Who We Are

PayingPaul.Com
PO Box 06176
Chicago, IL 60606

PayingPaul.Com is a website dedicated to giving people information about credit and bankruptcy topics. Additionally, PayingPaul.Com matches people interested in getting help with their debt with an affiliate company for help. Visitors can request information and a consultation from our affiliate debt company on our site by filling out a form.

Once you have completed this expression of interest, your information will be forwarded to PayingPaul.Com’s affiliate debt company. At that time, a debt consultant with contact you by telephone and email to assess your situation. If there is not a debt relief company that PayingPaul.Com feels matches your criteria, your information may also be sent to another company that PayingPaul.Com feels has a product or service that may be able to assist you with your current financial situation. By submitting your expression of interest, you are consenting to receive telephone calls even if you are currently on the “Do Not Call” registry or if the number you provide is a corporate or business phone number. PayingPaul.Com does not actually provide debt relief services, except in that we match consumers with a company in the credit and debt industry.

Information Collection and Use

Please note that this pledge applies only to sites maintained by PayingPaul.Com and not to web sites maintained by other companies or organizations to which we link. In addition, this policy applies only to information collected by PayingPaul.com online. We may share the personal information that you supply to us to other third party businesses to bring selected retail opportunities to our Consumers via direct mail, email and telemarketing. These third party businesses may include providers of direct marketing services and applications, including lookup and reference, data enhancement, suppression and validation and email marketing. You can browse the PayingPaul.Com site at anytime without revealing any personal information about yourself. There are, however, several areas on our web site where we collect personal information from you on a voluntary basis. Personal information is information about you that is personally identifiable, such as your name, address, the amount you owe in debt, your email address, or phone number that is not otherwise publicly available. This information helps us serve you better by enabling us to fulfill your requests for information and services related to debt help.

We may collect personal information when you submit a form requesting a free consultation from our affiliate debt company.

In addition, we may receive information about you from other sources, such as service providers, for tracking purposes. We may add the information we receive about you to your existing account. Like other web sites, we also automatically receive and record certain types of information every time you visit us. We use "cookies" and the other information to enhance your experience and present you with personalized offers. Any information that we collect via cookies and action tags is completely anonymous.

Legal Protection

We respond to subpoenas, court orders, or legal process, and will establish or exercise our legal rights and defend against legal claims. We believe it is necessary to share information in order to investigate, prevent, or take action regarding illegal activities, suspected fraud, situations involving potential threats to the physical safety of any person, violations of PayingPaul.Com’s Terms of Service, or as otherwise required by law.

Business Transfer

As with any other business, it is possible that PayingPaul.Com in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by PayingPaul.Com, including customer account information. The successor company would continue to be bound by this Privacy Policy unless you consent otherwise.

Minors

You must be at least 18 years old to use this web site. We do not knowingly collect, use, or disclose personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the services offered on our web site only in conjunction with your parents or guardians. Please see our Terms of service for more information.

Cookies and IP Addresses

To serve you more efficiently and effectively, we use "cookies" technology. A cookie is a piece of data stored on the user’s hard drive that contains information about the user. Usage of a cookie is in no way linked to any personal information while on our site. Once the user closes their browser, a cookie simply terminates. Cookies enable a web site to "personalize" itself for each user and reduce the time it takes for pages to load on your computer. In order to optimize your experience, cookies also help with the collection of customer tracking data. We may also capture customer tracking data on some of our partner's web sites, realted to activity involved with the completion of offers listed on our web site. This information is used to monitor the performance of our partners. We also keep track of Internet Protocol (IP) addresses. An IP Address is a number that is used by computers on the network to identify your computer every time you log on to the Internet.

Opting-Out

You may register to receive communications from us directly on our web site or through a third party. After registering, we may periodically send you newsletters and other e-mails featuring special offers, promotions, and other member-only benefits. If you no longer wish to receive these communications, please let us know by clicking on the unsubscribe link in our emails which contain unsubscribe links. Our email database is updated continually. However, you may continue to receive email communications from us up to ten business days from the time we receive your unsubscribe request. Please note that PayingPaul.com can only control its own mailing list and policies. Our affiliate debt company may maintain their own mailing lists may send communications that advertise our services, and you may need to contact these parties directly in order to stop receiving their email communications.

Third Party Links

This Privacy Policy applies to all information that you provide to PayingPaul.Com. However, when you visit web sites to which PayingPaul.Com provides a link, keep in mind you will be interacting with a third party that operates under its own privacy and security policy. If you choose to obtain certain services through a third party site, the data collected by the third party is governed by that third party's privacy policy. A third party site will also have its own policy regarding the use of cookies and clear gifs. We encourage you to review the privacy policies of any other service provider from whom you request services.

If PayingPaul.Com receives personal information from a third party that is not in conjunction with a service offered on our site, the use and disclosure of such information is governed by the agreement (if any) between PayingPaul.Com and said third party.

Updating Your Information

If you want to access or update the personal information you submitted to PayingPaul.com please e-mail us at payingpaul@payingpaul.com or write us at the following address.

PayingPaul.Com
PO Box 06176
Chicago, IL 60606

Questions and Suggestions

If you have any questions, concerns or suggestions about our Privacy Policy, you may contact us:
(1) By sending an email to:payingpaul@payingpaul.com
(2) By sending a letter to:

PayingPaul.Com
PO Box 06176
Chicago, IL 60606

Changes to this Privacy Policy

PayingPaul.Com may update or modify this Privacy Policy. If there are material changes to this Privacy Policy or in how PayingPaul.Com will use your personal information, we will post such changes here. You will be notified if any of the material changes affect the use of your personal information and asked to opt-in to the new use of your personal information. If you do not agree with the changes to how your information will be used, please do not continue to use this web site

By using this site, you signify your assent to the PayingPaul.Com Privacy Policy. If you do not agree to this policy, please do not use the PayingPaul.Com site. When you request quotes or request to be contacted through PayingPaul.Com or our other sites that we operate, you are authorizing us to share information with our business partners who will contact you by phone, email, or mail. If you do not want further communication from them, please notify the partner directly. We reserve the right to make changes in this policy at any time. Please check the policy each time you use our web site to ensure you are aware of any changes in our privacy practices. Our Privacy Policy will indicate the date it was last updated. Your continued use of our site will signify your acceptance of the changes to our Privacy Policy.

Please print and retain a copy of this Privacy Policy for your records.