Privacy Policy

At American Debt Help ("we," "us," or "our"), we are committed to protecting your privacy and personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website, use our services, or interact with us in any way.

Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us, including:

• Name, address, phone number, and email address
• Financial information such as income, debts, and credit information
• Social Security Number (when required for debt settlement services)
• Bank account information for payment processing
• Employment information and other financial details

Automatically Collected Information

When you visit our website, we may automatically collect certain information:

• IP address and browser information
• Device type and operating system
• Pages visited and time spent on our site
• Referring website information
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• Provide debt relief and settlement services
• Communicate with you about our services
• Process payments and maintain financial records
• Comply with legal and regulatory requirements
• Improve our website and services
• Send marketing communications (with your consent)
• Prevent fraud and ensure security

Information Sharing and Disclosure

We may share your information in the following circumstances:

Service Providers

We may share your information with trusted third-party service providers who help us operate our business, including payment processors, legal services, and technology providers. These parties are bound by confidentiality agreements.

Creditors and Collection Agencies

As part of our debt settlement services, we may share relevant information with your creditors and collection agencies to negotiate on your behalf.

Legal Requirements

We may disclose your information when required by law, court order, or government regulation, or to protect our rights and safety.

Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the new entity.

Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Access controls and authentication procedures
• Regular security assessments and updates
• Employee training on data protection
• Secure data storage and backup procedures

Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information (subject to legal requirements)
• Opt-out: Unsubscribe from marketing communications
• Portability: Request transfer of your data to another service provider

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your website experience and collect analytical information. You can control cookie settings through your browser preferences, though this may affect website functionality.

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand website usage
• Marketing Cookies: Used for targeted advertising
• Preference Cookies: Remember your settings and preferences

Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.

California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information to third parties.

Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this policy. We may retain certain information for longer periods as required by law or for legitimate business purposes.

International Data Transfers

If you are located outside the United States, please note that your information may be transferred to and processed in the United States, where data protection laws may differ from those in your country.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or applicable laws. We will notify you of material changes by posting the updated policy on our website and updating the effective date.