United Debt Relief

Privacy Policy

This Privacy Policy (hereinafter referred to as the “Privacy Policy”) is applicable to this www.UnitedDebtRelief.com online interface (i.e., website or mobile application) owned and operated by United Debt Relief, LLC (hereinafter referred to as “UDR”, and “United Debt Relief”), and any Company subsidiary or affiliate online interface (each, a “Site”, and, collectively, the “Sites”). The term “us” or “we” or “our” in this Privacy Policy refers to subsidiaries or affiliates of UDR that link to this Privacy Policy. This Privacy Policy outlines how we may collect, use and share information from or about you, and explains how information may be gathered and employed for promotional purposes. This Privacy Policy is intended to assist you in comprehending our online information security practices. For further information, please consult our Terms of Service.

Policy Agreement:

By accessing the United Debt Relief website, you are granting your consent to this Privacy Policy, which includes our use and sharing of information regarding you in accordance with the provisions detailed here.

Our Commitment To Your Privacy

At United Debt Relief, we are committed to safeguarding your privacy and providing you with a secure online experience. To ensure your privacy is respected, we have established the following guidelines, which explain our online information practices and the choices you can make regarding the way your information is collected and used. We make a detailed account of our privacy policies available on our homepage and on pages throughout our Site. We strive to ensure your information is secure and safe, and we take all necessary measures to protect your privacy and keep your personal information confidential.

What is Covered by This Privacy Policy?

This Privacy Policy outlines the ways in which United Debt Relief collects, uses, and shares personal information from our customers and other individuals who access our Sites. This Privacy Policy also covers any personal and other information that may be shared with us by our business partners as well as any information that may be shared by us with third parties.

United Debt Relief owns and operates several Sites, as well as a number of domains and/or Sites that direct to our Sites. From time to time, additional websites and/or domains may added to our portfolio by us. This Privacy Policy applies to any Site owned and/or operated by United Debt Relief, regardless of whether or not it is specifically identified in this Privacy Policy. To learn more about our family of companies, please contact our privacy department at nick.avila@uniteddebtrelief.com.

Please be aware that our policies and procedures only apply to Sites owned and/or operated by United Debt Relief. They do not apply to websites managed by other companies or to any website to which we may link, or to third-party businesses with which we may share information.

Mailing Address:

United Debt Relief, LLC
2907 Shelter Island Dr, Ste 105
San Diego, CA. 92106

Information Collected on Our Site and How We Use It:

This Privacy Policy applies to all information collected or submitted on the United Debt Relief Site. You can make requests on some pages and register to receive materials. The types of personal information that are collected on these pages are your name, mailing address, phone number, email address, state of residence, amount of unsecured debt owed, your website interaction on the site, your IP address, and how you learned about us. We may utilize the information we collect about you in order to, but not limited to:

gain insight into your interest in the products or services we and/or our affiliates offer and provide you with information

interact with consumers who are seeking debt relief services

open customer records and create their accounts

provide customer service

discover ways to improve our products or services

deliver chances for our affiliates and other companies to inform you about the products or services they offer that may be of interest to you

share aggregated statistical data with our business partners or for public relations (For example, we may notify an advertiser that X number of individuals visited a specific section on our Site, or that Y number of men and Z number of women filled out our registration form, but we would not reveal anything that could be used to identify those individuals.)

Apart from the ways mentioned above, we may employ your personally identifiable information in many other ways, including providing you promotional materials, and sharing your information with third parties so that these third parties can transmit your promotional materials. (By “promotional materials,” we mean communications that directly promote the use of Sites or the purchase of products or services.). Despite this, you may “opt out” of certain applications of your personal information.

DISCLOSING INFORMATION TO THIRD PARTIES

We may disclose a consumer’s personally identifiable information in order to carry out or effect any transaction that you have requested of us or as necessary to fulfill our contractual obligations with you. As per the law, we reserve the right to transfer, hire or sell your personal information to third parties for any purpose. We may provide your personally identifiable information to affiliated companies that are controlled by, or under common control of United Debt Relief. We may also share your personally identifiable information with nonaffiliated companies that are not directly or indirectly controlled by, or under common control of United Debt Relief. The personal information collected on this site and by third parties will be used to operate the site and to provide the services or products or carry out the transactions you have requested or authorized. We may modify or expand the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals through email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

If you do not want your personal information to be collected by any third party that is not our agent/service provider, please contact our customer service department to actively opt out of having your personal information shared by sending us an email at nick.avila@uniteddebtrelief.com.

