PLEASE READ THESE TERMS AND CONDITIONS OF USE CAREFULLY. BY ACCESSING OR USING THIS WEB SITE, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS DESCRIBED HEREIN AND ALL TERMS, GUIDELINES AND DISCLOSURES INCORPORATED BY REFERENCE. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT USE THIS WEBSITE.

These terms and conditions of use (“Site Terms“) apply exclusively to your access to, and use of, the Debthunch Web site owned and operated by InboundProspect, Inc. dba Debthunch and located at www.Debthunch.com (the “Site“), and the information and other services provided therein (the “Services“). These Site Terms do not alter in any way the terms or conditions of any other agreement you may have with Debthunch or its subsidiaries or affiliates for products, services or otherwise. If you are using the Site on behalf of any entity, you represent and warrant that you are authorized to accept these Site Terms on such entity’s behalf, and that such entity agrees to indemnify you and Debthunch for violations of these Site Terms.

Debthunch reserves the right to change or modify any of the terms and conditions contained in these Site Terms or any policy or guideline of the Site, at any time and in its sole discretion. Debthunch will provide notice of these changes by posting the revised terms on the Site and indicating on the Site Terms the date it was last updated. Any changes or modification will be effective immediately upon posting of the revisions on the Site. Your continued use of this Site following the posting of its changes or modifications will constitute your acceptance of such changes or modifications. If you do not agree to the amended terms, you must stop using the Site.

1. Privacy Policy
Please refer to our Privacy Policy for information on how we collect, use and disclose personally identifiable information from Site users.

2. Consent to Telephone Communication
You give Debthunch and its partners express written consent, to call (including prerecorded messages) or text the telephone number provided with your Loan Inquiry using an automatic telephone dialing or messaging system. You acknowledge that receipt of telephone calls and text messages to a mobile telephone number may be subject to service provider charges. If you do not want to receive telephone calls or text messages to this telephone number, then you can unsubscribe by sending an email to info@debthunch.com with the subject line “STOP CALLS” or by calling a customer service representative at 1 (800) 299-3511.

3. Debt Consolidation Company Selection Process
Debthunch offers debt consolidation request services, explained in more detail below. Pursuant to the contracts between Debthunch and its debt consolidation companies, Debthunch may also receive information from your debt relief company regarding the status of your application including, but not limited to, the amount or disposition of your debt consolidation. Information specific to your debt consolidation company’s use of your information will be found in your debt consolidation company’s specific Privacy Policy. You are providing express written consent for Debthunch and the selected debt consolidation company to share this private personally identifiable information for these purposes, litigation, regulatory request, law enforcement requests, internal analytics and/or for marketing purposes.

Terms Applicable to All debt consolidation Request Services
Debthunch is not a debt consolidation company or a creditor. Debthunch does not make debt consolidation or credit decisions in connection with debt consolidation. Debthunch does not endorse or recommend the products of any particular debt consolidation company. Debthunch is not an agent of either you or any debt consolidation company. Debthunch’s services are only administrative. You should rely on your own judgment in deciding which available debt consolidation product, terms or debt consolidation company best suits your needs and financial means. The debt consolidation company is solely responsible for its services to you, and you agree that Debthunch shall not be liable for any damages or costs of any type arising out of or in any way connected with your use of such services. You understand that debt consolidation companies may keep your debt relief request information and any other information provided by Debthunch or received by them in the processing of your debt consolidation request, whether or not you are qualified for debt consolidation with them or if you purchase debt consolidation services from them. You agree to notify any particular debt consolidation company directly if you no longer want to receive communications from them.

The websites and the services provided by Debthunch are available in connection with debt consolidation services unless otherwise specified. debt consolidation services may only be made available to residents of states where debt consolidation companies are licensed or authorized to offer such debt consolidation services. debt consolidation companies are not attempting to offer debt consolidation services outside of their authorized states or country by participating in and offering their products on the websites. Debthunch and debt consolidation companies expressly reserve the right to discontinue, suspend or terminate the offering of any debt consolidation product in any specific state through the websites at any time, without prior notice.

