At Debt Wise Solutions, we believe it is important to protect the privacy of our customers and guests. We know that you care about how your personal information is collected, updated, used and shared; and we want to help you make knowledgeable choices about the information you provide us.

This Privacy Policy explains and summarizes how Debt Wise Solutions:
• Collect
• Use
• and Protect
your personal information as you interact with us online and through our customer and consulting services. This Privacy Policy applies to Debt Wise Solutions, Debt Wise Solutions, Inc., The Debt Wise Nation, and the website located at www.debtwisesolutions.com. If you are visiting from outside the United States there may be special rules or limitations on your use of this website.

By using our website, you consent to the collection and use of your personal information by Debt Wise Solutions consistent with applicable data protection law and this policy.

COLLECTED INFORMATION AND UASGE

Debt Wise Solutions collects and uses information you provide to us including information obtained from your use of this website. We are not in the business of selling information about you. Debt Wise Solutions does not share your personal information with third parties for their direct marketing purposes. We may use or share your personal information (e.g., name address, telephone number and email address) where it is necessary for us to complete a transaction or do something that you have asked us to do.

• For example, we might need to provide your name, address, phone number or email to one of our vendors so that they can process a payment for our products or services, or to fulfill your product return.

• We might also refer your personal information to another vendor so that they can provide you with technical assistance you requested in conjunction with one of our products.

• Debt Wise Solutions employees, agents and service providers who need to access personal information you have provided to fulfill their responsibilities may do so consistent with Debt Wise Solutions policies that limit access to this type of information.
Debt Wise Solutions’ vendors and suppliers may process your personal data under the direction and control of Debt Wise Solutions. Whenever we may need to share your personal information, we try to provide you with the information you need to make informed reasonable choices and we manage your information consistent with applicable privacy law.

Debt Wise Solutions collects and uses personal information from you in several ways:

Web Site Usage. Debt Wise Solutions, or Debt Wise Solutions vendors and suppliers, may observe your activities, preferences, and transactional data (such as your IP address and browser type) as well as pages you have viewed during your use of this web site. While we may collect or log this information, we do not identify you or match this non-personal information with your other personal information. We may use this collected or logged information to diagnose web site technical problems, or to facilitate your use of the site. Debt Wise Solutions, or one of our vendors or suppliers, also may use this information to track aggregate traffic patterns throughout this web site.

E-Commerce. You may be asked to share personal information such as your name, address and telephone number in order to complete a transaction. When you purchase a Debt Wise Solutions product online you may be asked for information needed to complete your order, contact you to confirm the order and, provide related customer service. This information is used, for example, to affect your transactions, to create and share aggregate reports about these transactions, and to perform credit fraud screening services for transactions between you and Debt Wise Solutions and/or our authorized service providers. When you buy direct from Debt Wise Solutions these purchase transactions may be conducted through Debt Wise Solutions vendors and suppliers. Any vendor or supplier engaged by Debt Wise Solutions has their use of personal information limited by this privacy policy, contractual restrictions and applicable law. In such cases, these distributors may be the merchant of record and the handling of any personal information you may provide to them shall also be subject to their privacy policy. Please note that Debt Wise Solutions (through one of its vendors or suppliers) may limit the acceptance of orders to particular jurisdictions and as permitted by applicable law.

Cookies:  To the extent web site usage information is developed in connection with your IP address through session cookies, we will only use this information to facilitate your use of the Debt Wise Solutions web site. Cookies are data files that are written onto your computer by a web site. At the end of your visit, the session cookies are removed. Debt Wise Solutions does not use cookies other than the session cookies identified. However, our service providers or others may use cookies in order to personalize your experiences and adapt the web site’s functionality to your preferences. If you are visiting a URL other than debtwisesolutions.com, you should carefully review the cookie policy of these web sites. You may set your browser to notify you when you receive a cookie or refuse receiving it, including those set by Debt Wise Solutions vendors and suppliers. You should be aware that this may interfere with or make you unable to use certain functionality on web sites using cookies. For example, many web sites will ask your permission to use a cookie that will enable you to automatically log on to the web site. Disabling or removing cookies may require you to manually log on each time you wish to visit that web site. You may also delete cookies from your computer through your browser.

