Privacy Policy

We care about your privacy and want you to feel comfortable and secure in your use of our site

At DebtAdvocates, Inc. (“Debt-Advocates.com”), we care about your privacy and want
you to feel comfortable and secure in your use of our site (www.Debt-
advocates.com). That is why we do not sell or share personal information about
you with other people or non-affiliated companies apart from providing products
or services you have specifically requested.

We urge you to read this notice explaining our online information practices. It also
describes the choices available to you regarding the use of, your access to, and how to
update and correct your personal information. By using this site, you are accepting the
practices described in this Privacy Policy.

Information Collection and Use

Personal Information – this is “individually identifiable” information you provide to us
when requesting information through our site.

We collect and use personal information about you to respond to any requests you
make for information, products and/or services offered through this website. We may
also collect information in order to inform you about products, services, and other
opportunities we think will be of interest to you. Even though some personal information
we gather from you may be considered publicly available through government records
or other public sources, we treat all personal information submitted by you as nonpublic
personal information.

The information we collect may be from the following places:

Information you supply to us when you sign up to receive communication from us (example:
your email address).

Information provided by you in association with obtaining financial products or services (such as
your name, age, telephone number, self-assessed property value).
Information you provide us through surveys, feedback, promotions or other forms hosted on our
website or the pages of a Debt-advocates.com partner.
Information about others such as name and age.
Information Sharing and Disclosure
We do not sell and share personal information about you with other people or non-
affiliated companies apart from providing products or services you have specifically
requested or under the following conditions:

Product or Service Requests – If you enter a request for a financial, insurance or
other product or service offered through this website with your consent, we will share
personal information included in your request form, such as your name, email, physical
address, telephone number, and property information, with lenders and partners in our
provider network who offer the product you inquired about and like products with similar
benefits to process and complete your request. Everyone on our network of providers,
including banks, brokers and other firms has entered into a marketing agreement with
Debt-advocates.com and are required to comply with state and federal privacy laws and
regulations.
Debt-advocates.com and Partners on our provider network may contact you by
telephone (including calls to a mobile phone or calls made using automated dialing),
email, direct mail or any other method they may deem appropriate based on the
information you supplied to us in order to process and complete your request, even if
you have opted into the National Do Not Call List administered by the Federal Trade
Commission or any state equivalent Do Not Call List. If any of these firms calls you by
telephone and you wish not to be contacted again by that firm, then you should notify
that firm that you do not wish to be contacted again. If a firm ignores your request and
contacts you again, please contact us immediately by sending an email to info@debt-

advocates.com. Please note that the lenders and other firms may maintain the
information you provided whether you choose to use their services or not.
Vendors – We sometimes share some of the information we collect with companies,
such as marketing partners or other third parties that provide certain services for us
such as marketing services, data verification and live chat. We may use the personal
information that you supply to us and we may work with other third parties to bring
selected retail opportunities to you via direct mail, email and telemarketing. These
companies only have access to personal information necessary to deliver their service,
and may not share it with others or use it for any other purpose – these limits are
specified in confidentiality and other legal agreements with us. If you do not want us to
share your personal information with these companies, contact us at info@debt-
advocates.com.
As Permitted by Law – In certain situations, DebtAdvocates Inc. may be required to
disclose personal data in response to lawful requests by public authorities, including to
meet law enforcement requirements. We may be required to share your personal
information with law enforcement or government agencies in response to subpoenas,
court orders, similar legal processes or like circumstances. When we believe in good
faith that disclosure is necessary to protect our rights, protect your safety or the safety
of others. It may be necessary to share information in order to investigate, avert, or take
action regarding illegal behavior, suspected fraud, and/or violations of Debt-
advocates.com’s Terms of Use, or as otherwise required by law.
Business Transfer – At some point it is possible that DebtAdvocates could merge with
or be acquired by another company, you will be notified via email and/or a prominent
notice on our Web site of any change in ownership or uses of your personal information,
as well as any choices you may have regarding your personal information. If such an
acquisition occurs, the successor company would have access to the information
maintained by Debt-advocates.com, including customer account information, but would
continue to be bound by this Privacy Policy unless you agree otherwise.

