Your Security & Privacy is Important

We value your privacy and understand its importance to you. 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 nonprofit credit counseling and debt management activities.

Privacy Policy – Data Collection and Usage by www.MoneyFit.org

Your privacy is important to us. It is the Money Fit by DRS policy to respect your privacy regarding any information we may collect from you across our website, MoneyFit.org, and other sites we own and operate.

1. Information we collect

Log data: When you visit our website, our servers may automatically log the standard data provided by your web browser. It may include your computer’s Internet Protocol (IP) address, your browser type and version, the pages you visit, the time and date of your visit, the time spent on each page, and other details. Device data: We may also collect data about the device you’re using to access our website. This data may include the device type, operating system, unique device identifiers, device settings, and geo-location data. What we collect can depend on the individual settings of your device and software. We recommend checking the policies of your device manufacturer or software provider to learn what information they make available to us. Personal information: We may ask for personal information, such as your:

• Name
• Email
• Social media profiles
• Phone/mobile number
• Home/Mailing address

2. Legal bases for processing

We will process your personal information lawfully, fairly and in a transparent manner. We collect and process information about you only where we have legal bases for doing so. These legal bases depend on the services you use and how you use them, meaning we collect and use your information only where:

• it’s necessary for the performance of a contract to which you are a party or to take steps at your request before entering into such a contract (for example, when we provide a service you request from us);
• it satisfies a legitimate interest (which is not overridden by your data protection interests), such as for research and development, to market and promote our services, and to protect our legal rights and interests;
• you give us consent to do so for a specific purpose (for example, you might consent to us sending you our newsletter); or
• we need to process your data to comply with a legal obligation.

Where you consent to our use of information about you for a specific purpose, you have the right to change your mind at any time (but this will not affect any processing that has already taken place). We don’t keep personal information for longer than is necessary. While we retain this information, we will protect it within commercially acceptable means to prevent loss and theft, as well as unauthorised access, disclosure, copying, use or modification. That said, we advise that no method of electronic transmission or storage is 100% secure and cannot guarantee absolute data security. If necessary, we may retain your personal information for our compliance with a legal obligation or in order to protect your vital interests or the vital interests of another natural person.

3. Collection and use of information

We may collect, hold, use and disclose information for the following purposes and personal information will not be further processed in a manner that is incompatible with these purposes:

• to enable you to customise or personalise your experience of our website;
• to contact and communicate with you;
• for analytics, market research and business development, including to operate and improve our website, associated applications and associated social media platforms;
• to run competitions and/or offer additional benefits to you; and
• for advertising and marketing, including to send you promotional information about our products and services and information about third parties that we consider may be of interest to you.

4. Disclosure of personal information to third parties

We may disclose personal information to:

• third party service providers for the purpose of enabling them to provide their services, including (without limitation) IT service providers, data storage, hosting and server providers, ad networks, analytics, error loggers, debt collectors, maintenance or problem-solving providers, marketing or advertising providers, professional advisors and payment systems operators.

5. International transfers of personal information

The personal information we collect is stored and processed in United States, or where we or our partners, affiliates and third-party providers maintain facilities. By providing us with your personal information, you consent to the disclosure to these overseas third parties. We will ensure that any transfer of personal information from countries in the European Economic Area (EEA) to countries outside the EEA will be protected by appropriate safeguards, for example by using standard data protection clauses approved by the European Commission, or the use of binding corporate rules or other legally accepted means. Where we transfer personal information from a non-EEA country to another country, you acknowledge that third parties in other jurisdictions may not be subject to similar data protection laws to the ones in our jurisdiction. There are risks if any such third party engages in any act or practice that would contravene the data privacy laws in our jurisdiction and this might mean that you will not be able to seek redress under our jurisdiction’s privacy laws.

6. Your rights and controlling your personal information

Choice and consent: By providing personal information to us, you consent to us collecting, holding, using and disclosing your personal information in accordance with this privacy policy. If you are under 16 years of age, you must have, and warrant to the extent permitted by law to us, that you have your parent or legal guardian’s permission to access and use the website and they (your parents or guardian) have consented to you providing us with your personal information. You do not have to provide personal information to us, however, if you do not, it may affect your use of this website or the products and/or services offered on or through it. Information from third parties: If we receive personal information about you from a third party, we will protect it as set out in this privacy policy. If you are a third party providing personal information about somebody else, you represent and warrant that you have such person’s consent to provide the personal information to us. Restrict: You may choose to restrict the collection or use of your personal information. If you have previously agreed to us using your personal information for direct marketing purposes, you may change your mind at any time by contacting us using the details below. If you ask us to restrict or limit how we process your personal information, we will let you know how the restriction affects your use of our website or products and services. Access and data portability: You may request details of the personal information that we hold about you. You may request a copy of the personal information we hold about you. Where possible, we will provide this information in CSV format or other easily readable machine format. You may request that we erase the personal information we hold about you at any time. You may also request that we transfer this personal information to another third party. Correction: If you believe that any information we hold about you is inaccurate, out of date, incomplete, irrelevant or misleading, please contact us using the details below. We will take reasonable steps to correct any information found to be inaccurate, incomplete, misleading or out of date. Notification of data breaches: We will comply laws applicable to us in respect of any data breach. Complaints: If you believe that we have breached a relevant data protection law and wish to make a complaint, please contact us using the details below and provide us with full details of the alleged breach. We will promptly investigate your complaint and respond to you, in writing, setting out the outcome of our investigation and the steps we will take to deal with your complaint. You also have the right to contact a regulatory body or data protection authority in relation to your complaint. Unsubscribe: To unsubscribe from our e-mail database or opt-out of communications (including marketing communications), please contact us using the details below or opt-out using the opt-out facilities provided in the communication.

