Last updated: April 29th, 2025.
AGREEMENT BETWEEN USER AND YOUR DEBT EXPERTS
These Terms and Conditions of Use (“Agreement”) are a legal agreement between you and Debt.com LLC d/b/a Your Debt Experts (hereinafter referred to as “We”, “US”, “Our”, “Your Debt Experts”), the operator of Your Debt Experts (the “Site”), as well as the Marketing Administrator of Instantdebtadvisor.com (“IDA Site”) (The Site and IDA Site shall be referred to herein as the “Sites”). By using, registering, or otherwise interacting with the Site or the IDA Site in any way whatsoever, including through any service provided through Site or the IDA Site, you agree to be bound by all the terms and conditions (the “Terms”) set forth in this Agreement. You understand that you are not able to modify these terms and that you must accept all terms “AS-IS.” Should you choose not to accept all Terms herein, simply do not register your information, make use of, or interact with this Site.
This Agreement contains a binding arbitration agreement in Section XVI titled Dispute Resolution by Binding Arbitration in this Agreement, which provides that you and Your Debt Experts, and any of Your Debt Experts’s principals, employees, affiliates, members, or officers as well as all independent service and technology providers who provide services through, or on, the Site and/or the IDA Site, agree to resolve all disputes arising out of or relating to your registration, use, and/or interaction with the Site and/or the IDA Site in any way whatsoever through binding individual arbitration and not in any class or mass arbitration setting, and that you and we both give up any right to have any dispute between the parties be decided in a court by a judge or a jury. You have the right to opt out of our agreement to arbitrate. See Section XVI Dispute Resolution by Binding Arbitration section of this Agreement. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THESE TERMS.
The Site is a financial education and referral website that provides financial education materials to consumers about how to properly tackle their finances and debt and connects consumers with independent third-party financial service providers that provide debt relief financial services and help consumers to live healthier financial lives. For information about the IDA Site please visit Instantdebtadvisor.com, and/or review the Instant Debt AdvisorSM Section herein. You understand that when you call the number on our Site and/or on the IDA Site, you may be connected with one of our representatives or you may be directly connected with one of our partners, or a third-party to assist you. Independent third-party financial service providers may charge fees for their services and have their own terms of service. Your Debt Experts is not responsible and does not guarantee any outcomes from these independent third-party financial service providers. Your Debt Experts does not guaranty that Independent third-party financial service providers provide service in your state.
Please be advised that Your Debt Experts’s Privacy Policy is hereby incorporated by reference into this Agreement. The Privacy Policy explains how we collect, protect, share and use your information as a part of our Site, and all of our product and services.
I. MODIFICATION OF THESE TERMS OF USE
YOUR DEBT EXPERTS RESERVES THE RIGHT, WITH OR WITHOUT NOTICE, TO MAKE CHANGES TO THE TERMS AT ITSDISCRETION. YOU SHOULD REVIEW THIS AGREEMENT PERIODICALLY TO DETERMINE IF ANY CHANGES HAVE BEEN MADE. THE MOST CURRENT VERSION OF THESE TERMS, WHICH WILL BE NOTED BY THE “LAST UPDATED” DATE HEREIN, SUPERSEDES ALL PREVIOUS VERSIONS. REGARDLESS OF WHETHER OR NOT YOU REVIEWED THE CHANGES TO THESE TERMS, YOU EXPRESSLY ACKNOWLEDGE THAT YOUR CONTINUED USE OF ANY PART OF THIS SITE and/or on the IDA Site OR ANY FEATURE ON THESITE and/or on the IDA Site CONSTITUTES YOUR ACCEPTANCE TO ALL TERM CHANGES TO THIS AGREEMENT.
II. LINKS TO THIRD PARTY SITES
This Sites may contain links to external websites (“Linked Sites”). The Linked Sites are not under the control or management of Your Debt Experts, and Your Debt Experts is not responsible for the contents of any and all Linked Site, including without limitation any links contained in a Linked Site or any changes or updates to a Linked Site. Your Debt Experts is not responsible for webcasting or any other form of transmission received from any Linked Site. Your Debt Experts is providing these links to you only as a convenience, and the inclusion of any links to Linked Sites does not imply endorsement by Your Debt Experts of the Linked Site or any association with its operators.
III. NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Sites, you warrant to Your Debt Experts that you will not use the Sites for any purpose that is unlawful, prohibited by law and/or regulation, or is prohibited by these Terms. You may not use the Sites in any manner which could damage, disable, overburden, negatively impact or impair the Sites or interfere with any other party’s use and enjoyment of the Sites. You may not obtain or attempt to obtain any materials or information from the Sites through any means not intentionally made available or provided for through Your Debt Experts on this Sites.
IV. YOU ARE RESPONSIBLE FOR YOUR FINANCIAL DECISIONS
Your Debt Experts, through our Sites and affiliates sites, may provide you with a venue through which you can obtain educational financial information as well as learn about various independent third-party service providers, such as financial institutions, credit card providers, debt management or debt settlement companies, credit repair providers, lenders and other financial professionals (“Service Providers”). You understand and acknowledge that Your Debt Experts may be compensated by Service Providers for referrals made through this Sites. Your Debt Experts does not guarantee the accuracy or completeness of any of the information provided on the Sites or with regards to the Service Providers and are not responsible for any loss resulting from your reliance on such information.
You agree that you are to examine the information provided and conduct your own research of whether the Service Providers marketed on this Sites fit your financial situation. We do not endorse or recommend the products or services of any Service Provider, and we are not an agent or advisor to you or any Service Provider. We do not validate or investigate the licensing, certification or other requirements and qualifications of Service Providers. It is your responsibility to investigate Service Providers you are considering engaging with. You acknowledge and agree that Service Providers are solely responsible for any services that they may provide you, and that Your Debt Experts is not liable for any losses, costs, damages or claims in connection with, arising from, or related to, your use of any Service Provider’s products or services. We urge you to obtain the advice of qualified professionals (such as tax advisor, accountant, lawyer, etc.) who are fully aware of your individual circumstances before you make any financial decisions. By interacting with any Service Providers, you acknowledge and agree that you solely rely on your own judgment and that of such advisors in selecting any products or services offered by Service Providers.
