|
Privacy Policy
INFORMATION COLLECTION
Debt Reduction America, Inc (“Debt Reduction America”) is the sole owner
of the information collected on its web sites and on the replicated Debt
Reduction America web sites that it provides for use by visitors (hereafter the
“web sites”). Debt Reduction America collects information from
visitors (“Visitors”) and customers at different points on the web sites.
Personally Identifiable Information
Through your use of the web sites, you may be required or requested to
provide personally identifiable information to Debt Reduction America.
Personally identifiable information is any piece of information which can
potentially be used to uniquely identify, contact, or locate a single person
including names, addresses, email addresses, telephone numbers, social security
and tax identification numbers, and credit card information.
Profile Information
Debt Reduction America stores information that it collects through cookies,
log files, clear gifs, and/or third parties to create a profile of visitors to
the web sites (“users”). A profile is stored information that Debt
Reduction America keeps on individual users, including visitors and customers,
that details their viewing preferences. Consequently, collected
information is tied to the user’s personally identifiable information to
provide offers and improve the content of the site for the user. This profile is
used to tailor a user’s visit to the web sites, and to direct pertinent
marketing promotions to them. Debt Reduction America does not share
profile information with other third parties.
Cookies
A cookie is a piece of data stored on a user’s computer tied to information
about the user. Usage of a cookie is in no way linked to any personally
identifiable information while on the web sites. Debt Reduction America
uses both session ID cookies and persistent cookies. For the session ID
cookie, once users close the browser, the cookie simply terminates. A
persistent cookie is a small text file stored on the user’s hard drive for an
extended period of time. Persistent cookies can be removed by following Internet
browser help file directions.
By setting a cookie on a user’s computer, users do not have to log in a
password more than once, thereby saving time while at the web sites. If a
user rejects the cookie, the user will still be able to use the site. The
only drawback to this is that the user may need to enter his or her password
every time he or she accesses the site.
Log Files
Like most standard web site servers Debt Reduction America’ web sites use
log files. This includes internet protocol (IP) addresses, browser type,
internet service provider (ISP), referring/exit pages, platform type, date/time
stamp, and number of clicks to analyze trends, administer the site, track
user’s movement in the aggregate, and gather broad demographic information for
aggregate use. IP addresses, etc. are not linked to personally
identifiable information. IP addresses are tied to personally identifiable
information to enable our web-based service.
Clear Gifs (Web Beacons/Web Bugs)
Debt Reduction America employs a software technology called clear gifs
(a.k.a. Web Beacons/Web Bugs), that help Debt Reduction America to better manage
content on the web sites by informing it what content is effective. Clear
gifs are tiny graphics with a unique identifier, similar in function to cookies,
and are used to track the online movements of users. The main difference between
the two is that clear gifs are invisible on the page and are much smaller, about
the size of the period at the end of this sentence. Clear gifs are tied to
users’ personally identifiable information.
In addition, Debt Reduction America uses clear gifs in its HTML-based emails
to let it know which emails have been opened by the recipients. This
allows Debt Reduction America to gauge the effectiveness of certain
communications and the effectiveness of our marketing campaigns. If users
would like to opt-out of these emails, please see the Opt-out section.
COMMUNICATIONS FROM THE WEB SITES
Special Offers and Updates
Debt Reduction America sends all new visitors and Registered Customers a
welcoming email to verify password, username, and acceptance of the Associate
Agreement or Customer Agreement. All visitors and Registered Customers
will occasionally receive information on products, services, special deals, and
a newsletter. Customers who have not registered with Debt Reduction
America and who grant permission will also receive occasional information on
products, services, special deals, and the like.
Service Announcements
On rare occasions it is necessary to send out a strictly service related
announcement. For instance, if our service is temporarily suspended for
maintenance we might send visitors and/or customers an email. Generally,
visitors may not opt-out of these communications, though they can deactivate
their account. However, these communications are not promotional in
nature.
Associate Service
Debt Reduction America communicates with visitors via email, regular mail and
telephone on a regular basis to provide requested services and in regards to
issues relating to their Debt Reduction America business.
SHARING
Legal Disclaimer
Though Debt Reduction America makes every effort to preserve user privacy,
Debt Reduction America may need to disclose personal information when required
by law wherein we have a good-faith belief that such action is necessary to
comply with a current judicial proceeding, a court order or legal process served
on Debt Reduction America.
