Last Updated: June, 2025.

Your privacy is important to Grace Debt Relief (“Grace Debt Relief”). This Online Privacy Policy (“Privacy Policy”) explains how Grace Debt Relief may collect, use, store, and share information from or about you, and explains how information collected from or about you may be, used, including for advertising purposes, and/or how your information shared with third parties through our  site www.gracedebtrelief.com, or through our affiliates that link to our policy or reference this policy, or any of  Grace Debt Relief’s online sites and marketing services, including the websites, social media sites or pages, mobile application (if available), as well as any interactions you may have while viewing content provided through one of our advertising campaigns whether done on your computer or mobile device (collectively the “Sites”).

Agreement to this Policy: This Privacy Policy is incorporated by reference into Grace Debt Relief’s Terms and Conditions, and too, is subject to your obligation to arbitrate claims brought pursuant to this Privacy Policy in accordance with your agreement to arbitrate in Section 11 titled Dispute Resolution by Binding Arbitration. By using, interacting with, entering information, or viewing information on the Sites, you expressly acknowledge and consent to this Privacy Policy in its entirety, including providing you your consent to our use and disclosure of information collected from, or about, you in the manner described herein. You agree that Grace Debt Relief will rely on your use, requests, and interaction with our Sites as your express consent to the terms of this Privacy Notice. YOU AGREE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THE TERMS AND CONDITIONS AND THIS PRIVACY POLICY, AND YOUR OBLIGATION TO ARBITRATE CLAIMS UNDER OUR ARBITRATION AGREEMENT.

As you review this Online Privacy Policy, here are a few general principles to keep in mind:

• Our online services are intended for a U.S. residents consumers only, and we are not marketing, offering, or collecting information from non-U.S. resident consumers. See Notice to Users Outside of the United States in this Policy for further information.
• Our online services are not intended for children under 18. See Children Online Privacy Protection Act (“COPPA”) Disclosure in this Policy for further information.
• Should you sign up for our debt relief service, in addition to this Privacy Policy, you understand that Personally Identifiable Information (“PII”) and/or Personal Financial Information (“PFI”), may be collected, processed, used, shared, and stored, as part of our services, and that in addition to this Policy, you may be subject to additional contractual terms in your service agreement with Grace Debt Relief.
• If you are a California resident, you may have rights under the California Consumer Privacy Act. Please click here to learn more.
• If you are a Florida resident, you may have certain rights under the Florida Digital Bill of Rights. See our Florida Privacy Rights section below.

INFORMATION GRACE DEBT RELIEF MAY COLLECT:

Grace Debt Relief may collect certain categories of information, including Personally Identifiable Information (“PII”), Personal Financial Information (“PFI”) and other sensitive personal information that may be shared with Grace Debt Relief in accordance with the law including information in the following categories:

1. General Identifying Information: General Identifying Information may include, but not limited to, you full name, postal address, e-mail address, telephone number, account ID, profile photo, other data made publicly available about you, provided by you, or made available by linking your social media or other similar identifiers.
2. Demographic Information and Important Dates: Demographic Information and Important Dates may include, but not limited to, you gender, language preferences, nationality, and/or date of birth.
3. Financial Information: Financial Information may include, but not limited to, your credit, debit, or other payment data, bank account information, personal financial statements, or other financial personal information about you or your household.
4. Credit Information: Credit Information may include, but not limited to, your credit score, credit accounts status, and other creditworthiness information about you or your household.
5. Internet or Other Electronic Information: Internet or other Electronic Information may include, but not limited to, your web history, search history, interactions with a website, email, applications, or advertisements, IP address, IP Host location, enabled cookies, or any other information that may be automatically obtained from you while making use of the Sites.
6. Geolocation information: Geolocation information may include, but not limited to, your real-time location or GPS coordinates data provided by your computer or mobile device or web browser, data derived from your IP address, general location based on nearby Wi-Fi networks or cell towers, location history records, geotags in content uploaded to the Site, or other user location information entered by you.
7. Categories that may be considered Sensitive Personal information: Such information may include Government Identifiers (including social security numbers, driver license, or other government issued identifiers), certain Financial Information (such information that maybe protected by Federal Financial regulations such as the GLBA), Credit Information (such as a Credit Report), or other sensitive information as defined by applicable law.
8. Inferences drawn from the above information about your predicted characteristics.

