NetDebt Privacy and Security Policy

The NetDebt.com Website

This NetDebt.com website (the "Website") is owned and operated by NetDebt LLC ("NetDebt," "we," or "us"), located at 27651 La Paz Road, Suite A, Laguna Niguel, CA. 92677 and can be contacted via email at privacy@netdebt.com or by telephone at (877) 998-DEBT (3328).

Privacy Of Your Information

This Privacy Policy describes how NetDebt treats the information that we collect from visitors ("you") to the Website. Your privacy and the security of your information are very important to us. We are dedicated to protecting the privacy of those who visit our Website. This Privacy Policy governs the Website and explains how your information is collected on our Website, how your information is protected, and the choices you have concerning the use of such information. Please read this Privacy Policy carefully.

This Privacy Policy applies only to NetDebt's receipt and use of your information. As explained in detail in the debt settlement program enrollment contracts, NetDebt markets the debt settlement services of the Mito Law Firm (the "Law Firm") located at 27651 La Paz Road, Suite A, Laguna Niguel, CA. 92677 in exchange for a marketing fee that is paid to NetDebt by the Law Firm. NetDebt is neither affiliated with the Law Firm nor participates in, administers or has any responsibilities or obligations regarding your debt settlement program and its success or failure. When you decide to enroll in the Law Firm's debt settlement program, your information is collected on our Website and forwarded to the Law Firm for the purpose of processing your enrollment. The Law Firm's privacy policy covers the treatment of your information once it is received thereby. By filling out and attaching your e-signature to the enrollment contracts on our Website, you expressly consent to NetDebt sharing the information included in such contracts with the Law Firm.

We may amend this Privacy Policy from time to time. We will post any changes to this Privacy Policy here so that you will always know what information we gather, how that information may be used, and whether that information will be disclosed to anyone. Please refer back to this Privacy Policy on a regular basis. By using our Website or any of our products, offerings, features, tools or resources that we provide on our Website, you agree to the terms of this Privacy Policy.

PLEASE NOTE: ALTHOUGH WE WORK HARD TO PROTECT THE PRIVACY OF YOUR PERSONAL INFORMATION, WE CANNOT GUARANTEE THAT YOUR PERSONAL INFORMATION WILL REMAIN PRIVATE. PROVIDING PERSONAL INFORMATION TO NETDEBT THROUGH THIS WEBSITE IS VOLUNTARY AND, IF YOU DO SO, YOU DO SO AT YOUR OWN RISK. YOU CAN ALWAYS CHOOSE NOT TO PROVIDE US WITH YOUR PERSONAL INFORMATION, EVEN THOUGH IT MIGHT BE NEEDED TO TAKE ADVANTAGE OF A SERVICE.

Personal Information Sharing Policy TRUSTe Certification

NetDebt is a licensee of the TRUSTe Privacy Program. TRUSTe is an independent, non-profit organization whose mission is to build consumers' trust and confidence in the Internet by promoting the use of fair information practices. This privacy statement covers the Web site www.netdebt.com. .Because we want to demonstrate our commitment to your privacy, we have agreed to disclose our information practices and have our privacy practices reviewed for compliance by TRUSTe. By displaying the TRUSTe trust mark, we have agreed to notify you of the following:

1. What information about me is collected on our Website and how is it collected?
2. What does our Website do with the information it collects?
3. Does our Website collect information from minors?
4. When does our Website disclose information to third parties?
5. Does this privacy policy apply when I link to other websites?
6. Is the information collected on our Website secure?
7. What choices do I have regarding the collection, disclosure and distribution of personally identifiable information?
8. Can I update or correct my personally identifiable information?
9. How will I know if there are any changes to this privacy policy?
10. Who do I contact if I have any privacy questions?

If you have any questions or concerns regarding this statement, you should first contact us by clicking here http://www.netdebt.com/contact. If you do not receive acknowledgment of your inquiry or your inquiry has not been satisfactorily addressed, you should then contact TRUSTe at http://www.truste.org/consumers/watchdog_complaint.php. TRUSTe will then serve as a liaison with us to resolve your concerns.

1. What Information About Me Is Collected On Our Website And How Is It Collected?

We collect two types of information: (a) personally identifiable information and (b) non-personally identifiable information.

