Privacy Policy

Atlas Debt prioritizes your data protection and privacy. This policy applies to our websites, applications, services, and all interactions we have with you. It explains how we handle your personal information (defined later), including methods of collection, use, storage, sharing, and processing. It also outlines your rights regarding your personal information and how to contact us with any questions or concerns.

Please read this policy carefully. Additionally, our Terms of Use explains the terms under which we operate.

Understanding Your Information:

Personal Information: The data we process about you ("Personal Information") depends on your interaction with our Services ("Services") (as defined below) and can include:

Information you provide directly (e.g., name, email address)

Information collected automatically (e.g., device information, usage data)

How and Why We Use Your Personal Information: We utilize your Personal Information:

To understand your Service usage

To deliver and maintain Services

To maintain records of interactions with you

To respond to your inquiries

To notify you of Service changes

To serve advertisements on our Services or for marketing purposes (subject to your consent)

To enable participation in interactive features

Do Not Track: Your browser settings may allow for the transmission of a "Do Not Track" signal to online services, including our Services. However, there is no industry consensus regarding how operators should handle these signals. Therefore, unless legally required, we do not currently monitor or take action based on "Do Not Track" signals. For more information on "Do Not Track," visit: [link].

Sharing Your Personal Information:

With Trusted Partners: We may disclose your Personal Information to the Atlas Debt ("Atlas Debt") (as defined below), our third-party service providers and professional partners, parties involved in corporate transactions, law enforcement agencies, courts, or regulatory bodies (to comply with legal obligations), or with your explicit consent.

Retention Period: We retain your Personal Information for as long as necessary to fulfill the purposes for which it was collected.

Additional Information:

Third-Party Links: When accessing content from third parties through our Services, please review their privacy policies to understand their data handling practices.

Specific Regional Rights: Depending on your location, you might have additional rights regarding your Personal Information.

Security:

We have implemented appropriate technical and organizational safeguards to protect your Personal Information.

Children:

Our Services are not directed at or intended for use by children under 16.

Changes to This Policy:

We may update this Policy periodically. Learn more about policy updates [link].

How to Contact Us:

You can contact us online, by mail, or through email. info@atlas-debt.com 46 Smith Alley #230 Pasadena CA 91103

Understanding key terms within our Privacy Policy

Atlas Debt, our, us, we Personal Information Any information that, either directly or indirectly, in itself or in combination with other information, identifies or could identify a particular individual or household (as applicable). You or Your The person whose Personal Information is being collected, used, shared, or otherwise processed Services

This Privacy Policy applies to: The Atlas Debt websites that directly hyperlink to this Privacy Policy, including all associated subdomains. The related services offered therein. This Privacy Policy does not extend to: Websites and services that do not display or link to this Privacy Policy. Websites and services that contain their own independent privacy policies. Personal Information Collected:

The type of Personal Information we process about you depends on your interaction with our Services, including: Directly Provided Information: Any information submitted through forms, queries, registration, job application, or service subscription on our Services (e.g., name, email, demographics like age). Content of messages, emails, or other communication you have with us, including your contact details and the message content itself. Information contained in and associated with anything you post on our Services.

Information Collected Through Automated Technologies: As you use our Services, we may utilize automated data collection or tracking technologies to gather specific information about your equipment, browsing activities, and usage patterns, such as: Details of your Service usage, including traffic data, referral data, location data, logs, other communication data and utilized resources (or retrieved information) on our websites and applications, including interactions with any advertisement offerings or links to third-party websites accessed, acquired, or considered, along with related metrics.

Information regarding your computer or other device, including IP address, operating system, device type, device ID, and browser type, used to access or interact with our Services. Other electronic network activity information like browsing history, viewing history, search history, and interactions with our websites or Services, where applicable.

If applicable, we may also utilize these technologies to collect information regarding your online activities across various third-party websites or other online services over time (e.g., behavioral tracking). The information we collect automatically is usually statistical data, but we may maintain it or associate it with Personal Information obtained: (i) Directly from you, or (ii) From third-party collaborators.