Children:  If under the relevant laws of the place where you are visiting this web site you are considered a minor (usually if you are under age 18), or otherwise would be required to have parent or guardian consent to share information with Debt Wise Solutions, you should not send any information about yourself to us. For example, if you are a resident of the United States of America you should not submit information to Debt Wise Solutions unless you are at least 13 years old. If a person under 13 submits information through any part of the Debt Wise Solutions web site, and we learn the person submitting the information is a child, we will attempt to delete this information as soon as possible. Because we do not knowingly collect any personal information from persons under 13, we do not use or disclose such information to third parties.

Public Areas:  Any information disclosed in public areas of the Debt Wise Solutions web site will become public information. We cannot control the use of information disclosed in public forums, such as bulletin boards, blogs and chat rooms. You should exercise caution when disclosing information in these public areas and should refrain from disclosing your personal information. Content posted in public areas of the Debt Wise Solutions web site, including advice and opinions, represents the views and is the responsibility of those who post the content. Debt Wise Solutions does not necessarily endorse, support, verify or agree with the content posted. If you have any questions or comments about any content on the Debt Wise Solutions web site email: info@debtwisesolutions.com.

WHEN DEBT WISE SOLUTIONS MAY SHARE COLLECTED INFORMATION

As mentioned in the beginning of this policy, Debt Wise Solutions may share your personal information within the Debt Wise Solutions group to fulfill its obligations to you and operate its business consistent with this policy and applicable data protection laws. Debt Wise Solutions may also share your personal information with third parties in the following situations.

Debt Wise Solutions Vendor and Suppliers: Debt Wise Solutions works with vendors and suppliers to provide technical and customer support, shipping, credit card processing, product fulfillment or other services. Debt Wise Solutions requires these vendors and suppliers to safeguard personal information you provide to us. To the extent it is necessary for these service providers to complete their contractual obligations to Debt Wise Solutions; these third parties may have access to or process your personal information. Debt Wise Solutions limits their use of your personal information to the purpose for which it was shared. Debt Wise Solutions may sometimes permit our authorized service providers to have access to aggregate statistics about our customers, sales, traffic patterns, and related site information. These transfers of aggregate statistics do not involve personal information or data.

Mergers, Acquisitions and Insolvency:  If Debt Wise Solutions should ever file bankruptcy or merge with another company, or if Debt Wise Solutions should decide to buy, sell or reorganize some part or all of its business, Debt Wise Solutions may be required to disclose your personal information, including information you have allowed us to see or use in your emails to us, to prospective or actual purchasers or receive personal information from sellers. It is Debt Wise Solutions’ practice to seek appropriate protection for information disclosed or received in these types of transactions consistent with applicable data protection law.

As Required by Law and Other Extraordinary Disclosures: Debt Wise Solutions may be required to disclose your personal information: (a) if it believes it is reasonably necessary to comply with a legal process (such as a court order, subpoena, search warrant, etc.) or other legal requirements of any governmental authority, (b) would potentially mitigate our liability in an actual or potential lawsuit, (c) is otherwise necessary to protect our legal rights or property, or (d) is necessary to protect the legal rights or property of others.

SPECIAL NOTICE TO INTERNATIONAL VISITORS

This web site is hosted in the United States. Debt Wise Solutions recognizes that many of our site’s visitors may not use English as their primary language. Accordingly, in some instances we have made available versions of this web site in other languages here. If you are visiting from a foreign country (a country other than the United States) with laws governing data collection and use that may differ from U.S. law, including those whose privacy laws may be more strict than U.S. law, please note that you are transferring your personal data to the United States to Debt Wise Solutions, Inc. By providing your personal data you consent to that transfer.

EU-U.S. Safe Harbor Adherence. Debt Wise Solutions adheres to the Safe Harbor principles agreed to by the United States and the European Union relating to data protection. Information on the Safe harbor may be found here. Parts of this Privacy Policy may not apply to visitors from outside the United States because of certain services are not offered to those outside the United States. For example, Debt Wise Solutions may rely upon distributors to make Debt Wise Solutions products available online. In such cases, these distributors may be the merchant of record and the handling of any personal information you may provide to them shall be subject to their privacy policy. Customer and technical support is available through this web site and via telephone. These services are provided in the United States subject to the Safe Harbor Principles.

STORAGE AND PERIOD OF HOLDING FOR PERSONAL INFORMATION

Unless otherwise requested by you, Debt Wise Solutions will continue to keep the personal information you provided to us. If the reason for collecting your personal information no longer exists, we will delete the personal information at the appropriate required time if legally required by relevant applicable data protection law.