HOW DOES GRACE DEBT RELIEF COLLECT YOUR INFORMATION:

Grace Debt Relief may collect PII and/or PFI from each of the above categories in the following ways:

1. Directly from You. Grace Debt Relief may collect certain PII and/or PFI from the categories in section I above directly from you. You may be asked to provide certain information in forms on our Sites, or may provide such information when you contact Grace Debt Relief to inquire about our debt relief services.
2. Indirectly from You. Certain interactions with the Sites may, through the use of cookies, pixels, or other tracking tools or software, collect information about you, your location, your IP, or other categories in section I of this Policy.
3. From Marketing and Analytical Partners. Grace Debt Relief may utilize and/or partner with various marketing and/or analytical partners such as Google Analytics, Meta, or other third-party online marketing and analytics services that analyze the Sites or partner to market the Sites or our services.
4. From Third-Party Vendors, Affiliates, and Partners. Grace Debt Relief may obtain certain PII and PFI about you from third parties providing credit reporting data, accounts history data, service data, or other lead generation data.
5. From Public Records. Certain information about you may be available from various public sources and public government records. Grace Debt Relief may obtain information about you with respect to the categories in Section I to this Policy, which may be available to the public through various public databases, online searches, or public record requests.

HOW DOES GRACE DEBT RELIEF USE YOUR PERSONAL INFORMATION:

Grace Debt Relief may uses any collected PII and/or PFI from you, or about you, in the following ways and for the following purposes:

1. to respond to your inquiries on the Sites and fulfill requests made by you.
2. to provide you with important information regarding the Sites, products or services for which you may apply or in which you are enrolled, changes to terms, conditions, and policies and/or other administrative information.
3. to deliver marketing communications that Grace Debt Relief believes may be of interest to you, including, personalized ads or offers tailored to you, including ads on other websites, or from affiliated or unaffiliated third parties.
4. to personalize your experience on the Sites.
5. to refer you to various complementary service providers that may offer you various additional services independently of our Sites.
6. to allow you to apply for various products or services and evaluate your eligibility for such products or services.
7. to verify your identity and/or location (or the identity or location of your representative or agent) in order to allow access to services you may enroll in, conduct online transactions, confirm forms submitted are authentic, and to maintain measures aimed at preventing fraud against Grace Debt Relief and you, as well as protecting the security of your Personal information.
8. to allow you to participate in surveys and other forms of market research, sweepstakes, contests and similar promotions, and to administer these activities (if any). These activities may have additional rules of participation, which may also contain additional policies about how PII or PFI is collected, used, stored, and/or shared.
9. to allow us to verify your identity or other information collected from or through our social media pages or campaigns and other interaction with online forms generated on our behalf. We may combine and use PII and/or PFI you provide in this Site with the information collected from our social media pages or from your interaction with online forms generated on our behalf.
10. to allow you to enter and participate in our live chat, forums, and/or other types of bulletin boards that we may have on the Sites from time to time (if any).
11. for legitimate business purposes, including data and marketing analysis, audits, developing and improving products and services, enhancing the Sites, identifying usage trends and determining the effectiveness of promotional campaigns.
12. for internal and external risk control, fraud detection, and prevention.
13. to comply with applicable laws and regulations, and other legal process (including in any lawsuit by you or on your behalf), and government and law enforcement requirements.
14. to allow you to utilize features within our Sites by granting us access to information from your device, such as contact lists or geolocation, when you request certain services.
15. to manage your Sites preferences.
16. to respond to your requests, applications, and process your transactions.
17. For any other purposes that Grace Debt Relief may specifically disclose at the time you provide or we collect your information.

