Privacy and Policy

Last updated: December 15, 2022

This Online Privacy Policy applies to www.remdebt.com, owned and operated by RemDebt (sometimes referred to as “Company”, “we” or “us”), and any Company affiliate or subsidiary online interface that links to this policy, (each, a “Site,” and collectively, the “Sites”).

We take our ethical responsibilities and your privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors to this Web Site, including respecting your concerns about privacy. This Privacy Policy discloses how we collect, protect, use and share information gathered about you on our website. If you use this site you explicitly agree to the terms and conditions of the Privacy Policy in effect at the time of your use. We hope that this disclosure will help increase your confidence in our website and enhance your experience on the Internet.

Browsing

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. We may use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the time of the request, the URL of your request, and other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Call Monitoring

Please note that all calls with the Company may be recorded or monitored for quality assurance and training purposes.

Information We Collect and Its Uses

We collect your personal information if you decide to purchase one of our products or retain our services, participate in our affiliate marketing program, subscribe to our newsletter, complete an application form, participate in one of our surveys or transact other business with us. We need to collect personally identifiable information from you to execute a requested transaction, provide you with a particular service, and/or to further enhance your account. At anytime, we may ask you to voluntarily supply us with additional information needed. We will ask you for information such as, but not limited to: name, current and/or billing address, your e-mail address, telephone number and, if you purchase one of our products or services, a valid credit card number, your Social Security number and certain other personal information, such as your date of birth, address, financial information, and certain credit card and debt account information. We may use your email address to send a confirmation and, if necessary, we might use the other information to contact you for help in processing.

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions, unless you opt-out online or otherwise notify us.

We may also use the information we collect about you in order to, but not limited to:

Learn more about your interest in the products or services we offer and provide you with information.
Enroll customers who desire our services.
Open customer files and establish their accounts.
Provide customer service.
Negotiate resolutions of our customers’ debts (according to the terms and conditions of their written agreements).
Learn how to improve our products or services.
Provide opportunities for our affiliates and other companies to inform you about the products or services they offer that may interest you.
Share aggregated statistical data with our business partners or for public relations.For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35.

As mentioned above, we may use your personally identifiable information in many other ways, including sending you promotional materials, and providing your information to third parties as directed by you. (By “promotional materials,” we mean communications that directly promote the use of Web sites, or the purchase of products or services.). However, you may “opt-out” of certain uses of your personal information.

Disclosure of Information to Third Parties

We may disclose a consumer’s personally identifiable information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. WE RESERVE THE RIGHT TO SELL, RENT OR TRANSFER YOUR PERSONAL INFORMATION TO THIRD PARTIES FOR ANY PURPOSE IN OUR SOLE DISCRETION.

We do not sell or transfer of personal information to non-affiliated entities for their use unless you have directed us to do so. We may share your personally identifiable information with affiliated companies that are directly or indirectly controlled by, or under common control of RemDebt. When directed by you, we may send personally identifiable information about you to non-affiliated companies that are not directly or indirectly controlled by, or under common control of, RemDebt.

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 change or broaden the use of your personal information at any time. We may use your personal information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, banner advertising, and other possible uses.

Service Providers

We may use other third parties to provide certain clerical, processing, and shipping services or to assist in providing the services that you requested. As such, we may share your personally identifiable information with service providers as necessary to carry out these tasks. When you contract with us, we will share only as much information with our service providers as is necessary for the provision of their services. These third parties are prohibited from using your personally identifiable information for any other purpose other than carrying out their contract services.

Choice/Opt-out

We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes, when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference on our order form.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by contacting us using the contact information below.

If you do not wish to have your personal information shared or disclosed to 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. Customer Service Contact Information: RemDebt, 2321 E. 4th St. C-478, Santa Ana, CA 92705. Phone: 855-552-0586.

Securing the Transmission and Storage of Information

The security of your personal information is extremely important to us. We employ generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

Our site uses SSL (Secure Sockets Layer) security technology to encrypt information you provide to us through the site when entering sensitive information (such as credit card number and/or social security number) on our registration or order forms. This ensures that your information is encrypted as it travels over the Internet. SSL is an industry-standard protocol for encryption over the internet.