The data and other information you may provide Debthunch is not, and is not treated as, an application for debt consolidation services or a request to be pre-approved, pre-qualified or any similar concept. Debthunch does not guarantee acceptance into any particular debt consolidation program or specific debt consolidation terms or conditions with any debt consolidation company; debt consolidation approval standards are established and maintained solely by individual debt consolidation companies. Likewise, Debthunch does not guarantee that the debt consolidation terms or rates or fees offered and made available by debt consolidation companies are the best terms or lowest rates or fees available in the market. A debt consolidation company’s conditional debt consolidation offer may be subject to market conditions, approval and qualification. The rates and fees actually provided by debt consolidation companies may be higher or lower depending on your complete credit profile, collateral/property considerations (if applicable) including but not limited to location and income/asset consideration including but not limited to debt to income ratios. Unless expressly stated in writing, nothing contained herein shall constitute an offer or promise for a debt consolidation commitment or interest rate lock-in agreement. debt consolidation companies may not offer all products as well as not offer products in all states. You might not be matched with the debt consolidation company making any specific offer. To help the government fight identity theft, the funding of terrorism and money laundering activities, Debthunch and/or its debt consolidation companies may obtain, verify and record information that identifies each person who opens an account with them. They may ask for your name, Social Security Number, address, telephone number, date of birth and other important information that will allow them to properly identify you. During the debt consolidation company’s formal application process, they may also ask to see your driver’s license or other identifying documentation to further assist in certifying your identity.

Debthunch is paid a marketing lead generation fee by debt consolidation companies for the goods, facilities and services provided. Your use of the Websites and/or Debthunch’s services constitutes your agreement with this compensation arrangement. At closing, you will be responsible for paying for any costs associated with your debt consolidation services (such as debt consolidation negotiation or resolution fees). Debthunch does not charge you a fee for its service in matching you with debt consolidation companies.

By clicking on any button indicating an acceptance or agreement to terms, a continuance of processing or submission (“submission”) you understand that you are consenting, acknowledging and agreeing to the stated terms and conditions of that submission and that you are submitting an inquiry as to a debt relief or credit repair product through Debthunch to each of the debt consolidation companies to whom your debt relief request is transmitted. You are also indicating that you are consenting, acknowledging and agreeing to receive important notices, disclosures and other communications (“Disclosures and Communications”) in electronic form (either by email or via the Internet) as provided for in the Consent for Electronic Disclosures and Communications from Debthunch and its debt consolidation companies. You understand that you will need, and have access to an email address, Internet access and PDF software to review the Disclosures and Communications. In addition, you acknowledge that debt consolidation companies may access your credit file even if your Social Security Number is not provided and that you have received and reviewed and, where applicable, signed the necessary required disclosures. Not all debt consolidation companies will receive and/or utilize your Social Security Number to access your credit report and/or credit score. From time-to-time Debthunch is examined by State and Federal Regulators and as such is required to maintain your Personally Identifiable Information to adhere to those requirements. Your information may also be obtained from debt consolidation companies after you are matched to adhere to state and federal reporting and record retention requirements. You authorize Debthunch and its participating debt relief companies to share such information as required.

By submitting the debt consolidation request containing your electronic signature, you are extending an express invitation to each debt consolidation company you have been matched with to contact you by telephone at the numbers (whether landline or mobile) you have provided so they may assist you with your transaction, and you hereby consent to any such calls even if your phone number is on any Do Not Call list, or by email at the email address you provided or at another address that may be associated with you that we receive from debt consolidation companies or other parties and you hereby consent to any such email so it will not be considered spam or unauthorized by any local, state or federal law or regulation. In addition, you consent, acknowledge and agree that Debthunch, a debt consolidation company with whom you have been matched or an associated third party may use an automatic dialing system in connection with calls made to any telephone number you entered, even if it is a mobile phone number or other service for which the called person(s) could be charged for such call. By saving your information with Debthunch or by doing a submission, you give Debthunch permission to retain all such provided information and to make live or recorded calls to discuss, provide or remind you of any information in regards to your submission, including incomplete debt consolidation requests, the delivery of debt consolidation request matches, deadlines, quality of services or other matters in connection with your debt consolidation request. For any service, you represent that all of the information you have provided in your submission and debt consolidation request is true and complete. You have the right to receive any document in non-electronic form and to withdraw your consent to electronic delivery at any time by contacting Debthunch at info@debthunch.com.