SECURITY

No data transmissions over the Internet can be guaranteed to be 100% secure. Consequently, we cannot ensure or warrant the security of any information you transmit to us and you do so at your own risk. Once we receive your transmission, we make reasonable efforts to ensure security on our systems. We use secure server software (SSL) and firewalls to protect your information from unauthorized access, disclosure, alteration, or destruction. However, please note that this is not a guarantee that such information may not be accessed, disclosed, altered or destroyed by breach of such firewalls and secure server software. If Debt Wise Solutions learns of a security systems breach we may attempt to notify you electronically so that you can take appropriate protective action. By using this web site or providing personal information to us you agree that we can communicate with you electronically regarding security, privacy and administrative issues relating to your use of this site. Debt Wise Solutions may post a notice on our web site if a security breach occurs. If this happens, you will need a web browser enabling you to view the DebtWisetSolutions.com web site. Debt Wise Solutions may also send an email to you at the email address you have provided to us in these circumstances. Depending on where you live, you may have a legal right to receive notice of a security breach (or to withdraw your consent from receiving electronic notice) you should notify us at: privacy@debtwisesolutions.com.

LINKS TO THIRD-PARTY AND CO-BRANDED WEB SITES

This web site may contain links to third-party sites, please de aware that Debt Wise Solutions is not responsible for and cannot control the privacy practices of these other sites. We encourage you to read the privacy policies for these other sites, as they may differ from ours. This web site also contains links to co-branded websites that may display Debt Wise Solutions’ logo and trademarks but which are maintained by third parties. Such web sites may be identified by the fact that they do not display a “Debt Wise Solutions.com” URL. Please read the privacy policy on the co-branded site for the applicable privacy practices relating to personal information collected via that site, as it may differ from this Privacy Policy. This Privacy Policy applies solely to personal information collected by Debt Wise Solutions.

CHANGES TO THIS POLICY BY DEBT WISE SOLUTIONS

If in the future we change the Debt Wise Solutions Privacy Policy, we will post the new policy on this web site. If this policy is somehow materially less restrictive or protective of your privacy than the current policy, we will not apply the less protective aspects of the revised policy to information you have previously provided to us without first obtaining your consent. If we have a way of contacting you electronically, we will do so in the way you have instructed us to obtain your consent. WE reserve the right to change this policy in the future. Your continued use of this web site following a change in the privacy policy represents consent to the new policy to the fullest extent permitted by law. We encourage you to periodically review this Privacy Policy.

MARKETING COMMUNICATIONS

When you provide Debt Wise Solutions with personal information, if you allow us, we may communicate with you by the method you choose about topics of your choosing. Debt Wise Solutions seeks your consent to receive marketing communications from us when you provide your personal information.

ACCESSING YOUR PERSONAL INFORMATION, MAKING CHANGES OR REQUESTING DELETION OF PERSONAL INFORMATION

You may at all times object or restrict Debt Wise Solutions use of your personal data for direct marketing purposes. You may also request access to, correction of or deletion of personal data. For instructions on changing any of your privacy preference, accessing your information or for any privacy or data protection related question or concern, please email us at: privacy@debtwisesolutions.com. Please be aware that this Privacy Policy and the choices that you indicate when registering or purchasing on this web site will not necessarily apply to personal information you may have provided to Debt Wise Solutions, separately operated web sites or services. Generally, when we contact you, we will try to provide you with an easy and convenient way to notify us if you would not like further similar communications. If you have provided us with personal information not related to your purchase of our products and would like to change or update your personal information, please email us at: privacy@debtwisesolutions.com.

CONTACTING DEBT WISE SOLUTIONS

If you have any questions, comments, or concerns about this Privacy Policy, or If you have a privacy concern regarding Debt Wise Solutions or this policy and if you cannot satisfactorily resolve it through the use of this web site please email us at privacy@debtwisesolutions.com or write to us at the address below.

Postal Mailing Address:
Debt Wise Solutions, Inc.
4125 W. Noble Avenue, Suite 187
Visalia, CA 93277-1662
Attn: Privacy Officer
(800) 536-8049

In the event we are still unable to resolve your concerns, Debt Wise Solutions is committed to cooperating to achieve a proper and satisfactory resolution of your privacy concerns.