Advertisements
We partner with a third party to either display advertising on our Web site or to manage
our advertising on other sites. Our third party partner may use technologies such as
cookies to gather information about your activities on this site and other sites in order to
provide you advertising based upon your browsing activities and interests. 

To opt-out of interest-based advertising by participating companies in the following
consumer choice mechanisms, please visit:

 Digital Advertising Alliance (DAA)’s self-regulatory opt-out page
(https://optout.aboutads.info/) and mobile application-based “AppChoices” download page
(https://youradchoices.com/appchoices)
 European Interactive Digital Advertising Alliance (EDAA)’s consumer opt-out page
(https://youronlinechoices.eu)
 Network Advertising Initiative (NAI)’s self-regulatory opt-out page
(https://optout.networkadvertising.org/)
Please note this does not opt you out of being served ads.  You will continue to receive
generic ads.
Anti-Spam Policy
With the exception of transactional email messages confirming or following up an action
you’ve taken on our website, such as requesting information or registering a
“Retirement Planner” account, Debt-Advocates.com will only send email
communications to you if you opt to submit your email address to us or register to
receive them. With the exception of transactional email messages confirming or
following up an action you’ve taken on our website, such as requesting information or
registering a “Retirement Planner” account, DebtAdvocates will include an opt-out
opportunity to unsubscribe in all email communications; you may also opt out through
info@debt-advocates.com. Sometimes, you may also receive emails that advertise
Debt-Advocates.com’s services from third party publishers. We do not tolerate Spam
and have established firm rules for dealing with any third party email services to ensure

that advertisements for Debt-advocates.com are not sent out through a “Spam” mailing.
Any third party email publishers that refuse to abide by Debt-advocates.com’s anti-
Spam policy will be dropped as service providers. If you want to stop receiving emails
from a third party, you should follow the opt-out instructions included in the third party
email so that you will not be included in any future mailings. If the third party email
publisher is unresponsive to your requests, please let us know at info@debt-
advocates.com.
IP Addresses and Cookies
As is true of most web sites, we gather certain information automatically and store it in
log files. This information may include internet protocol (IP) addresses, browser type,
internet service provider (ISP), referring/exit pages, operating system, date/time stamp,
and/or clickstream data.
We may combine this automatically collected log information with other information we
collect about you. We do this to improve services we offer you and to improve
marketing, analytics, and site functionality.
We DebtAdvocates, Inc. and our partners use technologies such as cookies or similar
technologies to analyze trends, administer the website, track users’ movements around
the website, and to gather demographic information about our user base as a whole.
Users can control the use of cookies at the individual browser level.
Framing – Some of our pages utilize framing and/or masking techniques to serve
content from our partners while preserving the look and feel of our site. Please be
aware that you are providing your personal information to these third parties and not to
www.Debt-advocates.com.
Google OAuth, Facebook Connect or other OpenID provider – You can log in to our
site using sign-in services such as Google OAuth, Facebook Connect or an Open ID
provider. These services will authenticate your identity and provide you the option to
share certain personal information with us such as your name and email address to pre-

populate our sign up form. Services like Facebook Connect give you the option to post
information about your activities on this Web site to your profile page to share with
others within your network.

Social Media (Features) and Widgets – Our Web site includes Social Media Features,
such as the Facebook Like button [and Widgets, such as the Share this button or
interactive mini-programs that run on our site]. These Features may collect your IP
address, which page you are visiting on our site, and may set a cookie to enable the
Feature to function properly. Social Media Features and Widgets are either hosted by a
third party or hosted directly on our Site. Your interactions with these Features are
governed by the privacy policy of the company providing it.
Public Forums – Our blog is managed by a third party application that may require you
to register to post a comment.  We do not have access or control of the information
posted to the blog.  You will need to contact or login into the third party application if you
want the personal information that was posted to the comments section removed.  To
learn how the third party application uses your information, please review their privacy
policy.
Testimonials – With your consent we may post your testimonial along with your name.
If you want your testimonial removed please contact us at info@debt-advocates.com. In
some cases, we may not be able to remove your personal information, in which case we
will let you know if we are unable to do so and why.
Confidentiality and Security
The security of your personal information is very important at Debt-advocates.com, and
we take a number of steps to safeguard it. For example:

We limit access to personal information to those employees or agents who have a need to know
such information in order to assist in providing requested products and services to you. They
are required to adhere to strict policies and procedures regarding the handling of your personal
information.

