Privacy Policy

1. Introduction

UtahLoanRelief.com ("we," "us," or "our") operates a lead generation and referral service that connects consumers seeking debt relief and refinancing solutions with third-party lenders and service providers (collectively, "Partners"). We are committed to protecting your privacy and being transparent about how we collect, use, and share your personal information.

This Privacy Policy describes our practices regarding information collected through our website located at UtahLoanRelief.com (the "Site") and any related services we provide. By using our Site or services, you consent to the data practices described in this Privacy Policy.

2. Information We Collect

2.1 Information You Provide

When you submit a pre-qualification request or otherwise use our Site, we may collect the following personal information:

• Full name, email address, phone number, and mailing address
• Date of birth and Social Security Number (for identity verification and credit checks)
• Debt information (type of debt, outstanding balances, creditor names, account status)
• Employment and income information
• Credit score range and credit history information
• Bank account information (if provided for verification purposes)
• Any other information you choose to provide in forms or communications

2.2 Information Collected Automatically

When you visit our Site, we automatically collect certain technical information, including:

• IP address, browser type, operating system, and device information
• Pages visited, links clicked, and features used
• Date and time of your visit and referring website
• Cookies, web beacons, and similar tracking technologies (see Section 6)

2.3 Information from Third Parties

We may receive additional information about you from third-party sources, including:

• Credit bureaus and consumer reporting agencies
• Identity verification services
• Marketing partners and data providers
• Our Partners who may share information about your interactions with them

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To match you with appropriate Partners who may be able to assist with your debt relief or refinancing needs, and to facilitate communications between you and Partners.
• Pre-Qualification: To conduct soft credit checks (where authorized) and evaluate your eligibility for debt relief programs or refinancing options.
• Communication: To contact you about your request, provide updates, respond to inquiries, and send service-related notifications.
• Marketing: To send you promotional materials, special offers, and information about our services and Partners' services (you may opt out as described in Section 8).
• Improvement: To analyze Site usage, improve our services, develop new features, and enhance user experience.
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and governmental requests.
• Fraud Prevention: To detect, prevent, and investigate fraud, security breaches, and other prohibited or illegal activities.

4. How We Share Your Information

4.1 With Our Partners

This is the primary purpose of our service. When you submit information through our Site, we share your personal information with one or more Partners who may be able to provide you with debt relief, refinancing, or related services. These Partners may include:

• Private student loan lenders and refinancing companies
• Personal loan lenders
• Credit card debt relief and consolidation companies
• Credit counseling and debt settlement organizations
• Other financial service providers

Important: Once we share your information with Partners, their use of your information is governed by their own privacy policies, not this one. We encourage you to review the privacy policies of any Partners you interact with.

4.2 With Service Providers

We share information with third-party service providers who perform services on our behalf, including:

• Website hosting and infrastructure providers
• Email and SMS communication platforms
• Customer relationship management (CRM) systems
• Analytics and marketing service providers
• Payment processors and fraud prevention services
• Identity verification and credit reporting services

These service providers are contractually obligated to use your information only as necessary to provide services to us and to protect the confidentiality of your information.

4.3 For Legal Reasons

We may disclose your information when required by law or when we believe disclosure is necessary to:

• Comply with a legal obligation, court order, or government request
• Enforce our Terms of Service or other agreements
• Protect our rights, property, or safety, or that of our users or the public
• Detect, prevent, or address fraud, security, or technical issues

4.4 Business Transfers

If we are involved in a merger, acquisition, reorganization, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control of your personal information.

4.5 Marketing and Compensation

Important Disclosure: We may receive compensation from Partners when you engage their services. This compensation may be in the form of fees, commissions, or other payments. This compensation does not affect the cost of services you receive from Partners but does influence which Partners we work with and prioritize.

We do not sell your personal information to third parties for their own marketing purposes without your explicit consent. However, sharing your information with Partners as part of our lead generation service may be considered a "sale" under certain state privacy laws. See Section 9 for information about your opt-out rights.

5. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors we consider in determining retention periods include:

• The nature of the information and why it was collected
• Legal and regulatory requirements
• Potential disputes or litigation
• Your relationship with us and whether you have requested deletion

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention policies.

6. Cookies and Tracking Technologies

We and our service providers use cookies, web beacons, pixels, and similar technologies to collect information about your use of our Site and to provide certain features. Cookies are small text files stored on your device that help us recognize you and remember your preferences.

Types of Cookies We Use:

• Essential Cookies: Necessary for the Site to function properly, such as maintaining your session.
• Analytics Cookies: Help us understand how visitors use the Site, such as which pages are most popular.
• Marketing Cookies: Used to track visitors across websites to display relevant advertisements.
• Preference Cookies: Remember your settings and preferences, such as language selection.

Your Cookie Choices: Most browsers allow you to refuse cookies or alert you when cookies are being sent. However, some parts of our Site may not function properly if you disable cookies. To learn more about cookies and how to manage them, visit www.allaboutcookies.org.

7. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your personal information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:

• Encryption of data in transit using SSL/TLS technology
• Secure data storage with encryption at rest
• Regular security assessments and updates
• Access controls and authentication requirements
• Employee training on data security and privacy

However, please note: No method of transmission over the Internet or electronic storage is 100% secure. While we strive to protect your information, we cannot guarantee absolute security. You are responsible for maintaining the confidentiality of any passwords or account credentials.

8. Your Privacy Rights and Choices

8.1 Communication Preferences

You may opt out of receiving promotional emails from us by following the unsubscribe instructions in those emails or by contacting us. Please note that even if you opt out of promotional communications, we may still send you service-related messages (such as updates about your request or changes to our policies).

8.2 Do Not Call Registry

If you have registered your phone number on the National Do Not Call Registry, you may still receive calls from us and our Partners regarding your specific inquiry or request, as these are not considered unsolicited marketing calls. However, you may request to be added to our internal do-not-call list at any time.

8.3 Access and Correction

You may request access to the personal information we hold about you and request corrections if you believe it is inaccurate or incomplete. Contact us using the information in Section 12.

9. State-Specific Privacy Rights

9.1 California Residents (CCPA/CPRA)

If you are a California resident, you have certain rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), including:

• Right to Know: Request information about the categories and specific pieces of personal information we have collected, the sources, purposes, and third parties we share it with.
• Right to Delete: Request deletion of your personal information, subject to certain exceptions.
• Right to Opt-Out of Sale/Sharing: Opt out of the "sale" or "sharing" of your personal information as defined under California law.
• Right to Correct: Request correction of inaccurate personal information.
• Right to Limit Use of Sensitive Information: Limit the use of certain sensitive personal information.
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights.

To exercise these rights, contact us using the information in Section 12. We will verify your identity before processing your request.

9.2 Other State Privacy Laws

Residents of other states (including Virginia, Colorado, Connecticut, Utah, and others with comprehensive privacy laws) may have similar rights. Please contact us to exercise your rights under applicable state law.

10. Children's Privacy

Our Site and services are not intended for children under 18 years of age. We do not knowingly collect personal information from children under 18. If you are under 18, do not use our Site or provide any information to us. If we learn that we have collected personal information from a child under 18, we will delete that information promptly.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated Privacy Policy on this page and update the "Last Updated" date. We encourage you to review this Privacy Policy periodically.

If we make material changes that significantly affect your rights, we will provide additional notice (such as by email or prominent notice on our Site) as appropriate under the circumstances.

12. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us: