Privacy Policy

Debt-Agency.us Privacy Policy

Debt-Agency.us and each of its related web sites ("Debt-Agency.us") Privacy Policy

Last updated April 28, 2011.

This Privacy Policy outlines important information regarding the use and disclosure of information collected via this Website. Debt-Agency.us provides this Privacy Policy to help users make an informed decision as to whether to use or continue using the Website.

PLEASE NOTE: OUR PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. Debt-Agency.us DOES NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT THIS WEB SITE. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY PLEASE DO NOT PROVIDE ANY INFORMATION TO Debt-Agency.us OR USE ANY OF THE SERVICES OR PRODUCTS OFFERED OR PROVIDED ON ANY OF THE WEB SITES REFERRED IN THIS PRIVACY POLICY.

This Privacy Policy applies to Debt-Agency.us's collection, use, storage and disclosure of information by Debt-Agency.us on its (a) websites, including all its divisions, subsidiaries and related companies (collectively, the "Website"), (b) on various third party websites, and (c) to Savings Are Here's other information collection, including the purchase of customer lists from third parties. Debt-Agency.us is not responsible for the information collection or privacy practices of third web sites or applications.

By reference, this Privacy Policy is incorporated into and is subject to the Website Terms of Use. Your use of the Website and any personal information you provide via the Website or through other official Debt-Agency.us contact remains subject to this Privacy Policy, as well as the Terms of Use and/or other stated policies.

1. Collection of Information.

1.1 Survey Information.

Debt-Agency.us collects information from individuals by various methods, including, but not limited to, when an individual voluntarily completes an Debt-Agency.us survey, order form, or a registration page either online or offline, or by means of online or offline surveys, order forms, or registration pages operated by third parties (collectively, a "Survey"). (As used herein, "online" means using the Internet, including the Website, and related technologies, and "offline" means by methods other than online, including in person, in the postal mail, using telephones and cell phones, and other similar means.) In the Surveys, Debt-Agency.us or a third party (a "Third Party") may ask an individual to provide various information to Debt-Agency.us, which may include his or her name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), SMS messaging details (e.g. date, time and content of the SMS message), birth date, gender, salary range, education and marital status, occupation, social security number, employment information, personal and online interests, and such other information as may be requested from time to time (together, "Survey Information"). Debt-Agency.us may also collect information concerning an individual from another source and use that information in combination with information provided from this Web Site. Completing the Surveys is completely voluntary, and individuals are under no obligation to provide Survey Information to Debt-Agency.us or Third Party, but an individual may receive incentives from Debt-Agency.us or a Third Party in exchange for providing Survey Information to Debt-Agency.us.

1.2 Third Party List Information.

Debt-Agency.us collects information from individuals when an individual provides information to a Third Party and Debt-Agency.us subsequently purchases, licenses, or otherwise acquires the information from the Third Party (the "Seller"). Such purchased information may include, but is not limited to, an individual's name, email address, street address, zip code, telephone numbers (including cell phone numbers and carriers), SMS messaging details (e.g. date, time and content of the SMS message), birth date, gender, salary range, education and marital status, occupation, industry of employment, personal and online interests, and such other information as the individual may have provided to the Seller (together, "Third Party List Information"). When acquiring Third Party List Information, Debt-Agency.us seeks assurances from the Seller that the Seller has a right to transfer the Third Party List Information to Debt-Agency.us and that the Seller has a right to provide offers from advertisers to the individuals whose personal information is included on the Seller's list.

1.3 Other Information.

Other occasions when Debt-Agency.us obtains information from individuals include (1) when an individual is making a claim for a prize or seeking to redeem an incentive offered by Debt-Agency.us or by a Third Party, (2) when an individual requests assistance through Debt-Agency.us's customer service department, and (3) when an individual voluntarily subscribes to a Debt-Agency.us service or newsletter (together, "Other Information").

1.4 Cookies, Web Beacons, and Other Info Collected Using Technology.

Debt-Agency.us currently uses cookie and web beacon technology to associate certain Internet-related information about an individual with information about the individual in our database. Additionally, Debt-Agency.us may use other new and evolving sources of information in the future (together, "Technology Information").

