Online Information Gathering Policy
Your privacy is important to us. To better protect your privacy we provide this notice explaining our online information practices and how your information is used in order for us to conduct our credit counseling sessions and fulfill information and question requests.
The Information We Collect
This notice applies to all information collected or submitted on the Debt Reduction Services website. On some pages you can request to receive information or submit questions. The types of personal information collected at these pages are:
- Email address
- Phone number
Within our online application, you may submit extensive personal information about yourself beyond that which is listed above and includes, but is not limited to:
- Creditors Name
- Account Balance
- Monthly Payment and Interest Rate
- Account Status
The Way We Use Information
We use the personal information you provide about yourself to conduct our credit counseling session with you. We do not share this information with outside parties.
We use return email addresses to answer the email we receive. Such addresses are not used for any other purpose and are not shared with outside parties.
You can register your email address or postal mailing address with our website if you would like to receive additional information. Such addresses are not used for any other purpose and are not shared with outside parties.
We use non-identifying and aggregate information to better design our website, but we do not disclose anything that could be used to identify you as an individual.
Finally, we never use or share the personally identifiable information provided to us online in ways unrelated to the ones described above.
Our Commitment To Data Security
To prevent unauthorized access, maintain data accuracy, and ensure the correct use of information, we have put in place appropriate physical, electronic, and managerial procedures to safeguard and secure the information we collect online.
How You Can Correct Your Information
You can correct factual errors in your personally identifiable information by sending us a request that credibly shows error.
To protect your privacy and security, we will also take reasonable steps to verify your identity before granting access or making corrections.
How To Contact Us
Should you have other questions or concerns about these privacy policies, please call us at 877-688-3328 or send us an email at [email protected]
Use of Testimonials:
Each testimonial listed on the Debt Reduction Services Inc. company website was provided by individuals of their own free will and by those who have tried the service and or the product and offered their personal, honest opinions. There has been no compensation for these testimonials, nor has anyone been urged to provide a testimonial to Debt Reduction Services. The testimonials are kept on file at our Corporate Headquarters in Boise, ID.
The names of individuals and their locations have been omitted. Occasionally a grammatical change or spelling correction has been made, otherwise, the text from the testimonials has been left unchanged.
Not a loan company.
Debt Reduction Services Inc. does not lend money.
We do not lend money.
The Kansas Office of the State Bank Commissioner will accept questions from consumers regarding Debt Reduction Services Inc. (Registration #CSO.0000012) at:
700 SW Jackson,
Topeka, Kansas, 66603
or by calling toll-free 1-877-387-8523
The Commissioner of Financial Regulation for the State of Maryland will accept questions and complaints from Maryland residents regarding Debt Reduction Services (license #14-72) at 500 North Calvert Street Suite 402 Baltimore, MD 21202. 1-888-784-0136.
Debt Reduction Services, Inc. is a “Licensed Debt Management Service Provider” regulated by the Department of Banking and Consumer Finance, of the State of Mississippi. License #36/2013.
If you have any inquiries about the status of Debt Reduction Services Inc., a licensed Budget Planner regulated by the New York State Department of Financial Services, you may call the Banking Department’s toll-free number, (800) 342-3736.
This is not a customer service phone number for Debt Reduction Services Inc. To reach a customer service representative at Debt Reduction Services Inc., call toll-free 1-877-688-3328.
Debt Reduction Services, Inc. is a “Licensed Debt Management Service Provider” regulated by the Department of Consumer and Business Services, of the State of Oregon.
License # DM-80018.
Debt Reduction Services, Inc. is licensed by the Virginia State Corporation Commission. License # DC-35
Debt Reduction Services (hereinafter “Company”) is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what Company does to keep information about you private and secure. This Policy covers only information that you provide to Company or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.
Personal Information We Collect
The personal information we collect about you comes from the following sources:
- Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications,
- Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and
- Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.
We reserve the right to, and will, sell or transfer your personal information to third parties for any purpose in our sole discretion. We prohibit the sale or transfer of personal information to non-affiliated entities for their use without giving you the opportunity to opt-out. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services, or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider.
By carrying out those services, we may disclose your information, as we see fit and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.
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:
Debt Reduction Services
6213 N. Cloverdale Rd. Ste 100
Boise, ID 83713
E-mail: [email protected]
Residents of Vermont: Per Vermont law you are opted-out of this policy and may contact us to ‘opt-in’. Also, no sharing of credit reports within the corporate family will occur without your express consent.
We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents, and contractors to get information about you only when they need it to do their work with us. You can help to maintain the security of your online transactions by not sharing your personal information or password with anyone.
This Policy applies to current and former customers. If you have any questions, please contact Debt Reduction Services, at 6213 North Cloverdale Road Suite 100, Boise, Idaho 83713.