We utilize this information to improve our products and services (including the Services) and deliver better, more efficient, and more personalized services to our users over time. Tracking Technologies Utilized: The tracking technologies we employ for this automated data collection may include:

Cookies (or browser cookies): Small files placed on your computer's hard drive. Flash Cookies: Certain features within our Services may utilize locally stored objects (or "flash cookies") to collect and store information regarding your preferences and navigation to, from, and on our Services. Web Beacons: Portions of our Services may contain small electronic files known as web beacons (sometimes referred to as clear gifs, pixel tags, and single-pixel gifs). These allow us to count users who have visited pages, track where they have been referred from, track and report conversions, and generate other website-related statistics (e.g., recording the popularity of specific website content and verifying system and server integrity).

Opting Out of Tracking Technologies: Depending on your location when accessing our Services, you may refuse the use of these technologies by activating the appropriate settings on your browser, or (where applicable) by refusing to consent to the use of these technologies when accessing our Services. Please note that certain features of our Services may no longer be available or may not function as intended if you do not consent to the use of such technologies.

Third-Party Use of Cookies and Tracking Technologies: Some content or applications, including advertisements, made available through our Services are served or provided by third parties, such as advertisers, ad networks, ad servers, content providers, and application providers. These third parties may also use cookies alone or in conjunction with web beacons or other tracking technologies to collect information about you when you use our Services.

The information these third parties collect may be associated with or matched with certain of your Personal Information which they have already collected, or they may collect information in the future, including Personal Information about your online activities over time and across different websites and other online services. They may also utilize this information to provide you with interest-based (e.g., behavioral or retargeted) advertising or other targeted content.

We do not have control over these third-party tracking technologies or how they may be used, during your session or over time. If you have any questions about an advertisement or other targeted content, you should contact the responsible provider directly.

Specific Third-Party Tracking Technologies: Google Analytics: Some of our Services incorporate Google Analytics Advertising Features, including remarketing with Google Analytics, Google Display Network Impression Reporting, DoubleClick Platform integrations, and Google Analytics Demographic and Interest Reporting. For information about Google Analytics and currently available opt-outs, please click https://support.google.com/analytics/answer/4597324?hl=en.

Microsoft Bing: Some of our Services may include advertisements or tracking technologies from Microsoft Bing. To learn more about information collected by Microsoft, please click https://www.quora.com/What-kinds-of-data-does-Bing-collect-and-how-is-it-used and opt-out of Microsoft's personalized advertising services by following the instructions found

How and Why We Use Your Information: We use your personal information only for the reasons explained in this policy (or similar uses that align with the purposes described here). If you don't provide your information or if we can't process it for any reason, we may not be able to offer you all features of our services, or they may be delayed.

For what do we use your Personal Information? Basis for Data Processing: Explicit Consent (when mandated by Governing Legislation): We shall obtain your unequivocal and verifiable authorization for data processing whenever necessitated by applicable laws.

Legitimate Interests: We may also engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. An example of such a legitimate interest is the provisioning of relevant Content to users in order to guarantee User Satisfaction and enhance Return Rates.

Additional Notes: Explicit Consent: This refers to your unambiguous and informed agreement to the processing of your personal information. Governing Legislation: This denotes the relevant laws and regulations pertaining to data privacy and security within your jurisdiction. Legitimate Interests: These are lawful and justifiable business interests pursued by the service provider, provided they do not outweigh the fundamental rights and freedoms of the data subject.

Content: This refers to the information displayed within the service, including text, images, and other media. User Satisfaction: This signifies the degree of contentment and fulfillment experienced by users when interacting with the service. Return Rates: This refers to the percentage of users who return to the service after their initial visit.

1. Interaction Records and User Communications: We shall maintain a record of User Interactions with our service, to the extent that such interactions occur. We reserve the right to furnish you, the user, with Notifications or Service Advisories concerning your Inquiries, User Accounts, or Submissions.

2. Data Subject to Processing: Directly Provided Information: This encompasses any information you consciously disclose to us. Automatically Collected Data: This comprises information amassed through Automated Data Gathering Tools or User Activity Monitoring Tools.