We use industry standard data encryption technologies when sending and receiving consumer
information on the Debt-advocates.com website.
We maintain physical, electronic, and procedural safeguards that comply with federal standards
to protect personal information about you.
No method of transmission over the Internet, or method of electronic storage, is 100%
secure, however. Therefore, we cannot guarantee its absolute security.
Opting-Out
If you register or otherwise opt to receive communications from us, such as completing
an online form, we will periodically send you newsletters and other e-mails featuring
educational information, special offers, and other members-only benefits. If you would
like to stop receiving these communications, send an email to info@debt-
advocates.com (you may also opt-out by clicking on the unsubscribe link in our emails).
Our email database is updated regularly. However, you may continue to receive email
communications from us up to ten business days from the time we receive your
unsubscribe request.
Third Party Links
This Privacy Policy applies to all information that you provide to Debt-advocates.com.
Please keep in mind, when you visit websites to which Debt-advocates.com provides a
link, you will be dealing with a third party that operates under its own privacy and
security policy. If you choose to obtain certain services through a third party site, the
data collected by the third party is covered by that third party’s privacy policy. We
recommend you review the privacy policies of any other service provider from whom
you request services.
Children’s Privacy
Debt-advocates.com does not knowingly collect information from children under the age
of 16. If we learn that we have collected Personal Information of a child under the age of
16, we will delete that data from our systems.

Updating Your Information
Upon request DebtAdvocates Inc. will provide you with information about whether we
hold any of your personal information. You also have the right to amend or update
inaccurate or incomplete personal information, request deletion of your personal
information, or request that we no longer use it. Under certain circumstances we will not
be able to fulfill your request, such as if it interferes with our regulatory obligations,
affects legal matters, we cannot verify your identity, or it involves disproportionate cost
or effort, but in any event we will respond to your request within a reasonable timeframe
and provide you an explanation. In order to make such requests of us, please contact
Debt-advocates.com or info@debt-advocates.com. You can also write us at the address
below and request that your personal information be updated. We will respond to your
request within a reasonable timeframe (no more than 45 days).
We will retain your information for as long as your account is active or as needed to
provide you services. If you wish to cancel your account or request that we no longer
use your information to provide you services contact us at info@debt-advocates.com.
We will retain and use your information as necessary to comply with our legal
obligations, resolve disputes, and enforce our agreements.

If you are a California, Colorado, Utah, or Virginia consumer, for more information about
your privacy rights, please see the section of this Privacy Policy called State Consumer
Privacy Statement.
Questions and Suggestions
If you have any questions, concerns or suggestions about our Privacy Policy, you may
contact us:

By sending an email to: info@Debt-advocates.com
By sending a letter to:
DebtAdvocates, Inc.
Attn: Customer Service

138 E 12300 S
Ste C-457
Draper, UT 84020
Changes to this Privacy Policy
Debt-advocates.com may update or amend this Privacy Policy from time to time. Any
material changes to this Privacy Policy or in how Debt-advocates.com uses your
personal information, will be posted here. You will be notified prior to the change
becoming effective if any of the material changes affect the use of your personal
information and will be asked to opt-in to the new use of your personal information. If
you disagree with the changes to how your information will be used, please do not
continue to use this website.

By using this site, you signify your assent to the Debt-advocates.com Privacy Policy. If
you do not agree to this policy, please do not use any of the Debt-advocates.com site.
When you request information or quotes through Debt-advocates.com, you are
authorizing us to share information with our business partners, who may contact you by
phone, email, or mail. If you do not wish to receive any further communications from
them, please notify the partner directly. We reserve the right to make updates to this
policy at any time and ask you to please check the policy each time you use our website
to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will
include the date it was last updated. Your continued use of our site will signify your
acceptance of the changes to our Privacy Policy.
Last updated: June 25, 2024