Privacy Policy

Effective Date: September 12, 2024

Introduction

Welcome to our privacy policy. We respect your privacy and take it very seriously. We are BestDebtConsolidations, a website owned and operated by FiveStar Media LLC, and this is our plan of action to protect your personal data. The following describes how we collect and process your personal data when you use our website and platform. This privacy policy is designed to help you understand how your personal data is used, inform you of your rights and how to exercise those rights.

Audience

This policy applies to you when you visit our website, use our application, or order our products or services as a customer.

What type of personal data do we collect and how do we use it?

The personal data we may collect about you includes the following:

  1. Account Information: When you register for our service or product, we collect details like your full name, email address, employment type, job title, and contact information.
  2. Profile Information: When you create a username and password for your profile, we collect any information you provide.
  3. Log-In to the Platform: We may use Single Sign-On (SSO) services like Google, which accesses user information based on SSO privacy settings.
  4. Third-Party Service Information: When integrating with third-party services it may involve sharing your personal data, subject to privacy settings.
  5. Live Chat: We may collect your name, email, and chat content for inquiries made via the live chat function.
  6. Newsletter: We may collect your email address for newsletter registrations, with an option to opt out.
  7. Interactions: We may collect additional personal data from the website, contests, surveys, events, and job applications, etc.
  8. Usage Information: We may collect log data, device information, and location information subject to applicable laws.
  9. Financial Information: We may collect your bank account details and purchase history depending on your interactions with us.

Use of your personal data

We utilize the personal data we collect for various business purposes such as:

  1. Providing Requested Services: We collect personal data to enable authorized users to operate the platform, facilitate services for customers, and assist in inquiries.
  2. Improvement and Development of Services: We gather personal data to enhance services, gather feedback, maintain user-friendly interfaces, and improve business management.
  3. Maintaining a Safe and Secure Environment: We utilize personal data to detect and prevent fraud, abuse, and security incidents, enhancing the safety and security of the platform.
  4. Personalized Content, Advertising, and Marketing: We use data to match users' needs and interests, optimizing content and providing personalized experiences.
  5. Compliance, Fraud Prevention, and Safety: We may disclose personal data to law enforcement or government authorities to protect various rights, privacy, safety, or property, and to enforce our terms and conditions.

Overall, we process personal data for various purposes, ensuring compliance with our legal obligations and respecting users' rights to privacy.

When can we use your personal data?

We may process your personal data to fulfil our obligations to you. We will only process your personal data:

  • with your explicit consent;
  • where it is necessary to carry out actions for the conclusion or performance of a contract with you;
  • where it is necessary for us to comply with a legal obligation; or
  • where we can show legitimate grounds for processing your personal data.

How do we share personal data?

We share personal data in accordance with our privacy policy and legal obligations, with the following entities:

  1. Corporate Affiliates: personal data may be shared with our corporate parent, subsidiaries, and affiliates.
  2. Service Providers: Third-party companies and individuals providing services on our behalf, such as customer support, hosting, analytics, etc., may access personal data as directed by us.
  3. Professional Advisors: personal data may be disclosed to professional advisors like lawyers, bankers, auditors, etc., as necessary for the services they provide to us.
  4. Compliance, Fraud Prevention, and Safety: personal data may be shared for compliance, fraud prevention, and safety purposes, including legal obligations and security threats.
  5. Business Changes: During mergers, acquisitions, bankruptcies, or similar business changes, personal data may be shared or transferred subject to appropriate confidentiality arrangements.

Where do we transfer personal data?

The personal data that we collect from you may be transferred to, stored and processed by our affiliates, properly vetted sub-processors and third-party service providers. We may transfer your personal data outside of the country where it was collected to a foreign country. We utilize a variety of mechanisms to ensure the security and legitimacy of these transfers. By submitting your personal data, you agree to us transferring, storing, or processing it in a foreign country with less stringent data protection laws than the country in which it was collected.

We will take all steps reasonably necessary to ensure that your personal data is treated securely. All sub-processors and third-party service providers are under appropriate contractual obligations to ensure the safety and confidentiality of your personal data.

Marketing

You are always in control of your personal data, and if you choose to stop receiving our marketing information, you may click on the unsubscribe link at the bottom of our marketing material.

You can rest assured that, even if you unsubscribe, you will still receive the necessary emails for the management of your account (for example, if you forget your password).

Links to other websites

This website or platform may provide links to other websites. This privacy policy does not cover the personal data practices exercised by other providers of products or services, advertisers or other websites, companies or individuals, which are not owned or controlled by us. We suggest that when linking to another website, you always read that website’s privacy policy before volunteering any personal data.

