Privacy Policy

1. Introduction

Federal Debt Help ("Company," "we," "us," or "our") operates the website federaldebthelp.com (the "Site"). This Privacy Policy describes how we collect, use, disclose, and protect personal information when you visit the Site, submit a form, call us, send us a text message, or otherwise interact with our services.

Federal Debt Help is a private company and is not affiliated with any government agency. By accessing or using the Site, you acknowledge that you have read and understood this Privacy Policy. If you do not agree, please discontinue use of the Site immediately.

This policy should be read in conjunction with our Terms of Service and Disclosures page.

2. Information We Collect

2.1 Information You Provide Directly

When you submit a form, call us, text us, or otherwise interact with us, you may provide:

• Full name
• Email address
• Phone number (landline or mobile)
• Mailing address
• Estimated debt amount and types of debt
• Employment and income information
• Financial hardship details you choose to share
• Any other information you voluntarily provide during a consultation

2.2 Information Collected Automatically

When you visit the Site, we may automatically collect:

• IP address and approximate geographic location
• Browser type, operating system, and device identifiers
• Pages visited, time spent on pages, and referring URL
• Click behavior and interaction data
• Cookies, web beacons, and pixel tags (see Section 5)

2.3 Information from Third Parties

We may receive information about you from third-party sources including advertising platforms (Google, Meta/Facebook), analytics providers, data enrichment services, and marketing partners, which we may combine with information we collect directly.

3. How We Use Your Information

We use your personal information for the following purposes:

• Service delivery: To evaluate your financial situation, recommend debt relief options, and connect you with appropriate programs or service providers.
• Communication: To contact you by phone, email, or text message regarding your inquiry, consultation, or enrollment status.
• Marketing: To send promotional materials, special offers, or educational content related to debt relief, with your consent where required by law.
• Advertising optimization: To measure the effectiveness of our advertising campaigns and optimize targeting on platforms like Google Ads and Meta (conversion tracking, lookalike audiences).
• Analytics: To understand how visitors use the Site so we can improve the user experience.
• Legal compliance: To comply with applicable laws, regulations, and legal processes.
• Fraud prevention: To detect, prevent, and respond to fraud or security issues.

4. How We Share Your Information

We do not sell your personal information in exchange for monetary compensation. However, we may share your information in the following circumstances:

• Service providers & partners: We may share your information with third-party debt relief providers, financial service companies, or partner organizations that may be able to assist you. If we connect you with a third-party provider, that provider's own privacy policy will govern their use of your data.
• Lead generation: If we operate as or work with lead generators, your information may be shared with one or more qualified debt relief companies who may contact you. By submitting a form on this Site, you consent to this sharing.
• Technology vendors: We use third-party services for hosting, analytics (Google Analytics), advertising (Google Ads, Meta Pixel), CRM systems, email delivery, and call tracking. These vendors may process your data on our behalf.
• Legal requirements: We may disclose your information when required by law, subpoena, court order, or government request, or to protect our rights, property, or safety.
• Business transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

5. Cookies & Tracking Technologies

We use cookies, pixel tags, and similar technologies to:

• Remember your preferences and form entries
• Track website usage and performance
• Serve and measure the effectiveness of advertising
• Enable retargeting on third-party platforms

Types of cookies we use:

• Essential cookies: Required for basic Site functionality.
• Analytics cookies: Help us understand how visitors interact with the Site (e.g., Google Analytics).
• Advertising cookies: Used to deliver relevant ads and track conversions (e.g., Google Ads conversion tag, Meta Pixel, Conversions API).

You can manage cookie preferences through your browser settings. Disabling cookies may affect Site functionality. For more information on opting out of interest-based advertising, visit optout.aboutads.info or optout.networkadvertising.org.

6. Telephone & SMS Communications (TCPA)

By providing your phone number on this Site (via form, chat, or text message), you expressly consent to receive:

• Phone calls (including via autodialer or prerecorded voice) from Federal Debt Help and/or our partners regarding your debt relief inquiry
• Text (SMS/MMS) messages related to your inquiry, appointment reminders, and promotional messages

This consent is not a condition of purchasing any service. Message and data rates may apply. Message frequency varies. You may opt out at any time by replying STOP to any text message or by calling us at 1-800-332-8477.

By providing consent, you acknowledge that you are the subscriber or customary user of the phone number provided and that you are authorized to give this consent. This consent applies to calls and messages sent via any technology, including automatic telephone dialing systems, as defined under the Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227.

7. Your Rights & Choices

Depending on your state of residence, you may have the following rights:

• Access: Request a copy of the personal information we hold about you.
• Correction: Request correction of inaccurate personal information.
• Deletion: Request deletion of your personal information, subject to legal exceptions.
• Opt-out of marketing: Unsubscribe from marketing emails by clicking "unsubscribe" in any email, or by contacting us. Opt out of text messages by replying STOP.
• Do Not Call: Request placement on our internal Do Not Call list.

To exercise any of these rights, contact us at privacy@federaldebthelp.com or call 1-800-332-8477. We will respond within the timeframe required by applicable law.

8. California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA):

• Right to know: You may request the categories and specific pieces of personal information we have collected, the sources, the business purpose, and the categories of third parties with whom we share it.
• Right to delete: You may request deletion of your personal information, subject to certain exceptions.
• Right to correct: You may request correction of inaccurate personal information.
• Right to opt out of "sale" or "sharing": Under the CCPA, sharing personal information with advertising partners for cross-context behavioral advertising may constitute a "sale" or "sharing." You have the right to opt out. To exercise this right, contact us at privacy@federaldebthelp.com with the subject line "Do Not Sell or Share My Personal Information."
• Right to non-discrimination: We will not discriminate against you for exercising your CCPA rights.

To submit a verifiable consumer request, email privacy@federaldebthelp.com or call 1-800-332-8477. We may need to verify your identity before processing your request.

Residents of other states with comprehensive privacy laws (Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and others) may have similar rights. Contact us to exercise your state-specific rights.

9. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, alteration, or destruction. These measures include encryption of data in transit (SSL/TLS), access controls, and secure data storage practices.

However, no method of transmission over the Internet or method of electronic storage is 100% secure. We cannot guarantee absolute security of your data. You provide personal information at your own risk.

10. Children's Privacy

The Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a child under 18, we will take steps to delete that information promptly. If you believe we have collected information from a minor, please contact us at privacy@federaldebthelp.com.

11. Third-Party Links

The Site may contain links to third-party websites (e.g., the FTC, credit bureaus, IRS). We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Policy

We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Your continued use of the Site after any changes constitutes acceptance of the revised policy. We encourage you to review this page periodically.

13. Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, contact us at:

Federal Debt Help
123 Business Center Drive, Suite 400
City, ST 00000
Phone: 1-800-332-8477
Email: privacy@federaldebthelp.com

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