When you “submit” information, or otherwise register for services through the Debthunch website or otherwise, you understand and agree that you have established a business relationship between you and Debthunch which is the owner of this site. Accordingly, Debthunch may send your information to its affiliates as provided in the Privacy Policy and you agree that Debthunch and/or its Companies may contact you using information you provided with information and offers of services available through Debthunch and the websites. You hereby consent to any such communication or phone calls even if your phone number is on any Do Not Call list. If at any time you do not wish to continue to receive communications from Debthunch or its Companies’ or its affiliates’ communications you agree to notify Debthunch at 1 (800) 299-3511 or by emailing info@debthunch.com directly if you no longer want to receive other forms of communications from us.

4. Copyright and Limited License
Unless otherwise indicated, the Site and all content and other materials on the Site, including, without limitation, Debthunch logo, and all designs, text, graphics, pictures, reviews, information, data, software, sound files, other files and the selection and arrangement thereof (collectively, the “Site Materials“) are the proprietary property of Debthunch or its licensors or users and are protected by U.S. and international copyright laws. You are granted a limited, non-sublicensable license to access and use the Site and electronically copy, (except where prohibited without a license) and print to hard copy portions of the Site Materials for your informational, non-commercial and personal use only. Such license is subject to these Site Terms and does not include or authorize: (a) any resale or commercial use of the Site or the Site Materials therein; (b) the collection and use of any listings, pictures, profiles, ratings or descriptions; (c) the distribution, public performance or public display of any Site Materials, (d) modifying or otherwise making any derivative uses of the Site and the Site Materials, or any portion thereof; (e) use of any data mining, robots or similar data gathering or extraction methods; (f) downloading (other than the page caching) of any portion of the Site, the Site Materials or any information contained therein, except as expressly permitted on the Site; or (g) any use of the Site or the Site Materials other than for its intended purpose. Any use of the Site or the Site Materials other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the license granted herein. Such unauthorized use may also violate laws including without limitation copyright and trademark laws and applicable communications regulations and statutes. Unless explicitly stated herein, nothing in these Site Terms shall be construed as conferring any license to intellectual property rights, whether by estoppel, implication or otherwise. This license is revocable at any time.

5. Disclaimers and Acknowledgements Regarding Use of Site Information
THE SITE, THE SITE MATERIALS (INCLUDING ANY DEBT CONSOLIDATION INFORMATION) AND THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT AS TO THE INFORMATION, CONTENT OR MATERIALS IN THE SITE. WE DO NOT REPRESENT OR WARRANT THAT SITE MATERIALS, INCLUDING THE INFORMATION AVAILABLE IN OR ON THE SITE, OR THE SERVICES ARE ACCURATE, COMPLETE, RELIABLE, CURRENT OR ERROR-FREE. WE DO NOT REPRESENT OR WARRANT THAT THE SITE OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

While we endeavor to provide and to allow others to provide useful information regarding debt consolidation companies and related services, you acknowledge that such information is reliant upon third party data and contributions, that there are certain inherent limitations to the accuracy or currency of such information, that information may be incomplete or may contain inaccuracies (including without limitation any interpretations and reviews of such information and Site Materials), and that information on the Site may be outdated or contain errors, omissions or misinterpretations of information. You further acknowledge that a Debthunch rating and other data, summaries or descriptions on the Site are based on the data obtained by or submitted to us, which may be incomplete or inaccurate, and rely on automated interpretations of the information gathered by or submitted to Debthunch. A Debthunch rating reflects our assessment of a given debt consolidation company based upon the information obtained by or submitted to us; someone else’s assessment of the same entity may be different or based upon different information. Neither a Debthunch rating nor any of the other information contained on the Site are an endorsement of any particular debt consolidation company or are a guarantee of quality, competency, qualifications, experience, resources, character, honesty, integrity, responsiveness or other characteristics, nor are they a predictor of the outcome of any matter in which such entity is involved. You agree to be solely responsible for your use of the Site and the Site Materials and for determining the suitability of, and the results obtained from, any debt consolidation company you contact.

