Privacy Policy

This privacy policy (”Privacy Policy”) is owned and operated by Better Affiliates (“BA”), Better Debt Solutions LLC (“BDS”), Better Tax Relief LLC (“BTR”), and Lendvia LLC (“LV”).

In this Privacy Policy, BA, BDS, BTR, and LV are individually referred to as a “Company,” and collectively, as the “Companies”).

This Privacy Policy outlines how we may gather information from or about you, how we may use that information, how we could share it with others, and how information might be gathered and used for advertising. You can better understand our online information security procedures by reading this Privacy Policy. Please see our Terms of Service for more information.

Acceptance of the Privacy Policy:

By using this website, you agree to our Privacy Policy, as well as the way in which we may use and disclose information about you.

The Privacy Commitment We Make

Your privacy is important to us. 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. We make privacy information available on our homepage and on pages throughout our Company websites (each a “Site,” and collectively, “Sites”).

What Is Covered by This Privacy Policy?

This Privacy Policy explains how we handle any personal information you provide us or grant us permission to receive, as well as any other data we may compile while we do our business and/or when you visit one of our Sites. This Privacy Policy also applies to any personal information you provide to us or that any of our business partners discloses to us or that we disclose to third parties.

The Companies own and manage a number of websites, in addition to other websites and/or domains that link to one or more of our websites. We might occasionally add new domains and/or websites to our portfolio. This Privacy Policy is applicable to all Sites owned and/or run by the Companies, whether or not a specific Site is mentioned by name. You can reach us at the email or mailing address shown below for additional information about our family of businesses.

Please be aware that our rules and procedures only apply to the Sites that we own, own, or control; they do not apply to websites that are maintained by other businesses, websites to which we may link, or websites that are part of other industries with whom we may share information.

If by e-mail: [email protected]

If in writing:

Better Affiliates
2525 Main St. Suite 500
Irvine, CA 92614

The Data We Gather on Our Site and How We Use It:

All information gathered or provided on a Site is subject to the terms of this Privacy Policy. You may register to receive materials and submit requests on various Sites. Your name, address, email address, state of residence, phone number, total amount of unsecured debt, IP address, website activity on the site, and how you learned about us are the sorts of personal information gathered at these Sites. We could use the data we have collected from you in order to:

• find out more about your interest in the goods or services that we or our affiliates
  supply, and notify you of that
• engage consumers who desire debt relief services, tax relief services, or
  consumer loan services
• access consumer records and create their accounts
• offer client support
• discover ways to enhance our offerings
• give chances for our affiliates and other businesses to let you know about the
  goods or services they provide that could interest you
• share statistical data that has been compiled with our commercial partners or for
  public relations (For example, we may tell an advertiser that X number of
  individuals visited a certain area on our Site, or that Y number of men and Z
  number of women filled out our registration form, but we would not disclose
  anything that could be used to identify those individuals.)

In addition to the uses listed above, we may use your personally identifiable information in a variety of additional ways, such as sending you promotional materials and disclosing your information to third parties so they may do the same. (By “promotional materials,” we mean messages that specifically encourage users to visit websites or buy goods or services.) You may “opt-out” of having your personal information used in specific ways, though.

INFORMATION DISCLOSURE TO THIRD PARTIES

In order to effect or carry out any transaction you have requested from us, or as necessary to meet our contractual duties with you, we may disclose a consumer’s personally identifiable information. We retain the right to sell, rent, or transfer your personal information to other parties for any reason as authorized by law.

Your personally identifiable information could be shared with connected businesses that a Company directly or indirectly controls or that are under its common control. We may disclose personally identifiable information about you to other businesses that are not directly or indirectly under common ownership with, or controlled by a Company in any way. The personal data gathered on our websites and by third parties will be used to run the websites, deliver the services or goods you have requested, or complete the transactions you have authorized. Your personal information may change or be used in new ways at any moment. We could employ your personal data for purposes like email marketing, telephone marketing, direct mail marketing, banner advertising, and other potential uses to make promotional offers to people.

Please contact our customer service department to proactively opt-out of having your personal information shared by sending an email to [email protected] if you do not want your personal information to be collected by any third party who is not our agent or service provider.

Cookies

A cookie is a short text file that is kept as a record on a user’s computer. On this website, cookies are used. The data we save in cookies is not connected to any personally identifiable data you provide to us while using our website.