1. Personally Identifiable Information

   Personal information is information about you, the user, that is personally identifiable like your name, address, email address, or phone number, and that is not otherwise publicly available. Personally identifiable information is information about you, the user, that is required to enroll you in the Law Firm's debt settlement program marketed through this Website. During the online enrollment process we collect a wide variety of personal and financial data including, but not limited to:

   • Debt Information (Credit Card / Loan Account Numbers & Balances)
   • Personal Information (Social Security Number, Address, Phone, Email, Salary, Pay Period, Employer, Occupation, Industry)
   • Demographic Information (Age, Birth Date, Gender)
   • Budget Information (Assets, Monthly Expenses, Other Income)

This personal information is stored by us and shared with the Law Firm for the purpose of enrolling users in the Law Firm's debt settlement program. Debt information is used to qualify you for the program and to ultimately make debt settlement payments on your behalf. Budget information is collected to provide you with an overview of where your money is spent and is required by your creditors. If you do not complete the online enrollment process, we keep any data that you provide for us in a secure and protected manner for internal analysis only.

2. Non-Personally Identifiable Information: Cookies and Web Beacons

   We automatically receive and record non-personally identifiable information on our server logs from your browser, including your IP address, cookie information, and the pages you request. Specifically, NetDebt uses "cookies" (small files placed on your hard drive) on certain pages of the Website to help analyze our web page flow, customize our services, measure promotional effectiveness, and promote trust and safety. A few important things you should know about cookies are that:

• We offer certain web features that are only available through the use of cookies.
• We use cookies to help identify you and maintain your signed-in status.
• Most cookies are "session cookies," meaning that they are automatically deleted from your hard drive at the end of a session.
• You are always free to decline our cookies if your browser permits, although doing so may interfere with your use of the Website.
• You may encounter cookies from third parties on certain pages of the Website that we do not control.

Our Website also contains electronic images or "web beacons," that allow us to count page views or to access our cookies. In general, any electronic image viewed as part of a web page, including an ad banner, can act as a web beacon. Our web beacons do not collect, gather, monitor or share any personal information about our Website visitors, they are just the technique we use to compile our anonymous, aggregated statistics about Website usage, to fulfill your requests for products and services, improve our services, contact you, and conduct research.

2. What Does Our Website Do With The Information We Collect?

1. Use of Information

   In general, we use the information collected on our Website to help us understand who uses our Website and how it is used, to personalize your online experience, to facilitate your enrollment in the Law Firm's debt settlement program, to assist you in using our online services, and to improve our Website. If you become a registered user of our Website, we may use your information to send you a welcoming email that may confirm your user name and password. We may send you electronic newsletters, contact you about products, services, information and news that may be of interest to you, and provide you with targeted feedback. We may also use the information gathered on our Website to perform statistical analysis of user behavior, enrollment behavior, or to evaluate and improve your online experience. We may link some of this information to personally identifiable information for internal purposes only.

2. Opt-out Policy

   If you prefer that we do not send you email communications or telephone messages, you may opt-out of those services, that is, you may direct us not to use your email address as part of our marketing efforts for new products and services. If you wish to opt-out of email communications, you may do so by emailing privacy@netdebt.com, or by replying to an existing email with your request to be removed from the mailing list or by calling (877) 998-DEBT (3328). In addition, if you identify yourself to us by sending us an email with questions or comments, we may use your information (including personally identifiable information) to respond to your questions or comments, and we may file your questions or comments for future reference.

3. Does Our Website Collect Information From Minors?

We are committed to protecting the privacy of individuals under the age of 18 (minors). Our Website is not designed for or directed to minors. We do not collect personally identifiable information from any person we actually know is under the age of 18. We urge all parents or guardians to participate in their children's exploration of the internet, and to teach their children about protecting their personal information while online.

4. When Does Our Website Disclose Information To Third Parties?

When you decide to enroll in the Law Firm's debt settlement program, NetDebt forwards your personal information that is collected on our Website to the Law Firm for the purpose of processing your enrollment. Other than sharing your personal information with the Law Firm (which is necessary to enroll you in the Law Firm's program), NetDebt does not disclose any personally identifiable information about you to third parties (including our affiliates) without your consent; however, we reserve the right to disclose your personally identifiable information as required by law and when we believe that disclosure is necessary to protect our rights and/or to comply with a judicial proceeding, court order, or legal process served on our Website.

