Privacy Policy & Terms of Service

Introduction

EthicalDebt ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or interact with our services.

This policy applies to information we collect through our website, phone communications, written correspondence, and any other means in connection with our debt collection services.

Information We Collect

Information Provided to Us

We collect information that you provide directly to us, including:

• Personal identification information (name, address, date of birth, Social Security number)
• Contact information (phone number, email address)
• Financial information (account numbers, payment information)
• Communication preferences and history
• Information submitted through our contact forms or correspondence

Information from Third Parties

We may receive information about you from:

• Creditors or their representatives
• Credit reporting agencies
• Skip tracing services and public databases
• Other sources as permitted by law

Automatically Collected Information

When you visit our website, we may automatically collect:

• Device information (IP address, browser type, operating system)
• Usage data (pages visited, time spent, referring pages)
• Cookies and similar tracking technologies

How We Use Your Information

We use the information we collect for the following purposes:

• Debt Collection: To locate you, verify debts, communicate about accounts, and process payments
• Compliance: To comply with legal obligations and regulatory requirements
• Communication: To respond to your inquiries and communicate about your account
• Service Improvement: To improve our services and website functionality
• Legal Protection: To protect our rights and prevent fraud
• Reporting: To report account status to creditors and credit bureaus as authorized

Information Sharing and Disclosure

We may share your information with:

• Creditors: The original creditor or current owner of the debt
• Service Providers: Third-party vendors who assist with our operations (payment processors, technology providers)
• Credit Bureaus: As permitted by the Fair Credit Reporting Act
• Legal Authorities: When required by law, legal process, or to protect our rights
• Your Attorney: If you have legal representation regarding the debt

We do not sell your personal information to third parties for marketing purposes.

Your Privacy Rights

You have certain rights regarding your personal information:

• Access: You may request access to the personal information we maintain about you
• Correction: You may request correction of inaccurate information
• Deletion: You may request deletion of your information, subject to legal obligations
• Opt-Out: You may request that we stop contacting you as described in our Consumer Rights page
• Communication Preferences: You may specify how and when we contact you

To exercise these rights, please contact us using the information provided below.

Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers with restricted access
• Regular security assessments and updates
• Employee training on data protection
• Access controls and authentication requirements

However, no method of transmission over the internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, unless a longer retention period is required or permitted by law. Factors affecting retention include:

• Duration of our relationship with you
• Legal and regulatory requirements
• Statute of limitations periods
• Potential legal claims

Cookies and Tracking Technologies

Our website uses cookies and similar technologies to improve your experience. You can control cookies through your browser settings, though disabling cookies may limit website functionality.

Children's Privacy

Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on this page and updating the "Last Updated" date. Your continued use of our services after changes constitutes acceptance of the updated policy.

Acceptance of Terms

By accessing or using the EthicalDebt website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with these terms, please do not use our services.

Debt Collection Services

EthicalDebt provides debt collection services in accordance with the Fair Debt Collection Practices Act (FDCPA) and applicable state laws. Our services include:

• Contacting consumers regarding outstanding debts
• Negotiating payment arrangements
• Processing payments on behalf of creditors
• Reporting account status to credit bureaus as authorized

Website Use

You agree to use our website only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to our systems
• Interfere with the proper functioning of the website
• Use automated systems to access the website without authorization
• Collect or harvest personal information about other users

Payment Terms

When making payments through our website or services:

• You authorize us to process your payment using the provided method
• Payments are applied according to the terms of your agreement
• You are responsible for ensuring sufficient funds are available
• Payment confirmations will be provided upon successful processing

Intellectual Property

All content on this website, including text, graphics, logos, and software, is the property of EthicalDebt or its licensors and is protected by copyright and intellectual property laws. You may not reproduce, distribute, or create derivative works without our express written permission.

Disclaimers

Our website and services are provided "as is" without warranties of any kind, either express or implied. We do not warrant that:

• The website will be uninterrupted or error-free
• Defects will be corrected
• The website is free from viruses or harmful components

Limitation of Liability

To the fullest extent permitted by law, EthicalDebt shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of our services or website.

Dispute Resolution

Any disputes arising from these Terms or our services shall be governed by the laws of the State of Florida. You agree to submit to the exclusive jurisdiction of the courts located in Florida for resolution of any disputes.

Modifications to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes constitutes acceptance of the modified terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.