Additional information about Site Materials, the sources of information displayed on the Site, and other important matters is contained within the Site, and you acknowledge and agree that your use of the Site, or of any information or features in or on the Site, is informed by and subject not only to these Site Terms but also by the information and explanation available on these pages.

WE ARE NOT RESPONSIBLE FOR ERRORS OR OMISSIONS IN ANY INFORMATION OR MATERIALS CONTAINED ON THE SITE. WHILE WE ATTEMPT TO MAKE YOUR ACCESS AND USE OF THE SITE SAFE, WE CANNOT AND DO NOT REPRESENT OR WARRANT THAT THE SITE OR ITS SERVER(S), OR ANY CONTENT OR MATERIALS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. THEREFORE, YOU SHOULD USE INDUSTRY-RECOGNIZED SOFTWARE TO DETECT AND DISINFECT VIRUSES, SPYWARE, MALWARE, AND OTHER HARMFUL OR OTHERWISE UNDESIRABLE COMPONENTS FROM ANY DOWNLOAD.

We reserve the right to change any and all content contained in the Site and any services offered through the Site at any time without notice. Reference to any service providers or organizations, governmental entities, educational institutions, associations, organizations, publications, licenses, ratings, evaluations, endorsements, reviews, products, services, processes or other information, by name, trade name, trademark, manufacturer, supplier or otherwise does not constitute or imply endorsement, sponsorship or recommendation thereof, or any affiliation therewith, by Debthunch.

6. Limitation of Liability
IN NO EVENT SHALL DEBTHUNCH OR ANY OF ITS CORPORATE AFFILIATES, INDEPENDENT CONTRACTORS, SERVICE PROVIDERS OR CONSULTANTS, OR ANY OF THEIR RESPECTIVE DIRECTORS, EMPLOYEES AND AGENTS, BE LIABLE FOR ANY DIRECT, SPECIAL, INDIRECT OR CONSEQUENTIAL DAMAGES, OR ANY OTHER DAMAGES OF ANY KIND, WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE, ARISING OUT OF OR IN ANY WAY RELATED TO OR CONNECTED WITH ANY USE OF THE SITE, THE SERVICES OFFERED THEREON, THE CONTENT OR THE MATERIALS CONTAINED IN OR ACCESSED THROUGH THE SITE, INCLUDING WITHOUT LIMITATION ANY DAMAGES, LOSS OR INJURY CAUSED BY OR RESULTING FROM RELIANCE BY USER ON ANY INFORMATION OBTAINED FROM DEBTHUNCH OR THE SITE, OR THAT RESULT FROM MISTAKES, OMISSIONS, INTERRUPTIONS, DELETION OF FILES OR EMAIL, ERRORS, DEFECTS, VIRUSES, DELAYS IN OPERATION OR TRANSMISSION OR ANY FAILURE OF PERFORMANCE, WHETHER OR NOT RESULTING FROM ACTS OF GOD, COMMUNICATIONS FAILURE, THEFT, DESTRUCTION OR UNAUTHORIZED ACCESS TO OUR RECORDS, PROGRAMS OR SERVICES. OUR AGGREGATE LIABILITY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED), PRODUCT LIABILITY, STRICT LIABILITY OR OTHER THEORY, ARISING OUT OF OR RELATING IN ANY MANNER TO THE USE OF THE SITE OR THE SITE MATERIALS, SHALL NOT EXCEED ANY COMPENSATION YOU PAY TO US FOR ACCESS TO OR USE OF THE SITE, WHICH AMOUNT MAY BE ZERO.

7. Third Party Content; Third Party Services
Debthunch or Site users may provide links to Web pages and content of third parties as a service to those interested in such links and content, and we may post third party content or allow users to post their content or third party content to the Site (such content is collectively referred to as “Third Party Content“). We do not monitor or have any control over any Third Party Content or third party Web sites. We do not endorse or adopt any Third Party Content or third party Website and can make no guarantee as to its accuracy or completeness. We do not represent or warrant the accuracy of any information contained therein and undertake no responsibility to update or review any Third Party Content or third party Websites. Users use these links, Third Party Content and third party Websites at their own risk.