V. NO GUARANTEE OF QUOTES, FEES, TERMS, RATES, COVERAGE OR SERVICES
We do not make any warranties or representations regarding the quotes, fees, terms, rates, coverage or services offered or made available by Service Providers to whom you may be referred to from our Sites. We do not guarantee that quotes, fees, terms, rates, coverage or services offered by Service Providers are the best available in the marketplace. You may be able to find better fitting offers elsewhere.
VI. USE OF COMMUNICATION SERVICES
The Sites may contain bulletin board services, chat areas, news groups, forums, communities, personal web pages, calendars, and/or other message or communication facilities designed to enable you to communicate with the public at large or with a group (collectively, “Communication Services”). You agree to use the Communication Services only to post, send, and receive messages and material that are related to the contents of this Sites, the education materials in this Sites, or the services promoted or marketed by this Sites. By way of example, and not as a limitation, you agree that when using a Communication Service, you will not under any circumstances:
Your Debt Experts has no obligation to monitor the Communication Services. However, Your Debt Experts reserves the right to review materials posted to a Communication Service and to remove any materials in its sole discretion. Your Debt Experts reserves the right to terminate your access to any or all the Communication Services at any time without notice for any reason whatsoever. Your Debt Experts reserves the right at all times to disclose any information as necessary to satisfy any applicable law, regulation, legal process or governmental request, or refuse to post or to remove any information or materials, in whole or in part, is Your Debt Experts sole discretion.
You are advised to always use caution when giving out any personally identifying information (“PII”) about yourself, your spouse, your children, or your household generally in any Communication Service even if offered on this Sites. Your Debt Experts does not control or endorse the content, messages or information found in any Communication Service and, therefore, Your Debt Experts specifically disclaims all warranties and liability associated with, or in regards to, the Communication Services, including but not limited to any actions resulting from your participation in any Communication Service. Managers and hosts are not authorized Your Debt Experts spokespersons, and their views do not necessarily reflect those of Your Debt Experts. Materials uploaded to a Communication Service may be subject to size posting limitations, limitations on usage, reproduction and/or dissemination. You are responsible for adhering to such limitations if you download the materials.
VII. MATERIALS PROVIDED TO YOUR DEBT EXPERTS OR POSTED AT ANY YOUR DEBT EXPERTS SITE
Your Debt Experts does not claim ownership of the materials you provide to Your Debt Experts (including feedback and suggestions) or post, upload, input or submit to any Your Debt Experts Sites or its associated services (collectively “Submissions”). However, by posting, uploading, inputting, submitting, or providing your Submission you are granting Your Debt Experts, its affiliated companies and necessary affiliate of Your Debt Experts a non-exclusive, royalty free, perpetual license to use your Submission and/or its contents in connection with the operation of the Sites or business including, without limitation, the rights to: copy, distribute, transmit, publicly display, publicly perform, reproduce, edit, translate and reformat your Submission; and to publish your name in connection with your Submission.
No compensation will be paid with respect to the use of your Submission, as provided herein. Your Debt Experts is under no obligation to post or use any Submission you may provide and may remove any Submission at any time at Your Debt Experts sole discretion.
By posting, uploading, inputting, providing or submitting your Submission you warrant and represent that you own or otherwise control all of the rights to your Submission as described in this section including, without limitation, all the rights necessary for you to provide, post, upload, input or submit the Submissions.
VIII. ELECTRONIC COMMUNICATIONS USE
All website interactions and phone calls are recorded for marketing, compliance and quality assurance purposes.
Your Debt Experts takes the Telephone Consumer Protection Act (“TCPA”) compliance with outmost seriousness. Therefore, any TCPA procedures are pursuant to a strict TCPA compliance policy of Company. This provision outlines our general consent requirements and acknowledgements which you will be subject to in the event you submit a TCPA consent form or contact form seeking a communication from us. By providing us with your name, email, phone number on the submission form containing the TCPA disclosure, and signing using your E-Sign signature, you expressly authorize Your Debt Experts, All Clear Decisioning’s Instant Debt AdvisorSM, and our third party partners in the link herein, to contact you (including using autodialers, automated text and artificial or pre-recorded messages) via your telephone, cellphone, mobile device (including via Short Message Service (“SMS”) or wireless internet (“WAP Service”)) and bot chats or via email, even if your telephone number is currently listed on any state or federal Do Not Call list. In the event that you have previously requested to be on the Company’s Do Not Call List, you understand that even if you submit a request to be called again, the Company policy is not to contact anyone who requested to be on the Company’s Do Not Call List. You understand that standard phone and data charges may apply. Your TCPA consent is not required, and you are not required to complete a TCPA Consent form as a condition of receiving our services. You also consent to the recording and monitoring of all calls to and from us. You represent you are the owner or authorized user of the mobile device, and the phone number associated with that mobile device to which we will be making phone calls and on which messages will be received, and that you are authorized to approve all applicable charges associated with the receipt of message from us. You may opt out of receiving calls and/or messages to your telephone or mobile device at any time by any and all reasonable methods, including responding to a text message with any of the following words “stop,” “quit,” “end,” “revoke,” “opt out,” “cancel,” or “unsubscribe,” or notifying us at [email protected], or via our interactive or automated voice or key press revocation method if on the call with us, and you may opt out of receiving emails by clicking the “Opt-out” link on the bottom of the email. You acknowledge and agree that only United States residents may use the SMS or WAP Service to communicate with us.