Grace Debt Relief may also use data that Grace Debt Relief collects on an aggregate or anonymous basis (such that it does not identify any individual customers) for various business purposes. As an example, we may use information collected from cookies or pixels for various analytical purposes, or for market research. “Cookies” are small amounts of data a website can send to a visitor’s web browser.  They are often stored on the device you are using to help track your areas of interest.  Cookies may also enable us or our service providers and other companies we work with to relate your use of our online services over time to customize your experience.  Most web browsers allow you to adjust your browser settings to decline or delete cookies, but doing so may degrade your experience with our online services. In general, we may use or use these different types of cookies:

1. Strictly Necessary Cookies: These cookies are necessary to enable the basic features of the Sites.
2. Functional Cookies: These cookies allow our Sites to remember your site preferences and choices you make on the site. We also use functional cookies to facilitate navigation, to display content more effectively, and/or to personalize your experience.
3. Advertising Cookies: Advertising cookies allow us to select which advertisements or offers are most likely to appeal to you. We also use them to track responses to online advertisements and marketing, and we may use them to better understand your interests so we can present you with relevant messages and offers. These cookies may also allow you to share certain pages with social networks.
4. Analytics Cookies: Analytics cookies help us improve our Sites and Apps by collecting and reporting information on how you use it.
5. Compliance Cookies, pixels, or tools: These cookies are used to ensure compliance with various applicable laws and regulations. For instance, we may use certain tools for functionality like screen recording to capture user actions for TCPA compliance and acceptance certificates.

Furthermore, there are certain choices you can make to control certain cookies. Note that certain cookies, pixels, and tools cannot be disabled regardless of how you choose to proceed with your Cookie Choices. That said, there are several ways to manage cookies:

1. Browser settings: You can opt out of cookies on your browser. Every browser is different, please check the instructions provided by your browser. Note should you choose to opt out of cookies on your browser or disable cookies, such action may impact your use of the Sites.
2. Cookies Preferences: Through our “Cookie Preferences” tool. Currently you can only ACCEPT ALL COOKIES / ACCEPT ESSENTIAL COOKIES on the Sites. However, please note that currently essential cookies cannot be rejected, and only non-essential cookies will be rejected. Compliance tools and cookies, as well as functional cookies are always considered essential cookies. In addition, certain marketing and analytics cookies, pixels, or tools may be deemed essential and therefore cannot be removed.
3. Google Analytics: We collect data through Google Analytics which use cookies and technologies to collect and analyze data about the use of online services. These services also collect data regarding the use of other websites, apps, and online resources. You can learn about Google’s practices by going to www.google.com/policies/privacy/partners/. You may choose to opt out from Google Analytics by downloading the Google Analytics opt out browser add-on, available at https://tools.google.com/dlpage/gaoptout.

 

Bear in mind that because cookies are stored by your browser, if you use different browsers on your computer, or multiple computers and devices that have browsers and you do not wish to have cookies collect information, you will need to opt out from each browser on each of the computers and devices that you use. 

HOW DOES GRACE DEBT RELIEF STORE AND SECURE YOUR PERSONAL INFORMATION:

1. Data Security. Grace Debt Relief takes commercially reasonable precautions to protect your personal information and only provide access to the information on a need-to-know basis. To prevent the unauthorized access, disclosure, dissemination, misuse, loss, alteration or destruction of your personal information, Gace Debt Relief has employed commercially reasonable physical, electronic, and managerial measures to protect your data and Gace Debt Relief periodically reviews these policies and procedures in effort to prevent such acts. However, despite our best efforts, no security policy, procedures or practices can adequately protect against all types of threats or data losses and no type of data transmission method is impenetrable to interception. While we follow generally accepted industry standards to protect the PFI and PII submitted to us (both during your submission and after we receive it), please be advised that no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your Personal information and PII, we cannot guarantee its absolute security. In the event of a breach, we have policies for immediate measures to inform our management and legal team and take immediate action to minimize the impact of the breach. We are committed to ensure compliance with any rights you may have to know in the event of a breach of your information that is on our servers. You understand that we may utilize a third-party Customer Relationship Manager (CRM) provider and software. In such case, you understand that while we take all precautions and contractually require our CRM to meet certain industry standards, we cannot control any CRM data breach which is controlled by the third-party.
2. Data Retention. Grace Debt Relief retains Personal information for as long as needed or permitted in light of the purpose(s) for which it was collected. The criteria used to determine our retention periods include: (i) The length of time we have an ongoing relationship with you and as necessary to provide requested services to you; (ii) Whether there is a legal or regulatory obligation to which we are subject (for example, certain laws require us to keep records of your transactions for a certain period of time before we can delete them); and (iii) Whether retention is advisable considering our legal position (such as, for statutes of limitations, litigation, or regulatory investigations). You acknowledge that due to these criteria, should you be in a state that has deletion rights, we may reject certain request to delete your data, if we are required by law or regulation to maintain the information, and deletion of such personal information will run foul with our compliance with said regulations.