Additional Notes: User Interactions: This refers to any communication or exchange of information between you and the service, such as queries, submissions, or account activity. Notifications: These are electronic messages sent to you regarding your account, service updates, or other relevant information. Service Advisories: These are formal announcements concerning important information about the service, such as maintenance schedules or security updates.

Inquiries: This refers to any questions or requests for information submitted by you. User Accounts: This denotes your individual account within the service. Submissions: This signifies any information or data you provide to the service, such as feedback, reviews, or content uploads.

Automated Data Gathering Tools: These are software programs designed to gather information automatically, such as web analytics tools or cookies. User Activity Monitoring Tools: These are methods employed to track user behavior within the service, such as pixel tags or log files.

Justification for Data Processing: The processing of your personal information may be undertaken based on the following legal justifications, depending on the specific circumstances: Compliance with Legal and Regulatory Obligations: We may process your data to the extent necessary to comply with mandatory laws and regulations imposed by governing authorities.

Legitimate Interests: We may also engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. Examples of such legitimate interests include enabling effective communication with you, facilitating responses to your inquiries, addressing any grievances you may raise, and fostering the relationship we have established with you.

1. Service Updates and User Support: We shall endeavor to furnish you, the user, with Service Change Notifications in the event of any modifications to our services that may have an impact on your user experience. Additionally, we reserve the right to offer Customer Support and address any User Inquiries, as applicable.

2. Data Subject to Processing: Directly Provided Information: This encompasses any information you consciously disclose to us, such as contact details, which may be utilized to facilitate communication regarding service changes or support inquiries.

Additional Notes: Service Change Notifications: These are electronic messages informing you about any modifications to our service that may affect your usage. Customer Support: This refers to the assistance and guidance provided to users in relation to service utilization or troubleshooting.

User Inquiries: This denotes any questions or requests for information submitted by you. Justification for Data Processing: We may engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. Examples of such legitimate interests include: Maintaining User Awareness: We have a legitimate interest in ensuring you, the user, are informed about Material Service Modifications as part of our ongoing relationship with you. This facilitates your continued and informed utilization of the services.

Facilitating Service Access and Quality: We have a legitimate interest in processing your data to the extent necessary to support your Access to and Quality Experience with the services.

Additional Notes: Material Service Modifications: This refers to significant changes to our services that may have a substantial impact on your user experience. Access: This signifies your ability to utilize the functionalities and features offered by the service.

Quality Experience: This denotes the degree of satisfaction and fulfillment you experience when interacting with the service. 1. Delivery of Promotional Materials: We may utilize your personal information to tailor and deliver Promotional Materials within our services.

2. Data Subject to Processing: Automatically Collected Data: This comprises information amassed through Automated Data Gathering Tools or User Activity Monitoring Tools.

Additional Notes: Promotional Materials: This encompasses advertisements or sponsored content displayed within the service. Automated Data Gathering Tools: These are software programs designed to gather information automatically, such as web analytics tools or cookies.

User Activity Monitoring Tools: These are methods employed to track user behavior within the service, such as pixel tags or log files. Justification for Data Processing: The processing of your personal information may be undertaken based on the following legal justifications, depending on the specific circumstances: Explicit Consent (when mandated by Governing Legislation): We shall obtain your unequivocal and verifiable authorization for data processing whenever necessitated by applicable laws.

Legitimate Interests: We may also engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. An example of such a legitimate interest is to enable the continued provision of Free Online Content through our services.

Free Online Content: This signifies access to the service's content offerings without a financial charge. 1. Legal Compliance and Enforcement: We reserve the right to process your personal information to the extent necessary to:

Uphold Legal Rights: Safeguard and enforce our legal rights and interests. Adhere to Governing Laws: Comply with all applicable laws, regulations, and legal mandates imposed by governing authorities.

Prevent Fraud and Criminal Activity: Engage in activities aimed at mitigating fraud, unauthorized access, and other criminal acts. Pursue or Defend Legal Proceedings: Participate in legal actions, either as a plaintiff or defendant, or undertake necessary steps in preparation for potential litigation.

Fulfill Court Orders and Legal Obligations: Abide by court orders, subpoenas, warrants, or other legally binding obligations.