SMS or WAP Services are provided via wireless systems which use radio frequencies (and other means) to transmit communications over complex networks. Your Debt Experts does not guarantee that your use of the SMS or WAP Services will be private or secure, and Your Debt Experts will not be liable to you under any circumstance for any lack of privacy or security breach caused to you or that you may experience while sending or receiving SMS or WAP Services using your mobile device. You are fully responsible for taking all precautions and ensuring security measures are taken by you when using the SMS or WAP Service. You acknowledge and agree Your Debt Experts may obtain from your carrier’s wireless account information regarding the device you are using with your carrier for the purpose of identifying and resolving technical problems and enhancing your service experience with our Sites. Please review our Privacy Policy for additional information governing privacy of your personal information.
The Sites includes Instant Debt AdvisorSM (“Debt Advisor”) a SaaS application developed by All Clear Decisioning, LLC (“All Clear”), a fintech SaaS platforms and tools development company. Your Debt Experts administers the IDA Site and licenses the Debt Advisor from All Clear. The Debt Advisor asks you simple questions and obtains from you certain personal identifiable information, including but not limited to: your full legal name, address, phone number, social security number, approval to do a soft pull to your credit, current finances, and other relevant information regarding your debt and financial situation. Debt Advisor uses the services of a third-party, Array, to pull credit pursuant to your direct request and authorization as part of the application. Then, with the information you provided while using proprietary automated decision making technology, the Debt Advisor analyzes your finances and you overall financial situation, analyzes potential programs or products that are likely to be beneficial for you from vetted service providers, and provides you with choices of products or solutions to allow you to take control of your finances and improve your financial situation.
You understand and agrees that All Clear, as the developer of the Debt Advisor platform, may have access to the information you enter or provide the Debt Advisor. In addition to Your Debt Experts privacy policy, the information shall be also subject to All Clear’s privacy policy. For more information regarding All Clear’s Privacy Policy, please visit All Clear Privacy Policy.
The Debt Advisor automated decision making is heavily dependent on your responses to questions and accuracy of the information imputed into the Debt Advisor. You understand and agree that you, and only you, are responsible to for the information inserted and answers given to the Debt Advisor inquiries. Failure to respond accurately or completely to the inquiries of the Debt Advisor will impact your results.
You understand and acknowledge that as part of your Debt Advisor experience, the Debt Advisor may send you SMS communications regarding your Debt Advisor process as well as your process with the service provider. The SMS communications will provide you with the servicer’s name and phone number so you can finalize your enrollment with the service provider. You understand and agree that this automated one time SMS is done by Debt Advisor’s automated system using a toll free number owned by the Debt Advisor system, and licensed out to Your Debt Experts, pursuant to the express written consent provided by you during your use of the Debt Advisor system.
You also acknowledge that the information you share with the Debt Advisor will be shared with the service provider whom you will be matched with by the Debt Advisor. You acknowledge that you have consented to the sharing of information during the Debt Advisor application process, including the sharing of your soft credit pull that is done through a third-party service provider which has been integrated in Debt Advisor.
You agree that the information you will provide in the Debt Advisor belongs to you, or you are an authorized person who has authority to provide the information on another’s behalf. You agree that you will use the Debt Advisor for personal use only, and under no circumstance use it for commercial, financial, or any other activity in which you may gain a financial benefit from. You are prohibited from providing another person’s information without the authority of that person, and in the event, it has been determined that you have violated this prohibition, you understand that Your Debt Experts and/or All Clear may report your actions to the authorities.
You also understand and agree that should you purposefully provide false or inaccurate information, or personal information which does not belong to you, you will be required to indemnify and hold harmless Your Debt Experts, All Clear, and any third-party provider from all damages, claims, demands, or suits arising out of, or relating to your false or inaccurate information, or unauthorized impersonation of another consumer, including but not limited to any and all attorney fees (including inhouse counsel fee) and costs spent as a result of your conduct.
Moreover, you understand and agree that neither Your Debt Experts nor All Clear are your service providers or will be responsible to provide you with services. You are asked to, and you should, conduct an independent review of each of the options provided by the Debt Advisor, and independently examine the best service provider which fits your situation. You understand that Your Debt Experts and/or All Clear are unable to influence the results of any product or service you may choose, and that you may choose to first consult with a professional advisor before signing up or making use of any service provider or product you are recommended by the automated Debt Advisor. Under no circumstance shall Your Debt Experts and/or All Clear be liable to you for issues rendered by a service provider, and you understand that the Debt Advisor is merely a referral tool based on information provided by you and processed on your behalf.
The Debt Advisor SaaS platform is provided AS-IS with all faults, errors to code, design issues, software issues, or other issues that may be impacted by your browser or our Sites. Neither Your Debt Experts nor All Clear will be liable for any latency issues, error in results, issues in submission or otherwise arising our of or relating to your use of the Debt Advisor.
In the event that you choose to use the Debt Advisor on Your Debt Experts Sites in connection with an application or request by you, depending on where you reside, you may request that we disclose to you the following: (i) an explanation of the decision making process; and/or (ii) how you may obtain a different result. For more information regarding this disclosure requirement please see Your Debt Experts Privacy Policy.
IX. LIMITATION OF LIABILITY AND WARRANTY DISCLAIMER
THE INFORMATION, SOFTWARE, PRODUCTS, AND SERVICES INCLUDED IN OR AVAILABLE THROUGH THE SITES MAY INCLUDE INACCURACIES, OLD INFORMATION, OR TYPOGRAPHICAL ERRORS, AND IN NO WAY SHOULD BE INTERPERTED AS ERROR FREE. YOUR DEBT EXPERTS MAKES PERIODICAL CHANGES TO THE INFORMATION AND MATERIALS PROVIDED ON THE SITES, AND MAY UPDATE OR CORRECT ANY INACCURACIES, OLD INFORMATION, OR OTHER TYPOGRAPHICAL ERRORS ON THE WEBSITE. IN ADDITION, YOUR DEBT EXPERTS AND/OR ITS SITES ADMINISTRATOR MAY MAKE IMPROVEMENTS AND/OR CHANGES TO SITES AT ANY TIME.