STATE SPECIFIC DISCLOSURES:

This section provides state specific disclosures which apply solely to consumers who reside in California and Florida. If you are a resident of one of these states, you have certain rights with respect to personal information collected and the processing of your personal information which are subject to the applicable state privacy laws.

1. Notice to California Consumers. Being that Grace Debt Relief is a California based entity, and is dedicated to compliance with California consumer regulation, Grace Debt Relief provided a dedicated page to California consumers rights under the California Consumer Privacy Act. To review your rights under the California Consumer Privacy Act, please click here.
2. Notice to Florida Consumers. Florida, like California, enacted a consumer privacy protection law titled “Florida Digital Bill of Rights”. Under the Florida Digital Bill of Rights, a Florida resident is, pursuant to the authenticated consumer request, to exercise the following rights:
   1. To confirm whether Grace Debt Relief is processing consumer’s personal data (such as PII and PFI) and to access the personal data.
   2. To correct inaccuracies in the consumer’s personal data, taking into account the nature of the personal data and the purposes of the processing of the consumer’s personal data.
   3. To delete any or all personal data provided by or obtained about the consumer. The consumer understands and agrees that while the consumer has a right to get its personal data, Grace Debt Relief may be required to maintain certain personal data as part of its compliance obligations, and therefore may not be able to delete all of the personal data of the consumer if such data is required to be maintained by Grace Debt Relief for legal or regulatory compliance obligations.
   4. To obtain a copy of the consumer’s personal data, in a portable, and, to the extent technically feasible, readily useable format if the data is available in a digital format.
   5. To opt out of the processing of the consumer’s personal data for purposes of: (i) targeted advertising; (ii) the sale of personal data; or (iii) profiling in furtherance of a decision that produces a legal or similar significant effect concerning the consumer.
   6. To opt out of the collection of sensitive data, including precise geolocation data, or the processing of sensitive data.
   7. To opt out of the collection of personal data collected through the operation of voice recognition or facial recognition features. Consumer understands and agrees that Grace Debt Relief may record calls as part of its operations for purposes of better servicing clients, obtaining certain authorizations from the consumer, confirming receipt of services, and other legitimate business reasons. Such recordings may be maintained by Grace Debt Relief to comply with regulation and internal legal and business purposes.
   8. Consumers can make the request that Grace Debt Relief comply with any of the above data privacy requests through the submission of Grace Debt Relief’s via email at [email protected], and/or Data Request Form, which is located on our site, and is accessible by the link here. Any request made by phone, must be followed in writing. Grace debt Relief shall have up to 45 days to respond to a request, and should the matter be complex, the consumer can inform the consumer that Grace Debt Relief requires up to an additional 15-day extension to the request. Consumer is entitled to response no later than 60 days from the date the validated request is made.
   9. Consumers may appeal a decision by emailing Grace Debt Relief’s email at [email protected]. Consumers understand that Grace Debt Relief shall have 60 days after receipt of the appeal, including a written explanation of the reason or reasons for the decision.
3. Notice to Users Outside of the United States. This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States only. If you are visiting our Site from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where cloud or servers are located, and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. We do not sell, offer, or otherwise provide services to individuals outside of the United States, and you understand that non-U.S. residents are unable to receive services from Grace Debt Relief.

