Your privacy is important to us. This Privacy Policy describes how Clarity Debt Resolution, Inc., its subsidiaries, and its affiliates (“the Company,” “Clarity,” “We,” “Us,” or “Our”) collect, use, protect, and disclose your Personal Information, as well as your rights regarding this information. This policy governs the personal Information we collect through our website, usclarity.com (“Site”), and through other means, including Clarity apps, to provide our services or conduct business activities (collectively, “Services”). This Site and Services are intended only for residents of the United States. This policy may be modified or updated from time to time (see Section 11. Changes to Our Privacy Policy). Your continued use of this Website after we make modifications is deemed to be an acceptance of those changes. Please check the policy periodically for updates.
This Privacy Policy includes the following information:
➢ A description of the personal information we collect and generate;
➢ A description of how we use your personal information;
➢ A summary of who we share personal information with and the context in which it is shared;
➢ An explanation of how we use online tracking technologies, such as cookies, and our practices relating to interest-based advertising;
➢ How you can communicate your privacy choices;
➢ Information for California and Nevada residents;
➢ How we protect your information; and
➢ Other important information.
This Privacy Policy applies to information collected, on this Website; via email, text, and other electronic messages between you and this Website; through mobile and desktop applications you download from this Website – which provide dedicated non-browser-based interaction between you and this Website; and when you interact with our advertising and applications on third-party websites and services, if those applications or advertising include links to this policy.
The Privacy Policy does not apply to information collected, by us offline or through any other means, including on any other website operated by the Company or any third party (including our affiliates and subsidiaries); or collected by any third party (including our affiliates and subsidiaries), including through any application or content (including advertising) that may link to or be accessible from or on the Website.
Please read this Privacy Policy carefully before using the Site or Services. By using the Site or Services, you acknowledge that you have read, understood, and agree to be bound by all terms and conditions of this policy, in addition to our Terms of Use.
We may collect and utilize the following types of Personal Information. The information that personally identifies, describes, relates to or can be associated with you (“Personal Information”) may vary based on your relationship with us and the types of Services you choose. Categories of Personal Information we may collect include:
➢ Identifiers
• First name, last name
• Telephone/mobile number
• Email address
• Physical or postal address
• Unique personal identifier (e.g., social security number, driver’s license number)
• Online identifier (e.g., IP address, username, social media handle)
➢ Customer Records Information
• Name, signature
• Social security number
• Address, telephone number
• Passport number
• Driver’s license or state identification card number
• Insurance policy number
• Education and employment history
• Bank account number, credit or debit card number
• Other financial information
• Medical information and health insurance information
➢ Characteristics of Protected Classifications Under California or Federal Law
In compliance with California and federal law, we recognize and protect various classifications, including age, mental and physical disabilities, sex, sexual orientation, gender identity, medical information, marital status, and military status.
We are committed to transparency regarding the information we collect about your internet and electronic network activity. This includes device identifiers, internet protocol (IP) addresses, browsing history, and details about your interactions with our website, applications, or advertisements.
We prioritize your rights and aim to protect your personal information while providing our services.
➢ Geolocation Information:
This includes location data generated by consumer devices capable of connecting to the Internet, which can directly identify the precise physical location of an individual at specific times.
➢ Financial Information:
To deliver our Services, we may collect essential financial details, including bank and credit account information, income records, and employment data.
This information is crucial for assessing eligibility and providing tailored solutions.
➢ Commercial Information:
We maintain records of personal property, products or services purchased, and purchasing or consumption histories to enhance our Services and understand customer needs better.
➢ Professional or Employment Information:
This encompasses employment status, education, employment history, job descriptions, and business information, which may be relevant for service provision and compliance purposes.
➢ Inferences Drawn from Other Personal Information:
We may profile a consumer’s preferences, characteristics, psychological trends, behaviors, attitudes, intelligence, abilities, or aptitudes based on the information we collect. This helps us tailor our Services to better meet your needs.
➢ Personal Information Described in Cal. Civ. Code § 1798.80(e):
This includes any additional Personal Information collected under the categories mentioned above, ensuring compliance with California privacy laws.
We are committed to handling your Personal Information responsibly and in accordance with applicable laws and regulations.
We collect your Personal Information directly from you when you enter it or otherwise provide it in connection with an inquiry into our Company and/or Services. This information could be provided via an online form, over the phone, or via other means in which you interact with our Company. Your Personal Information is also collected when you sign our contract to become an account holder.
We may obtain your personal information from other sources, such as credit bureaus, our service providers, lead generators, our customers, lenders, and other partners. The information that we receive from other sources may include contact information, demographic information, consumer credit reports, credit history, credit scores, and other consumer reports/credit information, financial information (e.g., information about an account and the terms, amount, usage, or disposition of a loan or other financial product received from, for example, an affiliate or partner), and internet or other electronic network activity information.
Additionally, we may obtain Personal Information from third-party data sources, including data analytics partners and service providers that assist us in maintaining our website and delivering our Services.