YOUR DEBT EXPERTS AND/OR ITS SITES ADMINISTRATOR MAKE NO REPRESENTATIONS ABOUT AND DISCLAIM ANY AND ALL WARRANTIES, WHETHER EXPRESS OR IMPLIED WITH RESPECT TO THE SUITABILITY, RELIABILITY, AVAILABILITY, TIMELINESS, AND ACCURACY OF THE INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS CONTAINED ON OR AVAILABLE THROUGH THE SITES FOR ANY PURPOSE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALL SUCH INFORMATION, SOFTWARE (WHETHER ITS OWN OR LICENSED FROM THIRD PARTIES), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS ARE PROVIDED “AS IS” WITHOUT WARRANTY OR CONDITION OF ANY KIND, INCLUDING ALL IMPLIED WARRANTIES OR CONDITIONS OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT.
FURTHERMORE, ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR OTHER COMMENTS ON THE SITES MAY BE THAT OF THE WRITER AND ARE NOT ASSUMED OR ADOPTED BY YOUR DEBT EXPERTS, AND SHOULD NOT NECESSARILY BE RELIED UPON BY YOU. YOU UNDERSTAND AND AGREE THAT ALL OPINIONS, GENERAL ADVICE, STATEMENTS OR COMMENTS ARE NOT TO BE CONSTRUED AS PROFESSIONAL ADVICE FROM YOUR DEBT EXPERTS, ITS EMPLOYEES, OR ITS YOUR DEBT EXPERTS AND SHOULD NOT BE RELIED UPON FOR PERSONAL, MEDICAL, LEGAL, OR FINANCIAL DECISIONS. YOU SHOULD MAKE YOUR OWN INDEPENDENT RESEARCH AND ANALYSIS REGARDING THE OPINIONS, STATEMENTS, INFORMATION, AND GENERAL ADVICE RECEIVED VIA THE SITES, AND YOU SHOULD CONSULT AN APPROPRIATE PROFESSIONAL FOR SPECIFIC ADVICE TAILORED TO YOUR SITUATION.
YOUR DEBT EXPERTS MAY PROVIDE YOU WITH VARIOUS TOOLS AND SOFTWARE THROUGHOUT THE SITES TO ASSIST YOU IN VARIOUS TASKS OR ALLOW YOU TO SUBMIT AND EXAMINE YOUR ELIGIBILITY FOR VARIOUS SERVICES PROVIDED BY THIRD PARTY PROVIDERS. SOME TOOLS AND SOFTWARE MAY REQUIRE YOU TO PROVIDE CERTAIN PERSONAL INFORMATION AND/OR WILL BE DEPENDENT ON INFORMATION INPUTED BY YOU IN ORDER TO PROVIDE YOU WITH ACCURATE RESULTS BASED ON AUTOMATED DECISIONS. YOU UNDERSTAND AND AGREE THAT NEITHER YOUR DEBT EXPERTS NOR ITS TECHNOLOGY PARTNER ALL CLEAR DECISIONSING, LLC (WHICH PROVIDES PART OF AUTOMATED DECISIONING SOFTWARE ON THE SITES), ARE RESPONSIBLE OR LIABLE FOR THE AUTOMATED DECISIONING SYSTEM’S RESULTS WHICH WILL DEPEND ON YOUR INFORMATION INPUT, AND ANY INACCURACY (WHETHER ON PURPOSE OR NOT) MAY EFFECT THE ACCURACY OF THE RESULTS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL YOUR DEBT EXPERTS AND/OR ITS YOUR DEBT EXPERTS, OFFICERS, EMPLOYEES, MEMBERS, OR REPRESENTATIVES BE LIABLE FOR ANY DIRECT, INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF USE, DATA OR PROFITS, ARISING OUT OF OR IN ANY WAY CONNECTED WITH: THE USE OR PERFORMANCE OF THE YOUR DEBT EXPERTS SITES; WITH THE DELAY OR INABILITY TO USE THE YOUR DEBT EXPERTS SITES OR RELATED OR OFFERED SERVICES; THE PROVISION OF OR FAILURE TO PROVIDE SERVICES BY YOUR DEBT EXPERTS OR ANY THIRD-PARTY WHICH MAY MARKET ITS SERVICES ON YOUR DEBT EXPERTS; OR ARISING OUT OF OR RELATING TO ANY INFORMATION, SOFTWARE (WHETHER OWNED BY YOUR DEBT EXPERTS OR LICENSED TO YOUR DEBT EXPERTS BY A THIRD PARTY), DEBT ADVISOR PRODUCT, PRODUCTS, SERVICES AND RELATED GRAPHICS OBTAINED THROUGH THE YOUR DEBT EXPERTS SITES; OR OTHERWISE ARISING OUT OF OR RELATING TO THE USE OF THE YOUR DEBT EXPERTS SITES, WHETHER BASED ON CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY OR OTHERWISE, EVEN IF YOUR DEBT EXPERTS OR ANY OF ITS SUPPLIERS, PARTNERS, THIRD PARTY VENDORS, OR TECHNOLOGY PROVIDERS, HAVE BEEN ADVISED OF THE POSSIBILITY OF A CLAIM, DISPUTE, DAMAGES. BECAUSE SOME STATES/JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR CONSEQUENTIAL OR INCIDENTAL DAMAGES, THE ABOVE LIMITATION MAY NOT APPLY TO YOU IF YOU LIVE IN A STATE/JURISDICTION THAT EXPRESSLY PROHIBITS THE USE OF LIMITATION OF LIABILITY. IF YOU ARE DISSATISFIED WITH ANY PORTION OF THE YOUR DEBT EXPERTS SITES, OR WITH ANY OF THESE TERMS OF USE, YOUR SOLE AND EXCLUSIVE REMEDY IS TO DISCONTINUE USING THE YOUR DEBT EXPERTS SITES.
