Information We Collect
cutmydebt.com (“CMD”) collects both information that may identify a particular individual (“Personally Identifiable Information”) and anonymous information that cannot be associated with a specific individual (“non-Personally Identifiable Information”) from or about users.
Personally Identifiable Information
CMD collects Personally Identifiable Information when you provide it through your use of the Website, such as by completing one or more stages of an online registration, subscribe to one of our services, or by sending questions to CMD via the Website. The types of Personally Identifiable Information CMD collects include: name, physical address, telephone number, social security number, email address, date of birth, driver’s license number and state, information about home ownership, citizenship status, employment information, active military information, amount and frequency of paychecks, and information about your banking account. The decision to provide this information is optional by the consumer, prospect, or customer; however, if you decide not to register or provide such information, you may not be able to use certain features of the Website or other services.
Non-Personally Identifiable Information
The types of non-Personally Identifiable Information that CMD collects (either directly, through the use of “cookies” or through the use of a third-party tracking system) include: the IP address of the computer making the request; your browser type and language; access times; information about areas of the Website visited by users of the site; information about the links that users may click to visit on the Website. IP addresses are not usually associated with your personal computer, but with a portal through which you accessed the Internet. IP addresses are not linked to Personally Identifiable Information. A “cookie” is a piece of information a website sends to your computer while you are viewing a website to remember who you are without personally identifying you. We may also utilize single-pixel GIF image files (“Web beacons”), Web server log analysis, and other similar technologies. Such information may be used to track usage trends and enhance the user experience, and may be shared with third-parties.
CMD may share this non-Personally Identifiable Information with its suppliers and other third-parties for the purpose of website statistical and trend analysis. This information is not linked to any Personally Identifiable Information. Information Collected by Third-Parties
CMD may allow third-parties, including advertising partners, to display advertisements on the Website. These companies may use tracking technologies, including cookies, to collect information about users of the Website who view or interact with these advertisements. CMD does not provide Personally Identifiable Information to these third-parties.
To the extent third-parties may place advertising on the Website, such third-parties may utilize cookies or other tracking technologies. We are not responsible for information collected by third-parties in this manner, nor for the collection or use of information by other sites to which the Website is linked.
How We Use Personal Information
We use your personal information and non-personal information for internal purposes, such as to provide you with the Website and services, to notify you of new products or services, and to otherwise communicate with you. You may be contacted by partners, or a similar but separate company on our behalf, or companies with whom we share information for marketing purposes. We may work with other businesses to bring select retail and/or service opportunities to our visitors. Such businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancements, suppression, and validation. We may use your PII to enforce the terms and conditions or perform any other function described to you at the time CMD collects the information.
The operator of this website does not make any credit decisions. Independent, participating debt relief companies and marketing partners that you might be connected with may perform credit checks in the form of a soft pull or hard pull with credit reporting bureaus or obtain consumer reports, typically through alternative providers to determine credit worthiness, credit standing and/or credit capacity. A soft pull is a type of credit inquiry that does not affect your credit score or appear on your credit report viewed by the debt relief companies/marketing partners. These soft pulls are conducted to assess your current financial situation and aid in the eligibility process. Please note that soft pulls are different from hard pulls, which can impact your credit score. By submitting your information, you agree to allow participating debt relief companies to verify your information and check your credit. Debt relief provided by independent, participating partners in our network are designed to provide debt relief services to you.
Sharing Your Personally Identifiable Information
CMD may share your personal information and non-personal information with third-parties for the purpose of allowing them to provide or market information about products and services that we think will be of interest to you.
From time to time, we may establish a business relationship with other businesses that we believe to be trustworthy and who have confirmed that their privacy practices are consistent with ours ("Service Providers"). For example, we may contract with Service Providers to provide certain services, such as hosting and maintenance, customer relationship management, data storage and management, and direct marketing campaigns. We provide our Service Providers with only the information necessary for them to perform these services on our behalf. Each Service Provider must agree to use reasonable security procedures and practices, appropriate to the nature of the information involved, in order to protect your Personal Information from unauthorized access, use or disclosure.