Clear GIFS (Web Bugs/web Beacons)

At United Debt Relief, we use a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs) to help us more effectively manage content on our site by informing us what content is successful. Clear gifs are small graphics with a unique identifier that are used to track the web movements of internet users. Unlike cookies, which are stored on a user’s computer hard drive, clear gifs are unnoticeably embedded onto web pages and are approximately the size of a period. We do not link any information collected from clear gifs with our customers’ personal information.

Cookies

United Debt Relief may use cookies to improve the user experience on our Site. A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We do not link the information stored in cookies to any personally identifiable information that you submit while on our Site.

We use session ID cookies to make it easier for users to navigate our Site. A session ID cookie expires when you close your browser. We may at the user’s option set a persistent cookie to store passwords, so the user does not have to enter it more than once. Persistent cookies also allow us to track and target the interests of our users to enhance the experience on our Site.

If the user rejects cookies, they may still use our Site, but their ability to use some areas of our Site, such as contests or surveys, may be limited. Some of our business partners (e.g., advertisers) may use cookies on our Site. United Debt Relief does not have access to or control over these cookies. This privacy statement only covers the use of our cookies and does not cover the use of cookies by any advertisers.

Committed To Data Security

United Debt Relief has implemented physical, managerial, and electronic measures to secure and protect all data collected through our online services. These measures have been put in place to ensure that unauthorized access is prevented, accuracy of information is maintained, and that the use of information is correct and appropriate.

Committed To Children’s Privacy

The Site is not directed to individuals under the age of thirteen (13) and United Debt Relief requests that these individuals never provide Personal Information through the Site. In compliance with the Children’s Online Privacy Protection Act (COPPA), United Debt Relief does not knowingly collect information from children under 13 without parental consent. To learn more about COPPA, please visit the Federal Trade Commission website. Should United Debt Relief become aware of receiving information from a person under the age of majority in their respective jurisdiction, all reasonable measures will promptly be taken by us to remove the data. Should you have any queries regarding this matter, please contact United Debt Relief at our email or physical mailing address listed in the “Contact Us” section below.

Is My Personal Information Used by You to Contact Me Without Permission?

This Privacy Policy constitutes the United Debt Relief Do Not Call Policy under the Telephone Consumer Protection Act for all customers and is compliant with state laws. When you connect with us by phone, your discussion may be observed or taped by us. We keep a Do Not Call list internally. Do Not Call entreaties will be regarded within 30 days and will be actively valid for at least five years from the date it was solicited. There will be no telemarketing calls made to mobile or residential phone numbers that are on the Do Not Call list.

United Debt Relief has a strict “anti-spam” strategy of its own and for its business partners and providers as well. Unless you submit your email address to us or register on one of our Sites to get notices, for example, our bulletin, you will not be emailed by United Debt Relief.

You may advise us not to contact you at your postal location, telephone number, or email address. In the event that you choose not to get advertising offers by post office mail, telephone, and/or email, kindly note that we may keep on reaching you as essential to service your record and for different nonmarketing purposes. We may likewise keep on giving showcasing data in your ordinary record mailings and explanations, including online and computerized correspondences.

To get our bulletin by email you should join on one of our Sites. On the off chance that you choose sometime in the future that you would prefer not to get our bulletin, you may quit utilizing the “unsubscribe” connection on each bulletin that you get. On the off chance that you have any issues unsubscribing, kindly contact us quickly at nick.avila@uniteddebtrelief.com.

Business Transitions

If United Debt Relief were to go through a business transition, such as an acquisition, merger, or sale of all or part of its assets, your personally identifiable information may be transferred as part of the assets. In our sole discretion and for your convenience, we may provide notification of any such change in ownership or control of your personal information via email and/or a visible notice on our Web site for thirty (30) days.

Social Security Numbers

This Privacy Policy is designed to safeguard the confidential nature of Social Security numbers in United Debt Relief’s system and care. We strictly adhere to all applicable laws limiting the disclosure of Social Security numbers, and restrict access to our patrons’ Social Security numbers to only those individuals who need it to properly fulfill their duties.

Disclosures Are Not Tracked in California

United Debt Relief currently does not respond to “Do Not Track” signals in browsers that are typically sent by web browsers. This is because United Debt Relief does not monitor or track individual users across the web. However, other parties may collect personally identifiable information about an individual consumer’s online activities over time and across distinct websites when www.UnitedDebtRelief.com is 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 Sites or online services?

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

Other parties cannot collect personally identifiable information about an individual consumer’s online activities over time and across different Sites when visiting nick.avila@uniteddebtrelief.com

Notice to Residents of Nevada

This notice is being provided to you pursuant to Nevada state law. You may opt out of receiving phone calls from United Debt Relief by requesting that we stop calling you by emailing such a request in writing to nick.avila@uniteddebtrelief.com. We have included the following contact details in accordance with Nevada law: 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.

