Privacy Policy
This Privacy Policy describes how DebtHitman ("we," "our," or "us") collects, uses, and discloses information about visitors to debthitman.com (the "Site"). By using the Site, you agree to the practices described in this policy.
1. Information We Collect
1.1 Information You Provide Directly
When you use our interactive tools (such as the Debt Removal Action Plan generator) and submit your email address to receive a PDF report, we collect:
- Your email address
- Information you voluntarily enter into our tools (debt amounts, debt types, state of residence, age of debt, original creditor names, current collector names, and similar inputs)
- Any messages you send via our contact form
We do not require you to create an account to use most features of the Site.
1.2 Information Collected Automatically
When you visit the Site, we and our service providers automatically collect:
- Device information (browser type, operating system, device type)
- Usage information (pages visited, time spent, click paths, referring URLs)
- IP address and approximate geographic location
- Cookie and similar tracking technology data
2. How We Use Information
We use information collected to:
- Provide, operate, and improve the Site and our tools
- Send you the PDF reports and email content you request
- Analyze how visitors use the Site (via Google Analytics 4)
- Display relevant advertising (via Google AdSense and similar networks)
- Respond to your inquiries
- Comply with legal obligations
- Detect and prevent fraud or abuse
3. Cookies and Similar Technologies
The Site uses cookies and similar tracking technologies to:
- Essential cookies: needed for basic Site functionality
- Analytics cookies: used by Google Analytics 4 to understand Site usage (anonymized)
- Advertising cookies: used by Google AdSense and other ad partners to display relevant ads (see Section 5)
You can control cookies through your browser settings. Disabling cookies may affect some Site functionality.
4. Google Analytics
The Site uses Google Analytics 4 (GA4) to understand visitor behavior. GA4 collects information including pages visited, time on page, device information, and approximate geographic location. This information is processed by Google according to Google's Privacy Policy. You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
5. Third-Party Advertising (Google AdSense)
The Site uses Google AdSense to serve advertisements. Google may use cookies (including the DoubleClick DART cookie) to serve ads based on your prior visits to the Site or other websites. You can opt out of personalized advertising by visiting Google Ads Settings.
Third-party vendors, including Google, may use cookies to serve ads based on your visits to this and other websites. You can opt out of cookie-based advertising by visiting aboutads.info/choices.
6. Information Sharing
We do NOT sell your personal information. We share information only as follows:
- Service providers who help us operate the Site (e.g., email service providers, analytics providers, hosting providers)
- Advertising partners for the purpose of showing relevant ads (data is anonymized/aggregated where possible)
- Legal requirements when required by law, court order, or governmental request
- Business transfers if DebtHitman is acquired, merged, or sells assets (with notice to you)
- With your consent for any other purpose
7. Data Retention
We retain personal information only as long as necessary for the purposes described in this policy or as required by law. Email addresses you provide for our newsletter or PDF delivery are retained until you unsubscribe. Tool inputs (debt details) are processed in your browser and are not stored on our servers unless you submit them with your email.
8. Your Rights and Choices
Depending on your location, you may have rights regarding your personal information:
- Access: Request a copy of personal information we hold about you
- Correction: Request correction of inaccurate information
- Deletion: Request deletion of your personal information (subject to legal exceptions)
- Opt-out: Unsubscribe from marketing emails (link in every email) or opt out of personalized advertising (see Section 5)
- Data portability: Request your information in a portable format
To exercise these rights, contact us at the address in Section 13.
9. California Privacy Rights (CCPA)
California residents have additional rights under the California Consumer Privacy Act, including:
- Right to know what personal information we collect, use, and disclose
- Right to delete personal information
- Right to opt out of the sale of personal information (we do not sell personal information)
- Right to non-discrimination for exercising CCPA rights
To exercise these rights, contact us at the address in Section 13.
10. European Visitors (GDPR)
If you are in the European Economic Area, UK, or Switzerland, you have rights under GDPR including: access, rectification, erasure, restriction, portability, and objection to processing. You also have the right to lodge a complaint with your local data protection authority. Our legal basis for processing is generally legitimate interest (operating the Site) or consent (for marketing communications).
11. Children's Privacy
The Site is not directed to children under 13. We do not knowingly collect personal information from children under 13. If we learn we have collected such information, we will delete it.
12. Security
We implement commercially reasonable security measures to protect information collected. However, no system is fully secure. You acknowledge that information transmitted over the Internet involves risk and use the Site at your own risk.
13. Changes to This Policy
We may update this Privacy Policy. The "Last updated" date at the top will reflect changes. Material changes will be communicated via Site notice or email if appropriate.
14. Contact Us
For privacy questions, requests, or complaints, contact us at:
Email: privacy@debthitman.com
DebtHitman
[Mailing address]