7. Cookies

Cookie Policy for MoneyFit.org

MoneyFit.org uses cookies, small files stored on your device, to enhance your browsing experience. This policy explains their purpose and how we use them.

Cookies are integral to our website’s functionality, supporting various features and services. While you can disable them via your browser settings, doing so may impair the site’s performance.

Types of Cookies We Use or Plan to Use in the Future

1. Account-Related Cookies: For managing signups and general administration. These are removed upon logging out but may persist for site preferences.
2. Login-Related Cookies: To remember your login status, eliminating the need to log in repeatedly. Removed upon logging out.
3. Order Processing Cookies: Essential for e-commerce transactions, ensuring order continuity between pages.
4. Form-Related Cookies: To recall user details for future correspondence when you submit forms.

Third-Party Cookies We use trusted third-party cookies, like Google Analytics, to understand site usage and improve content. These track site engagement metrics.

More Information For further details or queries, contact us at:

• Email: [email protected]
• Phone: 800-432-0310

8. Business transfers

If we or our assets are acquired, or in the unlikely event that we go out of business or enter bankruptcy, we would include data among the assets transferred to any parties who acquire us. You acknowledge that such transfers may occur and that any parties who acquire us may continue to use your personal information according to this policy.

9. Limits of our policy

Our website may link to external sites that are not operated by us. Please be aware that we have no control over the content and policies of those sites, and cannot accept responsibility or liability for their respective privacy practices.

10. Changes to this policy

At our discretion, we may change our privacy policy to reflect current acceptable practices. We will take reasonable steps to let users know about changes via our website. Your continued use of this site after any changes to this policy will be regarded as acceptance of our practices around privacy and personal information. If we make a significant change to this privacy policy, for example changing a lawful basis on which we process your personal information, we will ask you to re-consent to the amended privacy policy. This policy is effective as of January 1st, 2019. Privacy of Parent Organization / Debt Reduction Services Online Information Gathering Policy We value your privacy and understand its importance to you. 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 financial wellness program activities and fulfill information requests and responses to inquiries. The Information We Collect This notice applies to all information collected or submitted on the MoneyFit.org website. On some pages you can request to receive information or submit questions. The types of personal information collected at these pages are:

• Name
• Employer
• Address
• Email address
• Phone number

Within our online service request forms, you may submit extensive personal information about yourself beyond that which is listed above and includes, but is not limited to:

• Loan types
• Creditors Names
• Account Balance
• Monthly Payments and Interest Rates
• Account Status

The Way We Use Information

We use the personal information you provide about yourself to conduct our financial counseling sessions 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 and for regulatory and industry reports, 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 MoneyFit.org 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 opinions. There has been no compensation for these testimonials, nor has anyone been urged to provide a testimonial to MoneyFit.org in exchange for personal benefit. The testimonials are kept on file at our Corporate Headquarters.

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.

State Disclosures

Arizona

Not a loan company.

Illinois

Debt Reduction Services Inc. does not lend money.

Indiana

We do not lend money.

Kansas

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,

Suite 300 Topeka, Kansas, 66603

or by calling toll-free 1-877-387-8523

Maryland

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.

Mississippi

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.

New York

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.

Oregon

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.

Virginia

Debt Reduction Services, Inc. is licensed by the Virginia State Corporation Commission. License # DC-35

Client Privacy Policy

Information MoneyFit.org, a program of Debt Reduction Services, (hereinafter “Company”) is dedicated to protecting your privacy and providing you with the highest level of service. We respect your personal and financial information. We do not share your information with third parties unaffiliated with us. We only use and share information to perform our obligations under our agreement with you and as permitted or required by law. We are careful to use only accurate, current, and complete information. We will correct any erroneous information if you so request. We are also careful to protect the security of your information from third parties and unauthorized access. Please call us at 1-800-432-0310 or e-mail [email protected] if you have any questions or concerns about your personal or financial privacy.

We do not sell any information about our clients to anyone and we do not disclose any personal information about our clients, except as set forth in this notice, and as necessary or required to conduct our business and provide you with the services you have requested.

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.

Debt Reduction Services Inc. is a 501(c)(3) nonprofit organization that specializes in personal finance education, debt consolidation & debt relief. For more information call 1-877-688-3328.

How to Contact Us

Should you have other questions or concerns about these privacy policies, please call us at (800) 432-0310 or send us an email at [email protected].