Legal
Privacy Policy
How Debt Digital LLC collects, uses, protects, and shares your information.
Last Updated: [INSERT DATE] · Effective Date: [INSERT DATE]
⚠️ Template Notice — Requires Legal Review: This Privacy Policy is a starting template and must be reviewed, customized, and approved by a licensed attorney before publishing. Debt Digital's specific data collection, sharing practices, partner relationships, and applicable state laws (CCPA/CPRA, CPA, VCDPA, CTDPA, UCPA, etc.) will affect what needs to be disclosed, how it must be worded, and what user rights must be honored. Do not rely on this template as legally sufficient.
1. Introduction
Debt Digital LLC ("Debt Digital," "we," "us," or "our") operates the website debtdigital.ai (the "Site") and provides a qualification and matching service that connects consumers with third-party financial solution providers (collectively, the "Services"). This Privacy Policy describes how we collect, use, disclose, and protect personal information when you interact with us.
By using our Site or Services, you consent to the practices described in this Privacy Policy. If you do not agree with this policy, please do not use our Site or Services.
2. Information We Collect
Information You Provide Directly
When you use our Services, you may provide:
- Quiz responses (debt level ranges, credit self-assessment, financial goals)
- Contact information (name, email address, phone number) when you request to be connected to a partner provider
- Communications sent via our contact form or email
- Any additional information you choose to share with us
Information Collected Automatically
- Device and browser information (IP address, browser type, operating system)
- Usage data (pages visited, time spent, referral source, quiz interactions)
- Cookies and similar tracking technologies (see Section 7 below)
Information We Do NOT Collect Through the Quiz
The matching quiz does not require your Social Security number, does not perform credit checks, and does not access your credit report. Credit checks, when needed, are performed only by partner providers after you affirmatively choose to engage with them.
3. How We Use Your Information
We use the information we collect to:
- Provide, operate, and improve the Site and Services
- Match you with appropriate solution providers based on your quiz responses
- Respond to your inquiries and communications
- Send you information you have requested
- Comply with legal obligations
- Detect, prevent, and address fraud or abuse
- [INSERT ANY ADDITIONAL USE CASES SPECIFIC TO DEBT DIGITAL]
4. How We Share Your Information
We share your personal information only in the following circumstances:
- With your consent: When you affirmatively request to be connected to a partner provider, we share relevant information with that provider.
- Service providers: With trusted third parties who help us operate the Site (hosting, analytics, customer support), subject to confidentiality obligations.
- Legal requirements: When required by law, subpoena, or to protect our rights.
- Business transfers: In connection with a merger, acquisition, or sale of assets, subject to appropriate protections.
We do not sell your personal information to third parties for their independent marketing purposes. [CONFIRM OR MODIFY WITH LEGAL COUNSEL BASED ON ACTUAL PRACTICES.]
5. Your Rights and Choices
Depending on your state of residence, you may have certain rights regarding your personal information, including:
- The right to access personal information we hold about you
- The right to request correction or deletion of your personal information
- The right to opt out of the sale or sharing of personal information (where applicable)
- The right to non-discrimination for exercising your privacy rights
- [ADDITIONAL STATE-SPECIFIC RIGHTS — CCPA/CPRA, CPA, VCDPA, CTDPA, UCPA, AS APPLICABLE]
To exercise these rights, contact us at privacy@debtdigital.ai.
6. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.
7. Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, analyze usage, and [INSERT OTHER PURPOSES]. You can control cookies through your browser settings. Disabling cookies may affect functionality of the Site.
[INSERT COOKIE BANNER / CONSENT MECHANISM DETAILS AS REQUIRED BY APPLICABLE LAW]
8. Children's Privacy
Our Services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn that we have collected information from a child under 18, we will delete it promptly.
9. Third-Party Links and Services
Our Site may contain links to third-party websites or services. This Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any third-party services you use.
10. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will post the updated version on this page with a revised "Last Updated" date. Material changes will be communicated as required by applicable law.
11. Contact Us
For questions or concerns about this Privacy Policy or our privacy practices, contact us at:
Debt Digital LLC
Email: privacy@debtdigital.ai
[INSERT MAILING ADDRESS]
Sections your attorney should specifically review and customize:
- State-specific privacy rights (CCPA/CPRA for California, CPA for Colorado, VCDPA for Virginia, CTDPA for Connecticut, UCPA for Utah, and others as new state laws are enacted)
- "Do Not Sell or Share" mechanism disclosures if applicable
- Specific partner providers and data-sharing categories
- Cookie consent mechanisms (especially if serving EU/UK users under GDPR)
- TCPA consent language if SMS/phone outreach is involved
- Data retention periods
- International data transfer disclosures if applicable