X. TERMINATION/ACCESS RESTRICTION
Your Debt Experts may establish areas on the Sites which may require obtaining access credentials. Should you obtain such access to restricted areas on the Sites, Your Debt Experts reserves the right, in its sole discretion, to terminate your access to the Your Debt Experts Sites and the related services or any portion thereof at any time, without notice.
In the event that you misuse our Sites, the tools and software on our Sites, or otherwise breach the terms of these Terms and Conditions or the Privacy Policy, you understand that Your Debt Experts reserves the right, in its sole discretion, terminate your access and/or use of the Sites, or any tool or software on the Sites.
XI. SITE NOT INTENDED FOR USE BY MINORS UNDER THE AGE OF 18
The Sites is not designed or directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Sites. Information of minors that is considered PII under the Children Online Privacy Protection Act (COPPA) includes: (i) First and last name; (ii) Physical address that includes street and town or city name; (iii) E-mail address; (iv) Online identifier that permits an individual to be contacted directly (e.g. an IM name, video or audio chat username, or other form of screen name); (v) Telephone number; (vi) Social security number; (vii) Image, video or audio containing an individual’s image or voice; (viii) Information sufficient to identify the home or other physical address of an individual; (ix) A cookie number, IP address, unique device number or other persistent identifier that can be used to track and recognize an individual over time and across different websites or apps; and/or (x) Hobbies, interests, information collected through the use of cookies, and any other information collected from a child that is either about that child or the parents/guardians of that child that, when combined with any of the above, can be used to identify the child.
Your Debt Experts does not knowingly or willfully collect PII from minors under 18 years of age without parental consent. If you believe your minor child provided his information on our Sites in disregard of these Terms and Conditions, we request that you notify us in writing by contacting us via email at [email protected], and inform us immediately so we can take all reasonable measures to remove and delete any PII provided by your child through our Sites or the tools provided on our Sites. For more information regarding this policy please visit our Privacy Policy.
XII. COPYRIGHT AND TRADEMARK NOTICES:
Your Debt Experts, and the Your Debt Experts logo are registered trademarks, trade names or service marks of Your Debt Experts or its related companies. All other trademarks and service marks presented on the Sites are the property of their respective owners, and Your Debt Experts has obtained permission to use them in association with the educational information and referral services provided. You are not permitted to use any trademark or service mark displayed on this Sites without the prior written consent of Your Debt Experts or the owner of such trademark or service mark. You acknowledge and understand that you have no rights to any trademarks, service marks, copyrights. Your Debt Experts reserves all rights to its Intellectual Property on the Sites.
XIII. COPYRIGHT INFRINGEMENT POLICY:
In accordance with the requirements set forth in the Digital Millennium Copyright Act, Title 17 United States Code Section 512(c)(2)(“DMCA”), Your Debt Experts will investigate notices of copyright infringement and take appropriate remedial action. If you believe that any Content on the Sites has been used or copied in a manner that infringes your work, please provide a written notification of claimed copyright infringement to the Designated Agent for the Sites containing the following elements as set forth in the DMCA:
Your Debt Experts designated agent for the written notification of claims of copyright infringement can be contacted at the following address:
Designated Agent – Copyright Infringement Claims
Your Debt Experts
8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]
XIV. YOUR INDEMNIFICATION REQUIREMENTS
You agree to defend, indemnify and hold Your Debt Experts and its officers, directors, shareholders, employees, independent contractors, agents, representatives, technology partners (All Clear), and affiliates harmless from any and against all claims and expenses, including, but not limited to, attorneys’ fees, arising out of, or related to: (i) any breach or violation of this Agreement by you; (ii) your failure to provide accurate, complete, and current personally identifiable information (“PII”) in response to any request form on our Sites, through a tool or software on our Sites, or specifically on the Debt Advisor on our Sites; (iii) your access or use of Services through our Sites; (iv) access to our Sites or use of our Services under any password that may be issued to you; (v) your transmissions, submissions or postings (i.e., your own User Generated Content); (vi) the Services you receive from any of the Service Providers to which you were referred by us; and/or (vii) any personal injury or property damage caused by you.
XV. GENERAL / MISCELLANEOUS TERMS
XVI. Dispute Resolution by Binding Arbitration – IMPORTANT NOTICE WAIVING YOUR RIGHT TO BRING A CLAIM BEFORE A JUDGE OR JURY IN COURT.
In the event of any controversy between you and Your Debt Experts and/or All Clear, including but not limited to any demand, claim, suit cross claim, counterclaim, or third-party complaint or dispute, whether contractual, statutory, in tort or otherwise (including but not limited to our technology providers, designated servicers, and any fulfillment provider working on your behalf) arising out of, or in any way relating, to our relationship, including but not limited to this Agreement, our Privacy Policy, Sites Disclaimers, use of the Your Debt Experts Sites, the information on Your Debt Experts Sites, any referral services provided by Your Debt Experts, any Your Debt Experts TCPA consent form, or alleged TCPA violation by Your Debt Experts, or the breach, termination, enforcement, interpretation, or validity of the Agreement or its performance, including any determination of the scope, enforcement or applicability of this provision to arbitrate, shall be resolved by binding arbitration in the nearest metropolitan area to the county in which you reside, or at such other location upon which the parties may agree upon. This agreement to arbitrate shall be governed exclusively by the Federal Arbitration Act (“FAA”), 9 U.S.C. §1 et sec., which shall govern the interpretation and enforcement of our mutual agreement to arbitrate, and not by any state rule or statute governing arbitration and without regards to any state arbitration law. This agreement to arbitrate shall survive termination of the Agreement. The Parties agree to the following Arbitration Terms:
Notwithstanding any provision in the Agreement to the contrary, you and we agree that if we make a change to this agreement to arbitrate in the future, that change shall not apply to a claim that was filed in a legal proceeding between you and us prior to the effective date of the change.