Debthunch is an online resource for consumers who are evaluating the costs and benefits of acquiring a debt consolidation. Debthunch provides consumers with opportunities to contact debt consolidation debt consolidation companies in order to receive information from them, including interest rate quotes, debt consolidation application reviews, debt consolidations and other professional services related to debt consolidations. Debthunch, in turn, may receive a fee from these debt consolidation debt consolidation companies for providing them with the opportunity to respond to submitted requests (opportunities). Debthunch does not charge consumers a fee either to use the Site or any of the Services. Neither is Debthunch itself a debt consolidation company. Under no circumstance will Debthunch be liable in any way for services or products provided by third parties, including debt consolidation companies, Third-Party Vendors, or for any loss or damage of any kind incurred as a result of the use of, or reliance upon, such products or services.

8. Advertisements and Promotions
We may run advertisements and promotions from third parties on the Site. Your business dealings or correspondence with, or participation in promotions of, advertisers other than Debthunch, and any terms, conditions, warranties or representations associated with such dealings, are solely between you and such third party. We are not responsible or liable for any loss or damage of any sort incurred as the result of any such dealings or as the result of the presence of such advertisers on the Site.

9. Submissions
You acknowledge and agree that any materials, including but not limited to questions, comments, reviews, suggestions, ideas, feedback, plans, notes, original or creative materials or other information, provided by you in the form of email or other submissions to us, or any postings on the Site, are non-confidential and shall become our sole property. Debthunch shall own exclusive rights, including all intellectual property rights, and shall be entitled to the unrestricted use and dissemination of these materials for any purpose, commercial or otherwise, without acknowledgment or compensation to you.

10. Indemnification
You agree to defend, indemnify and hold harmless Debthunch, its corporate affiliates, independent contractors, service providers and consultants, and each of their respective directors, employees and agents, from and against any claims, damages, costs, liabilities and expenses (including, but not limited to, reasonable attorneys’ fees) arising out of or related to any data or materials you post, store or otherwise transmit on or through the Site (“User Content”) or your use of or inability to use the Site or the services offered thereon, including without limitation any actual or threatened suit, demand or claim arising out of or relating to User Content, your conduct, your violation of these Site Terms or your violation of the rights of any third party.

Arbitration Agreement and Class Action Waiver. You agree to arbitrate all disputes and claims that arise out of or relate to your use of the this website and any services we may provide to you. Therefore, you agree that, by using the Service, YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE IN ANY CLASS ACTION BASED ON OR INVOLVING CLAIMS BROUGHT IN A PURPORTED REPRESENTATIVE CAPACITY ON BEHALF OF THE GENERAL PUBLIC, OTHER USERS, OR PERSONS SIMILARLY SITUATED. This agreement to arbitrate includes, without limitation, claims arising out of or relating to the Service or your use thereof, regardless of when they may arise.  Any arbitration proceeding brought under this section shall be conducted by an arbitration service provider chosen by Debthunch applying California law.  The arbitration may be conducted telephonically, with the costs to be split evenly between the parties.

 Limitation of Actions.  Any claim or cause of action arising out of your use of the Site or our services must be filed within one year after such claim or cause of action arose or it shall forever be barred, notwithstanding any statute of limitations or other law to the contrary. Within this period, any failure by Debthunch to enforce or exercise any provision of these Terms of Service or any related right shall not constitute a waiver of that right or provision.

Modification and Notice of Changes:  Debthunch reserves the right to modify these Terms of Service at any time.  If we elect to modify these Terms, we will post a notice informing users of the change on the Site.  You are responsible for reviewing the modified Terms of Service, and accessing this Site after any changes to these Terms have been posted thereon will constitute your acceptance of all such changes. You have the right to accept or reject any changes in these Terms. If you reject any changes in these Terms, please discontinue use of the Site immediately. Unless specifically stated otherwise, any new features, products or services added to the Site shall be subject to these Terms. Some new features may require your acceptance of new or additional terms before use.

Entire Agreement. This Terms of Service and any document incorporated by reference herein constitute the entire agreement between you and us and govern your use of the Service, superseding any prior agreements between us.