MISCELLANEOUS PROVISIONS.

1. Protecting Children’s Privacy Online (Children’s Online Privacy Protection Act (COPPA)) Disclosure. The Sites are not directed to individuals under the age of eighteen (18), and we request that these individuals do not provide Personally Identifiable Information (PII) or Personal Financial Information (“PFI”) through the Site. We do not knowingly collect information from children, teenagers, or minors under 18 years of age without parental consent. If you are a User under the age of 18, please do not send any PII or PFI to us if we have not obtained prior consent from your parent or guardian. If we learn we have collected PII and/or PFI from a User under the age of 18 without parental consent, or if we learn a User under the age of 18 has provided us with PII beyond what we request from him or her, we will delete that information as quickly as possible. If you believe that a User under the age of 18 may have provided Grace Debt Relief with PII and/or PFI in violation of this Privacy Policy, please contact us at our e-mail or physical mailing address listed in the “Contact Us” section below and we will take all reasonable efforts to remove the information. For more information about the Children’s Online Privacy Protection Act (COPPA), please visit the Federal Trade Commission website at https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy.
2. English Language Govern this Privacy Notice. You acknowledge and agree that the text of this Privacy Notice, including all linked pages or other page Sites, have been written, and are offered, in both English and Spanish. Each version is authentic. In the event of any dispute regarding this Privacy Policy, however, the English version shall be given priority of interpretation and shall therefore be controlling. Additionally, all notifications shall be provided by one party hereunder to the other party in the English language. You may request a copy of this Privacy Notice in Spanish for your records.
3. Making Sure Information is Accurate. You understand and agree that Grace Debt Relief presumes that the PII or PFI you provided is, indeed, accurate. Grace Debt Relief will not be responsible for verifying that your Information. It is your responsibility to ensure the information provided is accurate and up to date. If you have previously submitted information which is incomplete, inaccurate or not current, please email or write us at the appropriate address, or complete a data request form, with updated information which you would like us to use in our communication with you.
4. Business Transitions. You understand and agree that if Grace Debt Relief goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your Personal information, PII, PFI, and additionally collected information will likely be among the assets transferred.
5. Linking to Third-Party Websites. Grace Debt Relief may provide links to websites that are owned or operated by other companies (“third-party websites”).  When you use a link online to visit a third-party website, you will be subject to that website’s privacy and security practices, which may differ from ours. You should familiarize yourself with the privacy policy, terms of use and security practices of the linked third-party website before providing any information on that website.
6. Opt-Out Policy for Newsletter and/or Email Subscriptions. You may opt-out or unsubscribe from a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails which you receive. Please allow five to ten (5-10) business days for changes to take effect. Please be advised that all opt-out requests will be honored by the 10^th business day. You understand and agree that during that period and while your request is pending you may still receive newsletters and emails. Client service-related communications are an integral part of the services you receive from us, and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at [email protected], or by replying to an existing email with your request to be removed from the mailing list.
7. Changes to this Online Privacy Policy. We may change this Online Privacy Policy from time to time.  When we do, we will let you know by appropriate means such as by posting the revised policy on this page with a new “Last Updated” date.  Any changes to this Online Privacy Policy will become effective when posted unless indicated otherwise. We recommend you review this Online Privacy Policy each time you visit Grace Debt Relief’s website to review for such changes, as your continued use of the website constitutes your express acceptance of, and agreement to, the revised Online Privacy Policy.
8. Contact Us. If you have any questions or concerns related to this Online Privacy Policy, please contact us by email to [email protected]. You may also contact us by mail at 4879 Viewridge Avenue, San Diego, CA 92123, or by phone at 800-665-9575.

YOU MAY DOWNLOAD A PDF VERSION OF THIS PRIVACY POLICY BY CLICKING HERE, WHICH WE ENCOURAGE YOU TO SAVE IN YOUR RECORDS, AND CHECK FOR UPDATE FROM TIME TO TIME.