(a) Cookies. A cookie is a small amount of data stored on the hard drive of the individual's computer that allows Debt-Agency.us to identify the individual with his or her corresponding data that resides in Debt-Agency.us's database. You may read more about cookies at http://cookiecentral.com. Individuals who use the Website need to accept cookies in order to use all of the features and functionality of the Website.

(b) Web Beacons. A web beacon is programming code that can be used to display an image on a web page (by using an <img src="x"> programming function -- see http://truste.org for more information), but can also be used to transfer an individual's unique user identification (often in the form of a cookie) to a database and associate the individual with previously acquired information about an individual in a database. This allows Savings Are Here to track certain web sites an individual visits online. Web beacons are used to determine products or services an individual may be interested in, and to track online behavioral habits for marketing purposes. For example, Debt-Agency.us might place, with the consent of a Third Party website, a web beacon on the Third Party's website where baseball products are sold. When Joe, an individual listed in Debt-Agency.us's database, visits the fishing website, Debt-Agency.us receives notice by means of the web beacon that Joe visited the baseball site, and Debt-Agency.us would then update Joe's profile with the information that Joe is interested in baseball. Debt-Agency.us may thereafter present offers of baseball related products and services to Joe. In addition to using web beacons on web pages, Debt-Agency.us also uses web beacons in email messages sent to individuals listed in Debt-Agency.us's database.

(c) New Technology. The use of technology on the Internet, including cookies and web beacons, is rapidly evolving, as is Debt-Agency.us's use of new and evolving technology. As a result, Debt-Agency.us strongly encourages individuals to revisit this policy for any updates regarding its use of technology.

1.5 Outside Information.

Debt-Agency.us may receive information about individuals from Third Parties or from other sources of information outside of Debt-Agency.us including information located in public databases ("Outside Information").

1.6 Individual Information.

As used herein, Individual Information means Survey Information, Third Party List Information, Other Information, Technology Information, and Outside Information, and any other information Debt-Agency.us gathers or receives about individuals such as usage data, file transfer and viewing data.

1.7 No Information Collected from Children.

Debt-Agency.us will never knowingly collect any personal information about children under the age of 13. If Debt-Agency.us obtains actual knowledge that it has collected personal information about a child under the age of 13, that information will be immediately deleted from our database. Because it does not collect such information, Debt-Agency.us has no such information to use or to disclose to Third Parties. Debt-Agency.us has designed this policy in order to comply with the Children's Online Privacy Protection Act ("COPPA").

1.8 Credit Card Information.

Debt-Agency.us may in certain cases collect credit card numbers and related information, such as the expiration date of the card ("Credit Card Information") when an individual places an order from Debt-Agency.us. When the Credit Card Information is submitted to Debt-Agency.us, such information is encrypted and is protected with SSL encryption software. Debt-Agency.us will use the Credit Card Information for purposes of processing and completing the purchase transaction, and the Credit Card Information will be disclosed to Third Parties only as necessary to complete the purchase transaction.

Log File Data: When users log-in to access their account, our servers will automatically record and archive certain information that web-browsers send whenever visiting a Website. These server logs may include information vital to validating the user's authorization to access the account. Information, such as a Web request, Internet Protocol (the "IP") address, browser type, browser language, referring pages, exit pages and visited URLs, platform type, click counts, pages viewed and in what order, time spent, the date and time of the request, and other important data is necessary to validate and authorize a user's entry and activity on the Website.

2. Use of Individual Information.

2.1 Discretion to Use Information.

THE COMPANY MAY USE INDIVIDUAL INFORMATION FOR ANY LEGALLY PERMISSIBLE PURPOSE IN COMPANY'S SOLE DISCRETION.

The following paragraphs in Section 2 describe how Debt-Agency.us currently uses Individual Information, but Debt-Agency.us may change or broaden its use at any time. As noted, Debt-Agency.us may update this policy from time to time. Debt-Agency.us may use Individual Information to provide promotional offers to individuals by means of email advertising, telephone marketing, direct mail marketing, online banner advertising, and package stuffers, among other possible uses.