11. Applicable Law and Venue

These Site Terms and your use of the Site shall be governed by and construed in accordance with the laws of California applicable to agreements made and to be entirely performed within California (even if your use is outside of California), without resort to its conflict of law provisions. You agree that any action at law or in equity arising out of or relating to the Site or these Site Terms shall be filed only in the state and federal courts located in California, and you hereby irrevocably and unconditionally consent and submit to the exclusive jurisdiction of such courts.

12. Termination
Notwithstanding any of these Site Terms, we reserve the right, without notice and in our sole discretion, to terminate your license to use the Site, and to block or prevent your access to and use of the Site. We reserve the right to refuse service to anyone for any reason at any time.

13. Severability
If any provision of these Site Terms shall be deemed unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Site Terms and shall not affect the validity and enforceability of any remaining provisions.

14. Top Debt Consolidation Companies
Top is the designation used by Debthunch to classify a select group of debt consolidation companies that have passed Debthunch’s proprietary debt consolidation screening criteria, which was designed to identify debt consolidation companies that have demonstrated good performance in categories such as industry best practices, customer service, financing, affordability, product quality, consumer reviews and ratings and other factors. At the time of selection, all debt consolidation companies passed Debthunch’s proprietary screening criteria in the aforementioned categories. No guarantees or warrantees, expressed or implied, are made by Debthunch on behalf of the top debt consolidation companies. (reference Paragraph 3).

15. Questions & Contact Information
All questions or comments about the Site or its contents should be directed to us by mail, phone or email.

16. Corporate Information
Debthunch
1301 Dove Street, Suite 830
Newport Beach, CA 92660
info@debthunch.com

Date of Last Revision: July 4, 2019

This Privacy Policy describes how Debthunch collects, uses, shares, and protects your information. This Privacy Policy applies to all information collected by Debthunch through this website and our services. Your use of this website and our services, and any disputes arising from it, is subject to this Privacy Policy as well as our Terms of Service and all of the dispute resolution provisions contained therein.

This Privacy Policy is intended to only cover our privacy practices. We are not responsible for the privacy practices of any websites you may access from our site (such as the site of a debt consolidation company with whom you are matched). When you leave Debthunch website, we encourage you to carefully review the privacy policies on all other websites you visit.

Information We Collect

We may collect information about you such as your name, mailing address, email address and phone number (“Personal Information”). We also collect information such as demographic data and data about your activity on our website (“Non-Personal Information”) and information when you apply for debt consolidation with Debthunch partners or affiliates. In connection with an application or transaction, you might enter additional information, which could include your social security number, date of birth, financial information, email addresses, phone numbers and other personal information.

Other Sources

We may also collect information about you from third parties. Such information may include, without limitation, information to supplement or confirm the information you’ve provided and other demographic information about you.

How We Collect Information From You

We may collect information from you when you use our services. The information we collect from you may vary depending on the product or service you are seeking. We may also collect information from you if you otherwise contact us.

Browser Cookies

Browser cookies are pieces of data stored on your computer that allow us to identify your browser software the next time you visit our website, and to provide us with information about pages viewed and how you navigated to our site (e.g., web search or link). Cookies can be used for website functionality, security, marketing, analytics, and ad operations.

In addition to using our own cookies, our website may also use cookies belonging to third-party entities involved in analytics, ad operations and third-party hosted solutions. Some of these cookies allow third parties to identify your browser software when you visit other sites. For example, some of these cookies are used for the purpose of serving behaviorally targeted advertising.

We use both session ID cookies and persistent cookies. For the session ID cookie, once a user closes his or her browser, the cookie simply expires. A persistent cookie, however, persists across browsing sessions, and is set to expire at a future date, which could be days, months, or years in the future. Persistent cookies can be removed by consulting the “Help” features in your browser. Like most standard website servers, we use log files to collect Non-Personal Information. This information includes, among other things, Internet Protocol (IP) addresses, browser type, device information, Internet Service Provider (ISP), referring/exit pages, operating system, date/time stamp and number of clicks. We may also collect information about your browser and device, such as installed fonts, screen size, and screen resolution, which, together with other information, my uniquely distinguish your browser software or device from others.