After information reaches RemDebt, it is stored on a secure server that resides behind firewalls designed to block unauthorized access from outside of RemDebt. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone. Remember, no method of transmission over the Internet, or method of electronic storage, is 100% secure. (Example: any information you provide us by email is not encrypted) Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about the security on our Web site, please feel free to e-mail us.

Log Files

As is true of most Web sites, we gather automatically certain information and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and click stream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole. We do not link this automatically collected data to personally identifiable information.

Supplementation of Information

In order to provide certain services to you, we may, on occasion, supplement the personal information you submitted to us with information from third-party sources..

Cookies

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

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

If you reject cookies, you may still use our site, but your ability to use some areas of our site will be limited.

Clear Gifs (Web Beacons/Web Bugs)

We employ a software technology called clear gifs (a.k.a. Web Beacons/Web Bugs), that help us better manage content on our site by informing us 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 Web users. In contrast to cookies, which are stored on a user’s computer hard drive, clear gifs are embedded invisibly on Web pages and are about the size of the period at the end of this sentence. We do not tie the information gathered by clear gifs to our customers’ personally identifiable information.

We use clear gifs in our HTML-based emails to let us know which emails have been opened by recipients. This allows us to gauge the effectiveness of certain communications and the effectiveness of our marketing campaigns. If you would like to opt-out of these emails, please see “Choice and Opt-out.”

Links to Other Sites

This Website may contain links to other sites such as our affiliates as well as third parties which are not owned or controlled by us. Please be aware that this privacy policy only addresses our company’s use and disclosure of your information collected on this site.

While we try to link only to sites that share our standards and respect for privacy, we are not responsible for the privacy practices of such other sites. We encourage you to be aware when you leave our site and to read the applicable privacy policies and terms of conditions of each and every Web site that collects personally identifiable information.

This privacy statement applies only to information collected by this Web site.

Co-branded sites

We may be co-branded with “partners and affiliates”. These business to business relationships are helpful to us, and to you, as they afford all concerned with greater product and service opportunities. We always provide opt-out opportunities regarding the sharing of your information with such partners and affiliates. Please note the sites linked to our site are governed by their own privacy policies which may or may not reach the standards set by our company.

Access to Personally Identifiable Information

If your personally identifiable information changes, or if you no longer desire our product or service, you may correct, update, delete or deactivate same by emailing our Customer Support team. Or, if you prefer, you can contact us by telephone or postal mail.

Customer Service

If you send us correspondence, including e-mails and faxes, we may retain such information in your customer file. Information you give us over the telephone may be noted for your file. We may also keep copies of any correspondence sent to you. We retain these records in order to provide the products and services you have requested and to measure and improve our customer service. We may, over time, delete these records as permitted by law. Phone calls may be recorded or monitored for customer satisfaction purposes.

Based upon the personally identifiable information you provide, we may communicate with you to provide the services you request, and to manage your account. We may communicate via email or telephone, in accordance with your wishes.

Legal Disclaimer

We reserve the right to disclose your personally identifiable information, as required, to comply with the law, applicable regulations, governmental and quasi-governmental requests, judicial proceedings, court orders or subpoenas, to enforce our Legal Notices or other agreements, or to protect our rights, property or safety or the rights, property or safety of our users or others (e.g., to a consumer reporting agency for fraud protection etc.).

Business Transitions

In the event our company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via e-mail and/or a prominent notice on our Web site for 30 days of any such change in ownership or control of your personal information.

Changes to this Privacy Statement

We may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice. The provisions contained in this privacy statement supersede all previous notices or policies regarding our privacy practices with respect to this site.

We encourage you to check our site frequently to see the current privacy statement and/or to be informed of how we are committed to protecting your information.

Testimonials

We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us using the contact information below.

Notice to California Residents

If you are a California resident, California law may provide you with additional rights concerning RemDebt’s collection and use of your personal information. After reading this Online Privacy Policy, please click here to visit RemDebt’s California Privacy Notice (remdebt.com/CCPA-Privacy-Notice) to learn more about your California Privacy Rights.

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated 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 requesting that we cease calling you by contacting us directly and making such request in writing at info@remdebt.com. 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.

