Privacy Policy

We at Debt Basics have created this Privacy Policy to demonstrate our firm commitment to your privacy. Our Privacy Policy does not apply to web sites maintained by other companies and organizations to which we link or which link to us. Our Privacy Policy will be updated from time-to-time and the most-updated version can always be found at this url.

Debt Basics is not a mortgage lender or broker. The information that you provide to us is not an application for a loan, nor is it used to pre-qualify you for a loan.

Information We Collect and How It's Used

ANONYMOUS INFORMATION

When you visit our site, we collect anonymous information about your browsing. This information may include such things as: IP address of visitors to our Web page, Browser types, Computer Operating Systems, Cookies, and Clear Gifs from emails and ad banners. We also collect aggregate information on what pages visitors access or visit, how long visitors stay on each page, and visitor-specific information on what pages visitors access or visit. We use this information to improve our marketing and promotional activities, to analyze our site usage, and customize our site to better meet the needs of our visitors.

We do not (and can not) use IP addresses, browser types, operating systems, Cookies, or Clear Gifs to retrieve any personal information about you or other computer users from your computer.

PERSONAL INFORMATION

Debt Basics does not collect any personal information about you unless you voluntarily provide it to us. If you do submit personal information to us, Debt Basics may use it fulfill your request or follow-up with you to provide the information that you requested.

Information of a personal nature might include the following: contact name, address, telephone number, email, loan value, etc.

You may provide personal information to us for the following situations (for example):

• To share with brokers or lenders for the purpose of receiving information about a product or service in which you are interested
• To receive information about partnering with us as an affiliate, lender, broker, etc.
• To register to receive communications from Debt Basics and its third party affiliates and partners
• To share your comments or feedback about our web sites
• To ask a question or seek additional information

If you decide to voluntarily provide personal information, we will use it for purposes such as:

• To share with our partners for the purpose of sending you information about a product or service in which you have expressed interest or in which we believe you will be interested
• To receive information about partnering with us as an affiliate, lender, broker, etc.
• To send communications that you have requested from Debt Basics and its third party subsidiaries
• To improve or customize the content and/or layout of our web pages
• To send you related information in which we think you might be interested
• To contact you when necessary

By submitting your personal information to us, you are providing us with your written and signed consent to receive telemarketing calls. You agree that Debt Basics has obtained your consent to receive a prerecorded message sales call in a manner permitted by the Electronic Signatures In Global and National Commerce Act (E-SIGN Act).

Information Sharing and Disclosure

We might share your Personal Information with selected third parties in response to your request. We may share your Personal Information with selected third parties to offer you products or services in which we think you will be interested. We may disclose it in compliance with applicable laws and/or if we are responding to subpoenas, court orders, or other legal processes.

We will only share your personally identifiable information to other companies or people when you have consented to share your Personal Information with us. To process your Lender referral request, we (and our third party partners and affiliates) require your name, phone number, email address, loan balance(s) (if any), and estimated financial information such as debts, salary, credit, etc. In select cases, a social security number may be requested for particular partners.

From time to time, we make the email addresses of those who volunteer their email addresses to us available to other reputable organizations whose products or services we think you might find interesting. If you supply us with your postal address online, you may receive periodic mailings from us with information on new products and services or upcoming events. Also, you may receive mailings from other reputable companies. If you do not want us to share your email address or postal address with other companies or organizations, please let us know by following one of the options described in the Opt-Out section below.

THIRD-PARTY ADVERTISING

Third-party advertising companies may serve ads on our website. These third-party advertising companies employ Cookies and/or Clear Gifs to measure and improve the effectiveness of ads for their clients. To do so, these companies may use anonymous information about your visits to our website and other websites. This information can include: date/time of banner ad shown, the banner ad that was shown, Cookies, and the IP address. This information can also be used for online preference marketing purposes. Clear Gifs, Cookies, and the IP address are not tied to users' personally identifiable information.

ANTI-SPAM POLICY

Spam is commercial email or unsolicited bulk email which has not been requested by the recipient. You will not receive Debt Basics email communications unless you submit your email address and register to receive these communications. You may receive third-party emails advertising products and services from our partners and affiliates. If you submit your email (or other Personal Information) to websites to which we are linked or which are linked to us, we are not responsible for their practices. Although we encourage third-parties to abide by Can-SPAM laws, we cannot enforce or change their actions. If you wish to remove your contact information from the third-party, please follow their opt-out instructions.

Opt-out

Debt Basics provides visitors the opportunity to opt-out of receiving communications from us, our partners, or third parties at the point when you submit Personal Information to us. If you have given us permission and wish to remove yourself from such communications, please send us an email or go to Contact Us and choose the "Opt-out" option from the drop-down menu.

Data Security

We believe that your personal information should remain just that, Personal Information, by providing secure transmission and storing of your information. We use industry-standard encryption technologies when transferring and receiving consumer data exchanged with our website and web server.

Changes to the Privacy Policy

Debt Basics may amend this policy from time to time and we may use visitor information for new, unanticipated uses not previously disclosed in this privacy policy statement. If our Privacy Policy changes at some time in the future, we will post the changes prominently to our website at this url to notify you of these changes and provide you with the ability to opt-out of these new uses. If you are concerned about how your information is used, you should check back to this page periodically.

California Residents' Privacy Rights

Companies that collect personally identifiable information ("PII") from California residents and disclose such information to Third Parties (including affiliated entities) for marketing purposes must, in response to a request by a consumer, either (1) provide a list detailing the categories of information shared and the entities to which such information was provided, or (2) provide a mechanism by which a consumer may opt-out of having their information shared with Third Parties. We have elected the second option and you may request that your PII not be shared with Third Parties by sending your request, including your full name, email address and postal address to: Bay Area Cash Advantage, 60 29th Street #110, San Francisco, CA 94110. In accordance with California Civil Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints with California Department of Consumer Affairs, 400 R Street, Suite 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

Contact Us

This site is owned and operated by Bay Area Cash Advantage. If you have any questions about this privacy policy, the practices of our website, or your dealings with our website, you can send us an email or go to the Contact Us page on our website.

Last Updated: April 26, 2010