1. Overview

1. We respect your privacy.
2. Security is important to us. We strive to use commercially acceptable means to protect your information, but we cannot guarantee its absolute security.
3. We collect information you give us when you register or use our online forms. We track the web pages you visit by using cookies.
4. We may use your information to improve the performance and accuracy of our website and system. We will only do so if we can preserve the confidentiality of user identifiable information.
5. If you choose to post publicly on our blog or otherwise explicitly give us permission to share your identifiable information with others, this information may become public.
6. You can opt out of marketing communications we send.
7. We will not sell your information to a third party.
8. We may link to other websites. We cannot vouch for their privacy policies.
9. We will post updates to our privacy policy on our website.
10. Use of the website is subject to the Terms of Use agreement, which is available here. Terms of Service
11. Please contact us at Contact Us if you would like to learn more about our company and our policies.

2. Information Collection

2.1. Information We Collect

We may collect information that identifies Users when accessing the Website (collectively, "Information"), which includes:

1. user names, addresses, phone numbers, birth dates, billing and delivery informations, email addresses, credit card information, and other financial account information ("Personally Identifiable Information"),
2. other information Users provide to Us but that does not identify Users personally, such as records of User visits, and information Users submit when using the Website,
3. information from third parties, and
4. traffic and usage information generated from User visits to the website, including traffic data and the type of device that Users use to access the Website.

2.2. Tracking Technologies

We may use a variety of technologies to collect Information, including cookies, flash cookies, general log information, and referral information from third party websites.

3. No Information Collected from Children

3.1. Website Not Intended for Children

We do not:

1. intend that the Website or its content are used by children under the age of 13, or
2. direct the Website or its content at children under the age of 13.

3.2. No Information Intentionally Collected from Children

We will not, without parental consent, intentionally

1. collect or solicit any Information from anyone under the age of 13, or
2. allow people under the age of 13 to register for the Website.

3.3. In Case of Unintended Collection

If We learn from any Person that it has collected Information from a child under age 13 without parental consent, We shall promptly delete that Information.

4. How We Use Information

We may use the Information we collect to:

1. provide, operate, maintain, improve, and promote, the Website,
2. enable Users to access and use the Website, including uploading, downloading, collaborating on, and sharing content,
3. process and complete transactions, and send Users related information, including purchase confirmations and invoices,
4. send transactional messages, including responding to User comments, questions, and requests, providing User service and support, and sending Users technical notices, updates, security alerts, and support and administrative messages,
5. send promotional communications, such as providing Users with information about services, features, newsletters, offers, promotions, contests, events, and sending updates about User team and chat rooms,
6. monitor and analyze trends, usage, and activities in connection with the Website and for marketing or advertising purposes,
7. investigate and prevent fraudulent transactions, unauthorized access to the Website, and other illegal activities,
8. personalize the Website content, features, or advertisements, and
9. enable Users to share content with other Users they designate.

5. Information Advertising and Sharing

5.1. Advertising and Cookies

1. Third Party Advertising and Cookies. We may permit third party advertising partners to deliver ads to Users and use cookies on the Website.
2. Policy Does Not Cover Third Party Advertisers. This policy does not cover third party advertising partners' use of cookies, which is subject to the third-party advertising partners' own privacy policies.
3. Use of Cookies. We may, and may permit third party advertising partners, to use cookies to
   1. recognize a User's computers,
   2. send online advertisements to Users, and
   3. compile Information about a User's, and others, use of its computer.

5.2. Service Providers

We may share Information with third party service providers it employs to perform functions and provide services for Us and the Website, subject to the terms of this policy, and only to the extent necessary:

1. to process payments,
2. to prevent, detect, and investigate fraud or other prohibited activities,
3. to facilitate dispute resolution, such as chargebacks or refunds, and
4. for other purposes associated with the acceptance of credit or debit cards.

5.3. Credit and Debit Card Information

We may share User credit or debit card numbers with third party payment services providers or card networks, only to the extent necessary to monitor card transactions at participating merchants and track redemption activity for the purposes of providing card-linked services.

6. User Settings

We shall provide Users the ability to exercise certain controls and choices regarding our collection, use, and sharing of User information, to the extent required by Law, which might include a User's ability to:

1. correct, update, and delete account information,
2. change choices for subscriptions and newsletters,
3. choose whether to receive offers from Us, and
4. choose whether the User receives targeted advertising from Us or third-party advertising partners.

7. Accessing and Correcting User Information

7.1. Opportunity to Correct Contact Information and Preferences

We shall provide Users with the opportunity to ensure that contact information and preferences are accurate, complete, and up to date, through each User's account, accessible from the-real-debt-optimizer.com.

7.2. Opportunity to Request Corrections and Deletions

Subject to paragraph 7.3, We shall provide Users with the opportunity to request that We:

1. correct inaccurate Personally Identifiable Information We hold, and
2. delete Information We are not required to retain by Law or for legitimate business purposes.

7.3. Discretion Over Corrections and Deletions

We will have the sole discretion to adhere to or decline User requests to correct or delete Information that are frivolous or vexatious, jeopardize the privacy of others, are extremely impractical, or not otherwise required by Law.

8. Additional Rights for California Residents

If a User is a California resident, the User may have certain additional rights, including:

8.1. Right to Request Information

The right to request information regarding our disclosure of the User's personal information to third parties for the third parties' direct marketing purposes, under California Civil Code Section 1798.83.

8.2. Right of Minors to Request Deletion

The right of Users who are minors to request and obtain deletion of certain posted content, under California Business and Professions Code Section 22581.

9. No Security Guarantees

We do not guarantee against all unauthorized disclosure, alteration, or destruction or Information.

10. Changes to Policy

1. Discretion to Make Changes. We may change this policy at our discretion.
2. Notice of Changes. We shall provide reasonable notice of any such changes on the Website.
3. Acceptance of Changes. Users' continued use of the Website after notice of the changes has been posted to the Website will be deemed acceptance of the changes, if
   1. a reasonable time has passed in which Users could review the changes, but
   2. regardless as to whether the individual User did review the changes.

11. Links to Other Websites

We will not be responsible for the content on or privacy practices of third-party sites linked to from the Website.