Privacy Policy

Last Updated: March 8, 2026

At GotDebt.com ("we," "us," or "our"), we are committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website.

1. Information We Collect

Personal Information

We may collect personal information that you voluntarily provide to us when you:

• Use our debt calculators and tools
• Subscribe to our newsletter
• Contact us via email or contact form
• Request information about debt relief services

This information may include:

• Name and email address
• Phone number (if provided)
• Financial information entered into calculators (debt amounts, interest rates, etc.)
• Communication preferences

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device and browsing activity, including:

• IP address and browser type
• Operating system and device information
• Pages viewed and time spent on pages
• Referring website and search terms used
• Cookies and similar tracking technologies

2. How We Use Your Information

We use the information we collect to:

• Provide and improve our debt calculators and educational resources
• Connect you with appropriate debt relief service providers
• Send you newsletters and educational content (with your consent)
• Respond to your inquiries and customer service requests
• Analyze website usage and improve user experience
• Comply with legal obligations and protect our rights
• Prevent fraud and enhance website security

3. Information Sharing and Disclosure

Third-Party Service Providers

We may share your information with third-party debt relief companies and service providers when:

• You request to be connected with debt relief services
• You use our calculators and request professional assistance
• We believe a service provider can help address your specific debt situation

Affiliate Partners

GotDebt.com participates in affiliate marketing programs. When you click on links to debt relief companies and complete a consultation or enrollment, we may receive compensation. We only partner with reputable companies that we believe can genuinely help consumers with their debt challenges.

Service Providers and Vendors

We may share information with trusted third-party vendors who assist us in operating our website, conducting our business, or servicing you, including:

• Web hosting and analytics providers
• Email marketing platforms
• Customer relationship management (CRM) systems
• Payment processors (if applicable)

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities, such as a court order or subpoena.

4. Cookies and Tracking Technologies

We use cookies and similar tracking technologies to enhance your experience on our website. Cookies are small data files stored on your device that help us:

• Remember your preferences and settings
• Understand how you use our website
• Improve website functionality and performance
• Deliver relevant content and advertisements

You can control cookies through your browser settings. However, disabling cookies may limit your ability to use certain features of our website.

5. Third-Party Links

Our website contains links to third-party websites, including debt relief service providers. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party sites you visit.

6. Data Security

We implement appropriate technical and organizational security measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Data Retention

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law.

8. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information, including:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate or incomplete information
• Deletion: Request deletion of your personal information
• Opt-Out: Unsubscribe from marketing communications at any time
• Data Portability: Request your data in a portable format

To exercise these rights, please contact us using the information provided below.

9. California Privacy Rights

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA), including:

• The right to know what personal information we collect, use, and share
• The right to request deletion of your personal information
• The right to opt-out of the sale of your personal information
• The right to non-discrimination for exercising your privacy rights

We do not sell personal information in the traditional sense, but we do share information with affiliate partners as described in this policy.

10. Children's Privacy

Our website is not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

11. International Users

Our website is operated in the United States. If you are accessing our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where privacy laws may differ from those in your country.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last Updated" date. Your continued use of our website after such changes constitutes your acceptance of the updated policy.

13. Contact Us

By using GotDebt.com, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.