2.2 Email.

Debt-Agency.us uses Individual Information to provide promotional offers by email to individuals. Debt-Agency.us may maintain separate email lists for different purposes. If email recipients wish to end their email subscription from a particular list, they need to follow the instructions at the end of each email message to unsubscribe from the particular list. To unsubscribe from all Debt-Agency.us's email lists, a person must send an email to privacy.blacklist@gmail.com.

2.2(a) Content of Email Messages.

In certain commercial email messages sent by Debt-Agency.us, an advertiser's name will appear in the "From:" line but hitting the "Reply" button will cause a reply email to be sent to Debt-Agency.us. The "Subject:" line of Debt-Agency.us email messages will usually contain a line provided from the advertiser to Debt-Agency.us.

2.2(b) Solicited Email.

Debt-Agency.us only sends email to individuals who have agreed on the Website to receive email from Debt-Agency.us or to individuals who have agreed on Third Party websites to receive email from Third Parties such as Debt-Agency.us. Debt-Agency.us does not send unsolicited email messages. As a result, statutes requiring certain formatting for unsolicited email are not applicable to Debt-Agency.us's email messages.

2.3 Targeted Advertising.

Debt-Agency.us uses Individual Information to target advertising to an individual. When an individual is using the Internet, Debt-Agency.us uses Technology Information (see also Section 2.5 below) to associate an individual with that person's Individual Information, and Debt-Agency.us attempts to show advertising for products and services in which the person has expressed an interest in the Surveys, indicated an interest by means of Technology Information, and otherwise. Debt-Agency.us may, at its discretion, target advertising by using email, direct mail, telephones, cell phones, and other means of communication to provide promotional offers.

2.4 Direct Mail and Telemarketing.

Debt-Agency.us uses Individual Information to advertise, directly or indirectly, to individuals using direct mail marketing or telemarketing using telephones and cell phones.

2.5 Mobile Phone SMS Messaging.

In certain cases, when requested by an individual, a Third Party may use Individual Information to provide customized content and advertising via SMS messaging to an individual's cell phone. Debt-Agency.us is not responsible for the privacy practices or the content of such Third Parties.

2.6 Use of Technology Information.

Debt-Agency.us uses Technology Information (1) to match a person's Survey Information and Third Party List Information to other categories of Individual Information to make and improve profiles of individuals, (2) to track a person's online browsing habits on the Internet, (3) to determine which areas of Debt-Agency.us's web sites are most frequently visited. This information helps Debt-Agency.us to better understand the online habits of individuals so that Debt-Agency.us can target advertising and promotions to them.

2.7 Profiles of Individuals.

Debt-Agency.us uses Individual Information to make a profile of an individual. A profile can be created by combining Survey Information and Third Party List Information with other sources of Individual Information such as information obtained from public databases.

2.8 Storage of Individual Information.

Debt-Agency.us stores the Individual Information in a database on Debt-Agency.us computers. Our computers have security measures (such as a firewall) in place to protect against the loss, misuse, and alteration of the information under Debt-Agency.us's control. Not withstanding such measures, Debt-Agency.us cannot guarantee that its security measures will prevent Debt-Agency.us computers from being illegally accessed, and the Individual Information on them stolen or altered.

3. Dissemination of Individual Information.

3.1 Sale or Transfer to Third Parties.

Debt-Agency.us MAY SELL OR TRANSFER INDIVIDUAL INFORMATION TO THIRD PARTIES FOR ANY LEGALLY PERMISSIBLE PURPOSE IN Debt-Agency.us'S SOLE DISCRETION.

3.2 Order Fulfillment.

Debt-Agency.us will transfer Individual Information to Third Parties when necessary to provide a product or service that a person orders from such Third Party while using Debt-Agency.us web sites or when responding to offers provided by Debt-Agency.us.

3.3 Legal Process.

Debt-Agency.us may disclose Individual Information to respond to subpoenas, court orders, and other legal processes.

3.4 Summary Data.

Debt-Agency.us may sell or transfer non-individualized information, such as summary or aggregated anonymous information about all persons or sub-groups of persons.

3.5 Access.

Individuals have access to their Individual Information collected to provide an opportunity for an individual to correct, amend, or delete such information. Access can be obtained by contacting privacy.blacklist@gmail.com. Debt-Agency.us may also grant advertising clients and email services providers' access to an individual's email address to verify the origin of the Individual Information collected.