Notice for Residents of California

In compliance with California law, United Debt Relief automatically treats individuals with California addresses or telephone numbers (that are disclosed to us) as if they had requested that United Debt Relief not disseminate their information with any non-affiliated third parties, other than in accordance with the pertinent California law. We also observe the applicable California privacy laws by limiting the sharing of your information with our affiliates.

Notice to Residents of Vermont

In compliance with Vermont regulations, United Debt Relief automatically treats accounts with Vermont billing addresses as if you had requested that we do not disclose your information to any non-affiliated third parties and that we limit the disclosure of data to our associated entities. Should United Debt Relief decide to share information about you with any non-affiliated third parties with whom we have joint marketing agreements, we shall only make available your name, address, other contact information, and details pertaining to our relationship and experiences with you.

Notice to Users Outside the United States

This Privacy Policy covers the collection of information on our Sites from United States residents. United Debt Relief’s central database is located and operated in the United States, so please be mindful that there is where information is transferred to, stored, and processed whenever our Sites are visited from outside United States soil. The data protection laws of the United States and other countries may not be as comprehensive as those in your own country. By utilizing our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it, as outlined in this Notice.

Testimonials

If you choose to provide a testimonial to United Debt Relief, we will seek your consent prior to posting it publicly. We will post your name as provided to us in your testimonial. A photo of you may be utilized, or we may opt to post a stock photo. Please keep in mind that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or utilized by the general public, and could lead to unsolicited messages being sent to you. United Debt Relief is not responsible for the personally identifiable information you willfully decide to include in your testimonial. Please contact us by email or postal mail should you ever choose to have your testimonial deleted at any time.

Privacy Rights in California

This section is applicable to any California residents whose personal information has been collected by United Debt Relief from any source, including through the utilization of our Website(s), by purchasing our services or products, or by communicating with us in paper correspondence, electronically, or in person.

Some of the personal information about you that may be processed by United Debt Relief may be excluded from the California Consumer Privacy Act (“CCPA”), while certain other personal information may be subject to the CCPA.

For purposes of this section, “personal information” refers to information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, indirectly or directly, with a particular consumer/resident or household in California. Publicly available information or information that has been de-identified is not included as personal information. In our descriptions, we have included all data collected without regard to exempted data under other regulations such as the Gramm-Leach-Bliley Act (“GLBA”). Nevertheless, by doing this, we do not intend to waive claims of preemption under the GLBA and other regulations similar to it.

Information Collected by Us

At United Debt Relief, we gather information that identifies, or can reasonably be connected to, associated with, or linked directly or indirectly, with a specific consumer or device (“personal information”). The following categories of personal information from consumers are particularly obtained by us in time:

Category	Examples	Collected
A. Identifiers.	A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers.	YES
B. Personal information categories listed in the California Customer Records statute (Cal.Civ. Code § 1798.80(e)).	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	YES
C. Protected classification characteristics under California or federal law.	Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information).	YES
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	YES
E. Biometric information.	Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data	NO for customers YES for certain employees
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement.	YES
G. Geolocation data	Physical location or movements.	YES
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.	YES
I. Professional or employment-related information.	Current or past job history or performance evaluations.	YES
J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)).	Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.	NO
K. Inferences drawn from other personal information.	Profile reflecting a person's preferences, characteristics, psychological trends, redispositions, behavior, attitudes, intelligence, abilities, and aptitudes.	YES

Personal information does not include:

Information from publicly available government records

Aggregated or de-identified consumer information

Information excluded from the scope of CCPA , such as:

Medical or health information covered by the California Confidentiality of Medical Information Act (CMIA) and the Health Insurance Portability and Accountability Act of 1996 (HIPAA) or clinical trial data;

personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

The categories of personal information listed above are obtain by us from the following categories of sources:

Directly from our clients or their representatives. For instance, from documents that our clients give to us in relation to the services they hire us for.

Indirectly from our clients or their representatives. For example, through information we obtain from our clients while providing services to them.

Directly and indirectly from activity on our website www.uniteddebtrelief.com. For example, from submissions through our website portal or website usage details collected automatically.

From third parties that engage with us in connection to the services we carry out. For instance, from affiliate marketers who put out ads and forward activity to us or from credit reporting bureaus (“CRA”).

From publicly available online Information or other sources

From job seekers and employees

Use of Personal Information

United Debt Relief may use or disclose the personal information we collect for one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided, such as providing assistance in debt settlement activities.

To provide requested information, products, or services.

To provide email alerts, newsletters, and other notices concerning our products or services, or events or news that may be of interest.

To carry out our contractual obligations and enforce our rights arising from any agreements entered into between you and us, including billing and collections.