We also collect your Personal Information through tracking technologies such as cookies when you visit our website. We utilize cookies that are strictly necessary for the operation of our website and the provision of our Services. Functional cookies may be employed to enable specific features, allowing us to remember your preferences and avoid requiring you to re-enter information on subsequent visits. Furthermore, we use analytical cookies to gain insights into website functionality and user interactions. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent. If you do so, please note that some parts of our Website may not function properly. Please see the section below, “Information We Collect Through Automatic Data Collection Technologies,” for more information.
Please note that we do not utilize technology that recognizes “do-not-track” signals or global privacy settings from your browser, as our tracking is limited to aggregate statistical purposes only.
Information We Collect Through Automatic Data Collection Technologies:
As you navigate through and interact with our Site, we may use automatic data collection technologies to collect certain information about your equipment, browsing actions, and patterns, which may include, details of your visits to our Site, including traffic data, location data, logs, and other communication data and the resources that you access and use on the Website; and information about your computer and internet connection, including your IP address, operating system, and browser type. The information we collect automatically may include Personal Information, or we may maintain it or associate it with personal information we collect in other ways or receive from third parties.
The information we collect through automatic data collection helps us to improve our Website and to deliver a better and more personalized service, by enabling us to estimate our audience size and usage patterns; store information about your preferences; allow us to customize our Website according to your individual interests; speed up your searches; and recognize you when you return to our Website.
➢ The Technologies We Use for This Automatic Data Collection:
We may share non-SMS-related Personal Information with trusted service providers for business operations or as required by law. However, phone numbers and SMS-related data are treated as strictly confidential and will never be disclosed to third parties for any purpose outside of necessary communication services.
We may share your Personal Information with authorized third-party service providers who are under contract to perform specific services on our behalf. This includes your identifiers, customer records, protected classifications, internet activity, geolocation, commercial information, professional details, employment history, and consumer inferences. These services may encompass communications, account holder assistance, customer service, processing customer care and opt-out requests, performing business and website analytics, and maintaining our website. Such sharing is essential for our daily business operations, and you cannot limit this sharing unless you choose to cancel your account.
We will disclose and share your Personal Information as directed by you and with your consent, as specified in your account holder agreement with Clarity. Additionally, we may disclose your Personal Information to protect the safety, property, or legal rights of our Services and account holders, prevent fraud, and manage our technology infrastructure and security. We will also disclose your Personal Information as required by law, in response to legal processes, court orders, or investigations, including requests from law enforcement and credit bureaus. Furthermore, we may share your Personal Information with any entity that may acquire all or part of our business or assets or in connection with any change in control of Clarity.
The information we collect is used for the following purposes:
SMS Consent and Use of Phone Numbers
In alignment with TCR compliance, we emphasize the following:
Opting Out & Unsubscribing
If you no longer wish to receive marketing email communications, you can easily unsubscribe by clicking the unsubscribe link located at the bottom of any email. For further assistance, you can email us at unsubscribe@usclarity.com.
To stop receiving text messages, simply text STOP, QUIT, END, CANCEL, or UNSUBSCRIBE to our messaging number. You will receive a one-time confirmation text indicating that you have successfully unsubscribed. If you need help or have additional questions, please text HELP or contact us via email: unsubscribe@usclarity.com. We respect your preferences and are committed to ensuring your choices regarding communication are honored.
Retention of Personal Information
Clarity will retain your Personal Information only as necessary to provide our Services as outlined in this Privacy Policy. We may retain aggregated information for internal analytical purposes to enhance our website and Services; this retention is typically for a short duration unless the information is needed for security improvements or if we are legally required to retain it for a specific period.
We will also retain and use your Personal Information to comply with legal obligations, applicable laws, resolve disputes, and enforce our legal agreements and policies. Our practices are designed to ensure compliance with industry regulations, including those related to consumer protection and data retention.
Transfer of Personal Information
Personal Information collected for our Services is processed at Clarity’s operating offices and other locations involved in handling Personal Information. Your Personal Information may be transferred to and stored in systems located outside your state, province, country, or other governmental jurisdictions, where data protection laws may differ from those in your location.
By continuing to use this website, signing up as an account holder, or submitting an inquiry through this website, you acknowledge and consent to this Privacy Policy and agree to the transfer of your Personal Information as necessary to provide our Services. We are committed to ensuring that your Personal Information is handled securely and in compliance with applicable laws.
We take the security of your Personal Information seriously and will implement all reasonable measures to protect it in accordance with this Privacy Policy. We will not transfer your Personal Information to any organization or country that does not provide adequate safeguards for its security.
We are committed to continuously improving our security practices to protect your data. We have implemented measures designed to secure your personal information from accidental loss and from unauthorized access, use, alteration, and disclosure. All information you provide to us is stored on our secure servers behind firewalls.
The safety and security of your information also depend on you. Where we have given you, or where you have chosen, a password for access to certain parts of our Website, you are responsible for keeping this password confidential. We ask you not to share your password with anyone.