XVII. Contact Us
Should you have questions regarding these terms or need additional information regarding our services, you may reach us via mail or email at:
Your Debt Experts
8220 W. State Road 84,
Fort Lauderdale, FL 33324
Email: [email protected]
Last update Effective as of: January 30, 2025.
Debt.com, LLC d/b/a Your Debt Experts (“Your Debt Experts”) is the operator of this web site. This Privacy Policy (hereinafter sometimes referred to as the “Notice” or “Privacy Policy” or “Privacy Notice”) applies to this Your Debt Experts online interface (i.e., website or mobile application (“App(s)”)) (the “Site”). The term “Your Debt Experts” or “we” or “us” or “our” in this Notice refers to Your Debt Experts, and any of Your Debt Experts affiliates or subsidiaries that may adopt this Notice or certain applicable portions of this Notice. This Notice describes how this Site, or any Your Debt Experts landing pages linked to this Site (Your Debt Experts landing pages and this Site shall collectively refer to as “Sites”), may collect, use, store, and share information from or about you, and explains how information collected from or about you may be, used for advertising purposes or shared with third parties. Your Debt Experts may provide other online interfaces not covered by this Notice, which shall be subject to their own privacy notices. If you visit or access your services from one of these sites, please review the online privacy practices of that site to understand how your online information may be collected, used and shared.
Agreement to this Policy: This Privacy Policy is incorporated by reference into Your Debt Experts Terms and Conditions, including the obligation to arbitrate your claims under this Privacy Policy pursuant to your agreement to arbitrate in Section XVI titled DISPUTE RESOLUTION BY BINDING ARBITRATION. See Section XVI Dispute Resolution by Binding Arbitration section of this Agreement. By using, interacting with, entering information, or viewing information on this Site, you expressly acknowledge and consent to this Privacy Policy in it’s entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that Your Debt Experts will rely on your use and interaction with this Site as your express consent to the terms of this Privacy Notice. YOU AGREE THAT YOU HAVE READ, UNDERSTAND AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY.
Outline
I. INFORMATION WE MAY COLLECT
Your Debt Experts may collect certain information, including Personally Identifiable Information (“PII”), in accordance with the law and to provide you with exemplary services.
In particular, Your Debt Experts may collect the following categories of PII:
Notice Regarding Sensitive Personal Information
“Sensitive Personal Information” means any information that could be used to identify you individually and that relates to your finances or financial accounts with us. This includes, but is not limited to:
Purposes of Collection:
We collect Sensitive Information for the following purposes:
Third Parties with Whom Personal Identifiable Information or Sensitive Personal Information May Be Shared.
We may share your PII and/or Sensitive Information with the following types of third parties:
Consent and Opt-Out Options:
We may share your PII and/or Sensitive Personal Information for marketing purposes with our affiliates and third-party partners. You have the right to opt out of this sharing at any time. To opt out, please visit our visit our Data Rights Request page.
We may share your PII and/or Sensitive Personal Information with third party service providers and financial institutions as necessary to provide you with financial services and products. You may not opt out of this sharing, as it is essential for us to fulfill our contractual obligations to you.
Other Information We Collect Online
Other Information is any information, other than Personal information, PII, or Sensitive Personal Information, which does not reveal your specific identity, such as browser information, information collected through cookies, pixel tags, web beacons and other technologies, demographic information, and aggregated and de-identified data. Other Information may also include geographic information, referral information and URL information. Although such information may not by itself reveal your specific identity, it could be used by third parties that have independent relationships with you to identify you, your web activities and your interests.
We may also install cookies, web beacons or other technologies, including technologies that identify the dialing, routing, addressing and signaling information generated by Sites users, that provide access to third parties to your information, including but not limited to your IP address and browsing activity on pages of our Sites where these devices are placed. Cookies may be active for a period of anywhere from 30 to 90 days, however, you may remove cookies using your browser settings. You understand that we do not control any information gathered by such devices or its use by such third parties. These third parties are required to handle your personal information in accordance with their own privacy policies and applicable data protection laws and regulations.
You agree that any such PII, Sensitive Personal Information, or Other Information collected through cookies, pixel tags, web beacons and other technologies, including any technologies that identify the dialing, routing, addressing and signaling information generated by website users may be used and shared by Your Debt Experts as provided in this Notice.
In general, we may use or use these different types of cookies:
You can learn more about cookies at: http://www.allaboutcookies.org/manage-cookies/index.html↗.
Cookie Choices.
There are several ways to manage cookies:
Advertising Choices
We may use third-party advertising companies to serve advertisements on our Site. To serve such advertisements, these companies place or recognize a unique cookie on your browser (including through use of pixel tags). They also use these technologies, along with information they collect about your online use, to recognize you across the devices you use, such as a mobile phone and a laptop. If you would like more information about this practice, and to learn about your choices in connection with it, please visit:
II. HOW WE COLLECT YOUR INFORMATION
We may collect PII and/or Sensitive Personal Information from you in the following ways:
III. HOW DO WE USE YOUR PERSONAL INFORMATION
We may use your PII and/or Sensitive Personal Information for the following purposes:
IV. HOW YOUR INFORMATION MAY BE SHARED
We may share your PII and/or Sensitive Personal Information for commercial, marketing, and business purposes, all in compliance with this Privacy Policy.
