Welcome to Debt Free & Prosperous Living's® ("DFPL") DebtFREE.com Web site
("Web Site"). Please carefully read our privacy policy to understand how we
will treat the information you provide while visiting this web site. This
policy may change from time to time. Please check this policy each time you use
our Web Site for the most current information This policy explains our
collection, use, retention an security of consumer information and applies to
DFPL products and services offered within the United States.
Collection and Use of Information
Internet Information - When you visit this Web Site, we may collect
general Internet data, including your domain name (e.g. AOL, Comcast, etc.),
the web page from which you entered our site, which of our web pages you
visited, and how long you spend on each page. To collect this information, when
you visit our Web Site, a "cookie" may be set on your computer. Cookies contain
a small amount of information that allows our web servers to recognize you
whenever you visit. We use the information we collect to study how this Web
Site is used, so that we may improve and enhance your experience on our Web
Site. We do not provide this information to outside parties other than for such
reasons. No personal information is stored in cookies.
Information You Provide - When you provide information through this Web
Site, we may use it for various reasons, such as market research, our
educational tools, and other businesses. Based on the nature of your
transaction with us, you may provide to us certain personally identifiable
consumer information, such as first and last name; home address, billing
address, or other physical address; an email address (so we may contact you); a
telephone number; a social security number; or certain other information, such
as date of birth, employment information, and certain credit card and loan
account information (collectively, "Personally Identifiable Consumer
Information"). In general, we will use the information collected from you for
the purpose for which you provided such information. We will not release your
Personally Identifiable Consumer Information to third parties except: (1) as
necessary for us to process your transaction; (2) with your consent; or (3) as
permitted by law. These third parties are not allowed to use Personally
Identifiable Consumer Information except for the purpose of providing these
services. In addition, in connection with providing services to you, we may
also share your Personally Identifiable Consumer Information with our
affiliates. Although we may analyze and aggregate your nonpublic personal
information internally for the purposes of compiling statistics, evaluating
trends in the marketplace, and evaluating the overall effectiveness of our
services, no nonpublic personal information will be shared with third parties,
except as provided herein, or used in any promotional materials.
Upon "Registering" an account for the purposes of conducting your own personal Cash-FLOW Analysis™ , we will maintain any data you enter. However, if there is no activity on any "Registered" account for 90 calendar days, that account, and any data therein, will be purged from the DebtFREE.com system Cash-FLOW Analysis™ System.
Should you choose to "Activate" a DebtFREE.com monthly subscription, all data
contained within that record will be maintained by DebtFREE.com on your behalf
so long as your subscription remains active. Upon cancellation of your
DebtFREE.com monthly subscription, any/all data will be purged from the
DebtFREE.com monthly subscription system no later than 14 business days after
the cancellation is received by DebtFREE.com.
Market Research - Your participation in market research activities is
optional. Should you choose to participate, we may use information you provide
to improve your experience with our products and services. We may engage third
parties to assist us with our market research efforts who may retain
non-personalized aggregated information. However, all Personally Identifiable
Consumer Information you provide will only be used for our research purposes.
We may disclose all of the personal information we collect about users of this
Web Site as described above to companies that perform services and functions,
including marketing services, on our behalf, such as communications management
firms or call centers.
Communications from our Web Site
We may send users of our Web Site information on products, services and special
deals. If you do not wish to receive this marketing you opt-out by emailing us
at support@debtfree.com and giving us your name and email address. Sometimes we
will send service and confirmation announcements. You may not opt-out of these
announcements. Further, for our current customers who have completed
registrations processes, our Web Site verifies online users by collecting
Personally Identifiable Consumer Information prior to allowing access to
certain potions of our Web Site.
Promotional Uses
We may disclose only your name, address, and telephone number to companies that
perform marketing services on our behalf or to other financial institutions
with whom we have joint marketing agreements. If you prefer that we not
disclose this information about you to such parties, you may opt out of those
disclosures, that is, you may direct us not to make those disclosures (other
than disclosures permitted by law). If you wish to opt out of disclosures to
nonaffiliated third parties, please contact one of our technical support
specialists at 608-326-1900 who will be able to assist you.
Security Measures
Safeguarding our clients' nonpublic personal information is a primary concern
of DebtFREE.com, and we have taken a number of steps to ensure that your
nonpublic personal information is secure. First, all areas of our site that
collect sensitive information utilize encryption to protect your data. This
system ensures that your data is going to our servers, and ONLY our servers, by
encrypting all network traffic between machines.
Participation in Online Services
In the event a user of our Web Site chooses to use or purchase a service
available online, this privacy statement is incorporated by reference into and
subject to the terms and conditions of the service's terms of use, if any, and
the terms of use constitutes the entire agreement between DFPL and the user.
This privacy statement is not a substitute for the terms of use and should in
no way be confused with the terms of use. Information that is shared with third
parties is subject to the terms of use.
Other Web Sites
Our Web Site may contain links to other web sites not owned or operated by us
(for example, if you "click" on a service provider link, you may be taken off
our Web Site). We will try to make it obvious to you when you leave our Web
Site and enter these web sites. We are not responsible for the privacy
practices of other web sites, and you should read the privacy policies or
statements of other web sites. This privacy policy applies only to personal
information collected by the Web Site.
Mergers, etc.
If we merge or sell our assets, your information may be transferred. If, as a
result of the transfer, your information will be used in a manner substantially
different from that stated at the time of collection, you will be given notice.
Amendment Policy
DFPL reserves the right to change this privacy statement in its sole and
absolute discretion. Any changes to this Privacy Statement will apply only to
that nonpublic personal information collected from you after the date of
implementation.
Questions Regarding Privacy
If you have any questions regarding this Privacy Statement or the Web Site,
please write or call:
Privacy Department
DebtFREE.com
700 East Blackhawk Avenue
Suite 20
Prairie du Chien, WI 53821