Who we are

This Privacy Policy (hereinafter referred to “Privacy Policy”) applies to this www.pacificdebtconsolidation.com online interface (i.e., website or mobile application) owned and operated by Pacific Debt Consolidation. The term “we” or “us” or “our” in this Privacy Policy refers to affiliates or subsidiaries of PDC 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. This Privacy Policy is intended 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 in the manner described herein.

Our Commitment To Privacy

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 Site.

Browsing Our Website   

This website does not collect personally identifiable information from your computer when you browse this website and request pages from our servers. This means that, unless you voluntarily and knowingly provide us with personally identifiable information, we will not know your name, your email address, or any other personally identifiable information. Pacific Debt Consolidation’s servers automatically record non-personally identifiable information when you visit our website or use some of our products.  When you request a page from our website, our servers log the information provided in the HTTP request header including the IP number, the date and time of the request, the URL of your request, the language used, the browser type and any other information that is provided in the HTTP header. We collect the HTTP request header information in order to make our website function correctly and provide you the functionality that you see on this website. We also use this information to better understand how visitors use our website and how we can better tune it, its contents and functionality to meet your needs.

Information Collected   

When we need to collect personally identifiable information from you to execute the requested transaction or provide you with a particular service, we will ask you to voluntarily supply us with the information we need. We will ask you for information such as, but not limited to: name, address, telephone number, email address, and demographic information (such as income level and gender) to process your submission.

In addition, when you provide contact details for transaction requests such as scheduling an appointment or requesting a proposal, we will use the contact information to keep you updated about future offers or promotions unless you opt-out online or otherwise notify us.

This information may be collected from, but not limited to, the following sources:

• Our communications with you, including information obtained when you register for Pacific Debt Consolidation service or otherwise volunteer information, such as your income, assets you possess, and account payment history;
• Your transactions with us, our affiliates, or others;
• Outside companies, such as consumer reporting agencies, to evaluate your creditworthiness and credit history;
• Public sources, such as bankruptcy records and real estate records.

Aside from the ways mentioned above, we sometimes use your personally identifiable information in other ways, including sending you promotional materials, and sharing your information with third parties so that these third parties can send you promotional materials. (By “promotional materials,” we mean communications that directly promote the use of websites, or the purchase of products or services.). However, you may “opt-out” of certain uses of your personal information.

When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year.

If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.

SMS and Auto Dialed Calls 

By entering your contact information on our website and opting in, as applicable, you expressly request to receive information via telephone call, email and text/SMS message (including through the use of an automatic telephone dialing system or artificial/prerecorded voice, SMS or MMS (text) messages, even if your telephone number(s) is/are currently listed on any state, federal or corporate Do Not Call list). By providing us with your mobile number and opting-in, you give Pacific Debt Consolidation, Inc Pacific Debt Consolidation permission to send you account-related text messages, like payment reminders and notifications, in conjunction with the services you have requested. Consent is not a requirement to purchasing the goods or services that Pacific Debt Company is offering. Message and Data rates apply. Message frequency will vary. SMS communication with prospective clients will typically include basic program information and contact information for our team members. To request support, text HELP to any text message we send you or email us at support@pacificdebtconsolidation.com. You may opt-out by replying “STOP” to any message that you receive.

Clients:

By providing us with your mobile number and opting-in, you give Pacific Debt Consolidation permission to send you account-related text messages, like payment reminders and notifications, as well as promotional messages, like special offers and discounts, in conjunction with the services you have requested.

• Number of messages will vary by account.

• Message and data rates may apply.

• To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.

• To request support, text HELP to any text message we send you or email us at support@pacificdebtconsolidation.com

• If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.

• Wireless carriers are not liable for undelivered or delayed messages.

Text messaging originator opt-in data and consent information will not be shared with any third parties.

These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.

Your Choices/Opt-out 

We offer you choices when we ask for personal information, whenever reasonably possible.  We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference to us.

You may decline to provide personal information to us and/or refuse cookies in your browser, although some of our features or services may not function properly as a result.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

By providing information to Pacific Debt Consolidation you are consenting to the collection, use, and disclosure of such personal information in the manner described in this Privacy Policy. We provide you the opportunity to withdraw your consent when such information is collected or at any later time by following the procedure described in this Choice/Opt-Out provision.   

Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:   
Telephone: 1-877-PAC-DEBT   
Email:     We offer you choices when we ask for personal information, whenever reasonably possible.  We provide you the opportunity to ‘opt-out’ of having your personally identifiable information used for certain purposes when we ask for this information. For example, if you purchase a product/service but do not wish to receive any additional marketing material from us, you can indicate your preference to us.

You may decline to provide personal information to us and/or refuse cookies in your browser, although some of our features or services may not function properly as a result.

If you no longer wish to receive our newsletter and promotional communications, you may opt-out of receiving them by following the instructions included in each newsletter or communication or by emailing or calling us per the information contained on our contact page.

By providing information to Pacific Debt Consolidation you are consenting to the collection, use, and disclosure of such personal information in the manner described in this Privacy Policy. We provide you the opportunity to withdraw your consent when such information is collected or at any later time by following the procedure described in this Choice/Opt-Out provision.   

Such consent may be withdrawn by calling the telephone number provided below or may be done in writing/email and sent to our customer service department at the following physical address or email address:   
Telephone:
Email:     support@pacificdebtconsolidation.com   

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond  to DNT signals in browsers because we do not track individual users across the web.

May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.pacificdebtconsolidation.com?

No.

In response to a California law, we will automatically treat accounts with California billing addresses as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: ; E-mail: support@pacificdebtconsolidation.com.

The website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the website. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a 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.

Cookies   

Pacific Debt Consolidation uses cookies and other technologies on this site to enhance your online experience and to learn about how you use our services in order to improve the quality of the services we offer.

A cookie is a small text file that is stored on a user’s computer for record-keeping purposes. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use session ID cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close your browser.   
We can at your option set a persistent cookie to store your passwords, so you don’t have to enter it more than once. Persistent cookies also enable us to track and target the interests of our users to enhance the experience on our site.

If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.

Some of our business partners (e.g., advertisers) use cookies on our site. We have no access to or control over these cookies.

This Privacy Policy covers the use of our cookies only and does not cover the use of cookies by any advertisers.

Where your data is sent

We require the use of outside companies, other third parties, to provide certain services including clerical and information processing and shipping services.  When you sign up for our services, we will share only as much information as is necessary for the provision of those services. We require that all third parties, hired by Pacific Debt, to comply with our Privacy Policy in order to keep your information safe and secure.

These third parties are prohibited from using or sharing your personally identifiable information for any purpose other than the job they were hired to do.

Changes to this Privacy Policy

From time to time, we may revise this Privacy Policy. If we make material changes to the way we collect or use Personal Data, we may provide notice of those changes by either:

Announcing the change on the home page of the Website; or taking such other action as we deem appropriate under the circumstances, such as posting the revised draft of this Privacy Policy on the Website. By continuing to use the Website following such changes, you will be deemed to have agreed to such changes. If you do not agree with the terms of this Privacy Policy, please do not continue using the Website.

Contacting Pacific Debt Consolidation

If you have any questions about this Privacy Policy, Personal Data gathered by this Website, or about the operation of this Website, or if you wish to unsubscribe from the Website, please contact us at support@pacificdebtconsolidation.com.