our services;
- To send you a newsletter; and/or
- For any other purpose to which you consent.
The Fair Credit Reporting Act gives you the opportunity to limit the sharing of “non-experience information” among our affiliates. “Non-experience information” includes information that is used, expected to be used, or collected for the purpose of establishing your eligibility for consumer credit, insurance or deposit accounts, and is not related solely to your transactions or other experiences with us, including information:
- From your applications, such as your income or marital status;
- From a credit report, such as your credit history; and
- From sources used to verify representations made by you, such as your open lines of credit; or employment history.
Within our company or approved affiliates of the Company, we may share customer information we collect on the Website, providing financial and other services such as:
- Insurance, title and real estate brokerage;
- Home security products; or
- Residential homebuilding.
How We Share Personal Information
We will only share personal information with third parties as described in this Privacy Policy. Such shared personal information with third parties includes:
- Agents or service providers acting on our behalf for limited purposes;
- As required by law (e.g., to comply with a subpoena, court order or similar legal process);
- Vendors who provide employment and income verification or other verification services, banking information, document import, and other necessary services;
- Company-affiliated businesses that provide quality services or products you may be interested in;
- For any purpose to which you expressly consent; and/or
- Other third parties if necessary to protect our rights or the rights or safety of others;
We limit the information that we send to service providers, and require that our service providers only use shared personal information to perform the services requested in accordance with this Privacy Policy and have adequate security measures in place to protect any of your shared personal information.
For example, after you authorize us to verify your credit history, we send the minimal amount of information needed (including your social security number) to ensure we are requesting the correct record in an encrypted form to the relevant credit bureaus with the sole purpose of retrieving your credit report and associated credit history data. We would not send the same level of information to a service provider where it is not essential to perform their services.
For retrieving certain information such as bank information (transactions, balances, accounts, and other information), we use third-party service providers. In the event that we enter into a corporate transaction, such as a reorganization, merger, sale, joint venture, assignment, transfer, or other disposition of all or any portion of our business, assets, or stock (including in connection with any bankruptcy or similar proceedings), personal information that we have collected may be transferred in the course of that corporate transaction to the relevant third party purchaser, joint venture partner, merged entity, assignee or similar party.
Third Parties
Other than for the purposes described in this Privacy Policy, we do not sell, trade, or otherwise transfer your personal information or general information to third parties without informing you in advance.
We provide some of our services through contractual arrangements with affiliates, service providers, partners and other third parties (collectively, “service partners”). Our service partners may use your personal information to operate our sites and to deliver their services.
For example, your data may be transferred to website hosting partners and other parties who assist us in designing and operating the Website, executing services or helping us analyze collected data. These parties will only use your data for the purpose of carrying out the work as agreed with us and will be required to keep the information confidential. We will encourage our service partners to adopt and post privacy policies. However, the use of your personal information by our service partners is governed by the privacy policies of those service partners and is not subject to our control.
We will release personal or general information without your consent for security purposes, when required by law, or to prevent imminent harm to any person or entity. We will disclose personal or general information upon receipt of a court order or subpoena, or to cooperate with a law enforcement investigation, which may include responding to requests and court orders from jurisdictions outside the United States. We fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities.
We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful, as determined in our sole discretion. Release of your personal data for security purposes, as described in this agreement to any person or entity under any circumstances shall be based on a determination made solely by us, exercising our own discretion, permission for which is expressly granted by you to us in accordance with this policy.
Tracking
Our first-party cookies and tracking technologies do not track users over time and across third-party websites, and therefore the Website does not respond to web browser do-not-track signals. We also use third-party cookies to serve targeted advertisements on both the Website and on third-party websites. These cookies may track users over time and across third-party websites and services. Please note that if you opt-out of advertising cookies, you may still see our advertisements on third-party websites and services.
Links to Third Parties
For your convenience, and to improve usage of the Website, we may insert links to third parties on the Website. If you decide to access those links, you will leave the Website. We do not control those third-party sites or their privacy practices, which may differ from our practices. Company is not liable for the content and activities of those sites. This includes links from partners that may use our logos as part of a co-branding agreement. Your visits and access to such websites is at your own risk.
Use of Social Media Tools
The Website allows you to use your social media accounts to pre-populate certain fields. If you choose to use this feature, you are allowing us to access your personal information. We encourage you to review the privacy policy and any terms and conditions for the social media platform that you select.
