Privacy Policy

This Privacy Policy describes how Working American Debt Experts (doing business as Working American Debt Experts, "we", "us", or "our") collects and uses personal information you provide when you visit our website, fill out our forms, or otherwise interact with our services. By using this site you agree to the terms described here, including our use and disclosure of your information as described below. All calls with us are recorded and monitored for training and quality-assurance purposes.

Information we collect

• Contact information such as your name, email, mailing address, and phone number.
• Financial information including outstanding debt amounts, account balances, and (when you provide it) the last four digits of your Social Security number.
• Income and employment information you share with us.
• Information about your transactions and creditworthiness obtained with your written consent under the FCRA.
• Technical information such as IP address, browser type, device identifiers, and pages viewed.

When we collect it

• When you submit our online intake form.
• When you call, email, or otherwise contact us with a question or request.
• Automatically through cookies, pixels, log files, and similar technologies.

How we use your information

• To respond to your request, provide an estimate, and deliver our services.
• To match you with debt-relief, credit-repair, or lending partners who may be able to help.
• For joint marketing with other financial companies in line with applicable law.
• To respond to customer-service inquiries and improve our services.
• To send marketing communications you can opt out of at any time.

Information sharing

We share your personal information with third parties only as described in this Policy. If you agree to our Terms of Use and Privacy Policy through our forms, we may sell or share your personal information with debt-relief providers, attorneys, credit-repair specialists, and lending partners so they can evaluate and contact you about offers. Without your acknowledgment and approval, we cannot accept your form submission. We may also disclose information as required by law (for example, in response to a subpoena or court order), or when we believe disclosure is necessary to protect our rights, the safety of users, or to investigate fraud.

Your choices and opt-out

You can opt out of marketing emails by clicking the unsubscribe link in any message, or by emailing us at [SUPPORT EMAIL]. To stop SMS messages, reply STOP to any text or email us at [SUPPORT EMAIL]. You can request access to, correction of, or deletion of your personal information by contacting us at the same address. We will respond within a reasonable timeframe.

Cookies and tracking

We and our partners use cookies, pixels, log files, and similar technologies to analyze trends, administer the site, track movement around the site, gather demographic information, and personalize advertising. You can control cookies in your browser settings, though some features may not work if you disable them. Mobile and connected-TV identifiers (such as Apple's IDFA and Android's AAID) may also be used; you can reset these in your device settings.

Data retention and security

We retain your information for as long as needed to provide our services, comply with our legal obligations, resolve disputes, and enforce our agreements. We follow generally accepted industry standards to protect your information in transit and at rest. No internet transmission or storage system is 100% secure, however, and we cannot guarantee absolute security.

State-specific notices

California residents may have additional rights under California law regarding the collection and use of personal information.

Vermont residents: we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with non-affiliated third parties, and we limit what we share with affiliates.

Nevada residents: you may be placed on our internal Do Not Call list by emailing us at [SUPPORT EMAIL]. You may also contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; phone 702-486-3132; BCPINFO@ag.state.nv.us.

Users outside the United States

Our services are intended for U.S. residents. If you access our site from outside the United States, your information may be transferred to and processed in the United States, where data-protection laws may differ from those in your country.

Children's privacy

This site is not directed to anyone under 13. We do not knowingly collect information from children under 13. If you believe we have received information from a child, please contact us so we can remove it.

Changes to this Policy

We may update this Policy from time to time. When we do, we will revise the "Last updated" date above. Continued use of the site after a change means you accept the revised Policy.

Contact us

Email: [SUPPORT EMAIL]
Mailing address: [ADDRESS]
Phone: [PHONE]