Information Disclosed for Business Purposes. In the previous 12 months, we have disclosed the information that may includes the following categories of personal information for business purposes:
Categories of Third Parties Who Receive Information for Business Purposes:
Information Sold or Shared for Non-Business Purposes. In the previous 12 months, the following categories of Personal Information, PII, or Sensitive Personal Information were sold or disclosed to third parties for non-essential business purposes.
Categories of Third Parties to Whom Personal Information, PII, or Sensitive Personal Information Has Been Sold:
Sale of Personal Information and Targeted Marketing
Your Debt Experts may engage in the “Sharing” or “Sale” of your personal information. Your Debt Experts may also engage in “targeted advertising” in its use of your personal information. We do not knowingly collect, “sell” or “share” the personal information of individuals under the age of 18. If you are below the age of 18, you are prohibited from making use of our Sites and providing personal information on our Sites. See also COPPA Disclosure in Section VIII below.
V. YOUR DATA RIGHTS
Depending on where you reside, you may have certain rights regarding the personal information we collect and share. Residents of applicable states, including California, Virginia, Colorado, Connecticut, Iowa, Indiana, Tennessee, Texas, Montana, Minnesota, Oregon, Delaware, New Hampshire, New Jersey, Kentucky, Nebraska, and Rhode Island, may be provided the right to make the following request, depending on applicable law.
a) Request to Know. You may request to know whether we process your Personal information and to access such Personal information. You may request to receive the specific pieces or a copy of your Personal information, including, where applicable, a copy of the Personal information you provided to us in a portable format. Depending on where you reside, you may request that we disclose to you the following information:
b) Request to Delete. You may request that we delete your Personal information.
c) Request to Appeal. If we refuse to act on your request, you may appeal our refusal within a reasonable period after you have received notice of the refusal.
d) Request to Correct. You may request that we correct inaccuracies in your Personal information.
e) Request to Opt-Out of Sale, Targeted Advertising, Limit Disclosure of Sensitive Information and/or Sharing. You may request to opt-out of the “sale” of your Personal information and/or targeted advertising, including the “sharing” of your Personal information for cross-context behavioral advertising purposes. You may also limit the Disclosure and Sharing of your Sensitive Information.
Submitting a Data Request
To submit a data rights request in accordance with the above, please visit our Data Rights Request page.
Automated Decision-Making Tools
Sensitive Personal Information
We may collect and disclose certain information that may be considered ‘sensitive information’ under the applicable data privacy laws. We may disclose this information to affiliates, and non-affiliated third parties for various purposes, including marking or to provide you with services that you have. Depending on where you reside you may have the right to limit the disclosure of this information to non-related third parties for marketing purposes. To submit a request to limit the disclosure of your sensitive information, visit our Data Rights Request page.
Your Debt Experts Managed Direct Marketing: If you prefer that we not deliver you marketing offers in email, postal mail or through telemarketing you may manage your direct marketing choices by emailing us your requests at [email protected].
Opt-Out Policy for Newsletter and Email Subscriptions
You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. Please be advised that all opt-out requests will be honored by the 10th business day. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected] or by replying to an existing email with your request to be removed from the mailing list.
VI. DATA SECURITY
At Your Debt Experts, the security of your Personal Information is extremely important to us. We take commercially reasonable precautions to protect your personal information and only provide employees access to it on a need-to-know basis. In an effort to prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, we have employed commercially reasonable physical, electronic, and managerial measures to protect your data and we periodically review these policies and procedures to prevent these types of acts. However, despite our best efforts, no security policy, procedures or practices are adequate to protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception.
Links to other sites: We may provide links to third-party sites. If you follow links to sites not affiliated or controlled by Your Debt Experts, you should review their privacy and security policies and other terms and conditions, as they may be different from those of our Site. Your Debt Experts does not guarantee and is not responsible for any interaction between you and the third-party sites, including but not limited to the privacy or security of these sites, including the accuracy, completeness, or reliability of their information. You acknowledge that the availability of third-party site links is merely for convenience purposes, and that Your Debt Experts does not endorse, support, acknowledge, agree with, or otherwise promote the contents of the third-party sites linked to our Site.
Security: To protect Personal information from unauthorized access and use, we use security measures that comply with applicable federal and state laws. These measures may include device safeguards and secured files and buildings as well as oversight of our third-party service providers to ensure information remains confidential and secure. While we follow generally accepted industry standards to protect the Sensitive Personal Information and PII submitted to us (both during your submission and after we receive it), please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information and PII, we cannot guarantee its absolute security. If you have any questions about security on our website, you can e-mail us at [email protected].
Data Retention: We retain Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include:
VII. STATE PRIVACY DISCLOSURES:
This section provides state specific disclosures which apply solely to consumers who reside in the states listed. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.
Notice to California Residents: As a California resident, you have the following rights regarding your personal information
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 following the directions set forth above. 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: [email protected].
Notice to Colorado Residents. If you are a Colorado resident, you have the following rights regarding your personal information:
Notice for Vermont Residents. As a Vermont resident, you have the right to opt out of the selling or sharing of your data. You also have the right to opt-out of joint marketing effort that Company has with other financial service providers.
Notice for Connecticut Residents. As a Connecticut resident, you have the following rights regarding your personal information:
Non-Discrimination For Exercising Your Rights. You have the right to not be discriminated against for exercising any of your privacy rights.
Notice to North Dakota Residents. As a North Dakota resident you have the right to opt-out of joint marketing with other financial institutions. For information how to request an opt-out of Joint Marketing, please see section V of this policy, and specifically subsection titled Submitting a Data Request.
