Turbodebt.com Online Privacy Policy

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

This Online Privacy Policy applies to www.turbodebt.com, owned and operated by TurboDebt, LLC (sometimes referred to as “Company” or “TurboDebt”), and any Company affiliate or subsidiary online interface that links to this Policy, (each, a “Site,” and collectively, the “Sites”). This Policy describes how TurboDebt collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Agreement to this Policy

By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.

This Agreement is subject to a binding arbitration agreement set forth in the Online Terms of Service. Such Terms affect your legal rights, including an agreement to resolve disputes that may arise between us by arbitration on an individual basis instead of by class actions or jury trials. As a condition of using this Site, you agree that any disputes pertaining to information presented herein and use of the Site, including matters related to Privacy, shall be resolved through binding arbitration and not in a court. You have the right to opt-out of our agreement to arbitrate.

Collection of Your Information

We collect the following personal information from you.

Personal Data You Provide

We may collect personal data from you directly when you enroll in our services, visit our website, or inquire about our products or services. Including:

• Contact Information such as name, email address, mailing address, phone number and anything you may voluntarily e-mail us.
• Subscribe to Our Mailing List. If you sign up to receive emails from us, you will provide us with your name, company name, and email address. To unsubscribe from our marketing emails, please click the unsubscribe link included in the footer of our emails.
• Financial information: We may collect financial information, such as bank accounts, credit accounts, credit information, income, employment records and other information related to your financial situation.
• Communications: To communicate your needs to our staff or partners, you may be asked to provide communications that TurboDebt is not a party to. This would include, communications with your creditors or debt collections, phone conversations, contractual agreements, and any other information you choose to provide.
• Social Media Information: Information that may be shared on your social media or public comments or endorsement websites.

Personal Data Collected Automatically

We automatically collect certain personal data through your use of our Site and our use of cookies and other tracking technologies, such as the following:

• Log Data: Information that your browser automatically sends whenever you user our website(“log data”). Log data includes your Internet Protocol address, browser type and settings, the date and time of your request, and how you interacted with our website.
• Usage Data: We may automatically collect information about your use of the Services, such as the types of content that you view or engage with, the features you use and the actions you take, as well as your time zone, country, the dates and times of access, user agent and version, type of computer or mobile device, computer connection, IP address, and the like.
• Cookie and Tracking Information: We may deploy cookie, or other tracking software that allows us to improve the Site and provide you with our services. We may also use cookies or other tracking software to engage in marketing or ‘targeted marketing’ using information that may be considered ‘personal information’ such as IP, and page view. To opt-out of the use of targeted marking for these purposes, please visit our Data Request page

To learn more about our use of cookies or other tracking technologies, please review our “Cookies” section below.

Personal Data We Collect About You from Other Sources

In some cases, we may receive personal data about you from other sources. These sources include third-party provides that we work with to administer our services, such as debt settlement companies, creditors or debt collectors, credit reporting agencies, and advertising and marketing partners.

Categories of Personal Information Collected Over the Last 12 Months

In the last 12 months we have collected the following piece of personal information from consumers:

Sensitive Information

Some of the information identified above that you choose to provide us (specifically, government issued identification and your signature) may be considered sensitive Personal Information under the laws of some jurisdictions. We do not use any sensitive Personal Information for purposes other than as reasonably expected by an average consumer to provide our Services, for legal, security and safety purposes, and without the purpose of inferring characteristics about an individual.

We may share this information with non-affiliated third-party business partners in connection with enrolling you in their services. To limit the use of your sensitive information please visit our Limit the Use of My Sensitive Information page

Use of Your Personal Information.

In addition to the purposes stated above, we may use all the personal data we collect in accordance with applicable law such as to:

• Maintain and improve our Website and Services;
• Protect the security and integrity of our Site and Services;
• Communicate with you, including customer support, security alerts, or recommend and offer financial products or services offered by our unaffiliated third-party partners
• Enroll you in our Services or one of our partner’s Services;
• To negotiated your enrolled accounts;
• Investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, or violations of our Terms of Use, and to otherwise fulfill our legal obligations;
• Monitor compliance with and enforce this Privacy Policy and any applicable agreements and policies;
• Defend our legal rights and the rights of others;
• To assist you with the negotiation of your debts, or in other legal capacities;
• To market our products and services to you;
• Fulfill any other purposes for which you provide it;
• For any purpose that is reasonably necessary to or compatible with the original purpose for which we collected the personal data as disclosed to you;
• Comply with applicable law;
• Send you messages, including in some instances we may send you SMS Messages through a third-party service provider. To learn more about these messages, please visit our SMS Policy below.

Information Obtained from Third Parties

We may purchase marketing data about our customers from third parties and combine it with the personally identifiable information customers provide us, to offer advertising and products in which we think our customers will be interested.