Flash Cookies

“Flash” cookies, also known as “local shared objects,” are small pieces of data stored on your computer that can serve the same or similar purposes as browser cookies (as well as some additional purposes relating to the functioning of Adobe Flash technology which is used to serve rich content such as videos and animation). “Flash” cookies, however, are not associated with browser software, but rather with Adobe software, such as Flash Player. “Flash” cookies can be removed by consulting guidance on the Adobe website, at adobe.com.

Other Data Collection Technologies

Web Beacons. We may use web beacons in the form of extremely small “.gif” files, which are electronic images that allow for the collection of information about your interactions on our sites. Web beacons may be used, for example, to place advertisements, to understand website traffic patterns and the number of visitors to our website, and to measure the effectiveness of advertisements or our website.

Social Network and Other Widgets. Our website may include social network or other third-party plug-ins and widgets that may provide information to their associated social networks or third-parties about the page you visit, even if you do not click on or otherwise interact with the plug-in or widget and regardless of whether you have an account or other relationship with these social networks and third-parties. Information is transmitted from your browser and may include an identifier assigned by the social network or third party, information about your browser type, operating system, device type, IP address and the URL of the web page where the plug-in or widget appears. If you use social network tools or visit social networking sites, you should read their privacy disclosures, to learn what information they collect, use, and share.

How Debthunch Uses Information

We may use your information to perform, without limitation, the following tasks:

• To connect you with debt consolidation companies;
• To provide you with additional products and services;
• To communicate with you about products or services that may be of interest to you;
• To provide you with customer support;
• To research and analyze your use or interest in our products and services;
• To develop and display content and services tailored to your interests;
• To improve our website, products and services; or
• To measure the effectiveness of our advertising, content, and other activities.

With Whom Debthunch Shares Your Information

When you submit a request through this website, you agree that we will disclose your Information to debt relief companies within our network.

The debt consolidation companies that receives your information may retain or use your information whether or not you use their services. If you have questions about the information sharing practices of these companies, you should contact them directly as their practices may differ from ours.

Other Situations. We also may disclose your information at our sole discretion in the following limited situations:

• In response to a subpoena, court order, or request from law enforcement or other government agency; to establish or exercise our legal rights; to defend against legal claims; or as we reasonably believe is required by law. In such cases, we may raise or waive any legal objection or right available to us.
• When we believe disclosure is necessary to investigate, prevent or take other action regarding actual or suspected illegal activity or other wrongdoing; to protect and defend the rights, property or safety of our company, our users, our employees or others; or to enforce our Terms of Service or other agreements or policies.
• In connection with a corporate transaction, such as the sale of our business, a divestiture, merger, consolidation, asset sale, or bankruptcy.

You can choose not to provide us with certain information, but that may result in the inability to connect you to a debt consolidation company.

You may opt out of receiving marketing communications from Debthunch by following the instructions at the bottom of the email or by contacting us at info@debthunch.com. Please note that such requests may take a reasonable time to become effective.

You may contact us any time with questions about your choices with respect to your Personal Information or Non-Personal Information or this Privacy Policy at info@debthunch.com.

Updating, Accessing and Deleting Your Personal Information

You may have the ability to view or edit some of your Personal Information online. If you have submitted your information to us, you can update your Personal Information by contacting us at info@debthunch.com.

How We Protect Your Personal Information

We take appropriate security measures to help safeguard your Personal Information from unauthorized access and disclosure. Although we take these measures, we do not guarantee that your information will always remain secure.

Special Notice to California Residents

If you are a resident of California, in addition to the rights set forth in this Privacy Policy:

We may not share information about you with other companies, whether affiliated or not, except in the limited circumstances permitted under state law, or if you give us your permission. You have given us permission if you submit the Personal Information requested on the landing page.

You have the right to request information from us regarding the manner in which we share certain categories of information with third parties for their direct marketing purposes. California law gives you the right to request from us the following information: (i) categories of information we disclosed to third parties for their direct marketing purposes during the preceding calendar year; (ii) names and addresses of the third parties that received that information; and (iii) if the nature of the third party’s business cannot be determined from their name, examples of the products or services marketed.

To make such a request, please contact us at info@debthunch.com.

Special Notice to Vermont Residents

We will not share any information about you with other companies to the extent prohibited by applicable Vermont law or to the extent your prior consent to share is required by applicable Vermont law. You have given us permission if you submit the Personal Information requested on the landing page.