Additional Notes: Governing Laws: This denotes the relevant laws and regulations pertaining to data privacy and security within your jurisdiction. Legal Mandates: These are compulsory requirements imposed by law enforcement agencies or other legal entities.

Legitimate Interests (where applicable): In other instances, we may engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. However, we will only do so when such processing is necessary to: Safeguard Our Business: Protect our ongoing operations, assets, intellectual property, and other business interests from harm.

Uphold Our Interests and Rights: Defend and enforce our legal rights and interests, including contractual rights and intellectual property rights.

Additional Notes: Governing Authorities: This denotes the relevant governmental bodies or regulatory agencies empowered to establish and enforce laws and regulations. Legitimate Interests: These are lawful and justifiable business interests pursued by the service provider, provided they do not outweigh the fundamental rights and freedoms of the data subject.

1. Business Strategy Development: We may utilize your personal information to:

Conduct Service Usage Analysis: Analyze data pertaining to your utilization of our services. This analysis may involve Statistical Methods and Data Aggregation Techniques.

Inform Business Planning: Leverage the insights gleaned from service usage analysis to inform our Strategic Business Decisions, including the design and selection of Future Offerings and the ongoing development, improvement, maintenance, and repair of our existing products and services.

Additional Notes: Statistical Methods: This refers to mathematical techniques employed to analyze and interpret data sets. Data Aggregation Techniques: These are methods used to combine and summarize data from various sources. Strategic Business Decisions: These are high-level choices made by the service provider to achieve its long-term objectives.

Future Offerings: This refers to new products, features, or functionalities planned for development and introduction within the service.

Justification for Data Processing: We may engage in data processing activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. An example of such a legitimate interest is to:

Enhance Service Quality and Effectiveness: Continuously improve the functionalities, features, and overall user experience of our services. This may involve utilizing data to identify areas for improvement, personalize user experiences, and optimize service performance.

Optimize Business Strategy Effectiveness: Leverage data insights to refine and enhance our business strategies, leading to more informed decision-making regarding product development, resource allocation, and marketing efforts.

Additional Notes: Legitimate Interests: These are lawful and justifiable business interests pursued by the service provider, provided they do not outweigh the fundamental rights and freedoms of the data subject.

1. Service Promotion: We may utilize your personal information to engage in Promotional Activities pertaining to our services.

Additional Notes: Promotional Activities: This refers to marketing and advertising efforts aimed at promoting awareness and utilization of our services. Automated Data Gathering Tools: These are software programs designed to gather information automatically, such as web analytics tools or cookies.

User Activity Monitoring Tools: These are methods employed to track user behavior within the service, such as pixel tags or log files.

1. Marketing Communication Consent: Explicit Consent (when mandated): We shall obtain your unequivocal and verifiable authorization (Consent) for the transmission of Promotional Materials whenever necessitated by applicable laws and regulations.

Opt-Out Mechanism: Recipients possess the right to Withdraw Consent and discontinue receiving promotional communications from us at any time. This may be facilitated through readily accessible Opt-Out Mechanisms provided within our services.

2. Legitimate Interests (where applicable): In instances where the procurement of explicit consent is not legally mandated, we may engage in marketing communication activities in furtherance of our legitimate interests, provided such activities comply with applicable legal frameworks. An example of such a legitimate interest is to Promote Our Business by raising awareness and encouraging the utilization of our services.

Additional Notes: Promotional Materials: This encompasses advertisements or sponsored content presented within the service or sent through other communication channels. Opt-Out Mechanisms: These are methods employed within the service, such as unsubscribe buttons or preference settings, that allow recipients to easily withdraw their consent and discontinue receiving marketing communications.

Legitimate Interests: These are lawful and justifiable business interests pursued by the service provider, provided they do not outweigh the fundamental rights and freedoms of the data subject.

1. Enabling Interactive User Engagements: We may utilize your personal information to facilitate your participation in Interactive Service Features, such as User-Generated Content (UGC) Initiatives (e.g., quizzes, polls, or promotions).

2. Data Subject to Processing: Directly Provided Information: This encompasses any information you consciously disclose to us when engaging with interactive features, such as quiz answers, poll selections, or promotional entries.