Aggregate Information (non-personally identifiable)
Debt Reduction America shares aggregated demographic information with our
partners and advertisers. This is not linked to any personally
identifiable information.
These are the instances in which we will share users’ personal
information:
Debt Reduction America DOES NOT Share Personally Identifiable Information about
users with any Third Parties except as specifically set forth in this Privacy
Policy.
Service Providers
Debt Reduction America partners with other third parties to provide specific
services. Marketing Material and Forms. Third parties are not allowed to
use personally identifiable information except for the purpose of providing
these services.
Business Transitions
In the event Debt Reduction America goes through a business transition, such
as a merger, being acquired by another company, or selling a portion of its
assets, the personal information of visitors will, in most instances, be part of
the assets transferred. visitors will be notified prior to a change of
ownership or control of their personal information. If as a result of the
business transition, an Associate’s personally identifiable information will
be used in a manner different from that stated at the time of collection the
Associate will be given choice consistent with our notification of changes
section.
Choice
Users are always notified when their information is being collected by any
outside parties. We do this so users can make an informed choice as to
whether or not they should proceed with services that require an outside party.
Links
Debt Reduction America’ web sites may contain links to other sites. Please
be aware that Debt Reduction America is not responsible for the privacy
practices of such other sites. We encourage users to be aware when they
leave our site and to read the privacy statements of each and every web site
that collects personally identifiable information. This privacy statement
applies solely to information collected by Debt Reduction America web sites.
Security
Debt Reduction America takes every precaution to protect all users’
information. When users submit sensitive information via Debt Reduction
America’ web sites, their information is protected both online and off-line.
When the Associate Application, Customer Registration, and/or online order
forms ask users to enter sensitive information (such as credit card number
and/or social security number), that information is encrypted and is protected
with the best encryption software in the industry - SSL. While on a secure
page, such as the Associate Application and Agreement and online order forms,
the lock icon on the bottom of web browsers such as Netscape Navigator and
Microsoft Internet Explorer becomes locked, as opposed to un-locked, or open,
when users are just ‘surfing’.
While Debt Reduction America uses SSL encryption to protect sensitive
information online, the Company also does everything in our power to protect
user information off-line. All user information, not just the sensitive
information mentioned above, is restricted in Debt Reduction America’ offices.
Only employees who need the information to perform a specific job are granted
access to personally identifiable information. ALL employees are kept
up-to-date on Company security and privacy practices. Finally, the servers
that store personally identifiable information are in a secure environment.
Associate and Customer Registration
In order to become an Associate, an applicant must first complete and submit
the Associate Application and Agreement (“Agreement”). During
enrollment an applicant is required to provide contact information (such as
name, mailing address, telephone numbers, and email address). We use this
information to maintain contact with the Associate as is necessary pursuant to
the Agreement. Debt Reduction America also requires an applicant’s
Social Security Number or Federal Tax ID Number so that Debt Reduction America
may prepare and file necessary non-employee compensation forms for the IRS.
Certain customers may be required to register in order to purchase products
directly from Debt Reduction America (“Registered Customers”).
Registered Customers will be required to provide contact information (such as
name, mailing address, telephone numbers, and email address) and payment
information (such as credit card or checking account information). We use this
information to maintain contact with the customer and to process the Registered
Customer’s orders. We also collect information on customers relevant to their
debt settlement program.
MISCELLANEOUS
Changes to this Privacy Policy
Debt Reduction America reserves the right to amend or change this Privacy
Policy at any time at its sole discretion. It is your responsibility to
periodically access this Privacy Policy by clicking on the Privacy Policy
link at our home page. When material changes or amendments are made to the
Privacy Policy, we will announce the same at our home page for a period of 30
days following implementation of the amended Privacy Policy.
Making Changes to Your Personally Identifiable Information
You may update your personal information as necessary by
contacting Debt Reduction America at (888) 827.6740, which allows you to
access and edit your registration account information.
Questions
Questions regarding this Privacy Policy should be directed below:
privacy @debtreductionamerica.com
or by mail to Debt Reduction America, 5010 W Carmen St Tampa FL 33609
.
Effective Date
The effective date of this Privacy Policy is Feb 15thth, 2008.
| 
