Last Updated: May 11, 2016

This Online Privacy Policy (hereinafter sometimes referred to as the “Notice”) applies to this CommunityDebtHelp.com online interface (i.e. website or mobile application) owned and operated by Community Debt Help (“Company”), and any Company affiliate or subsidiary online interface that links to the Notice (each, a Site, and, collectively, Sites). This Notice outlines how Sites may collect, use and share information from or about you, and explains how information may be collected and used for advertising purposes. This Privacy Policy is intended to help you understand the online information security practices of Company. For additional details about the Site and the information provided on the Site, please review our Terms and Conditions of Use.

Agreement to this Policy: By visiting this Site, and/or submitting any information on any of the forms linked to this Privacy Policy you are accepting the practices described herein.

You must be at least 18 years old to use our Sites. We do not knowingly collect, use or disclose Personal Information about visitors under 18 years of age. If you are the parent or guardian of a minor under 18 years of age and believe that such minor has disclosed Personal Information to us, please contact us at so that we may delete the minor's information from our database.

Consent: You agree to share your information with our network of companies for them to contact you (including through automated means; e.g. autodialing, text and pre-recorded messaging) via telephone, mobile device (including SMS and MMS) and/or email, even if your telephone number is currently listed on any state, federal or corporate Do Not Call list. You understand that consent is not a condition of purchase.

1. How we collect information

User IP Address

Each time a visitor/user (a “User”) visits the Site, our web server automatically recognizes the User's IP address and the Web page from which the User came. The User's IP address is used to help identify the User and to gather broad demographic information about the User. We also use IP addresses collected to help diagnose problems with our servers, to administer the Sites, and to better serve Users in using the services and features of the Sites.

Cookies and Action Tags

The first time a User provides an e-mail address in connection with their activities at a Site, we assign an identification number to that e-mail address and deploy a cookie to the User's computer/device. Whenever that user comes back to a Site using the same computer/device, the cookie allows the Site to identify the User and to recall the User's e-mail address. If, at any time, a user provides other information in connection with their activities on a Site (such as name, address, birth date, gender, etc.), we may store that information, along with the user's e-mail address, in our user database. We may use the information stored in our database (i) for the purpose for which the information was originally provided by a user; (ii) to pre-populate information fields in the event a User wishes to sign up for and/or subscribe to services, promotions or offers in the future; (iii) to ensure that a User will not be repeatedly exposed to the same ads, offers and promotions while visiting Sites; and (iv) to, in connection with regular communication with a User, include offers, promotions or advertisements historically, or likely to be, of interest to that User.

Action Tags, Web Beacons and other Data Collection Methods: An action tag or a web-beacon (also known as a clear gif or a pixel tag) is a method used to track responses or actions by visitors who view certain advertisements or other information on a site. Action tags are 1x1 pixel images embedded in a website page that are used to transparently collect information. We may use action tags to count the number of times that visitors click on a particular banner ad or visit the pages of our Sites and to provide information about what products are viewed or purchased.

Personal Information

For the purposes of this Privacy Policy, “Personal Information” shall mean individually identifiable information from or about an individual including, but not limited to: (a) a first and last name; (b) a home or other physical address, including street name and name of city or town; (c) an e-mail address or other online contact information, such as an instant messaging user identifier or a screen name that reveals and individual's e-mail address; (d) a telephone number; (e) a Social Security number; (f) a persistent identifier, such as a customer number held in a cookie or processor serial number, that is combined with other available data that identifies and individual; (g) age; (h) income level; (i) hobbies, buying patterns or preferences; or (j) any other information from or about an individual that is combined with any of (a) through (i) above. By registering with, or providing Personal Information to a Site, as well as providing permission to receive marketing offers, Users allow us, our affiliates, partners and certain approved third parties to make their personally identifiable information available to third parties in accordance with the terms of this Privacy Policy and the Privacy Policy of the respective affiliated sites. We may collect "Personal Information" from a User visiting our Site.

2. How We Use Personal Information

Information collected may be transmitted to our approved advertising and marketing partners, our affiliated companies, or certain other approved third parties interested in providing users with information or services that you may request or for other marketing and promotional purposes. Below is a more specific description:

Service Providers

We may disclose your personal information to other companies that help us process or service your requests. Please be assured that the companies we hire to process or service your requests or correspond with you are not allowed to use your personal information for their own purposes and are contractually obligated to maintain strict confidentiality.

Legal Obligations

We may disclose or report your personal information when we believe, in good faith, that the disclosure is required or permitted under law, for example, to cooperate with regulators or law enforcement authorities or to resolve consumer disputes.

Business Transition

If we are involved in a merger, acquisition, or sale of all or a portion of its assets, you will be notified via email and/or a prominent notice on our Site of any change in ownership or uses of your personal information, as well as any choices you may have regarding your personal information.

Customer satisfaction, referrals and other products

We or our wholly-owned subsidiaries may contact you to survey your satisfaction of our service, refer our products and services to other people, and/or to inform you of additional products and services. You may opt out of receiving these additional communications from us by following the opt-out procedures below.