Automatically Collected Data: This comprises information amassed through Automated Data Gathering Tools or User Activity Monitoring Tools within the context of your participation in interactive features.

Additional Notes: Interactive Service Features: These are functionalities within the service that encourage active user participation and engagement, often involving submission of data or content. User-Generated Content (UGC) Initiatives: This refers to interactive features where users contribute their own content, such as answers, selections, or entries.

Automated Data Gathering Tools: These are software programs designed to gather information automatically, such as web analytics tools or cookies, which may be used to track user interaction with specific interactive features.

User Activity Monitoring Tools: These are methods employed to track user behavior within the service, such as pixel tags or log files, which may be used to assess user engagement with interactive features.

Enhance User Experience and Value: Develop and provide Compelling Features and functionalities that cater to user needs and preferences, thereby promoting User Satisfaction and encouraging continued engagement with our services. This may involve utilizing data to personalize the user experience, identify and address user pain points, and optimize feature effectiveness.

Sustain User Retention: Foster a positive user experience that encourages users to return to and continue utilizing our services. This may involve analyzing user behavior and engagement patterns to identify areas for improvement and implement strategies to enhance user retention.

Compelling Features: These are functionalities or offerings within the service that are deemed attractive, engaging, and valuable to users.

User Satisfaction: This signifies the degree of contentment and fulfillment experienced by users when interacting with the service.

1. Payment Processing (where applicable): We may utilize your personal information to facilitate the processing of Financial Transactions, if such functionalities are offered within our services.

2. Data Subject to Processing: Directly Provided Information: This encompasses any information you consciously disclose to us during the payment process, such as payment card details or billing information.

Additional Notes: Financial Transactions: This refers to the exchange of monetary value in connection with the use of our services, such as subscriptions, purchases, or fees.

Secure Payment Fulfillment: Guarantee the successful completion and Recompense for any Fee-Based Services offered within our service. This may involve processing payment information to ensure proper transaction execution and verification, as well as managing potential disputes or chargebacks.

Fee-Based Services: These are functionalities or offerings within the service that require users to pay a fee for access or usage.

Recompense: This refers to the financial compensation received in exchange for providing the fee-based service.

1. Additional Processing Activities: We reserve the right to engage in additional data processing activities beyond those explicitly outlined herein, provided such activities:

Are Duly Communicated: We shall clearly and comprehensively inform you of the nature and purpose of any additional processing activities Prior to Commencement.

Comply with Legal Frameworks: Such activities shall adhere to all applicable legal and regulatory requirements.

Align with Legitimate Interests: Where applicable, the processing may be justified by our legitimate interests, provided they do not outweigh your fundamental rights and freedoms.

Additional Information Categories: We may process other categories of personal information, the specific nature of which will be explicitly communicated to you in accordance with the aforementioned requirements.

Additional Notes: Prior to Commencement: This refers to the period preceding the initiation of the additional data processing activities.

Legitimate Interests: These are lawful and justifiable business interests pursued by the service provider, provided they do not outweigh the fundamental rights and freedoms of the data subject.

Atlas Debt is a free, no obligation service that connects consumers with our network of debt relief providers. Atlas Debt does not provide debt relief services, broker loans or provide other financial products or services. Atlas Debt does not assume consumer debt, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our debt relief providers will provide a proposal for debt relief services and will likely charge a fee for these services. By submitting your information, you agree to be contacted by our debt relief providers via phone, text messaging and/or email. Providing your information on this web site does not guarantee approval for debt relief services. For debt settlement programs, by law, you may not be charged any fee until a debt settlement is arranged on your behalf, you approve the settlement, and at least one payment is made towards the settlement. Not all consumers are able to complete debt relief programs for various reasons, including their ability to save sufficient funds. Debt relief services could negatively impact your credit and may result in legal action on the part of creditors or collectors for unpaid balances. Read and understand all program materials prior to enrollment, including potential adverse impact of credit rating. Please contact a tax professional to discuss tax consequences of settlement. Debt relief services are not available in all states and fees may vary from state to state.