4. Privacy Practices of Third Parties.

4.1 Advertiser cookies and web beacons.

Advertising agencies, advertising networks, and other companies (together, "Advertisers") who place advertisements on the Website and on the Internet generally may use their own cookies, web beacons, and other technology to collect information about individuals. Debt-Agency.us does not control Advertisers' use of such technology and Debt-Agency.us has no responsibility for the use of such technology to gather information about individuals.

4.2 Links.

The Website and email messages sometimes contain hypertext links to the web sites of Third Parties. Debt-Agency.us is not responsible for the privacy practices or the content of such other web sites. Linked web sites may contain links to web sites maintained by Third Parties. Such links are provided for your convenience and reference only. Debt-Agency.us does not operate or control in any respect any information, software, products or services available on such Third Party web sites. The inclusion of a link to a web site does not imply any endorsement of the services or the site, its contents, or its sponsoring organization.

4.3 Affiliated Companies.

Debt-Agency.us may disclose, transfer, and sell Individual Information to entities affiliated with Debt-Agency.us in Debt-Agency.us's discretion. Should Debt-Agency.us be subject to an acquisition, merger, sale or other change of control or business entity status, Debt-Agency.us reserves the right to transfer or assign the Information collected from the Website.

5. Individuals Outside of the United States.

Anyone using the Website outside of the United States acknowledges that personal information will be collected and stored by Debt-Agency.us in the United States. By using the Website, you consent to the transfer of information to and/or storage of information outside of your country and in the United States.

6. Information We Share
The Debt-Agency.us Privacy Policy applies to consumers that have signed up on the Debt-Agency.us.com website. By submitting you're information, you are providing your express written consent that we may sell, brand or share the personal information that you supply to us with other 3rd party businesses so they can provide a variety of retail opportunities via e-mail, telemarketing, direct mail, SMS text messaging, pre-recorded messages, or automated attendant telemarketing. These businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing, as well as a variety of other marketing means. For example, if you express interest in a particular product or service, you may be contacted by telephone from Debt-Agency.us, the site owner, or one of its contracted affiliates regarding that particular product or service.

By submitting your information on Debt-Agency.us.com, You are subscribing to receive calls from Debt-Agency.us, the site owner, or other 3rd party businesses. Your consent will be effective if the number you have provided is a home, business, or cell phone line, or if the number is registered on any state or federal Do-Not-Call (DNC) list as of the date of this consent.

All information provided to the Company by the users of this site may be used to support our suppression, validation and enhancement services to other marketing companies, advertising agencies, compilers and data companies.

In the event that you choose to opt-out of receiving information from Debt-Agency.us.com, we may share your information with other marketing partners so that those users opting out of further offers are suppressed from the partner's mailings or promotions, as well as our own.

Debt-Agency.us, the site owner and select 3rd party companies actively participate in affiliate network programs and other co-marketing partnerships to promote our site. We reserve the right to share with 3rd parties the information we collect on this site for any purpose.

7. Unsubscribe Procedures.

7,1 If you wish to discontinue receiving email messages from Debt-Agency.us, you have several options:

Unsubscribe from one email list. To unsubscribe from a particular list, either (1) send an email to privacy.blacklist@gmail.com or (2) follow the instructions in each promotional email message sent by Debt-Agency.us.

Unsubscribe from all of Debt-Agency.us's email lists.

We reserve the right to add Individual Information to multiple lists maintained by Debt-Agency.us. To globally unsubscribe from all of Savings Are Here's lists, send an email to privacy.blacklist@gmail.com.

Unsubscribe from a particular SMS messaging campaign.

To unsubscribe from a particular SMS messaging campaign on a cell phone, send "STOP", "END", or "QUIT" to the SMS message received by the individual. In addition, other methods to unsubscribe may be set forth on the website at which the individual signed up for the SMS messaging campaign.

For more information about protecting your privacy, you may wish to visit: www.ftc.gov. If you have questions about this policy, please contact us at privacy.blacklist@gmail.com.

California User Consumer Rights. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.