Do Not Sell Request

RemDebt takes its ethical responsibilities and consumer’s privacy seriously. We have a strong commitment to providing excellent service to all our customers and visitors to this Web Site, including respecting their concerns about privacy. This webpage is provided as a tool for California consumer’s to exercise their privacy rights.

Under the California Consumer Privacy Act, California residents have the right to opt out of the sale of their personal information. If you are a California resident and decide to opt out of the sale of your personal information, we will refrain from selling your personal information to third parties. Additional information about how we use and disclose personal information, including the types of third parties to whom we sell personal information, can be found in our Privacy Policy or our California Privacy Notice.

To opt out, please complete and submit the form below. Please allow up to ten (10) business days for us to process your request.

First Name *

Last Name *

Email *

Phone Number *

Address *

City *

State *

ZIP *

Country *

What are your preferred contact methods for questions about your request? (Select All That Apply)

Mail
Text Message
Email

By submitting this form, I certify that I am the above-named individual or a person authorized by the above-named individual to submit this form on their behalf. I understand that RemDebt may contact me to obtain identity verification and validate this request. *

I agree

IMPORTANT PRIVACY NOTICE FOR CALIFORNIA CONSUMERS

This Privacy Notice for California Consumers (“Notice”), provided by RemDebt, LLC (“RemDebt,” “Company,” “we,” or “our”), supplements, and is expressly made part of, the information contained in RemDebt’s Online Privacy Policy and applies solely to those who are consumers (“you” or “your”) as defined in Section 1798.140(g) of the California Consumer Privacy Act of 2018 (“CCPA”). We adopt this Notice in compliance with the CCPA and any terms defined in the CCPA have the same meaning when used in this Notice.

RemDebt collects information that identifies, relates to, describes, references, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer, household, or device (“personal information”). As a consumer, you have certain rights regarding your personal information as defined in the CCPA. This Notice provides you with information on how RemDebt collects, uses, and shares personal information. It also outlines the rights you have regarding personal information that we collect from you and describes how you can exercise those rights.

Collection and Use of Personal Information

RemDebt recognizes the eleven (11) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, RemDebt has collected the following categories of personal information from consumers within the last twelve (12) months:

Category	Examples
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.
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.
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).
D. Commercial information.	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
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.
F. Internet or other similar network activity.	Browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement.
G. Geolocation data.	Physical location or movements.
H. Sensory data.	Audio, electronic, visual, thermal, olfactory, or similar information.
I. Professional or employment-related information.	Current or past job history or performance evaluations.
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.
K. Inferences drawn from other personal information.	Profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.

As a company that conducts activities that are financial in nature, RemDebt is a “financial institution” as that term is defined in the Gramm-Leach-Bliley Act (“GLBA”). While the CCPA does not exempt financial institutions, Section 1798.145(e) of the CCPA does exempt personal information collected by a financial institution pursuant to the GLBA.
Personal information does not include publicly available information from government records, de-identified or aggregated consumer information, or information otherwise excluded from the CCPA’s scope, such as information collected pursuant to the GLBA.
We have obtained the categories of personal information listed above from the following categories of sources:

Directly from you. For example, from forms you complete or products and services you purchase.
Indirectly from you. For example, from information we obtain in the course of providing our services to you, or from observing your actions on our website.
From third-party business partners including, but not limited to, social media sites, ad networks, and analytics providers.

RemDebt may use this information to:

Provide you with the information, products, or services you request from us.
Fulfill the reason you provided the information.
Create, maintain, customize, and secure your account with us.
Personalize your website experience and deliver content and product and service offerings relevant to your interests, including targeted offers and ads through our Site, third-party sites, and via email or text message (with your consent where required by law).
Advertise and market products and services to you from both affiliated and non-affiliated entities, which includes sending promotional communications, target advertising, and presenting you relevant offers (with your consent where required by law).
Help maintain the safety, security, and integrity of our website, products and services, databases and other technology assets, and business.
Process your requests, purchases, transactions, and payments
Provide you with support and to respond to your inquiries, including to investigate and address your concerns and monitor and improve our responses.
For testing, research, analysis, and product development, including to develop and improve our website, products, and services.
Prevent fraud or misconduct.
Respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
As described to you when collecting your personal information or as otherwise set forth in the CCPA.