Any third-parties with whom CMD shares Information may have their own policies which describe how they use and disclose your information. Those policies will govern the use, handling, and disclosure of your information once CMD has transferred or shared it with those third-parties as described in this Policy or the CMD Terms and Conditions.
We may share personal information and non-personal information with businesses controlling, controlled by, or under common control with, us. If our company is merged, acquired, or sold, or in the event of a transfer of some or all of our assets, we may disclose or transfer personal information and non-personal information in connection with such transaction.
We cooperate with government and law enforcement officials and private parties to enforce and comply with the law. We may disclose personal information and non-personal information about you to government or law enforcement officials or private parties when compelled by law or court order to do so or if, at our discretion, we believe it is necessary or appropriate in order to respond to legal requests (including subpoenas and investigative demands), to protect the safety, property or rights of our company or of any third-party, to prevent or stop any illegal, unethical, or legally actionable activity, or to comply with the law.
Your Consent to Sharing
By providing personal information on or through the Website, or in connection with services provided by CMD thereon or in connection therewith, you agree that:
• All the information you have provided is true and correct to the best of your knowledge;
• You are allowing CMD, and ANY third-party partners of CMD to contact you about products or services; and
• CMD may buy, sell, rent, lease, share or provide other trusted third-party companies of CMD that you provided on this Website.
Links to Third-Party Websites
The Website’s policies, content, information, promotions, disclosures, disclaimers and features may be revised, modified, updated, and/or supplemented at any time and without prior notice at CMD’s sole and absolute discretion. Changes to this Policy will be posted on the Website and CMD will revise the “Effective” date at the top of this Policy. You should review this Policy each time you access the Website. If CMD makes any material changes in the way it collects, uses, and/or shares personal information that may impact you, CMD will notify you by prominently posting notice of the changes on this Website.
The Website is not intended for use by anyone under the age of 18 or the age of majority in your jurisdiction. CMD does not knowingly collect, retain, or share Personally Identifiable Information from children under the age of 18.
Protecting Children’s Privacy Online
The Website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personally Identifiable Information through the Website. We do not knowingly collect Information from children under 13. 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 or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.
CMD has put in place physical, procedural, and technological security measures to help prevent unauthorized access to and improper use of the Information CMD collects online. For example, only authorized employees and authorized third-parties are permitted to access such Personally Identifiable Information, and they may do so only for permitted business functions. No website or Internet network can be completely secure. Although CMD takes steps to secure your Information, CMD cannot and does not guarantee the security or integrity of the information. We shall have no liability for breaches of security or integrity or third-party interception in transit. Please be advised that any transmission of data, at or through the Website, is at your own risk.
Accessing Your Personally Identifiable Information
If you would like to review and/or request changes to the information that CMD has collected about you through your use of the Website, please contact CMD by writing or sending email to the addresses below.
Privacy Rights of California Residents: Companies that collect Personally Identifiable Information from California residents and disclose such Information to third-parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt out of having his or her Information shared with third-parties. CMD has elected the second option, and you may opt out by completing one or more forms on our OptOut page.
California residents are also entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to [email protected].
You may opt out of having information about you shared with third-parties (other than when required by law or court order or to process transactions to which you have consented), or from receiving future offers in connection with the Website, by following the instructions contained within each marketing communication or by emailing us at [email protected]. However, such opting out will not apply to any communications from our other website offerings you have registered for, or to our network partners or other third-parties to whom we may have already provided your information. Those third-parties' use of your information is subject to such parties' own privacy policies and opt-out procedures, for which we are not responsible.
Notice to Users Outside of the United States
Notification of Changes
If you have questions, comments, or concerns regarding our Privacy Statement, please write to us or click below to contact us.