This Privacy Policy (hereinafter referred to as the “Privacy Policy”) applies to the online interface www.DecreaseMyPayments.com (hereinafter referred to as the “Site”), owned and operated by Decrease My Payments, LLC (“DMP”). The terms “we,” “us,” or “our” in this Privacy Policy refer to affiliates or subsidiaries of DMP that link to this Privacy Policy. This Privacy Policy describes how we may collect, use, and share information from or about you and explains how information may be collected and used for advertising purposes. Our Privacy Policy is designed to help you understand our online information security practices. For additional details, please review our Terms of Service.

Agreement to this Policy:
By using this Site, you consent to this Privacy Policy, including your consent to our use and disclosure of information about you as described herein.

Our Commitment To Privacy
We value your privacy. To better protect your privacy, we explain our online information practices and the choices you can make about the way your information is collected and used. Privacy information is accessible on our homepage and on pages throughout our Site.

What Does This Privacy Policy Cover?
This Privacy Policy covers what we do with any personal information you may submit or authorize us to obtain, as well as any other information that we may gather during the course of business and/or when you access our Site. This Privacy Policy also covers any of your personal and other information that any of our business partners may share with us, as well as what we may share with third parties.

DMP owns and operates the Site, as well as a number of other websites and/or domains that may point to one or another of our Sites. From time to time, we may add additional websites and/or domains to our portfolio. Regardless of whether a particular site is specifically identified in this Privacy Policy, this Privacy Policy applies to any Site owned and/or operated by DMP. For more information about our family of companies, please contact us at the email or mailing address below.

Please note that our policies and procedures apply only to Sites owned and/or operated by us and not to websites maintained by other companies or to any website to which we may link or to unrelated businesses with which we may share information.

Contact Information:

If by e-mail: [email protected]

If in writing:

Decrease My Payments LLC
4533 MacArthur Blvd
Newport Beach, CA 92660

The Information We Collect on Our Site and Its Uses:
This Privacy Policy applies to all information collected or submitted on the DMP Site. On some pages, you may make requests and register to receive materials. The types of personal information collected on these pages include your name, address, email address, state of residence, phone number, amount of unsecured debt, your IP address, your website interaction on the site, and how you heard about us. We may use the information we collect about you in order to, but not limited to:

• Understand your interest in the products or services offered by us and/or our affiliates and provide you with relevant information.
• Assist consumers seeking debt consolidation options.
• Establish customer files and accounts.
• Provide customer service.
• Enhance and improve our products or services.
• Offer opportunities for our affiliates and other companies to inform you about products or services that may interest you.
• Share aggregated statistical data with our business partners for public relations purposes (e.g., informing advertisers about the number of individuals who visited specific areas on our Site).
  
  

Apart from the mentioned ways, we may use your personally identifiable information for various purposes, including sending you promotional materials and sharing your information with third parties for sending promotional materials related to our Sites, products, or services. However, you have the option to “opt-out” of certain uses of your personal information.

DISCLOSURE OF INFORMATION TO THIRD PARTIES
We may disclose your personally identifiable information to third parties in order to fulfill any transaction you have requested from us or as necessary to fulfill our contractual obligations. We may also reserve the right to sell, rent, or transfer your personal information to third parties for various purposes, as permitted by law. Additionally, we may share your personally identifiable information with affiliated companies controlled by or under common control of DMP, as well as non-affiliated companies not controlled by us. The personal information collected on this Site and by third parties may be used to operate the Site, provide requested services or products, or carry out authorized transactions. We may also use your personal information for promotional purposes through various channels, including email, telephone, direct mail, banner advertising, and more. However, you have the option to opt-out of having your personal information shared with third parties not acting as our agents or service providers.

Cookies
A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We utilize cookies on this Site. The information stored in cookies is not linked to any personally identifiable information you submit while on our site. We use session ID cookies to enhance your site navigation and experience. You can still use our site even if you reject cookies, but some areas may have limited functionality. Please note that some of our business partners, such as advertisers, may use cookies on our site, over which we have no control.

Clear GIFs (Web Beacons/Web Bugs)
We employ clear GIFs (a.k.a. Web Beacons/Web Bugs), a software technology that helps us manage content on our site and gather information about the effectiveness of content. Clear GIFs are tiny, invisible graphics used for tracking online movements, but they do not store personally identifiable information. Unlike cookies, clear GIFs do not reside on your computer’s hard drive.

Our Commitment To Children’s Privacy
Our Site is not directed to individuals under the age of thirteen (13), and we do not knowingly collect information from children under 13 without parental consent. If you believe that we have received information from a child or person not of majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” section below, and we will take all reasonable efforts to remove the information.