Data Security

Security is critical to our objectives, and we take the security of personal data as a priority item. We use up-to-date industry standards and practices to protect personal data from loss, misuse, and unauthorized access or disclosure. These steps take into account the sensitivity of the personal data we collect, process, and store, and the current state of technology. Given the nature of communications and technology, we cannot guarantee that personal data in our care will be absolutely safe from intrusion by others during transmission through the internet or while stored on our systems or otherwise.

We require our partners with whom we share personal data to implement appropriate security measures to protect your personal data. However, when you click a link to a third-party site, you will be leaving our site, and we don’t control or endorse what is on third-party sites.

Data Retention

We will retain your personal data in accordance with applicable laws, regulations, and contractual agreements. Generally, we do not retain personal data longer than necessary to provide our services and for reasonable business and lawful needs. This may include keeping interaction data for the period needed for us to pursue legitimate business interests, conduct audits, comply with legal obligations, resolve disputes, and enforce our agreements.

When we no longer require your personal data, we will either delete or anonymize it or, if this is not possible (for example, because your personal data has been stored in backup archives), then we will securely store your personal data and isolate it from any further processing until deletion is possible.

Children’s Data

The website and platform are not intended for children under the age of 16. We do not, knowingly, or intentionally, collect personal data about children who are under 16 years of age.

If you are under the age of 16 you may not use the website and platform, unless parental or guardian consent is provided.

If you believe that we may have any personal data from or about a person under the age of 16, please contact [email protected].

Cookies

We will ask for your explicit consent to allow any cookies which identify you, your location or profile you before we place them on your device. We may use “cookies” or other technologies or files (collectively, “cookies”) to identify how visitors make use of our website and platform. This aggregated tracking of personal data may be used to help us improve and enhance the website and platform experience for all of our users. In addition, cookies are used for adjusting the website and platform to your personal preferences. Cookies contain personal data such as the pages you visited, the length of time you stayed on the website or platform, the location from which you accessed the website or platform and more.

If you would prefer not to have cookies stored on your computer, you may reject non-necessary cookies through our website banner, modify your browser settings to reject most cookies, or manually remove cookies that have been placed on your computer. However, by rejecting the cookies, you may be unable to fully access the offerings on our website or platform. To find out more about cookies, visit https://www.allaboutcookies.org.

Your Rights

If you believe your rights regarding your personal data have been violated, you have the option to lodge a complaint with the relevant supervisory authority.

You have the right at any time to request access or to modify your personal data. To exercise your data protection rights as listed below, please contact us at [email protected]. Note, that we may ask that you verify your identity first.

Your Rights Include:

  • Being informed about the personal data we process about you;
  • Accessing the personal data we process about you;
  • Rectifying or updating the personal data you have provided;
  • Requesting the deletion of your personal data;
  • Opting out or objecting to certain uses of your personal data;
  • Withdrawing consent at any time;
  • Exercising the right to data portability; and
  • Ask us to review any automated decisions made about your personal data.

Your rights may change depending on the jurisdiction you are requesting from.

For customers of our customers, please contact your system administrator to exercise your rights. We will do our best to assist our customer to fulfill your request.

Californian residents:

If you are a California resident, the California Consumer Privacy Act (CCPA) grants you the right to request certain information about our practices with respect to your personal information. In particular, you can request to receive information on the following:

  • The categories and specific pieces of your personal information that we have collected.
  • The categories of sources from which we collected your personal information.
  • The business or commercial purposes for which we collected your personal information.
  • The categories of third parties with which we shared your personal information.

You can be assured that we do not sell your personal information. You can choose to opt out of us sharing your personal information. If you choose to exercise your rights, we will not charge you different prices or provide different quality of our services, unless those differences are related to your provision of your personal information.

Please note that you must verify your identity and request before further action is taken. As a part of this process, government identification may be required. Moreover, you may designate an authorized agent to make a request on your behalf.

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12 month period preceding your verifiable request’s receipt. If, for some reason, we cannot reply within such timeframe, our response will include an explanation for our inability to comply. If you wish to exercise your CCPA rights, please contact us at: [email protected].

We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you with a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Questions regarding our Privacy Policy

If you would like to contact us to discuss any queries or concerns about this privacy policy or our data protection practices contact us at [email protected].

Our Data Protection Officer’s contact details are:

Email: [email protected]

What about changes to our Privacy Policy?

We will occasionally update this privacy policy. When we do, we will post a prominent notice in this section of this privacy policy notifying users when it is updated. For material changes (i.e., substantially new practices you wouldn’t expect from us or that we didn’t previously tell you about), we may decide to give you notice via email.