Privacy Policy

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Privacy Policy for Guardian Debt Resolutions

Effective Date: 01/01/2025

At Guardian Debt Resolutions, accessible from www.guardiandebtresolutions.com, protecting your privacy is one of our top priorities. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with data protection laws including the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), and other applicable laws.

If you have any questions about this Privacy Policy or our data practices, please contact us using the contact information provided at the end of this policy.

We may collect the following types of personal data:

• Personal Identification Information: Includes your name, email address, phone number, and any other information you provide when you contact us or request services.
• Payment Information: Includes billing details, such as credit card numbers and billing addresses (processed through secure third-party providers).
• Log Data: Includes IP address, browser type, page views, and interactions with our website.
• Cookies and Tracking Technologies: We use cookies to personalize and improve your experience on our website.

Under the GDPR, we process your personal data based on the following legal grounds:

• Consent: When you provide consent for us to collect and process your personal data (e.g., when subscribing to our newsletter or requesting a quote).
• Contractual Necessity: To fulfill a contract with you, such as processing a debt resolution service request.
• Legitimate Interests: To improve our services, for marketing purposes, and to enhance our website experience.
• Legal Obligation: If required by law or regulation.

We use the information we collect for the following purposes:

• To provide and manage our debt resolution services.
• To process transactions and communicate with you about your account.
• To improve, personalize, and optimize our website and services.
• To send you marketing communications (if you have opted in).
• To comply with legal requirements and protect our rights.

Under the GDPR and CCPA, you have specific rights related to your personal data:

• Access: You have the right to request information about the personal data we hold about you.
• Correction: You can request that we correct any inaccurate or incomplete information.
• Deletion: You have the right to request that we delete your personal data, subject to certain legal exceptions.
• Data Portability: You may request a copy of your data in a structured, commonly used, and machine-readable format.
• Opt-Out (CCPA): You have the right to opt-out of the sale of your personal information. (Note: If you sell personal data, a “Do Not Sell My Personal Information” link should be provided)
• Object to Processing (GDPR): You can object to the processing of your data based on legitimate interests.
• Withdraw Consent (GDPR): If we process your data based on consent, you have the right to withdraw your consent at any time.

To exercise your rights, please contact us at [Insert Contact Information].

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, or as required by law. For example, we may retain payment information for a period of time required for legal, tax, or accounting purposes.

We implement a range of physical, technical, and administrative safeguards to protect your personal data from unauthorized access, loss, or alteration. While we strive to protect your data, no method of transmission over the internet or electronic storage is completely secure.

We may share your personal data with third parties in the following circumstances:

• Service Providers: We may share your data with third-party vendors that help us process transactions, provide customer support, or conduct marketing campaigns.
• Legal Requirements: We may disclose your data to comply with applicable laws, regulations, or legal processes.
• Business Transfers: In the event of a merger, acquisition, or asset sale, your personal information may be transferred.

We use cookies to enhance your experience on our website. Cookies are small text files stored on your device that help us track your preferences and improve the website's functionality. You can control cookie settings through your browser, but disabling cookies may affect your experience on our site.

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

We do not knowingly collect personal data from children under the age of 13. If we become aware that we have inadvertently collected data from a child, we will take steps to delete that information as quickly as possible.

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and we will update the "Effective Date" accordingly. We encourage you to periodically review this Privacy Policy to stay informed about how we are protecting your information.

If you have any questions or concerns about this Privacy Policy, or if you wish to exercise your rights, please contact us at:

Guardian Debt Resolutions
Email: contact@guardiandebtresolutions.com
Phone: 917-379-4863
Website: www.guardiandebtresolutions.com

• For GDPR Compliance: Ensure that you identify the Data Controller (typically the company). Also, if you process sensitive data, ensure additional provisions are added to protect that.
• For CCPA Compliance: If you sell personal information (e.g., for advertising purposes), you must include the "Do Not Sell My Personal Information" option. Otherwise, you can omit this.
• For International Transfers: If you transfer personal data outside the EU or to other countries, you should include the details on how that data is protected (e.g., Standard Contractual Clauses for transfers outside the EU).

This privacy policy now includes more specific details for GDPR, CCPA, and general privacy regulations. I recommend having it reviewed by a legal expert to ensure full compliance with all applicable laws.