Privacy Policy
Last Updated: May 10, 2025
LoanDebtFix.com ("us", "we", or "our") operates the LoanDebtFix.com website (the "Service").
This page informs you of our policies regarding the collection, use, and disclosure of personal data when you use our Service and the choices you have associated with that data.
We use your data to provide and improve the Service. By accessing or using the Service, you agree to the collection and use of information in accordance with this policy.
1. Information We Collect
We collect information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household ("Personal Information"). Personal Information does not include publicly available information or de-identified or aggregated consumer information.
We collect the following categories of Personal Information:
- Identifiers: Such as a real name, postal address, unique personal identifier, online identifier, Internet Protocol address (IP address), email address, or other similar identifiers.
- Categories of personal information listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)): Such as name, address, telephone number. (This category overlaps with Identifiers but is specifically required by CCPA).
- Internet or other similar network activity: Information on a consumer's interaction with a website, application, or advertisement. (Includes Browse history, search history, data on your interaction with our Service).
- Geolocation Data: Precise or imprecise location information (e.g., city and state from location data provided by businesses).
- Commercial information: Records of services sought or considered. (Includes information about the types of debt help or services a business offers or a user searches for.)
- Professional or employment-related information: (Primarily for businesses listing their services.) Information about a business's sector or type of practice.
- Inferences drawn from other Personal Information: Inferences reflecting a consumer's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
Sources of Personal Information:
We collect Personal Information from the following categories of sources:
- Directly from businesses: When they submit information for a listing via our forms or other communications.
- Indirectly from businesses: Through public sources, if used to supplement listing data.
- Directly from you: When you contact us directly (e.g., via a contact form or email).
- Automatically: As you navigate through the Service (collected via cookies, server logs, and analytics tools).
2. Cookies and Tracking Technologies
We use cookies and similar tracking technologies to track the activity on our Service and hold certain information.
Cookies are files with a small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your device. Tracking technologies also used are beacons, tags, and scripts to collect and track information and to improve and analyze our Service.
By continuing to use our Service after seeing our cookie notification, or by clicking "I Understand" or "Accept" on such a notification, you acknowledge and consent to the use of cookies as described in this Privacy Policy.
We use cookies to enable certain functions of the Service, to provide analytics, to store your preferences, and for security purposes (such as with reCAPTCHA).
You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
For more detailed information about our use of cookies, please refer to this Privacy Policy. We do not currently offer on-site tools for granular cookie management or customization (to accept, reject, or customize specific cookie categories) beyond what is available through your browser settings.
Examples of Cookies We May Use:
- Session Cookies: We use these cookies to operate our Service. They are temporary and expire when you close your browser.
- Preference Cookies: We use these cookies to remember your preferences and various settings.
- Security Cookies: We use these cookies for security purposes.
- Analytics Cookies: We use these cookies to collect information about how you use our Service, like which pages you visit and which links you click on.
3. Use of Personal Information
We may use or disclose the Personal Information we collect for one or more of the following business or commercial purposes:
- To provide, operate, and maintain our Service (the online directory).
- To publish Business Listing Information provided by businesses (as detailed below in Section 4).
- To improve, personalize, and expand our Service (e.g., by understanding usage patterns, which is often done using data collected via cookies and analytics).
- To understand and analyze how you use our Service (using automatically collected data and cookies).
- To respond to your inquiries and provide support.
- To develop new products, services, features, and functionality.
- To communicate with businesses regarding their listings or inquiries.
- To find and prevent fraud and ensure the security of the Service (partially enabled by cookies and automatically collected data).
- For analytics and usage analysis (primarily from automatically collected data and cookies).
- To comply with legal obligations and resolve disputes.
4. Disclosure of Personal Information
We may disclose your Personal Information to third parties for business or commercial purposes.
- Public Disclosure of Business Listing Information:
Crucially, the information provided by businesses for the purpose of creating a listing in the directory is intended to be and will be published publicly on the LoanDebtFix.com website. This includes information such as Business Name, Short Description, Website Link, Location data, Service Area Description, and Service Types. This is the core function of the directory.
- Disclosure for Business Purposes:
We may share your Personal Information with the following categories of third parties for the business purposes outlined in Section 3:
- Service providers who help us operate the website (e.g., hosting providers, analytics services that use cookies, email communication services).
- Government entities or parties involved in legal action when required by law or to protect our rights.
- No Sale of Personal Information:
LoanDebtFix.com does not sell Personal Information as defined under the CCPA and other similar state laws.
5. Google reCAPTCHA
This Service may use the Google reCAPTCHA service to prevent spam and abuse on forms. reCAPTCHA is a Google service that collects information about your interaction with the Service (such as IP address, mouse movements, time spent on the site) to distinguish between humans and bots. This service is enabled by certain cookies and tracking technologies.
By using the areas of our Service protected by reCAPTCHA, you consent to the collection, use, and sharing of your data by Google for this purpose.
Please note that Google's Google Privacy Policy and Google's Terms of Service apply to the data collected by reCAPTCHA.
6. Your Rights Regarding Your Personal Information (US State Privacy Laws)
This section describes the rights of residents of states with comprehensive privacy laws, such as California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Utah (UCPA), and Connecticut (CTDPA), regarding their Personal Information. These rights are not absolute and are subject to certain exceptions.
- Right to Know:
- Right to Delete:
- Right to Correct:
- Right to Opt-Out of Sale/Sharing:
- Right to Limit Use and Disclosure of Sensitive Personal Information:
- Right to Non-Discrimination:
Exercising Your Rights:
To exercise the rights described above, please submit a verifiable consumer request to us by contacting us using the information provided in the "Contact Us" section (Section 15) below.
7. Your Data Protection Rights Under General Data Protection Regulation (GDPR) (for EU/EEA Users)
If you are a resident of the European Economic Area (EEA), you have certain data protection rights.
- The right to access:
- The right to rectification:
- The right to erasure:
- The right to restrict processing:
- The18 right to object to processing:
- The right to data portability:
- The right to withdraw consent:
- Right to complain:
Please note that we may ask you to verify your identity before responding to such requests. To exercise these rights, please contact us using the information provided in the "Contact Us" section (Section 15).
8. Legal Basis for Processing (for EU/EEA Users)
If you are from the European Economic Area (EEA), our legal basis for collecting and using personal information depends on the specific context. It may include: performance of a contract, your consent (as acknowledged through your use of the Service after notification), our legitimate interests, or legal obligations.
9. Retention of Data
We retain Personal Information only as long as necessary for the stated purposes.
10. Transfer of Data
Your information may be transferred to and maintained on computers located outside your jurisdiction, including the United States.
11. Security of Data
We take reasonable measures to protect your data, but absolute security cannot be guaranteed.
12. Links to Other Sites
Our Service contains links to third-party sites. We have no control over their content or privacy practices.
13. Children's Privacy
Our Service does not address anyone under the age of 16.
14. Changes to This Privacy Policy
We may update our Privacy Policy. We will notify you by posting the new policy on this page.
You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.
15. Contact Us
If you have any questions about this Privacy Policy or to exercise your privacy rights, please contact us.
