Last updated: September 27, 2025

Privacy and Data Protection Policy and Notice

DebtCompanyReviews.com (the "Site") is owned and operated by Debt Company Reviews, LLC ("Debt Company Reviews," "we," "us," or "our"). This Privacy Policy explains how we collect, use, disclose, and safeguard personal information and other data when you interact with the Site, our related communications, and any online services that display or link to this notice.

For purposes of the EU/UK General Data Protection Regulation (GDPR), the California Consumer Privacy Act as amended (CCPA/CPRA), and similar privacy laws, Debt Company Reviews is the data controller of personal information collected directly through the Site. When we process end-user data strictly on behalf of an advertiser, publisher, or other business partner who directs that processing, we act as their data processor or service provider. Their privacy policy and instructions govern the processing in those situations.

1. Scope and Roles

This Privacy Policy applies to information that we collect about visitors and users of the Site, subscriber communications, and related lead-generation activities. It does not apply to information processed by third parties that we do not control, including websites linked from the Site, nor does it apply to data we process purely on behalf of our business customers under a separate agreement.

2. Information We Collect

We collect personal information that identifies, relates to, describes, references, or could reasonably be linked with a particular consumer or household. The categories of information we collect may include:

• Identifiers such as name, alias, postal address, email address, phone number, and unique identifiers (including cookies and similar device identifiers).
• Customer records such as account credentials, contact preferences, and interaction history with our content or partners.
• Financial information such as limited payment-related details if you provide them to facilitate a transaction or request.
• Commercial information such as products or services viewed, requested, or purchased, including records of sweepstake or promotion participation.
• Internet or network activity such as browsing history, search history, referral URLs, pages viewed, time spent on the Site, and interaction information collected via cookies, pixels, and similar technologies.
• Geolocation data derived from IP address or device settings that may indicate the approximate city or region in which you are located.
• Professional or employment information and other demographic details when you volunteer them in forms or surveys.
• Inferences drawn from any of the above categories to create audience segments or personalize content.
• Log files and device data such as browser type, operating system, mobile carrier, date and time stamp, referring and exit pages, and diagnostic data.

We may also collect, use, and disclose aggregated, de-identified, or anonymized information that cannot reasonably be linked with you personally. We maintain such information in de-identified form and do not attempt to re-identify it.

3. Sources of Personal Information

We collect personal information from the following sources:

• Directly from you when you complete web forms, subscribe to communications, request information, enter a promotion, or otherwise interact with us.
• Automatically through cookies, pixels, web beacons, SDKs, and similar technologies when you browse the Site, open our emails, or engage with our advertising.
• From partners including advertising networks, lead-generation partners, analytics providers, data brokers, and social media platforms who lawfully supply information about shared audiences.
• Publicly available sources such as government databases, professional networking sites, and other publicly accessible resources.

4. How We Use Personal Information

We use personal information for the following business and commercial purposes:

• Providing, maintaining, operating, and improving the Site and our services.
• Responding to inquiries, matching you with solutions or offers that you request, and delivering customer support.
• Personalizing content, measuring engagement, and conducting analytics to understand how the Site is used.
• Facilitating marketing, retargeting, and advertising (including cross-context behavioral advertising) consistent with applicable law.
• Detecting, preventing, and addressing security incidents, fraud, abuse, or other malicious activity.
• Complying with legal obligations, enforcing agreements, and protecting the rights, property, or safety of Debt Company Reviews, our users, and others.
• Conducting audits, research, reporting, and other internal business operations.
• Supporting corporate transactions, such as mergers, acquisitions, reorganizations, or asset sales.

5. When We Share Personal Information

We disclose personal information to the categories of recipients described below for the business purposes outlined in this Privacy Policy. We do not sell personal information for monetary consideration; however, we may disclose personal information for cross-context behavioral advertising, which may be considered a "sale" or "sharing" under certain state privacy laws.

• Service providers that host the Site, process data, deliver communications, provide analytics, verify leads, or support customer service.
• Advertising and marketing partners that assist with audience measurement, ad placement, campaign management, and retargeting.
• Affiliates and subsidiaries of Debt Company Reviews within the same corporate group.
• Professional advisors including attorneys, auditors, insurers, and consultants.
• Legal and regulatory authorities when required to comply with law, respond to lawful requests, or protect our legal rights.
• Business transferees in connection with a corporate transaction, merger, sale of assets, financing, or acquisition.