We may also use Personal Information:

• to respond to your inquiries and fulfill your requests;
• to inform you about important information regarding the Site, products or services for which you apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative information;
• to deliver marketing communications that we believe may be of interest to you, including, ads or offers tailored to you, including ads on other websites;
• to personalize your experience on the Site;
• to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to your services, conduct online transactions and to maintain measures aimed at preventing fraud and protecting the security of your personal information;
• to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions and to administer these activities. Some of these activities have additional rules, which may contain additional information about how Personal Information is used and shared;
• to send you e-mails regarding system downtime and/or changes to this Privacy Policy or the Terms and Conditions of Use.
• collected through our social media pages and other online interactions with you to assist in verifying your identity and account status. We may combine this online information with information collected from offline sources or information we already have;
• for business purposes, including data analysis, audits, developing and improving products and services, enhancing the Site, identifying usage trends and determining the effectiveness of promotional campaigns; and
• for risk control, for fraud detection and prevention, to comply with laws and regulations, and to comply with other legal process and law enforcement requirements.

We may also combine the information we have gathered about users with information from other sources. We may use third parties to help us operate our business and the Sites or administer activities on our behalf.

You may, at any time, notify us that you do not wish to have your Personal Information disclosed to third parties for offers and promotions by sending an e-mail to support@communitydebthelp.com.

3. How We Use Demographic Information

We use demographic information to tailor Sites to the interests of our users. Demographic information is shared with advertisers so that they can tailor their advertisements to the appropriate audience. Demographic information may also be shared with other third parties.

4. Other Sites

Other sites accessible through our Sites have their own privacy policies and data collection, use and disclosure practices. Please consult each site's privacy policy. We are not responsible for the policies or practices of third parties. Please be aware that our Sites may contain links to other sites on the Internet that are owned and operated by third parties. The information practices of those websites linked to our Sites are not covered by this Privacy Policy. These other sites may send their own cookies to users, collect data, or solicit Personal Information. Additionally, other companies that place advertising on our Sites may collect information about you when you view or click on their advertising through the use of cookies. We cannot control this collection of information. You should contact these advertisers directly if you have any questions about their use of the information that they collect.

On behalf of various sponsors, we may provide sponsored links to third-party websites. If you click on a sponsored link or banner ad, a "window" or "frame" containing a third-party's web site may appear in the foreground with a Site in the background. Unless you are on one of our Sites, any time that you have moved to a window, you should assume that your Personal Information is being collected, used and disclosed in accordance with the windowed site's privacy policy (if any). If you are unsure as to whose privacy policy applies, please contact us by e-mail at support@communitydebthelp.com.

5. Our Security Precautions

The Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. We encrypt all of your personal and financial information and use our best efforts to prevent it from being read or intercepted as the information travels over the Internet. While we follow generally accepted industry standards to protect the Personal Information submitted to us (both during and once we receive it), no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

6. Removal of Your Information/Opting Out

At your request, we will remove Personal Information that users have provided to us from our database. Users may make such request by e-mailing support@communitydebthelp.com. However, deleting Personal Information or otherwise opting-out of receipt of communications from us or third parties will only change or delete the data in our database for purposes of transacting future business on a Site and for managing future communications from us and third parties. These deletions will not change or delete Personal Information already collected as part of a particular transaction in our database, which may have already been shared with third parties, all as provided above in this Privacy Policy. Users may need to contact third parties who may contact you directly in order to change the preferences for the use of personal information that they may have or use.

We provide users the option to opt-out from receiving information sent via electronic mailings on behalf of third party advertisers. Users may unsubscribe from receiving e-mails at any time by following the instructions contained at the end of every e-mailing. Unsubscribe requests can only be processed if you have registered with us in the first instance. If you have not registered with us and wish to opt out of receiving e-mails from a particular sender, please consult that sender's opt out policies or contact that sender directly.

Information sent on behalf of third party advertisers is prepared several days in advance, so Users may continue to receive e-mail from us for up to 5 days after following the unsubscribe procedures detailed above. If after that point a user is still receiving email from us, the User should contact us at or by mail at:.

15333 Culver Dr.
Suite 340-244
Irvine, CA 92604

8. State-Specific Disclosures

California Do Not Track Disclosures

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit CommunityDebtHelp.com?

Yes.

Notice to California Residents

In response to a California law, we will automatically treat accounts with California billing addresses as if you requested CommunityDebtHelp.com to not share your information with non-affiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

Residents of the State of California may request a list of all third-parties to which this website has disclosed certain information during the preceding year for those third-parties' direct marketing purposes. If you are a California resident and want such a list, please contact us at support@communitydebthelp.com.

For all requests, you must put the statement "California Shine the Light Privacy Request" in the body of your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests that are not labeled or sent properly, or that do not have complete information.

Notice to Vermont Residents

In response to Vermont regulations, CommunityDebtHelp.com automatically treats accounts with Vermont billing addresses as if you requested that CommunityDebtHelp.com not share your information with non-affiliated third parties, and that CommunityDebtHelp.com limit the information it shares with its affiliates. If CommunityDebtHelp.com discloses information about you to non-affiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. 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; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

9. Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

10. Protecting children’s privacy online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children's Online Privacy Protection Act (COPPA). If you believe that CommunityDebtHelp.com has received information from a child or other person who is not a majority age in their relevant jurisdiction, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.

11. Changes to the Privacy Policy

We reserve the right to change the terms of this Privacy Policy. Since any changes will be posted on this page, we encourage you to check this page regularly. If we make changes to the Privacy Policy, we will revise the “Last Updated” date at the top of this Notice. Any changes to this policy shall be effective immediately upon posting them here. Your use of this Site following such changes means that you accept the revised Notice.

12. Contact Us

If you have any questions or suggestions about this Privacy Policy, the practices of a Site, or your dealings with this Site, please email us at support@CommunityDebtHelp.com, or write us at:

15333 Culver Dr.
Suite 340-244
Irvine, CA 92604

PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.