RemDebt will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing notice to you. Such notice may be delivered, for example, by posting an updated California Privacy Notice.

Disclosure of Personal Information for a Business Purpose

RemDebt may disclose your personal information to a third party service provider for business purposes. We share your personal information with the following categories of third parties for a business purpose:

Affiliates.
Service providers – When RemDebt shares with a Service Provider it enters into a contractual arrangement that describes the business purpose and requires the provider to both: (A) keep that personal information confidential; and (B) not use it for any purpose except performing the obligations under the contract.
Financial Institutions – our sharing of your personal information with these entities is limited only to when you affirmatively direct us to share your personal information with these companies.

In the preceding twelve (12) months, RemDebt has disclosed the following categories of personal information for a business purpose:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D. Commercial information.
Category K. Inferences drawn from other personal information.

Sale of Personal Information.

The CCPA similarly requires RemDebt to provide you with a statement on its personal information sales. The definition of “Sale” under the CCPA is very board. Out of an abundance of caution we are providing you with the below notice. In the preceding 12 months, we may have sold the below categories of information:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D. Commercial information.
Category K. Inferences drawn from other personal information

We sell these categories of personal information for commercial purposes to the following categories of third parties:

Financial Institutions –including, for example, Debt Settlement Service Providers and Lenders.
Business partners and third parties – We may also share Information with business partners and third parties (e.g., other companies, retailers, research organizations, advertisers, ad agencies, advertising networks and platforms, social networks, participatory databases, publishers, and non-profit organizations) that may want to market products or services to you.

Please note that once we sell your personal information with another company, the information received by the other company is controlled by that company and becomes subject to the other company’s privacy practices.

Notice Regarding Your Rights

Access & Data Portability Rights

You have the right to request that RemDebt disclose what personal information we collect, use, and disclose. If we receive and confirm your consumer request as verifiable and no exception applies, we will provide you with:

The categories of personal information we collected about you.
The categories of sources for the personal information we collected about you.
Our business or commercial purpose for collecting that personal information.
The categories of third parties with whom we share that personal information.
The specific pieces of personal information we collected about you.
If we sold or disclosed your personal information for a business purpose, two lists disclosing:
- Sales, identifying the personal information categories that each category of recipient purchased; and
- Disclosures for a business purpose, identifying the personal information categories that each category of recipient obtained.

Deletion Request Rights

Subject to certain exceptions, you have the right to request that we delete any of your personal information that we collected from you and retained. If we receive and confirm your consumer request as verifiable, unless an exception applies we will delete (and direct our service providers to delete) your personal information from our records.

The CCPA provides a number a reasons why a deletion request may be denied. We may deny your deletion request if retaining the information is necessary for us or our service provider(s) to:

Complete the transaction for which we collected the personal information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, fulfill the terms of a written warranty or product recall conducted in accordance with federal law, or otherwise perform our contract with you.
Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
Debug products to identify and repair errors that impair existing intended functionality.
Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 et. seq.).
Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
Comply with a legal obligation.
Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

Right to Opt-Out of Sale of Personal Information

You have the right to request that RemDebt no longer sell your personal information. To exercise that right, please click here: Do Not Sell My Personal Information or Calling us toll-free during business hours at: 1-855-552-0586.

Exercising Access, Data Portability, and Deletion Rights

To exercise the access, data portability, and deletion rights described above, please submit a verifiable consumer request to RemDebt by:

Calling us toll-free during business hours 1-855-552-0586.
Filling out the California Consumer request form available at www.remdebt.com/CCPA-access-deletion-request or by clicking here.

Only you or someone registered with the California Secretary of State and legally authorized to act on your behalf may make a verifiable consumer request related to your personal information.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period.

The verifiable consumer request must:

Provide sufficient information that allows RemDebt to verify, to a reasonable degree of certainty, that you are the person about whom RemDebt collected personal information (or your authorized representative), which may include multi-factor authentication of identifying information provided by you. Such authentication may be conducted and verified independently or in combination with a comparison of personal information already maintained by RemDebt, if any; and
Describe your request with sufficient detail that allows RemDebt to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm that the personal information relates to you. Making a verifiable consumer request does not require you to create an account with us, but we must also be able to confirm the personal information relates to you. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.