How We Protect Personal Information
Company uses reasonable physical, technical, and administrative security measures to protect personal information we collect from you from unauthorized access or use. For example, we use encryption technologies when transmitting information to and from the Website and with our third-party service providers. Please keep in mind, however, that whenever you give out personal information online there is a risk that third parties may intercept and use that information. While we strive to protect your personal information and privacy, we cannot guarantee the security of any information you disclose online. By using the Website, you expressly acknowledge and agree that we do not guarantee the security of any data provided to or received by us through this Website and that any personal information, general information, or other data or information received from you through the Website is provided to us at your own risk, which you expressly assume.
No Use of The Website by Persons under 18 Permitted
Company intends only persons who are 18 years or older to use the Website. Personal registration information submitted by a person under the age of 18 will not be accepted. Any general information provided by a person under the age of 18 and gathered (for example, through the use of cookies) during his or her visit may be used as indicated in this policy. Company is committed to protecting the privacy of children and has no intention of collecting personal data from children under the age of 18. We encourage parents and guardians of children under 18 to regularly check and monitor their children’s use of e-mail and other activities online.
Notice Concerning Children
The Website is a general audience website, and we do not direct any of our content specifically at children under 13 years of age. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email listed below and we will take all reasonable efforts to remove the information.
Access to and Control Over Your Information
You may cancel your registration at any time, and you may opt-out of receiving marketing contacts from us at any time. You can do the foregoing by contacting us via the email address or phone number given on our Website, and at the bottom of this Privacy Policy. You may also opt-out of receiving marketing emails from us by following the unsubscribe instructions included in each marketing email.
You may see what data we have about you, if any; change/correct any data we have about you; delete any information about you that we are not required by law to keep; and express any concern you have about our use of your data. We encourage you promptly to update your contact and personal information when it changes. You can do the foregoing by contacting us via the email address or phone number given on our Website, and at the bottom of this Privacy Policy.
For California Residents
Request to Know. You have the right to request to know: (i) the specific pieces of Personal Information we have collected about you; (ii) the categories of Personal Information we have collected about you in the last 12 months; (iii) the categories of sources from which that Personal Information was collected; (iv) the categories of your Personal Information that we sold or disclosed in the last 12 months; (v) the categories of third parties to whom your Personal Information was sold or disclosed in the last 12 months; and (vi) the purpose for collecting and selling your Personal Information. You may exercise your right to request to know twice a year, free of charge.
Please note, in response to a request to know, we are prohibited from disclosing your Social Security number, driver’s license number or other government-issued identification number, financial account number, any health insurance or medical identification number, an account password or security questions and answers.
Generally, in the past 12 months:
We collected the categories of Personal Information from the sources detailed above in “Information We Collect from You and from Third Parties”. The purposes for the collection of the Personal Information are described above in “How We Use Collected Information.”
Request to delete. You have the right to request that we delete the Personal Information that we have collected from you. We may deny your request under certain circumstances, such as if we need to comply with our legal obligations or complete a transaction for which your Personal Information was collected. If we deny your request to delete, we will let you know the reason why. You may submit a request for deletion via the following methods: E-mail info@contactdaa.com
Right to Non-Discrimination. If you choose to exercise any of these rights, we will not discriminate against you in any way. If you exercise certain rights, understand that you may be unable to use or access certain features of our Websites or services.
You have the right to know what personal information is sold, shared, or disclosed with third parties. As such, you may submit a verifiable consumer request via the following methods: E-mail us at info@contactdaa.com You may use an authorized agent to submit a request to know or a request to delete. When we verify your agent’s request, we may verify both your and your agent’s identity and request a signed document from you that authorizes your agent to make the request on your behalf. To protect your Personal Information, we reserve the right to deny a request from an agent that does not submit proof that they have been authorized by you to act on your behalf.
For Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal “do not call” list by calling 888-768-4767. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection
Office of the Nevada Attorney General
555 E. Washington St. – Suite 3900, Las Vegas, NV 89101
For Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies who are not affiliates, except as permitted by law, such as with your consent or to service your accounts. We will not share information about your creditworthiness with our affiliates without your authorization or consent but we may share information about our transactions or experiences with you with our affiliates without your consent
Right to Opt-Out of the Sale of Personal Information
You have the right to opt-out of the sale of your personal information. You may opt-out by emailing us at info@contactdaa.com and following the directions.
Questions and Comments
If you have any questions, comments or concerns regarding this Privacy Policy, please feel free to contact us at info@contactdaa.com
Last Updated: June 9, 2021