101DebtSettlement.com, Inc. Privacy Policy for Consumers - Your Privacy Rights

Last Updated: 12/14/09

101DebtSettlement.com, Inc. respects the privacy of our consumer users and has developed this Privacy Policy to demonstrate its commitment to protecting your privacy. As an individual who is a user of our websites, or otherwise as a user of the services provided by 101DebtSettlement.com, or its divisions and subsidiaries, this Privacy Policy is intended to describe for you:

We encourage you to read this Privacy Policy carefully when using our websites or services or transacting business with us. By using our websites, you are accepting the practices described in this Privacy Policy.

If you have any questions about our privacy practices, please refer to the end of this Privacy Policy for information on how to contact us.

101DebtSettlement.com, Inc. also engages in real estate and real estate brokerage activities through several other divisions or subsidiaries, and maintains several real estate-related websites. The privacy practices and policies relating to 101DebtSettlement.com, Inc.’s real estate related activities are described in a separate document.

Information We Collect About You

In General. We may collect personal information that can identify you such as your name and e-mail address, as well as other information that does not identify you. When you provide personal information through our websites or otherwise provide to us, the information may be sent to servers located in the United States and other countries around the world.

• Information You Provide. We may collect and store any personal information you enter on our websites or otherwise provide to us. This includes identifying information (such as your name, home or mailing address, e-mail address and telephone number), information about your home or prospective home, your financial information (such as your income, assets or debts), your Social Security number, personal information (such as your gender and age.
• Information from Other Sources. We may also periodically obtain both personal and non-personal information about you from business partners, contractors and other third parties. Examples of information that we may receive include credit reports, information about your home and additional demographic information.
• Information about Others. We may also collect and store personal information that you provide to us about other people (such as co-borrowers), including their name, address, phone number, Social Security number, financial information or other personal information.
• Use of Cookies and Other Technologies to Automatically Collect Information. We use various technologies to collect information from your computer and about your activities on our websites. We automatically collect information from your browser when you visit our websites. This information includes your IP address, your browser type and language, access times, the content of any undeleted cookies that your browser previously accepted from us (see "Cookies" below) and the referring website address.
• Cookies. When you visit our websites, we may assign your computer one or more cookies, to facilitate access to our websites, to personalize your online experience and to record information about your visit to our websites. Through the use of a cookie, we also may automatically collect information about your online activity on our websites, such as the web pages you visit, the links or advertisements you click, or the other actions you conduct while on our websites. The cookies do not store any personally identifiable information about you. Most browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you choose to decline cookies, please note that you may not be able to sign in or use some of the interactive features offered on our websites.
• Other Technologies. We may use standard Internet technology, such as web beacons and other similar technologies, to track your use on our websites. We also may include web beacons in promotional e-mail messages or newsletters to determine whether messages have been opened and acted upon. The information we obtain in this manner enables us to customize the services we offer our websites' visitors to deliver targeted advertisements and to measure the overall effectiveness of our online advertising, content, programming or other activities.
• Information Collected by Third Parties. We may allow third parties, including our authorized service providers, advertising companies, and ad networks, to display advertisements on our websites. We and these companies may use tracking technologies, such as cookies, to collect information about users who view or interact with these advertisements and connect to our websites. Our websites do not provide any personal information to these third parties. This information allows us and these companies to deliver and gauge the effectiveness of targeted advertisements. Some of these third-party advertising companies may be advertising networks that are members of the Network Advertising Initiative, which offers a single location to opt out of ad targeting from member companies. For a list of other third party advertising companies we typically use click here.

How We Use the Information We Collect

In general. We may use information that we collect about you to:

• deliver the products and services that you have requested;
• manage your customer relationship and provide you with customer support;
• perform research and analysis about your use of, or interest in, our products, services, or content, or products, services or content offered by others;
• communicate with you by e-mail, postal mail, telephone and/or mobile devices about products or services that may be of interest to you either from us, other 101DebtSettlement.com, Inc. companies or other third parties;
• develop and display content and advertising tailored to your interests on our websites and other websites;
• verify your eligibility and deliver prizes in connection with promotions, contests and sweepstakes;
• enforce our terms and conditions;
• manage our business and
• perform functions as otherwise described to you at the time of collection.