We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

RemDebt endeavors to respond to a verifiable consumer request within forty-five (45) days of receiving it. If RemDebt requires additional time to process your request, up to a maximum total of ninety (90) days from the date the request is received, we will notify you of this and inform you of the reason for requiring the additional time.

If you have an online account with us, we will deliver our written response to your online account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request or have denied a request, if applicable.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

RemDebt will not discriminate against you for exercising any of your CCPA rights as described above. Unless permitted by the CCPA, RemDebt will not:

Deny you goods or services.
Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
Provide you a different level or quality of goods or services.
Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

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 www.remdebt.com?

No.

CCPA Consumer Access/Deletion Request

This Webpage applies solely to those who are consumers (“you” or “your”) as defined in Section 1798.140(g) of the California Consumer Privacy Act of 2018 (“CCPA”) and any terms defined in the CCPA have the same meaning when used in this Webpage. RemDebt (“Company,” “we,” or “our”) provides this Webpage to outline the rights that the CCPA gives to access and to request deletion of the personal information that a business holds on you, and to give you a means easily exercise those rights.

You are entitled to be informed whether your personal information is collected, used, stored, and/or disclosed by us. You may request, up to twice per 12-month period, to be sent a copy of your personal information that we retain in our files, subject to any applicable exemptions.

In addition, you have the right to request that we delete your personal information from our records, subject to any applicable exemptions. For example, we may retain personal information that is needed to provide you with a requested service, prevent fraud, or to meet our legal obligations (additional exemptions are listed in our CA Privacy Notice). Be advised that we are not able to delete your personal information from any third party’s records unless that third party is a service provider to us.

To request access to and/or deletion of your personal information from our systems, please complete the form at the bottom of this page or call us at 855-552-0586. On receipt of your request, we may request additional information to verify your identity and the validity of your request.

While we strive to provide to appropriately answer all Requests within 10 days of receiving the Request, the Company has up to forty-five (45) days to respond. If we need additional time, we may also inform you that we need up to forty-five (45) additional days to respond and the reason(s) for the additional time.

Before submitting your request, we ask that you review our Privacy Policy and CA Privacy Notice. These documents provide valuable information about how we collect, use, store, and disclose personal information. You may find the answer you are looking for faster by reviewing these documents than by submitting a request and waiting for our response.

CCPA Consumer Access/Deletion Request Form

CCPA Service Provider Addendum

This CCPA Service Provider Addendum (“Addendum”) is entered into between RemDebt (“RemDebt”) and (“Service Provider”) effective as of December 15, 2022, and supplements any and all service agreements, service orders, statements of work or other contractual arrangements (collectively, the “Agreement”) previously entered into between the parties whereby Service Provider provides certain services to RemDebt.

RECITALS

RemDebt and its affiliates collect personal information that it may disclose to Service Provider for processing and other business purposes pursuant to the Agreement. The parties want to ensure that there are adequate contractual terms in place between RemDebt and Service Provider as necessary for the parties to comply with their respective obligations under the California Consumer Privacy Act of 2018 (the “CCPA”).

