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Privacy Policy

The privacy practices of this statement apply to our services available under the domain and sub-domains of www.EnlightenedDebt.com. By visiting our Web sites you agree to be bound by the terms and conditions of this Privacy Policy. If you do not agree please do not use or access our services.

A special note about children

Children are not eligible to use our services and we ask that minors under the age of 18 do not submit any personal information to us.

Although this Policy may seem long, we have prepared a detailed Policy because we believe you should know as much as possible about Enlightened Debt practices so that you can make an informed decision.

Enlightened Debt Promise

Information is the cornerstone of our ability to provide superior service. Our most important asset is our clients' trust. Keeping client information secure is a top priority for all of us at Enlightened Debt. This is our promise to you:

We will safeguard, according to strict standards of security and confidentiality, any information our clients share with us. In the event that our services do not meet your needs we hold the option to provide your information to a third party company that may have the services necessary to meet your needs.

Information We Collect:

Our Web site uses an input form for clients and potential clients to request information about our services. To make a request, individuals are required to provide their contact information and personal information about their finances (“Personal Information”).

Any information that you send to us may be collected and maintained in a file specific to you.

How We Use Your Information:

The individual’s Personal Information is used for the purposes of offering debt relief services and is used to get in touch with the client, when necessary. The client may be contacted via telephone, U.S. Mail, or e-mail in the future to notify the client of new services that we think they may be interested in.

Demographic and profile data is collected at our site. We use this data to tailor our visitor’s experience at our site showing them content that we think they might be interested in and displaying the content according to their preferences.

Opt Out:

Our clients have the opportunity to opt out receiving further email communications from us at any time by simply clicking the "unsubscribe" link at the bottom of the email you receive from us. We cannot be responsible for emails sent to you from 3rd parties.

Our Disclosure of Your Information:

We agree to be bound by all principles of confidentiality as required by law. However, due to the existing regulatory environment, we cannot ensure that all of your private communications and Personal Information will never be disclosed in ways not otherwise described in this Privacy Policy. By way of example (without limiting the foregoing), we may be forced to disclose information to the government or third parties under certain circumstances, or third parties may unlawfully intercept or access transmissions or private communications. We can (and you authorize us to) disclose any information about you to law enforcement or other government officials as we, in our sole discretion, believe necessary or appropriate, in connection with an investigation of fraud, intellectual property infringements, or other activity that is illegal or may expose us to legal liability.

Therefore, although we use industry standard practices to protect your privacy, we do not promise, and you should not expect, that your Personal Information or private communications will remain private.

Security:

This site has security measures in place to protect the loss, misuse and alteration of the information under our control. Enlightened Debt.com. uses industry standard efforts to safeguard the confidentiality of your personal identifiable information. However, "perfect security" does not exist on the Internet.

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By completing a form on this website you are requesting a service contact you in most cases by telephone regardless of your status on the do not call list (DNC). Forms on this website are provided to the consumer to be used to request information, these forms are never an application or a pre-qualification for services. The consumer will only be entered into a program AFTER they have received a complete consultation and have signed an official agreement.

Enlightened Debt and its affiliates are not advocating that you stop paying your creditors to force them into settlements. Furthermore, we do not encourage you to default on any contracts that you have with your creditors. When a payment to a creditor is missed or is late, there can be negative consequences to your credit score. The debt negotiation process should only be used in the event of legitimate financial hardship. If you have sufficient income to reduce your debt load the ordinary way (by reducing the balances with payments in excess of the minimums), then you should definitely do so. The negotiation process works best in the event of LEGITIMATE FINANCIAL HARDSHIP. Although we believe all of the information found on this website to be accurate, it is for demonstration purposes only and should not be construed as legal advice. If you have legal or tax questions you should consult a professional in the appropriate field.

* Debt reduction amounts used on this website of 60% are an example of some of the higher debt reductions possible. Your debt reductions could be higher or lower. The debt negotiation industry averages approximately a 50% debt reduction, plus fees for their service.

** Using the debt negotiation process does not guarantee that you will not have to file for bankruptcy in the future. If you have questions about filing for bankruptcy, please consult an attorney.