Before you publish this page: this is starter template language, not a finished legal document. Have it reviewed and finalized by qualified counsel familiar with privacy law (including any applicable state laws like the CCPA) and debt settlement regulation before this goes live.
Information We Collect
When you request a free debt analysis, enroll in a program, or otherwise interact with this site, we may collect information such as your name, contact details, financial information you choose to share (such as estimated debt amounts and creditors), and technical information about how you use this website (such as IP address and browser type, typically gathered through cookies or similar technology).
How We Use Information
We use the information you provide to evaluate your situation, prepare a personalized estimate, deliver services if you enroll, communicate with you about your account, and comply with legal and regulatory requirements. We may also use it, in de-identified or aggregate form, to understand and improve our services.
How We Share Information
We may share information with service providers who help us operate our business (such as payment processing, communications, and account servicing vendors), with your creditors as needed to negotiate and document settlements you've approved, and as required by law, regulation, or legal process. We do not sell personal information to third parties for their own marketing purposes. [Confirm and finalize this section with counsel based on your actual vendor relationships and any state-specific "do not sell" disclosure requirements.]
Your Choices
You can ask us to update or correct your contact information at any time, and you can opt out of marketing communications while remaining enrolled in any active program. Some communications related to your active program (such as settlement notices) are not optional while you remain enrolled. [Add state-specific privacy rights — e.g., California, depending on where NCDA operates.]
Data Security
We use reasonable administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.
Children's Privacy
Our services are intended for adults. We do not knowingly collect personal information from anyone under 18.
Changes to This Policy
We may update this policy from time to time. The "last updated" date above reflects the most recent revision.
Contact Us
Questions about this policy can be directed to [EMAIL ADDRESS] or [PHONE NUMBER].