If required by law, we obtain appropriate contractual commitments from service providers that limit their use of personal information to the services they perform for us.

6. Cookies and Similar Technologies

We and our third-party partners use cookies, pixels, local storage, tags, SDKs, and similar technologies to operate the Site, recognize repeat visitors, remember preferences, analyze traffic patterns, and tailor advertising. You can adjust your browser or device settings to refuse cookies or alert you when cookies are being placed. If you disable cookies, some portions of the Site may not function as intended. For more information about cookies, visit allaboutcookies.org.

Some browsers include a Do Not Track (DNT) feature. Because a uniform technological standard for DNT signals has not been adopted, we do not currently respond to DNT signals. You may opt out of certain third-party advertising cookies using tools provided by the Digital Advertising Alliance and the Network Advertising Initiative.

7. Data Retention

We retain personal information for as long as necessary to fulfill the purposes for which it was collected, to comply with legal, accounting, or reporting obligations, to resolve disputes, and to enforce our agreements. When personal information is no longer required, we will delete it or irreversibly anonymize it in accordance with applicable law.

8. International Data Transfers

The Site is operated in the United States, and personal information may be processed in the United States or other jurisdictions where we or our service providers maintain facilities. If you are accessing the Site from outside the United States, be aware that your information may be transferred to, stored, and processed in jurisdictions that may not provide the same level of data protection as your home country. We implement appropriate safeguards, such as standard contractual clauses, where required by law.

9. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information from accidental, unlawful, or unauthorized access, destruction, loss, alteration, disclosure, or use. These measures include encryption in transit, access controls, network monitoring, and regular review of our security practices. No method of transmission over the Internet or method of electronic storage is completely secure, and we cannot guarantee absolute security.

10. Your Privacy Rights

Depending on where you live, you may have certain rights regarding your personal information. These rights are subject to applicable law and may include limitations or exceptions.

EU/UK/EEA Data Subject Rights

If you are located in the European Union, United Kingdom, or European Economic Area, you may have the right to request access to, correction of, or deletion of your personal information; to object to or restrict certain processing; to request data portability; and, where processing is based on consent, to withdraw consent at any time. You also have the right to lodge a complaint with a supervisory authority.

U.S. State Privacy Rights (including CCPA/CPRA)

Residents of California and certain other U.S. states may have the right to request access to, correction of, or deletion of personal information; to receive information about how we collect, use, disclose, "sell," or "share" personal information; to opt out of the sale or sharing of personal information and targeted advertising; and to limit the use and disclosure of sensitive personal information. California residents will not receive discriminatory treatment for exercising their rights.

Nevada Privacy Rights

Nevada residents may opt out of the sale of certain personal information by emailing us at privacy@debtcompanyreviews.com. We do not currently sell personal information within the scope of Nevada law, but we will record and honor your request.

"Do Not Track"

As noted above, we do not currently respond to web browser "Do Not Track" signals. You can manage cookie preferences using browser tools and opt-out mechanisms provided by industry groups.

11. Submitting Privacy Requests

To exercise your privacy rights or submit questions, please contact us using one of the methods below. When we receive a request, we may need to verify your identity before responding. Authorized agents may submit requests on behalf of a consumer if they provide proof of authorization and we can verify both the agent and the consumer.

• Email: privacy@debtcompanyreviews.com
• Mail: Debt Company Reviews, LLC, Attn: Privacy, 4030 Wake Forest Road, Suite 349, Raleigh, NC 27609

We will respond to requests within the timeframes required by applicable law. If we decline to act on a request, we will explain why and, when required, provide information about how to appeal the decision.

12. Children

The Site is not directed to children under 16 years of age, and we do not knowingly collect personal information from children under 16. If we learn that we have collected personal information from a child under 16 without verifiable parental consent, we will delete the information. If you believe we may have inadvertently collected information from a child, please contact us at privacy@debtcompanyreviews.com.

13. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in our practices, technologies, legal requirements, or other factors. When we make material changes, we will post the updated policy on the Site and revise the "Last updated" date at the top. We may also provide additional notice where required.

14. Contact Us

If you have any questions, comments, or concerns about this Privacy Policy or our privacy practices, please contact us at privacy@debtcompanyreviews.com or by mail at the address listed above.