Cookies and Other Technologies

When you use our Services or visit our Websites, we may send one or more cookies or and similar tracking technologies.

Cookies

Cookies are text files, containing small amounts of information, which are downloaded to your device as you browse the web or use a web-enabled app.

There are two broad categories of cookies:

• First party cookies, served directly by us to your computer or mobile device when you use a web-enabled app.
• Third-party cookies, which are served by a third-party on our behalf. We use third-party cookies for functionality, analytics, marketing, and social media purposes.

As explained below, cookies can remain on your computer or mobile device for different periods of time:

• Single-session (temporary) cookies. Temporary cookies last only as long as your web browser is open and are used for technical purposes such as enabling better navigation on our Website. Once you close your browser, the cookie disappears.
• Multi-session (persistent). Persistent cookies are stored on your computer or device for longer periods and are used for purposes including session management (for example, to recognize you and recall your individual login information and preferences).

Like most companies, we generally use cookies to track the number of unique visitors and information such as the number of view a page gets, how much time a user spends on a page and other web statistics; monitor the performance of Site Services and to continually improve it; and customize and enhance your online experience.

We classify cookies in the following categories:

• Non-targeting cookies. These cookies are primarily used for operational, performance/analytical, and functional purposes.
• Targeting cookies. These cookies may be set through our Wesbsite by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites. They do not store directly Personal Information, but are based on uniquely identifying your browser and internet device. If you do not allow these cookies, you will experience less targeted advertising.

How to control or delete cookies

Most browsers also allow you to adjust your cookie settings. These settings will typically be found in the “options” or “preferences” menu of your browser. In order to adjust these settings, please consult the “Help” function of your browser, or the documentation published online for your particular browser type and version. For residents of certain jurisdictions, you may be able to adjust your cookie settings by visiting our cookie preferences center.

Third-party web beacons and third-party buttons

We may implement third-party advertising or other content on our Website that may use clear GIFs or other forms of web beacons, which allow the third-party content provider to read and write Cookies to your web browser in connection with your viewing of the third-party content on the Web, we may implement third-party buttons (such as Facebook “like” or “share” buttons) that may allow a third-party to collect information about you through their browser Cookies, even when you do not interact with the button.

Where information collected through web beacons, buttons, and similar technologies is collected directly by third-parties, their collection and use of information is subject to that third-party’s own privacy policies. Some of these third-parties are members of the Network Advertising Initiative or the Digital Advertising Alliance and participate in the industry’s opt out, available at http://optout.aboutads.info/#!/ or at http://optout.networkadvertising.org/#!/ . Additionally, you may opt out of the use of Google Analytics Cookies here: https://tools.google.com/dlpage/gaoptout.

Due to differences between using websites and apps on mobile devices, you may need to take additional steps to opt out on both platforms. Many mobile devices allow you to opt out of interest-based advertising for mobile apps using the settings within the mobile app or your mobile device. For more information, please check your mobile device settings. You also may uninstall our app using the standard uninstall process available on your mobile device or app marketplace. Please note that your opt-out choice will apply only to the browser and device you are using when you opt out

How We Share Your Personal Data

We may share the personal data that we collect about you in the following ways:

• We may provide your information to third party partner’s who may perform services you have requested;
• To enroll you in one of our third party partner’s programs;
• With vendors who perform data or related services on our behalf (e.g., email, hosting, maintenance, backup, and analysis);
• To the extent that we are required to do so by law;
• With third party creditor or financial institutions so that we may provide you our services;
• In connection with any legal proceedings or prospective legal proceedings;
• To establish, exercise, or defend our or a third party’s legal rights, including providing information to others for the purposes of fraud prevention;
• With any person who we reasonably believe may apply to a court or other competent authority for disclosure of that personal data where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that personal data;
• With any other person or entity as part of any business or asset sale, equity transaction, merger, acquisition, bankruptcy, liquidation, or similar proceeding, or in preparation for any of these events;
• To other third-party servicers that you may be in contract with, such as debt collection companies to update those organization on the status of your enrolled accounts;
• With third-party marketing companies to market our service or provide you with products we believe that you might be interested in;
• With any other person or entity where you consent to the disclosure; and
• For any other purpose disclosed by us when you provide the personal data or for any other purpose we deem necessary, including to protect the health or safety of others.