Unfortunately, the transmission of information via the internet is not completely secure. While we strive to use commercially acceptable means to protect your Personal Information, please be aware that no transmission or storage method can be guaranteed to be completely secure. We cannot guarantee the security of your personal information transmitted to our Site. Any transmission of personal information is at your own risk. We are not responsible for circumvention of any privacy settings or security measures contained on the Website.
California Consumer Privacy Act (CCPA)
On January 1, 2020, the California Consumer Privacy Act secured new privacy rights for California consumers. This act provides California residents with broad rights with respect to their personal information and imposes significant new obligations on covered businesses.
You may make these requests related to your California privacy rights by sending an email to unsubscribe@usclarity.com when you make a request, we may ask you to provide verifying information, such as your name, email, or phone number. We will review the information provided and may request additional information via email or other means to ensure we are interacting with the correct individual. Please also be aware that making any such request does not ensure complete or comprehensive removal or deletion of personal information or content you may have posted, and there may be circumstances in which the law does not require or allow us to fulfill your request.
California residents may have additional personal information rights and choices. Please see California Privacy Rights for more information.
In addition to the CCPA, California’s “Shine the Light Law” (Civil Code Section 1798.83) permits users of our Website who are California residents to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please email unsubscribe@usclarity.com
Nevada Residents’ Privacy Rights
If you are a resident of Nevada, you have additional rights regarding the control of your Personal
Information. Certain exemptions may apply. Our third-party service providers may utilize technologies that could be considered a “sale” of Personal Information under applicable law. You have the right to instruct us not to sell or share your Personal Information for targeted or crosscontext behavioral advertising purposes. If you wish to opt out of the use of your Personal Information for interest-based advertising and potential sales as defined by law, you may do so by calling (855) 242-8888. We will process your requests within 15 business days of receipt, subject to any applicable exceptions and extensions permitted by law. Please note that any optout request is specific to the browser you are using, and you may need to opt-out on each browser you utilize.
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personally identifiable information from anyone under this age. If you are a parent or guardian and believe that your child has provided us with Personal Information, please contact us immediately at contactus@usclarity.com.
In the event that we discover we have collected Personal Information from a child under 18 without verified parental consent, we will take prompt action to delete that information from our systems. We are committed to protecting the privacy of children and ensuring compliance with applicable laws.
We retain personal information about you for as long as necessary to provide you with our Services. In some cases, we retain personal information for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, prevent fraud, enforce this Privacy Policy, or as otherwise permitted or required by applicable law, rule or regulation. Afterwards, we retain some information in a de-identified and/or aggregated form but not in a way that would identify you personally.
By contacting us you are consenting to being contacted by us or by our business partners in return, through any means, based on the information you provide, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution.
The Company is designed to provide services in the United States and is governed by the laws of the United States. All Company Services may not be available in every U.S. state or territory.
We make no representation that the Company’s services are governed by or operated in accordance with the laws of any other nation or foreign jurisdiction.
We reserve the right to modify this Privacy Policy as necessary to comply with applicable laws and regulations. We encourage you to review this policy regularly for any updates. Unless otherwise specified, changes will take effect immediately upon posting. By continuing to use our Sites or Services, you acknowledge and accept these changes.
If we determine that a modification will result in the use of your Personal Information in a materially different manner than previously disclosed, we will notify you prior to implementing the new use. In the event of changes related to SMS consent or the use of phone numbers, we will directly inform affected individuals or update our website accordingly.
It is your responsibility to ensure that we have an active and deliverable email address for you. We also recommend periodically checking our Sites and this Privacy Policy for any updates. The date of the most recent revision to this Privacy Policy is indicated at the top of this page.
To ask questions or comment about this privacy policy and our privacy practices, please email us at compliance@usclarity.com.
To register a complaint or concern, please email contactus@usclarity.com or write to us at 17875 Von Karman Ave., Ste 150-250 Irvine, CA 92614, ATTN: Compliance Team.
DISCLAIMER: Clarity Debt Resolution does not discriminate based on race, color, religion, gender, gender identity, marital status, sexual orientation, national origin, or ancestry. All calls with Clarity Debt Resolution may be recorded or monitored for quality assurance and training purposes. Clarity Debt Resolution is BBB Accredited with a B rating, reflecting our commitment to trust and transparency with our clients. Clients who make all their monthly program deposits typically pay approximately 45-50% after securing the first payment towards the settlement reach in addition to 25% Earned Performance Fees of their original enrolled debts over 12 to 60 months. However, results may vary depending on individual circumstances. Not all debts are eligible for enrollment, and we do not guarantee a specific reduction in debt or that you will be debt-free within a certain time. We do not assume your debts, make payments directly to your creditors, or provide tax, bankruptcy, accounting, legal, or credit repair services. Services may not be available in all states, and fees may vary by state. In some cases, we may refer you to a trusted business partner for alternative debt relief services. Please consult with a licensed tax professional for tax consequences and a bankruptcy attorney for information on bankruptcy. Using debt resolution services may affect your creditworthiness and may result in collection actions or lawsuits, with interest and fees potentially accruing on your accounts. Please review all program materials, terms, and conditions before enrolling.
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