To assist in identifying appropriate resources if we are unable to serve due to a variety of reasons, such as inability to operate in the requested state or lack of eligible debt.

To provide third parties with qualified leads for programs they may administer.

To improve our website and present its contents.

For testing, research, analysis, and product development.

To conduct audit, compliance, or other legal work associated with our business.

To perform financial reporting and accounting, and other general business administration.

To assess third-party vendors and service providers.

To protect our rights, property, and safety, as well as our customers’ and others’.

To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, in which personal information held by us is among the assets transferred.

Personal Information Shared

In accordance with applicable law, United Debt Relief may disclose your personal information to a third party for a business or commercial purpose. When we do so, we enter into a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose other than the performance of the contract.

In the previous twelve (12) months, we may have shared the following categories of personal information for a business or commercial purpose:

Category A: Identifiers
Category B: California Customer Records personal information categories
Category C: Protected classification characteristics pursuant to federal or California law Category D: Commercial information
Category E: Biometric data
Category F: Internet or other similar network activity
Category I: Employment-related or professional information
Category K: Inferences drawn from other personal information

We may have disclosed personal information to our affiliates, corporate credit facility lenders, service providers, vendors, and other third-party marketers for a business or commercial purpose. All recipients of such information are required to abide by data privacy regulations and not use it for any purpose other than as stipulated in the contract.

In the previous twelve (12) months, United Debt Relief has disclosed the following categories of personal information for a commercial purpose:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category D: Commercial information

We have shared your personal information with the following third parties for a commercial purpose:

Our affiliates
Corporate credit facility lenders
Service providers
Vendors
Other third parties including marketers

Your Privacy Rights

If you are a California resident, subject to applicable law, you are entitled to certain rights with respect to your personal information, provided that such information is not already subject to federal law and the applicable privacy and security measures enforced under federal law:

Right to Know. You have the right to request what personal information United Debt Relief collects, uses, discloses, and/or sells, as applicable.

Right to Delete. You have the right to request the erasure of your personal data that is collected and held by United Debt Relief.

Right to Opt-Out of Sale. You have the right to opt-out of the sale of your personal information by United Debt Relief. You may access our Notice of Right to Opt-Out by clicking here

Right to Data Portability. You have the right to request a transferrable version of your data.

Right to Non-Discrimination.You have the right not to experience any discriminatory behavior by United Debt Relief on account of exercising the privacy rights described above.

You may also appoint a third party to exercise the above rights on your behalf. To have a third party act as your agent, the individual would need to complete the same forms as you and enclose a notarized letter confirming the authorization to act on your behalf. Furthermore, the agent must furnish sufficient data that permits us to verify the identity of the concerned consumer.

These rights are subject to our being able to reasonably verify your identity and your credibility to make these requests. Additionally, these rights might be limited or excluded by applicable laws. To verify your identity for prospective customers, you must provide us with your first and last name, state of residence, phone number, physical address, and email. If you are an existing customer, you must also provide us with your social security number or other identifiable account number in addition to the elements mentioned for prospective customers.

If you are a resident of California and would like to exercise these rights, please reach us using the following methods:

CCPA Request Form
800-368-9038
ccpa@unitedrelief.com
United Debt Relief
2907 Shelter Island Dr, Ste 105
San Diego, CA. 92106

Notice of Right to Opt-Out

You have the right to direct United Debt Relief not to share your personal information and to refrain from doing so in the future. If you wish to exercise this right, please do so in one of the following ways:

CCPA Request Form
800-368-9038
ccpa@udrelief.com
United Debt Relief
2907 Shelter Island Dr, Ste 105
San Diego, CA. 92106

For further information on our practices regarding your personal information, please refer to the other sections of this Privacy Policy.

Changes to this Privacy Policy

We reserve the right to modify this Privacy Policy at any time. We will not compromise your privacy. The provisions within this Privacy Policy take precedence over any and all prior notifications or policies regarding our privacy practices pertaining to this site. All changes will be made to this Privacy Policy.

We strongly suggest that you visit our site regularly to view the most up-to-date Privacy Policy to stay informed of our commitment to protecting your personal information and providing you with improved content on our Site to enhance your online experience. When there are material modifications to the policy statement, we will post those changes to this privacy statement, the homepage, and other relevant locations so that you are aware of which information we collect, how we use it, and in which circumstances, if any, we disclose it.

How To Contact Us

Please send us an email at nick.avila@uniteddebtrelief.com with regard to any other inquiries or concerns with our Privacy Policies that may arise..

United Debt Relief
2907 Shelter Island Dr, Ste 105
San Diego, CA. 92106

Effective 4/2023