In addition to the purposes stated above in the section “How We Use Your Personal Data” we currently collect and have collected your Personal Information for the following business or commercial purposes:

• For the sale and marking of third-party partner services
• Auditing related to counting ad impressions to unique visitors, verifying positioning and quality of ad impressions, and auditing compliance with this specification and other standards
• Helping to ensure security and integrity to the extent the use of your Personal Information is reasonably necessary and proportionate for these purposes
• Debugging to identify and repair errors that impair existing intended functionality
• Short-term, transient use, including, but not limited to, nonpersonalized advertising shown as part of your current interaction with us,
• Performing services, including maintaining or servicing accounts, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, providing financing, providing analytic services, providing storage, or providing similar services
• Undertaking internal research for technological development and demonstration
• Undertaking activities to verify or maintain the quality or safety of a service or device that is owned, manufactured, manufactured for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, manufactured, manufactured for, or controlled by us
• Advancing our commercial or economic interests, such as by inducing another person to buy, rent, lease, join, subscribe to, provide, or exchange products, goods, property, information, or services, or enabling or effecting, directly or indirectly, a commercial transaction.

The following table identifies the categories of Personal Information that we disclosed about consumers for a business purpose in the preceding 12 months preceding the Last Updated date of this Privacy Policy and, for each category, the categories of third parties to whom we sold or shared Personal Information:

Sale, Sharing, and Disclosure of Personal Information

We may engage in the “sale” or “sell” your personal data in connection with enrolling you in on of our service providers programs, or in the use of your information for targeted advertisements. To opt-out or limit the the sale of your personal information, please visit our ‘Data Rights Requests’ page.

The following table identifies the categories of Personal Information that we sold or shared to third parties in the 12 months preceding the Last Updated date of this Privacy Policy and, for each category, the categories of third parties to whom we sold or shared Personal Information:

We do not knowingly collect, sell, or share the Personal Information of consumers under 16 years of age.

We reserve the right to disclose your personal information as required by law (e.g., to comply with a subpoena, warrant, court order, or similar legal process served on our website) and when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, and/or respond to a government request. In certain situations, we may be required to disclose personal data in response to lawful requests by public authorities, including meeting national security or law enforcement requirements.

In the event Company goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred.You will be notified via email and/or a prominent notice on our website of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.

Choice/Opt-Out:

Depending on where you reside, you may have certain rights regarding the data that we collect. Those rights may include:

1. The right to know what Personal Information we have collected about you, including the categories of Personal Information, the categories of sources from which we collected Personal Information, the business or commercial purpose for collecting, selling or sharing Personal Information (if applicable), the categories of third parties to whom we disclose Personal Information (if applicable), and the specific pieces of Personal Information we collected about you;
2. The right to delete Personal Information that we collected from you, subject to certain exceptions;
3. The right to correct inaccurate Personal Information that we maintain about you;
4. If we sell or share Personal Information, the right to opt out of the sale or sharing;
5. If we use or disclose sensitive Personal Information for purposes other than those allowed under applicable law, the right to limit our use or disclosure; and
6. The right not to receive discriminatory treatment by us for the exercise of privacy rights confers.

To exercise these rights, please visit our Data Request page

Correcting and Updating Your Personal Information

Upon request we will provide you with information about whether we hold any of your personal information. If you wish to request any correction, or deletion, or that we do not sell or share your personal information please contact us at privacy@turbodebt.com

We will respond to your request within a reasonable timeframe.

Data Retention

We will retain your information for at least as long as your account is active or as needed to provide you services. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Links to Other Websites

Our site includes links to other websites whose privacy practices may differ from those of TurboDebt. If you submit personal information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.

Social Media Widgets

Our website may include Social Media Features, such as the Facebook Like button, and Widgets, such as the Share This button or interactive mini-programs that run on our website. These Features may collect your Internet protocol address, which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.

Security

The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.

We recognize the importance of safeguarding the confidentiality of Personal Information from loss, misuse, or alteration. Accordingly, we employ commercially-reasonable administrative, technical, and physical safeguards to protect such Personal Information from unauthorized access, use, and disclosure. Even with these safeguards, no data transmission over the internet or other network can be guaranteed 100% secure. As a result, while we strive to protect information you transmit to us, you do so at your own risk.

Notice to California, Connecticut, Colorado, Montana, Nevada, Oregon, Texas, Utah or Virginia Residents

If you are a California, Connecticut, Colorado, Montana, Nevada, Oregon, Texas, Utah or Virginia resident, your state law may provide you with additional rights concerning TurboDebt’s collection and use of your personal information. To exercise these rights, please visit our Data Request

Notice to Vermont Residents

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you

Notice to Nevada Residents

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at (LORG Help Email Address). Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us.

Notice to Users Outside of the United States

This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third-parties with whom we share it as described in this Notice.

Protecting Children’s Privacy Online

The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information.

Notification of Privacy Statement Changes.

We may update this Policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Notice, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.

Contact Information

You can contact us by writing or email us at the address below.

If you have any questions about this Privacy Policy, please email us at Support@TurboDebt.com, call us at 866-511-3395, or send us a letter to the following address:

TurboDebt, LLC
Attn: HR Department
7159 Corklan Drive
Suite 100
Jacksonville, FL 32258

Call Monitoring:

Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.

Please print and retain a copy of this privacy policy for your records.