We employ cookies with session IDs. To make it simpler for you to navigate our Site, we employ session cookies. As soon as your browser is closed, a session ID cookie expires. In order to save you from having to enter your password many times, we can establish a persistent cookie at your request. In order to improve the user experience on our site, we can track and target the interests of our users thanks to persistent cookies.

You may still use our Site if you refuse cookies, but certain features, including competitions and surveys, may not work as well for you. On our website, some of our business partners—like advertisers—use cookies. These cookies are not under our control or access.

This Privacy Policy only applies to our cookies; it does not apply to cookie usage by any advertising.

(Web Beacons/Web Bugs) Clear GIFS

We use a piece of software called clear gifs, sometimes known as web beacons or web bugs, to better manage the content on our site by letting us know what material is working. Clear gifs, which are small visuals with a distinctive identifier and serve a purpose similar to that of cookies, are used to track how people use the Internet. Clear gifs, which are roughly the size of the period at the end of this line, are invisible Web page elements as opposed to cookies, which are saved on a user’s computer hard drive. We don’t link the data amassed by clear gifs to the personally identifiable information of our clients.

Concern For Children's Privacy

Individuals under the age of thirteen (13), to whom the Site is not aimed, are asked not to submit any personal information through the Site. Without parental permission, we never intentionally collect information from children under the age of 13. Find out more about the Children’s Online Privacy Protection Act by visiting the website of the Federal Trade Commission (COPPA). Please contact us at the email or postal address provided in the “Contact Us” section below if you believe that we have collected information from a child or another person who is under the legal age of majority in their relevant jurisdiction. We will use all commercially reasonable efforts to have the information deleted.

Our Promise To Protect Data

We have put in place suitable physical, technological, and management systems to protect and secure the information we collect online in order to prevent unauthorized access, preserve data accuracy, and guarantee proper use of information.

Do You Contact Me Without My Permission Using My Personal Information?

In accordance with state law, this Privacy Policy serves as the our Do Not Call Policy for all customers under the Telephone Consumer Protection Act. We reserve the right to listen in on or record any telephone conversations you have with us. We keep a record of internal Do Not Call requests. Requests for “Do Not Call” status will be complied with within 30 days and remain in effect for at least five years. Residential or mobile phones that are on the Do Not Call list will not receive telemarketing calls.

For both itself and its clients, vendors, and business partners, each Company maintains a stringent “anti-spam” policy. Unless you provide us with your email address or subscribe on one of our sites to receive communications, like our newsletter, you will not receive Company emails.

You can ask us not to contact you at your phone number, email address, or postal mailing address. Please be aware that even if you choose not to receive marketing offers by phone, mail, or email, we may still need to get in touch with you to handle account-related issues and for other non-marketing reasons. Additionally, we could keep sending you marketing materials in the form of online and electronic communications as well as standard account mailings and statements.

You can ask us not to contact you at your phone number, email address, or postal mailing address. Please be aware that even if you choose not to receive marketing offers by phone, mail, or email, we may still need to get in touch with you to handle account-related issues and for other nonmarketing reasons. Additionally, we could keep sending you marketing materials in the form of online and electronic communications as well as standard account mailings and statements.

Personal Identification Numbers

When we acquire your Social Security number, our Privacy Policy (1) safeguards the privacy of Social Security numbers, (2) forbids their unauthorized disclosure, and (3) places restrictions on who can access them.

Transitions in Business

Your personally identifiable information may be transferred in the event that a Company goes through a business transition, such as a merger, acquisition by another firm, or sale of all or a portion of its assets. Any such change in ownership or management of your personal information may, in our sole discretion, be communicated to you through email and/or a clear notice posted on our website for 30 days.

Do Not Track Disclosures in California

How do we respond to “do not track” signals from Web browsers or other systems that give users the power to choose whether or not their personally identifiable information about their online activities across different third-party websites or online services is collected?

Because we do not presently follow specific individuals throughout the web, we do not currently respond to DNT signals in browsers.

When users visit our Sites, third parties may collect personally identifiable information about those users’ online activities over time and across several Sites.

California Residents Please Read

In accordance with a California law, when individuals with California addresses or phone numbers are disclosed to us, we will automatically treat them as if they had requested that we not share their information with non-affiliated third parties unless specifically

allowed by the relevant California law. In order to abide by the California privacy regulations that are relevant to us, we shall also restrict the sharing of information about you with our affiliates.