TERMS OF AGREEMENT

For purposes of this Addendum: (a) “business purpose,” “commercial purpose,” “processing,” “sell,” and “service provider” shall have the meanings given to them in the CCPA; (b) “Services” shall refer to the services provided to RemDebt by Service Provider pursuant to the Agreement; (c) “Personal Information” means the personal information of California consumers that Service Provider has received from and processed on behalf of RemDebt, whether before or after the date hereof, in connection with the provision of Services.
With respect to the Personal Information of California consumers, Service Provider and RemDebt agree that Service Provider is a service provider processing on behalf of RemDebt. Except as otherwise permitted by the CCPA, Service Provider is prohibited from: (a) selling Personal Information; and (b) retaining, using, or disclosing Personal Information for any purpose other than for the specific purpose of performing the Services which, for the avoidance of doubt, prohibits Service Provider from retaining, using, or disclosing Personal Information outside of its direct business relationship with RemDebt or for any other commercial purpose. Service Provider may, however, disclose the Personal Information to its own service providers where Service Provider has carried out adequate due diligence on each such service provider and included in its agreement with each such service provider terms that are equivalent to those set forth in this Addendum.
Service Provider shall promptly and in good faith take such actions and provide such information and assistance as RemDebt may reasonably request to enable RemDebt to honor requests of individuals to exercise their rights under the CCPA and other applicable data privacy laws, including requests to access, delete, and opt-out of the sale of their Personal Information including: (a) providing RemDebt with a mechanism to notify Service Provider of requests by California consumers to exercise their CCPA rights; (b) complying with any notifications provided by RemDebt to delete Personal Information from its systems and that of any service provider it may use to perform the Services under the Agreement; and (c) providing verification to RemDebt that the applicable requests have been fulfilled.
Service Provider shall give RemDebt written notice of any requests under the CCPA or other applicable data privacy laws that Service Provider may receive directly from individuals that pertain to the Services provided under the Agreement.
Service Provider hereby certifies that it understands and will comply with the restrictions and requirements set forth in this Addendum.
RemDebt and Service Provider each acknowledge and agree that this Addendum is limited to the applicable Services. Should RemDebt and Service Provider enter into any other agreement for any additional services or should the scope of the Services change such that Service Provider no longer serves as a service provider to RemDebt for such Services, Service Provider shall provide RemDebt with notice of such change. In such event, the parties shall take such steps as are reasonably necessary to comply with the CCPA and applicable data privacy laws with respect to such Services.
If the Agreement is terminated and Service Provider no longer provides Services to RemDebt, Service Provider shall promptly delete all RemDebt data residing on Service Provider systems and on the systems of any of its service providers and shall provide RemDebt with written certification of such deletion.
Without limitation or exclusion of any other indemnification obligation in the Agreement, Service Provider will indemnify, defend and hold harmless RemDebt, its employees, shareholders, licensees and agents (each an “Indemnitee”) from and against any and all losses, claims and expenses (including attorneys’ fees and costs) (each a “Loss”) to the extent arising from or related to any actual or alleged: (a) breach of Service Provider’s obligations under this Addendum; or (b) violation of the CCPA or other applicable data privacy laws by Service Provider or any entity that Service Provider provided Personal Information to. This Section 8, along with Section 9 hereof, shall survive termination of the Agreement.
If RemDebt becomes aware of a third-party claim (a “Claim”) that (if successful) would result in a Loss under Section 8, it will promptly notify Service Provider in writing. Failure or delay in giving such notice will not affect the right to indemnification except to the extent that it prejudices the defense of the subject Claim. Service Provider shall assume the defense of such Claim within 15 days after receiving the notice of the Claim. Until such assumption of the defense, the applicable Indemnitee(s) may take any action that it reasonably deem(s) appropriate to protect its/their interest(s) or those of Service Provider, provided such action is not prejudicial to Service Provider. The applicable Indemnitee(s) shall reasonably cooperate with the defense of such Claim and may retain separate counsel at its/their own expense to participate in, but not control, the defense. Neither Service Provider nor any Indemnitee may settle a Claim without the consent of the other party(ies), provided that such consent may not be unreasonably withheld, conditioned or delayed.

Except as otherwise provided herein, all other terms and conditions of the Agreement shall remain unmodified and in full force and effect. This Addendum shall govern in the event of any conflict or inconsistency between this Addendum and the Agreement.

IN WITNESS WHEREOF, RemDebt and Service Provider have caused this Addendum to be executed by their duly authorized representatives.

Other California Privacy Rights

California’s “Shine the Light” law (Civil Code Section § 1798.83) permits certain individuals that are California residents to request information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email us at info@remdebt.com or write to us at RemDebt, 2321 E. 4th St., Suite C-478, Santa Ana, CA 92705

Changes to Our Privacy Notice

We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will post the updated Notice on our website and update the Notice’s effective date. Your continued use of our website following the posting of changes constitutes your acceptance of such changes.

Declaración de Información del Programa Uniforme del AFCC

RemDebt es miembro del American Fair Credit Council y ha acordado observar las “mejores prácticas” de la industria, tal como fueran avaladas por el AFCC, incluida la información relativa a las siguientes cuestiones como parte integral de su contrato con los consumidores.

