Last updated: January 1, 2020
Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
This Online Privacy Policy applies to www.debt-gurus.com, owned and operated by 818 Media, Inc. (sometimes referred to as “Company”), and any Company affiliate or subsidiary online interface that links to this Policy, (each, a “Site,” and collectively, the “Sites”). This Policy describes how Debt-Gurus.com collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.
Agreement to this Policy: By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.
Collection and Use of Personal Information We collect the following personal information from you.
• Contact Information such as name, email address, mailing address, phone number
We collect this information when you;
• Sign up for our newsletter or email list
• Contact us with questions or request more information about our products or services
We use this information to
• Send you requested product or service information
• Respond to customer service requests
• Send you a newsletter
• Send you marketing communications
• Respond to your questions and concerns
Information Obtained from Third Parties We purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us, to offer advertising and products in which we think our customers will be interested. We do not disclose this information to any third parties other than agents or service providers working on our behalf. Those agents or service providers are obligated to use this information only for the purpose for which we provided it to them.
Information Sharing We will share your personal information with third parties only in the ways that are described in this privacy statement. We do not sell, rent, trade, or otherwise share your personal information with third parties without first providing you notice and choice.
We may provide your personal information to agents or service providers acting on our behalf for limited purposes. For example, we may share personal information with our agents or service providers to ship your order, or send you email on our behalf. These third parties are authorized to use your personal information only to perform the service they are providing for us.
We reserve the right to disclose your personal information as required by law (e.g., to comply with a subpoena, warrant, court order, or similar legal process served on our website) and when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, and/or respond to a government request. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including meeting national security or law enforcement requirements.
In the event Debt-Gurus.com goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email and/or a prominent notice on our website of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.
Choice/Opt-Out You may opt-out of receiving our newsletter or marketing emails from us by following the unsubscribe instructions included in each newsletter or marketing email or you can contact us at support@debt-gurus.com.
Cookies and Other Tracking Technologies
Cookies
Debt-Gurus.com and our partners use cookies or similar technologies to analyze trends, administer the website, track users’ movements around the website, and to gather demographic information about our user base as a whole. You can control the use of cookies at the individual browser level, but if you choose to disable cookies, it may limit your use of certain features or functions on our website or service.
Log Files
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or page views.
We use this information to analyze trends, to administer the site, to track users’ movements around the site and to gather demographic information about our user base as a whole.
We may record your IP addresses when you place an order through our site in order to detect and prevent fraud.
We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you advertising based upon your browsing activities and interests. If you wish to not have this information used for the purpose of serving you interest-based ads, you may opt-out by clicking here http://preferences-mgr.truste.com/ (or if located in the European Union click here). Please note this does not opt you out of being served ads. You will continue to receive generic ads.
Correcting and Updating Your Personal Information
Upon request we will provide you with information about whether we hold any of your personal information. If you wish to request access, or deletion of your personal information please contact us at support@debt-gurus.com. We will respond to your request within a reasonable timeframe.
Data Retention
We will retain your information for as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Links to Other Websites
Our site includes links to other websites whose privacy practices may differ from those of Debt-Gurus.com. If you submit personal information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Social Media Widgets
Our website includes Social Media Features, such as the Facebook Like button, and Widgets, such as the Share This button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.
Testimonials
We display personal testimonials of satisfied customers on our website in addition to other endorsements. With your consent, we may post your testimonial along with your name. If you wish to update or delete your testimonial, you can contact us at support@debt-gurus.com.
Security
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.
If you have any questions about security on our website, you can contact us at support@debt-gurus.com.
Frames: Some of our pages utilize framing techniques to serve content to/from our partners while preserving the look and feel of our website. Please be aware that you are providing your personal information to these third parties and not to Debt-Gurus.com.
California Do Not Track Disclosures
How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?
We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.debt-gurus.com?
No.
Notice to California Residents
In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.
Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at support@debt-gurus.com. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.
Notice to Users Outside of the United States
This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.
Protecting Children’s Privacy Online
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.
Notification of Privacy Statement Changes. We may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.
Contact Information You can contact us by writing or email us at the address below.
Debt-Gurus.com
900 Mission Avenue
San Rafael, CA 94901
support@debt-gurus.com
Your California Privacy Rights.
A. California Consumer Privacy Rights (CCPA)
California law provides California residents with the following privacy rights:
Right to access personal information: Individuals exercising this right may request access to the categories and specific pieces of their personal information we have collected in the prior 12-month period. Individuals exercising this right may receive their personal information, when provided electronically, in a readily-useable format.
Right to deletion: Individuals exercising this right can ask us to delete their personal information we have collected, though we may be permitted to retain personal information for certain purposes.
Right to disclosure: Individuals exercising this right can receive additional information regarding the sources from which we collect information, the purposes for which we collect and share personal information, the information of theirs we hold, and the categories of parties with whom we share their information.
Right to opt out of sales: As permitted by applicable law, we may share your personal information for monetary or other valuable consideration (under California law, this is considered a “sale”). You may opt out of such a “sale” of your personal information to third parties. You can exercise your right to opt-out buy following instructions in Section 5 (“OPT OUT”).
Right to be free from discrimination: Users may freely exercise these rights without fear of being denied goods or services.
Currently, this law specifically applies to California residents. If you are a resident of California, and would like to exercise one of your rights, please contact us. You may designate an authorized agent to request the exercise of one or more of these rights on your behalf. Please note all consumer requests are subject to verification and there may be circumstances where we do not honor your request, as permitted under the law. We may verify your request by asking for additional information about how you found out about TheSolarInstitute.org, who referred you to TheSolarInstitute.org, to make a request (which Publisher, Querier or Partner referred you to us) and which websites you made the same requests to; and we will need to be able to verify with that Publisher or Partner as to the validity of your request first. If you are using an authorized agent, such requests are subject to the same criteria.
B. California’s “Shine the Light” Law
Additionally, through California’s “Shine the Light” law, California residents who provide personal information in obtaining products or services for personal, family, or household use are entitled to either: (1) a list detailing the categories of information shared and the entities to which such information was provided; or (2) to be notified of a mechanism by which a consumer may opt-out of having their information shared with third parties. We have elected the second option. To opt-out of having your information shared with third parties, please see instructions in Section 5 (“OPT OUT”).
Debt-Gurus.com 900 Mission Avenue CA, 94901
Please print and retain a copy of this privacy policy for your records.