Our Commitment To Data Security
To safeguard and secure the information we collect online, we have implemented appropriate physical, electronic, and managerial procedures. These measures aim to prevent unauthorized access, maintain data accuracy, and ensure the proper use of information.

Do You Use My Personal Information to Contact Me Without Permission?
This Privacy Policy also constitutes the DMP Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and is pursuant to state law. When you communicate with us by telephone, your conversation may be monitored or recorded. We maintain an internal Do Not Call preference list, and requests to be added to this list will be honored within 30 days, effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers on the Do Not Call list.

We have a strict “anti-spam” policy for ourselves, our business partners, and vendors. You will not receive DMP emails unless you submit your email address to us or register on our Site to receive communications. You may also choose to unsubscribe from our newsletter at any time by using the “unsubscribe” link provided in each email. We do not knowingly email or send text messages to anyone with whom we have no business relationship. If you receive an unsolicited email from us or purporting to be from us, please contact us at the email or mailing address below.

Consumer Privacy Notice
This Online Privacy Notice is provided to make you aware of how we collect, use, and manage information of visitors to our Internet websites (our “Sites”). We, our, and us means Decrease My Payments, LLC, as well as its subsidiaries and affiliates. This Privacy Notice applies to our Sites that link to this Privacy Notice but does not apply to those Sites that have their privacy statements. We encourage you to review the privacy statements of any third-party sites you may link to or from our Sites so that you understand how those sites collect, use, and share your information. This Notice also applies to former customers. This Notice describes our privacy practices concerning information collected from visitors to our Sites, including information gathered on our Sites as well as offline.

Our Business and Sites are Not Directed to Individuals Under 18
Our business and the Sites are not directed to individuals under the age of 18, and we request that these individuals do not provide personal information to us.

California Privacy Rights
California Civil Code Section 1798.83 permits California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us via email or postal mail.

Our Commitment To Privacy
To make sure your personal information is secure; we communicate our privacy and security guidelines to all employees. DMP is aware of the sensitivity of your personal information and has taken measures to ensure your privacy. We hold our employees accountable for upholding our privacy standards.

Notice to Vermont Residents
In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, unless the law allows. For example, we may share information with companies that perform services on our behalf, to the extent permitted by applicable law. We will not share information about your creditworthiness within our corporate family except with your authorization or consent, but we may share information about our transactions or experiences with you within our corporate family without your consent.

Confidentiality and Security
We restrict access to personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect your personal information. However, we cannot guarantee the security of your personal information.

Business Transitions
In the event of a business transition, such as a merger, acquisition, or sale of assets, your personally identifiable information may be among the assets transferred. We will notify you of such changes through email and/or a prominent notice on our Website for 30 days.

California Do Not Track Disclosures
As of now, we do not respond to “Do Not Track” signals in web browsers because we do not track individual users across the web.

Notice to California Residents
In compliance with California law, we treat individuals with California addresses or telephone numbers as if they requested us not to share their information with non-affiliated third parties except as permitted by applicable California law.

Notice to Vermont Residents
In accordance with Vermont regulations, we treat accounts with Vermont billing addresses as if they requested us not to share their information with non-affiliated third parties. If we disclose information to non-affiliated third parties with whom we have joint marketing agreements, we will only disclose limited information as required by Vermont privacy laws.

Notice to Nevada Residents
We are providing this notice in accordance with Nevada law. You can be placed on our internal Do Not Call List by contacting us directly and making such a request in writing to [email protected]. Nevada law also requires us to provide you with contact information for the Bureau of Consumer Protection, Office of the Nevada Attorney General.

Notice to Users Outside of the United States
This Privacy Policy is intended to cover the collection of information on our Site from residents of the United States. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. The data protection and privacy laws in the United States and other countries may not be as comprehensive as those in your country. By using our services, you understand and consent to the transfer of your information to our facilities and those third parties with whom we share it as described in this Notice.

Testimonials
If you submit a testimonial to us, we will seek your permission to post it before any public use. We will post your name as provided in your testimonial and may include a photo as well. Please note that any personally identifiable information you include in a testimonial may be read, collected, or used by the general public and could result in unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you submit. If you wish to remove your testimonial, please contact us via email or postal mail.

Your California Privacy Rights
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) with respect to your personal information. These rights include the right to know, delete, opt-out of the sale of your personal information, request data portability, and protection from discrimination for exercising these rights. You may also authorize someone to exercise these rights on your behalf. Please note that these rights are subject to verification and exceptions under applicable laws. To exercise these rights or for more information, please use the provided contact information below.

Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time without compromising your privacy. All changes will be posted to this Privacy Policy page. We encourage you to check our site frequently to stay informed about our privacy practices.

Contact Information:

Should you have any questions or concerns about our privacy policies, please reach out to us:

CCPA Request Form
800-368-9038
[email protected]