Vermont Residents Please Read

We automatically consider accounts with Vermont billing addresses as if you asked that we restrict the information we share with our affiliates and that we limit the information we share with nonaffiliated third parties. Only your name, address, other contact information, and details of our interactions and experiences with you will be shared with non-affiliated third parties with whom we have joint marketing agreements.

Residents of Nevada Please Read

This notification is being sent to you in accordance with state legislation. You can ask to be included on our internal “Do Not Call” list by contacting us directly and stating your request in writing at [email protected]. Nevada law mandates that we additionally give you our contact details, which are as follows: Bureau of Consumer Protection, Office of the Nevada Attorney General, 2525 Main St. Suite 500, Irvine, CA 92614 Phone number: (866) 212-4229; e-mail: [email protected].

Users Outside of the United States Are Notified

This Privacy Policy is meant to address the gathering of data from US citizens via our websites. Please be advised that your information is transmitted to, stored, and processed in the United States, where our servers are located and where our central database is run, if you are using our Sites from outside the country. The rules and regulations governing data protection in the US and other nations might not be as thorough as those in your country. By utilizing our services, you agree that we may move your information to our facilities and to the third parties we share it with in accordance with this Notice.

Testimonials

The information gathered from US citizens on our websites is covered by this Privacy Policy. Please be aware that if you access our Sites from outside the United States, your information will be sent to, kept, and processed there since that is where our servers are located and where our central database is managed. It’s possible that other nations’ and the United States’ rules governing data protection are less thorough than those in your own. You acknowledge that by using our services, your information may be transmitted to our facilities and any third parties with whom we share it in accordance with this Notice.

Your Californian Rights to Privacy

This section applies to any California residents for whom we have obtained personal data from any source, including your use of our website(s), your purchase of our goods or services, or your interaction with us through email, postal mail, telephone, or in person.

The California Consumer Privacy Act (“CCPA”) may not apply to all of the personal information about you that we handle, and it may apply to some of the personal information that we process about you.

For the purposes of this section, “personal information” refers to data that may reasonably be used to directly or indirectly identify, characterize, relate to, or link a specific California consumer, resident, or household. Publicly accessible data and deidentified information are not considered to constitute personal information. Without respect to information that is excluded from disclosure under other laws, such as the Gramm-Leach-Bliley Act (“GLBA”), we have included all data gathered in our descriptions. We do not plan to forgo any preemption claims under the GLBA or other comparable rules by doing this, though.

Information That We Gather

Personal information does not include:

• Publicly available information from government records
• De-identified or aggregated consumer information
• Information excluded from the CCPA’s scope, like:
  • health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
  • personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

The sources from which we get the various types of personal data indicated above are as follows:

• straight from our clients or their representatives. For instance, from the documents that our clients give us in relation to the services they hire us for.
• through our clients’ or their agents’ representatives. For instance, through the data we gather from our clients as we deliver services to them.
• both directly and indirectly from website activities. For instance, data automatically acquired about website usage or submissions made through our internet gateway
• from other parties who communicate with us regarding the services we provide. For instance, from affiliate marketers that run advertisements and provide us activity or from credit reporting organizations (or “CRA”).
• details that are readily available to the public somewhere, whether online or off
• both employees and job seekers

Use of Personal Information

The sources stated below are where we get the various types of personal data
mentioned above:

• to achieve or satisfy the purpose for which the information is being given. For instance, if you give us personal data so we can help you with debt settlement, tax relief, or consumer loan services
• to fulfill your requests for information, goods, or services from us
• to send you newsletters, email alerts, and other announcements about our services, products, upcoming events, and news that may be of interest to you
• to fulfill our commitments and uphold our rights under any contracts we may
  have with you, including payment and collection responsibilities
• if we are unable to help you for any reason, including but not limited to, our incapacity to operate in the state of your request or your lack of qualified debt, we will work with you to find relevant options
• to deliver qualifying leads to a third party so they may manage a program
• to make our website better and to show you its contents
• for experimentation, study, evaluation, and product creation
• to conduct accounting, financial reporting, and other aspects of ordinary company administration
• to do financial reporting, accounting, and other aspects of ordinary company administration
• to assess third party vendors and services providers
• as required or suitable to safeguard the safety of ourselves, our clients, or other
  parties
• in accordance with any relevant law, court order, or governmental regulations, and to answer inquiries from law authorities
• to assess or carry out a merger, divestiture, restructuring, reorganization, dissolution, sale or transfer of all or a portion of our assets, whether as a going concern or in the course of a bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the transferred assets

Sharing of Personal Data

We could provide your personal data to a third party for commercial purposes. When we give out personal information for business purposes, we enter into a contract with the receiver that specifies the purpose and obligates them to keep the information private and to use it only to carry out their obligations under the contract.