Notice to Utah Residents. As a Utah resident, you have the following rights regarding your personal information:
Notice to Virginia Residents. As a Virginia resident, you have the following rights regarding your personal information:
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 only. If you are visiting our Site 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. We do not sell, offer, or otherwise provide services to individuals outside of the United States.
VIII. MISCELLANEOUS
Social media sites. Your Debt Experts provides experiences on social media platforms that enable online sharing and collaboration among users who have registered to use them. Any content you post on official Your Debt Experts managed social media pages, such as pictures, information, opinions, or any Personal information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those respective platforms. By allowing you to post or share information on Your Debt Experts social media pages, you acknowledge that Your Debt Experts does not endorse, support, acknowledge, or otherwise agree with the posted information and any such posts shall be your sole responsibility. You also agree that Your Debt Experts may use any information posted by you on Your Debt Experts social media for any purpose provided in this Notice. Please refer to them to better understand your rights and obligations with regard to such content. In addition, please note that when visiting any official Your Debt Experts social media pages, you are also subject to Your Debt Experts Privacy Notices, in addition to any social media platform’s Privacy Notice to which you may be subject to.
Short Message Service. Note that this policy notice does not replace your opt in requirements. We may make available a service through which you can receive communications your wireless device via short message service (“SMS Service”). Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. By providing your contact information, you affirmatively represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you understand that such communication may be subject to certain applicable charges, and that you approve all such applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our SMS confirmation and all subsequent SMS correspondence. All charges for data rates are billed by, and payable to, your mobile service provider. We will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. We will not be liable if SMS are received after hours due to such transmission delays. SMS message services are provided on an AS IS basis. We may also obtain the date, time, and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. We may provide your carrier with your applicable information in connection with your consent to receive SMS. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies. We will not be liable for any data use or misuse by your wireless carrier.
You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Nextel, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service.
SMS and Phone Call Opt-In. Note that this policy notice does not replace your express written consent and opt in requirements. By completing a lead or contact form and affixing you electronic signature, in compliance with the E-SIGN act and disclosure which is available to you in the link above or in the footer of our Site, you have agreed to give Your Debt Experts your express signed prior written consent and authorize Your Debt Experts and direct representatives calling on its behalf to contact you via telephone calls, or mobile device messages, online live chat and chatbots (including marketing calls and messages through by autodialing, text and pre-recorded messaging, AI generative voice, SMS, and MMS), even if my telephone number is currently listed on any internal, corporate, state or federal Do-Not-Call list. Msg. and data rates may apply, and you may opt out of text messages at any time by texting “HELP” for help, and “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, “OPT OUT”, “REVOKE” or “CANCEL” to opt out from any future communications. You may also choose to opt-out and remove your authorization to receive such calls and/or text messages by emailing us your instructions at [email protected]. You also consent to the recording and monitoring of all calls to and from us. Further, by providing your e-mail above, you authorize and give Your Debt Experts your express written consent, to receive electronic communications, including periodic emails with important news, financial tips, tools and more from Your Debt Experts. You understand that you can always withdraw your consent or unsubscribe at any time at [email protected]. You are not required to obtain goods or services or to be connected with any of the service providers that can fit my needs and that I may choose to call Your Debt Experts representative instead at 1.800.810.0989.
Making Sure Information is Accurate. You understand and agree that Your Debt Experts presumes that the Personal Information you provided is, indeed, accurate. Your Debt Experts will not be responsible for verifying that Personal Information. You understand that if you use any automated decision making features on our Site, it is crucial that you provide accurate PII and/or Sensitive Personal Information being requested in order for the automated decision making feature to process and provide you with an accurate decision and/or result. It is your responsibility to ensure the information provided is accurate and up to date. If you have previously submitted information which is incomplete, inaccurate or not current, please email or write us at the appropriate address, or complete a data request form, with updated information which you would like us to use in our communication with you.
Business Transitions. You understand and agree that if Your Debt Experts goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal information, PII, and additionally collected information will likely be among the assets transferred.
Do Not Track Disclosures
How do we respond to Web browser “do not track” (also referred to as “DNT”) 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?
ANSWER: 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.yourdebtexperts.com?
ANSWER: Yes, we currently have technology partners that provide us with Site tools which the consumer may use while visiting our site, which when used share personally identifiable information with our technology Partners. For Example, should you use the Instant Debt AdvisorSM, certain information is shared with the technology provider, All Clear Decisioning, LLC, and may also be shared with third-party service providers.
Protecting Children’s Privacy Online (Children’s Online Privacy Protection Act (COPPA)) Disclosure. The Site is not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) through the Site. We do not knowingly collect information from children under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any PII to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected PII from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided Your Debt Experts with PII in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
English Language Govern this Privacy Notice. You acknowledge and agree that the text of this Privacy Notice, including any and all linked pages or other page Sites, have been written, and are offered, in both English and Spanish. Each version is authentic. In the event of any dispute regarding this Privacy Policy, however, the English version shall be given priority of interpretation and shall therefore be controlling. Additionally, all notifications shall be provided by one party hereunder to the other party in the English language. You may request a copy of this Privacy Notice in Spanish for your records.
Updates to this Privacy Notice. This Online Privacy Notice is subject to change at the sole discretion of Your Debt Experts. Please review the Privacy Policy periodically to see if there are any changes. 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. You agree that your use of the Site following any changes to this Notice means that you accept the revised Notice and the Privacy policies therein.
CONTACT US
If you have any questions or suggestions regarding our privacy policy, please contact us:
Your Debt Experts
8220 W. State Road 84., Fort Lauderdale, FL 33324
Via Email at: [email protected]; or
Via Phone: 1.800.810.0989
PLEASE PRINT AND RETAIN A COPY OF THIS PRIVACY POLICY FOR YOUR RECORDS.
