Privacy Policy

Effective Date: October 27, 2026

This Privacy Policy applies to the online interfaces (i.e., website or mobile application) and any related online platforms (collectively, the “Site”) owned and operated by Liberty Debt Relief, LLC (“Liberty”, “we”, “our”, or “us”). This Privacy Policy describes how we collect, use, protect, and share information from or about you. 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.

Information We Collect

To provide our services and optimize your experience, we collect information that identifies, relates to, or could reasonably be linked with you (“Personal Information”). We have condensed our collection practices into the following categories, collected directly from you, indirectly through your Site activity, or from third-party partners:

• Identifiers & Contact Information: Real name, physical address, email address, telephone/mobile number, IP address, and Social Security number (when necessary for account servicing).
• Financial & Commercial Information: Debt amounts, creditor information, purchasing or consuming histories, and records of products or services considered or obtained.
• Internet & Network Activity: Browsing history, search history, interaction with our Site (via cookies and clear GIFs), and device information.
• Sensory & Audio Data: Recordings or monitoring of telephone conversations with our representatives for quality and compliance purposes.
• Inferences: Profiles reflecting consumer preferences, characteristics, and behavior to improve our service offerings.

Personal information does not include publicly available information from government records, or de-identified/aggregated consumer information.

Use of Your Personal Information

Information we gather from you or third parties is used to:

• Provide you with information about products or services we offer
• Verify your eligibility and identity
• Contact you via postal mail, email, or SMS regarding your inquiry, account status, or payment alerts
• Process payments and manage your account
• Facilitate the use of our Site and client portals
• Improve our Site, product offerings, and services
• Inform you about products or services we think you will be interested in
• Detect and protect against security incidents, malicious, deceptive, fraudulent, or illegal activity

Sharing and Disclosure of Personal Information

We may disclose your personal information to our affiliates, trusted service providers, and authorized third parties to carry out transactions you request, fulfill our contractual obligations, or for commercial marketing purposes.

SMS Non-Sharing Policy Under no circumstances will your text messaging originator opt-in data and consent be sold, rented, or shared with any third parties or affiliates for their marketing or promotional purposes. Your phone number and SMS consent are strictly sequestered. Mobile information may only be shared with telecommunications service providers solely to the extent necessary to deliver operational SMS messages on our behalf.

SMS Communications & Mobile Terms

If you provide your mobile phone number and opt in to receive text messages from Liberty, you consent to receive recurring SMS messages including responses to inquiries, account notifications, payment reminders, and service-related communications.

• Consent: Consent to receive SMS messages is not a condition of purchasing any goods or services.
• Opt-Out: You may opt out at any time by replying STOP to any message. You will receive a one-time confirmation message.
• Support: For assistance, reply HELP or contact our customer care team.
• Rates & Carrier Liability: Message frequency varies. Message and data rates may apply. Wireless carriers are not liable for delayed or undelivered messages.

Cookies and Tracking Technologies

We use session ID cookies, persistent cookies, and clear GIFs (Web Beacons) to enhance your navigation, store preferences, and track Site effectiveness. We do not link the information we store in cookies to any personally identifiable information you submit. You can set your browser to reject cookies, though some Site features may be limited. Currently, we do not respond to Web browser “Do Not Track” (DNT) signals.

State-Specific Privacy Rights

Notice to California Residents If you are a California resident, the California Consumer Privacy Act (CCPA) provides you with specific rights regarding your personal information:

• Right to Know & Access: You have the right to request the categories and specific pieces of personal information we have collected about you over the past 12 months.
• Right to Delete: You have the right to request the deletion of your personal information, subject to certain legal and operational exceptions.
• Right to Opt-Out: You have the right to direct us not to sell or share your personal information with third parties for commercial purposes.
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your privacy rights.

To exercise your CCPA rights, please submit a request to us using the contact methods listed in the “Changing or Updating your Information” section below. We require verification of your identity (name, address, phone, email) before processing requests.

Notice to Nevada Residents You may be placed on our internal Do Not Call List by submitting a request to us in writing using the contact methods provided below.

Notice to Vermont Residents We automatically treat accounts with Vermont billing addresses as if you have opted out of sharing your information with nonaffiliated third parties.

Data Security and Children’s Privacy

We maintain industry-standard physical, electronic, and procedural safeguards to secure your personal information. Our Site is not directed to individuals under the age of 18. We do not knowingly collect information from minors. If we learn we have collected such data, we will take all reasonable steps to delete it.

Unsubscribe from Promotional E-mails:

You can unsubscribe from promotional emails in the following ways:

1. At the bottom of any email message, click “unsubscribe”
2. Call customer support at 800-756-8447

Changing or Updating your Information

Liberty relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete, or if you wish to exercise your privacy rights, please contact us:
Phone: 800-756-8447