The following types of personal data were provided by us for commercial purposes throughout the course of the last 12 months:

Category A: Identifiers.
Category B: California Customer Records personal information categories.
Category C: Protected classification characteristics under California or federal law.
Category D: Commercial information
Category E: Biometric data
Category F: Internet or other similar network activity.
Category I: Professional or employment-related information.
Category K: Inferences drawn from other personal information

We provide the following types of third parties access to your personal data for business purposes:

• our partners.
• service companies.
• third parties that we are permitted to share your personal information to in connection with the goods or services we offer to you by you or your representatives.

Additionally, we reserve the right to provide your personal data to a third party for commercial use. We have a compensatory relationship with the recipient when we disclose personal information for a commercial purpose, which may include giving your information to a provider who can help you. This relationship requires the recipient to adhere to data privacy laws and not use the information for any other reason than what is stated.

The following types of personal data were provided by us for commercial purposes throughout the course of the last 12 months:

Category A: Identifiers.
Category B: types of personal information in California Customer Records.
Category D: Commercial information

We provide the following types of third parties access to your personal data for commercial purposes:

• Our affiliates
• Corporate credit facility lenders
• Service providers
• Vendors
• Other third parties including marketers

Your Privacy Rights

To the extent that your personal information is not already covered by federal law and the necessary privacy and security measures implemented under federal law, you have the following rights under California law with respect to your personal information if you are a resident of California and are subject to applicable law:

• Right to Know. You have the right to know what personal information we gather, how we use it, who we disclose it to, and if we sell it.
• Right to Delete. You have the right to ask for the erasure of any personal data we may have gathered or kept on you.
• Right to Opt-Out of Sale. You have the choice not to allow us to sell your personal information. By clicking here, you can see our Notice of Right to Opt-Out.
• Right to Data Portability. A portable version of your data may be requested by you.
• Right to Non-Discrimination. You have the right to be treated fairly by us if you exercise your privacy rights as stated above.

You can also give someone else permission to use the aforementioned rights on your behalf. The third party would need to complete the same paperwork as the consumer and have a notarized letter allowing them to act on your behalf in order to exercise rights on your behalf as an agent. Additionally, the agent would need to have access to enough information to confirm the customer’s identity.

The aforementioned rights are contingent to our ability to adequately confirm your identity and authorization to submit these requests. According to existing legislation, these rights are also subject to a number of limits and exceptions. In order to verify your identity for prospective consumers, you must provide first and last name, state of residence, phone, physical address and email. If you are a current customer, you must also provide the social security number or other identifying account number in addition to the items required for prospective consumers.

Please get in touch with us using one of the following methods if you live in California and want to exercise these rights:

• CCPA Request Form
• (866) 606-6413
• [email protected]

Notice of Right to Opt-Out

You have the right to request that BDS stop selling your personal information now and in the future. Please choose one of the following methods to opt-out of such sales:

CCPA Request Form
(866) 606-6413
[email protected]

For further information about our practices relating to your personal information, please
refer to the other parts of our Privacy Policy.

Changes to this Privacy Policy

This Privacy Policy is subject to change at any moment, as we retain the right. Your privacy won’t be in danger from us. All prior notifications or policies addressing our privacy practices with respect to this site have been superseded by the terms in this

Privacy Policy. Any and all modifications to this Privacy Policy will be posted here. We urge you to periodically visit our Site to view the most recent Privacy Policy so that you are aware of how we are dedicated to safeguarding your information and improving the material on our Site for you in order to better your online experience. You may stay informed about the data we gather, how we use it, and under what circumstances, if any, we reveal it by checking this Privacy Policy, the Site, and other locations we consider appropriate. If there are any significant changes to the Privacy Policy, we will post those changes there.

How To Contact Us

Please contact us by email at [email protected] if you have any more
questions or issues regarding the Privacy Policy.