1. Privacy Overview
DebtBustersUSA is committed to protecting your privacy and maintaining the confidentiality of your personal and financial information. This policy governs all data collection and usage practices on our website and through our services.
2. Information We Collect
Personal Information
When you use our services, we may collect:
- Name, email address, phone number, and postal address
- Social Security Number (for identity verification and credit reporting)
- Date of birth and employment information
- Financial information including income, debts, and banking details
- Credit reports and credit scores
- Communication preferences and consent records
Technical Information
We automatically collect certain technical data:
- IP address, browser type, and operating system
- Website usage patterns and navigation data
- Device information and screen resolution
- Time stamps and session duration
- Referral sources and exit pages
Communication Records
For quality and training purposes, we may record:
- Phone conversations with customer service
- Chat transcripts and support tickets
- Email correspondence
- Survey responses and feedback
3. How We Use Your Information
We use your information to:
Primary Service Delivery
- Assess your financial situation and eligibility for our services
- Create personalized debt elimination strategies
- Negotiate with creditors on your behalf
- Provide ongoing financial counseling and support
- Monitor your progress and adjust strategies as needed
Communication and Support
- Send service updates, reminders, and notifications
- Respond to your inquiries and provide customer support
- Deliver educational content and financial tips
- Conduct satisfaction surveys and collect feedback
Legal and Operational
- Comply with legal obligations and regulatory requirements
- Prevent fraud and protect against security threats
- Maintain accurate records for audit purposes
- Improve our services and website functionality
4. Information Sharing
We may share your information in the following limited circumstances:
Service Providers
We work with trusted third-party service providers who assist us in:
- Credit monitoring and reporting services
- Payment processing and banking services
- Technology infrastructure and data hosting
- Customer support and communication platforms
- Legal and compliance services
Creditors and Collection Agencies
With your authorization, we share relevant information with your creditors to:
- Negotiate payment terms and settlements
- Request account modifications or hardship programs
- Verify account information and payment history
Legal Requirements
We may disclose information when required by law, including:
- Compliance with subpoenas, court orders, or legal processes
- Cooperation with law enforcement investigations
- Protection of our rights, property, or safety
- Prevention of fraud or illegal activities
5. Data Protection & Security
We implement comprehensive security measures to protect your information:
Technical Safeguards
- 256-bit SSL encryption for all data transmission
- Advanced firewalls and intrusion detection systems
- Regular security audits and vulnerability assessments
- Secure data centers with physical access controls
- Multi-factor authentication for system access
Administrative Controls
- Employee background checks and confidentiality agreements
- Regular security training and awareness programs
- Strict access controls based on job responsibilities
- Incident response procedures and breach protocols
6. Data Retention
We retain your information for as long as necessary to:
- Provide ongoing services and support
- Comply with legal and regulatory requirements
- Resolve disputes and enforce agreements
- Maintain business records for operational purposes
Generally, we retain personal information for:
- Active clients: Duration of service plus 7 years
- Inactive accounts: 7 years from last activity
- Marketing contacts: Until you unsubscribe or request removal
- Website visitors: 2 years for analytical data
7. Your Privacy Rights
You have the following rights regarding your personal information:
Access and Correction
- Request copies of your personal information
- Correct inaccurate or incomplete data
- Update your contact preferences and consent settings
Data Control
- Opt-out of marketing communications
- Request restriction of certain data processing
- Withdraw consent for voluntary data sharing
- Request data portability where technically feasible
Account Management
- Cancel your account and discontinue services
- Request deletion of personal information (subject to legal requirements)
- File complaints with supervisory authorities
8. Cookies & Tracking
Our website uses cookies and similar technologies to:
Essential Cookies
- Maintain your login session and account security
- Remember your preferences and settings
- Enable core website functionality
Analytics Cookies
- Understand website usage patterns
- Improve user experience and site performance
- Measure effectiveness of our content and features
You can manage cookie preferences through your browser settings. However, disabling certain cookies may limit website functionality.
9. Communications
We may contact you through various channels:
Service Communications (Required)
- Account updates and service notifications
- Payment reminders and billing information
- Important policy changes and legal notices
- Customer support responses
Marketing Communications (Optional)
- Educational content and financial tips
- New service offerings and features
- Company news and updates
- Special promotions and offers
You can unsubscribe from marketing communications at any time by clicking the unsubscribe link in emails, texting STOP to SMS messages, or contacting customer service.
10. Third-Party Services
Our website may contain links to third-party websites, applications, or services. This Privacy Policy does not apply to these external sites. We encourage you to review the privacy policies of any third-party services you use.
Integrated Services
We integrate with reputable third-party services for:
- Credit monitoring and reporting
- Payment processing
- Customer support platforms
- Marketing and communication tools
11. Children's Privacy
Our services are not designed for or intended to be used by individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected such information, we will take steps to delete it promptly.
12. Policy Changes
We may update this Privacy Policy periodically to reflect changes in our practices, technology, or legal requirements. When we make material changes, we will:
- Post the updated policy on our website with a new "Last Updated" date
- Notify active clients via email when changes significantly affect their rights
- Provide a 30-day notice period before implementing changes that require new consent
13. Contact Us
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
Privacy Officer
- Email: [email protected]
- Phone: +1 (833) 828-1346
- Mail: 7777 Bonhomme Avenue Clayton Missouri 63105
- Hours: Monday-Friday, 8:00 AM - 8:00 PM EST
For urgent privacy concerns or suspected data breaches, please call our customer service line immediately.