Personally identifiable information about you will be disclosed by the Law Firm to third parties only as described in the Law Firm's Gramm Leach Bliley Act Privacy Notice. This Privacy Notice will be provided to you on our Website during the online enrollment process. The Privacy Notice discloses that all of the information collected on our Website may be disclosed by the Law Firm to third parties in accordance therewith unless you instruct otherwise (called "opt out"). To review the full Privacy Notice of the Law Firm and for all of the details and directions on how to "opt out".

5. Does This Privacy Policy Apply When I Link To Other Websites?

Our Website contains links to other websites not owned or operated by us. Please be aware that we are not responsible for the privacy practices of such websites. We encourage you to be aware when our Website links to other websites and to read the privacy policies or statements of each and every website. This Privacy Policy applies solely to information collected by our Website.

6. Is The Information Collected On Our Website Secure?

1. Internet Security

   We want your information (especially your personal information) to remain as secure as possible. We strive to provide secure transmission of your information from your computer to our servers through industry-standard techniques. To help ensure the integrity and privacy of the information you provide to us via the internet we use Secured Socket Layer (SSL) encryption technology in transmitting such information to our servers. We secure your information on servers located in controlled, secure environments, protected from unauthorized access, use, or alteration.

2. Employee Access To Your Information

   Only employees who need access to your information to perform a specific task or function are granted access to such information. Sensitive information is encrypted within our database, to ensure internal security. In addition, all of our employees must abide by this Privacy Policy and are kept up-to-date on security practices. Any employee who violates this Privacy Policy is subject to disciplinary action, up to and including termination.

3. c. Account Protection

   Your username and password are the keys to your Website account. For your password, use unique numbers, letters, and special characters and do not disclose your password to anyone. If you do share your username and password or your personal information with others, remember that you are responsible for all actions taken in the name of your account. If you lose control of your password, you may lose substantial control over your personal information and may be subject to legally binding actions taken on your behalf. Therefore, if your password has been compromised for any reason, you should immediately notify us and change your password.

4. No Guarantee Of Protection

   Notwithstanding the above commitments to protect your information from loss, misuse or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the internet. There is also some risk that others could find a way to thwart our security systems. As a result, while we strive to protect your information, we cannot ensure or warrant the security and privacy of any information you transmit to us, and you do so at your own risk.

7. What Choices Do I Have Regarding The Collection, Disclosure And Distribution Of Personal Information?

As discussed above in part 2(b) and further explained in the Law Firm's Privacy Notice provided to you on our Website during the online enrollment process, you may "opt out" of sharing your personally identifiable information with third parties. To review the Law Firm's Privacy Notice and for all of the details and directions on how to "opt out"

Can I Update Or Correct My Personal Information?

You can always contact us in order to update, correct or delete your personally identifiable information or change your preferences with respect to communications and other information you receive from us by calling Customer Services at (877) 998-DEBT (3328). Alternatively, you may update, correct or delete your personally identifiable information by logging into your password protected account at https://www.netdebt.com/myaccount

You should be aware that it is not technologically possible to remove each and every record of the information you have provided to us from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your personally identifiable information may exist in a non-erasable form that will be difficult or impossible for us to locate. We promise that promptly after receiving your request, all personally identifiable information stored in marketing databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as reasonably practicable.

8. How Will I Know If There Are Any Changes To This Privacy Policy?

If we decide to change this Privacy Policy, we will post those changes on our Website so you are always aware of what information we collect, how it is used, and under what circumstances, if any, it is disclosed. If at any point personally identifiable information will be used in a manner significantly different from that stated in this Privacy Policy, or otherwise disclosed to you, at the time it was collected, we will prominently post any changes on our website for 30 days prior to any change. We may also make non-significant changes to our Privacy Policy that generally will not affect our use of your personally identifiable information. If you do not agree to the terms of this Privacy Policy, you should refrain from using our Website.

10. Who Do I Contact If I Have Any Privacy Questions Or Complaints?

If you have any questions about our Privacy Policy or feel that we are not abiding by the terms of our posted Privacy Policy, please contact us by sending an email to us at privacy@netdebt.com, calling us at (877) 998-DEBT (3328) or sending us a letter at the above-referenced address.

NetDebt Customer Service
27651 La Paz Road, Suite A
Laguna Niguel, CA. 92677

Last Updated on 2/11/2009