RemDebt les brinda a los consumidores un servicio de resolución de deudas que se conoce más popularmente como la liquidación de deudas. La liquidación de deudas es la negociación de una cantidad menor a los pagos del saldo total de deudas quirografarias en nombre de los consumidores que estén experimentando dificultades económicas. RemDebt quiere que usted comprenda tanto los beneficios como los riesgos potenciales que pueden surgir de su programa de liquidación de deudas y asegurarse de que usted tenga expectativas razonables en cuanto a todos los resultados posibles.

AL FIRMAR MÁS ABAJO, USTED ESTÁ CONFIRMANDO QUE RemDebt LE HA EXPLICADO, Y QUE USTED COMPRENDE, TODAS LAS CUESTIONES QUE SE EXPONEN A CONTINUACIÓN. Si usted desea conversar o comentar sobre cualquiera de estas divulgaciones o bien analizar cualquiera de los aspectos relacionados con su programa de liquidación de deudas, sírvase enviarnos un mensaje de correo electrónico al info@americanfaircreditcouncil.org con su información de contacto y el Departamento de Cumplimiento Normativo del AFCC le responderá con la mayor celeridad posible.

Usted se está inscribiendo en un programa de liquidación de deudas. El objetivo de su programa de liquidación de deudas consiste en que RemDebt negocie resoluciones de mutuo acuerdo entre usted y cada uno de sus acreedor(es) para la resolución de su(s) deuda(s) quirografaria(s), las cuales se detallan como parte de su acuerdo de inscripción y se las alude como Deudas Inscritas. Usted entiende y reconoce que no se pueden predecir ni garantizar resultados específicos.
Usted será responsable de ahorrar fondos suficientes como para permitirle a RemDebt negociar resoluciones de deudas en su nombre y representación. Para que RemDebt negocie en su nombre y representación, usted deberá adherir a un cronograma regular de depósitos. Estos fondos serán depositados en una cuenta bancaria por separado aseguradas por la FDIC que usted y sólo usted podrá controlar. Bajo ningún concepto RemDebt tendrá la custodia ni el control de los fondos que usted haya ahorrado.
El programa de ahorros necesario para liquidar sus deudas está detallado en su acuerdo de inscripción. Para usted se han preparado resúmenes de la cantidad de ahorros mensuales mínimos y el plazo estimado necesario para liquidar todas sus deudas. Las cantidades de resolución real, así como el plazo requerido para liquidar todas sus deudas probablemente varíen, quizás sustancialmente, respecto de estas estimaciones, según el comportamiento de cada acreedor, la capacidad y predisposición que usted tenga para cumplir con su cronogramas de depósitos, entre otros factores.
Si bien la mayoría de los acreedores y cobradores se muestran ansiosos por negociar con los prestadores de servicios de liquidación de deudas, RemDebt no pueden forzar a los acreedores a negociar con ellos ni aceptar ninguna oferta de liquidación. Las comunicaciones con los acreedores se manejan en forma individual y personal con cada uno de ellos. Algunos acreedores quizás no puedan ser ubicados durante varios meses después de que usted se inscriba.
RemDebt no es un servicio de asesoramiento crediticio ni tampoco efectúa pagos regulares a sus acreedores en su nombre y representación. Sus acreedores podrían seguir adelante con sus gestiones de cobro respecto de las cuentas morosas mientras usted esté inscrito en el programa de liquidación de deudas. Dichas gestiones de cobro pueden incluir llamadas telefónicas y misivas dirigidas a usted, remitir las cuentas morosas a agencias de cobranzas o incluso iniciar juicios en su contra.
Su programa de liquidación de deudas asume un esfuerzo que proseguirá durante muchos meses. El tiempo necesario para producir una liquidación de una determinada deuda depende de una serie de factores. Los cuales pueden incluir, entre otros: (a) sus dificultades económicas, (b) la antigüedad y el saldo de las cuentas que usted les debe a sus acreedores, (c) los fondos que usted tenga disponibles para pagar a sus acreedores en pos de alcanzar una liquidación, y (d) la predisposición de sus acreedores para celebrar negociaciones de liquidación de sus deudas. Si bien no se pueden dar garantías, por lo general cuanto más dinero pueda ahorrar usted, tanto más pronto RemDebt podrá comenzar a negociar acuerdos de liquidación a su favor.