Special Notice to North Dakota Residents

We will only share information about you with our service providers and with third parties as required or permitted by law, or if you give us your permission. You have given us permission if you submit the Personal Information requested on the landing page.

Children

The information and services provided by Debthunch are not intended or directed towards children under the age of 13. We do not knowingly collect or use any information about children whatsoever.

Changes to this Privacy Policy

We may update or modify this Privacy Policy to reflect changes to how we will collect, use, or share your information. We display an effective date on the lower left corner of the Privacy Policy so that it will be easier for you to know when there has been a change. You should check the Privacy Policy on a regular basis for the most current privacy practices. Your continued use of our websites will signify your acceptance of the changes to the Privacy Policy.

Visiting from Outside the United States

This Privacy Policy is intended to cover collection of information on our website from residents of the United States. If you are visiting our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection and other laws of the United States and other countries may differ from those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Privacy Policy.

No Rights of Third Parties

This Privacy Policy does not create rights enforceable by third parties or require disclosure of any information relating to users of our website.

Security Policy

In consideration of your use of the Site, you agree to (a) provide accurate, current and complete information about you as may be prompted by any registration forms on the Site (“Registration Data“); (b) maintain the security of any password and identification; (c) maintain and promptly update the Registration Data, and any other information you provide to us, to keep it accurate, current and complete; and (d) accept all risks of unauthorized access to the Registration Data and any other information you provide to us. In addition, you agree not to access or use, or attempt to access or use, the Site or any part thereof using the identity or the Registration Data of any person other than you.

While no data transmission over the Internet or information storage technology can be guaranteed to be 100% secure, Debthunch understands your concerns with the safety of your personal information. The following is a summary of the measures Debthunch takes to protect your information and descriptions of ways we implement these measures for different types of information you may provide to us.

Secure Web Pages and Encryption

Debthunch uses well-known and vetted security technologies to protect your data and transmissions between you, Debthunch, debt consolidation professionals participating in the Debthunch Websites (please see the Terms of Use Agreement and Privacy Policy for additional information, definitions and terms that govern this Policy). Transmissions between Debthunch, debt consolidation professionals are encrypted using public key cryptography algorithms with a minimum key size of 128 bits.

Those pages on the Websites that ask for your personal financial information are delivered to your browser through HTTPS, a secure server communications layer. Transmission between your browser and our web server, including when you send your personal financial information to us, is implemented using Secure Sockets Layer (SSL) technology. SSL encrypts it, making the information unreadable by anyone except Debthunch. SSL does not allow anyone to intercept and read your personal information; only we can decode the encryption. This technology requires any modern web browser such as Internet Explorer, Firefox, Safari or Opera. You can verify that your communications with Debthunch are secure by checking for the key or lock icon on your browser. If your browser’s security feature has been turned on, a pop up box will notify you when you enter a secure page.

Extended Validation SSL Certificates give high-security Web browsers information to clearly identify a Website’s organizational identity. As people use the Web for commerce, business, and social activities, they share personal and confidential information. High profile incidents of fraud and phishing scams have made Internet users very concerned about identity theft. Before they enter sensitive data, they want proof that the Website can be trusted and their information will be encrypted. Without it, they may abandon their transaction and do business elsewhere. High security browsers and Extended Validation SSL Certificates provide third-party verification with a visual display (Green address bar) that gives consumers confidence and builds trust in Debthunch. An Extended Validation SSL Certificate helps our web visitors complete secure transactions with confidence and puts our organization in a leadership position.

Another important information security measure in place throughout the Websites is the timeout feature. This feature will log you out if there has been no activity within a specified amount of time.

Firewall Protection

Firewalls are special purpose devices that protect and screen-out malicious attempts to access information and networks. Debthunch deploys firewalls at several points in its environment, including between you and the webserver, the database servers, and Debthunch’s internal production networks.

Contact Us

If you have any questions about our Privacy Policy or our privacy practices in general, please contact us by mail, phone or email.

Debthunch
1301 Dove Street, Suite 830
Newport Beach, CA 92660
info@debthunch.com

Date of Last Revision: July 31, 2017