Los honorarios pagados a un proveedor de servicios de liquidación de deudas como lo es RemDebt no se encuentran disponibles para pagarles a los acreedores. Los honorarios pagados a RemDebt tienen por objeto compensarla por sus esfuerzos y sólo resultará reintegrable en la medida en que se estimare que hayan sido ganados de la manera descrita en el Contrato del Cliente. Dichos honorarios no se están ahorrando ni se mantienen en una cuenta de garantía para financiar las liquidaciones de deuda.
RemDebt no es un estudio jurídico ni tampoco puede brindar asesoramiento ni consejo legal, por lo que con su firma más abajo, usted reconoce que ha sido advertido de esta circunstancia. En caso de ser demandado, usted debería consultar con un abogado matriculado para ejercer la profesión dentro de su jurisdicción.
Usted nos ha comentado que se encuentra en un estado comprobable de dificultades económicas y es incapaz de cumplir, en forma continua, con los pagos periódicos mínimos que le exigen sus acreedores para cancelar sus deudas. Si no efectúa los pagos periódicos mínimos exigidos de sus deudas, es probable que sus incumplimientos se denuncien a agencias de información crediticia, como ser moras, atrasos, punitorios, bajas de cuentas o saldos adeudados. Su acreedor podría elevar la tasa de interés aplicable a su cuenta e imponer otra clase de penalidades, como ser intereses punitorios por mora o resarcitorios por sobregiros o cargos semejantes. Hasta que su cuenta sea dada de baja, su saldo podría seguir creciendo a medida que su acreedor vaya sumando penalidades, comisiones e intereses devengados al capital adeudado; y, si las negociaciones resultan infructuosas, se le podría exigir a usted que pague la totalidad de su saldo pendiente. Aun cuando tengamos éxito al momento de negociar una resolución a su favor por un monto menor al saldo total, su acreedor podría denunciar ante las agencias de información crediticia que la cuenta fue «liquidada por menos que la cantidad total».
Cuando su acreedor acuerde conciliar una deuda, un ahorro de US$600 o más (lo cual significa que al menos US$600 menos de lo que debe al momento de la liquidación) podría ser declarado por su acreedor al IRS como ingreso por Cancelación de Deuda. Usted debería consultar a su asesor impositivo para determinar si sus circunstancias personales le requieren incluir cualquier Ingreso por Liquidación de Deuda en sus ingresos declarables o bien si usted califica para recibir una exclusión por insolvencia. Para obtener más información sobre las implicancias tributarias que para usted podría tener personalmente, consulte el sitio web del IRS , para conocer la Publicación 908 del IRS «Guía Tributaria para Concursos y Quiebras» y el Formulario 982 del IRS, Reducción de Créditos Fiscales Por Liquidación de Deudas.

En síntesis, cada caso es único y, en consecuencia, cabe esperar que los resultados, supeditados tanto a la posibilidad que usted tenga de ahorrar fondos suficientes y la predisposición de sus acreedores para negociar una liquidación por un monto menor al saldo total, varíen significativamente. Para aquellos consumidores que se encuentran en estados comprobables de dificultades económicas, un programa de liquidación de deudas puede ser una manera muy eficaz de resolver deudas quirografarias, pero no es un proceso indoloro ni tampoco se pueden dar garantías en cuanto a los montos definitivos de liquidación ni a los plazos en que ésta se concrete.

Contact Us

RemDebt is committed to responding promptly to any questions or concerns you may have about this Notice. If you have questions concerning the methods by which RemDebt collects or uses your personal information as explained in this Notice and our Online Privacy Policy, the rights granted to you under the CCPA, or how to exercise your rights, or if you are a consumer with a disability and you wish to receive a copy of this Notice, you can contact us by calling, writing, or emailing us:

Email: info@info@remdebt.com

Address: 2321 E 4th St. C478 Santa Ana CA 92705

Phone No.: (855) 552-0586

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