DEBTNEGATE.COM’s California Privacy Policy

ALL CALIFORNIA RESIDENTS ARE DENIED USE AND ACCESS TO THIS SITE UNLESS THEY HAVE READ,
UNDERSTOOD AND ACCEPT THIS Privacy Policy & THESE Terms of Service.

Effective Date: Aug. 5^th, 2020 — Last Revised: Sept. 5^th, 2022

This California Privacy Policy notice for T-Key Solutions, LLC DBA DebtNegate, from hereinafter referred to as, “T-Key”, “DN“, “we“, “us“, or “our“, describes how and why we might collect, store, use, and/or share, process or disseminate your information when you use our services, from hereinafter referred to as “Services“.

Your continued use of the DebtNegate.com website constitutes your agreement with this California Privacy Policy. Please read this page in its entirety and make sure you understand the full scope of these terms. Continued use of this website also requires you to read in full and understand our Terms of Service. If you have any comments, complaints, questions or suggestions please feel free to drop us a line using our Contact Us page.

Categories of Personal Information	Categories of Sources from Which Information is Collected:	Business or Commercial Purposes for Collection, Use, and Sharing:	Disclosed for Business Purposes to the Following Categories of Third Parties:
Personal and Online Identifiers Such as First and Last Name, Email Address, or Unique Online Identifiers	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Sensitive Personal Information Such as Social Security Number, Bank Account Number, or Other Financial Information	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Characteristics of Protected Classifications Under California or Federal Law (such as age or gender)	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Commercial or Transaction Information Such as Financial Products or Services Purchased or Obtained From or Through us	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Internet or Other Electronic Network Activity Information Such as the Websites You Visit Immediately Before and After Visiting Our Site and Your Interactions With Our Services	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Geolocation Information	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Professional or Employment- Related Information	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Education Information	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Inferences Drawn From the Above Information About Your Predicted Characteristics and Preferences	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below
Other Information About You That is Linked to the Personal Information Above	All Categories Listed Below	All Purposes Listed Below	All Categories Listed Below

Personal Information We Collect, Disclose for a Business Purpose, and Sell

We collect the categories of personal information about California consumers identified in the chart below and use and disclose to third parties this information for business or commercial purposes. In addition, as is common practice among companies that operate online, we allow certain third parties, including nonaffiliated business partners, advertising networks, analytics providers, and other advertising providers, to directly collect information about your online activities on the Site and across your browsers and devices using cookies, web beacons, mobile advertising identifiers and other technologies. These third parties may use this information to display online advertisements tailored to your interests and preferences across your browsers and devices, to conduct ad campaign measurement and Site analytics, to detect, prevent and report fraud, or to carry out their own business and commercial purposes. The collection of information by some of these third parties may constitute a “sale” of personal information, as defined under the CCPA. For more information about these practices, please review the “Third-Party Web Beacons and Third-Party Buttons” section of our Privacy Policy. Or, for more information about how to opt out of personal information sharing that constitutes a sale under the CCPA, please refer to the “Your Rights Regarding Personal Information” section below.

Sources We Collect This Info From

We collect this personal information directly from you. We may also, at your direction, receive credit reports or scores from consumer reporting agencies such as TransUnion or Equifax, or third-party services that provide a mechanism to share information you have provided to the third party through the use of an application program interface (API), such as Facebook Connect or the Twitter API. In addition, you may direct and enable us to collect personal information you maintain in financial accounts with other third-party financial institutions and similar companies. We may also collect personal information about you (for example, information regarding how you interact with our Services) using automated tools as described elsewhere in this policy.

Why We Collect, Use, and Share California Information

We use and disclose the personal information we collect for our commercial and business purposes, as further described in this Privacy Policy.

Commercial purposes include, without limitation: marketing, advertising, authentication, identity resolution, fraud prevention, fulfillment services, and fulfilling the requests of our customers.

Business purposes, as identified in the CCPA, include: audits and related activities; legal compliance; detecting and protecting against security incidents, fraud, and illegal activity; debugging services and systems; administrative and support services such as processing orders and payments and analytics; internal research and operations; activities to maintain and improve our Services; and other one-time uses.

We disclose the categories of personal information designated above to the following categories of third parties: service providers, lending partners, referral partners, joint marketing partners, credit reporting agencies, financial service aggregators, government entities, advertising networks, internet service providers, data analytics providers, operating system providers, professional services organizations, and social networks.

We also allow third parties to collect information about your use of our site through third party cookies and the data collected by these third parties cookies may be used to display cross-context behavioral online advertisements tailored to your interests and preferences across your browsers and devices or to conduct ad campaign measurement.

Your Rights Regarding Personal Information

California residents have certain rights with respect to the personal information collected by businesses. If you are a California resident, you may exercise the following rights regarding your personal information, subject to certain exceptions and limitations:

1. For certain categories of personal information, the right to request a list of what personal information (if any) we disclosed to third parties for their own direct marketing purposes in the preceding calendar year and the names and addresses of those third parties.
2. The right to know the categories and specific pieces of personal information we collect, use, disclose and, if applicable, sell about you; the categories of sources from which we collected your personal information; our purposes for collecting or, if applicable, selling your personal information; the categories of your personal information that we have disclosed for a business purpose or, if applicable, sold; and the categories of third parties to whom we have disclosed for a business purpose or, if applicable, sold personal information.
3. The right to request that we delete the personal information we have collected from you.
4. The right to data portability, meaning you have the right to obtain and reuse personal data covered by the CCPA for your own purposes.
5. The right to limit the use of your sensitive personal information to specifically permitted purposes.
6. The right to correct inaccurate personal information we have on you.
7. The right to opt out of our sale(s) or sharing of your personal information.
8. The right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA.

Our Retention of Your Personal Information

Unless you specifically ask us to delete your personal information, we retain your personal information as long as it is necessary to comply with our data retention requirements and provide you with the Services you have requested and successfully run our business. However, even if you request a deletion, we may be required to maintain your information for as long as necessary to:

• comply with our legal or regulatory compliance needs (e.g. maintaining records of transactions you have made with us);
• to exercise, establish or defend legal claims; and/or
• to protect against fraudulent or abusive activity on our Services.

This means we may keep different information for different periods. If your account is canceled because you’ve not used it in a long time, we may delete this information straight away.

There may be occasions where we are unable to fully delete, anonymize, or de-identify your information due to technical, legal, regulatory compliance or other operational reasons. Where this is the case, we will take reasonable measures to securely isolate your personal information from any further processing until such time as we are able to delete, anonymize, or de-identify it.

How to Exercise Your California Consumer Rights

To Exercise Your Right to Request, Know or Delete

To exercise your California consumer rights to request, know or delete, please complete the “Privacy Request Form”, which includes required verifying information, as further described below. You may submit the completed and signed CCPA Request Form by:

• Sending us an email at support@debtnegate.com with the subject line “CCPA Request,” the Form attached and the relevant right identified in the body of the email, or
• Navigating to https://debtnegate.com/contact-us/, fill out the Contact Us form and put “CCPA Request” in the subject line.

To Opt Out of Sales or Sharing of Personal Information

To the extent that the third-party information collection on the Site constitutes the sale or sharing of personal information, we provide you with instructions for how you can exercise your right to opt out of certain cookie-related collection and use practices.

On our website, users can make choices regarding the use of cookies and related technologies through a cookie banner management tool. On all our other websites and digital properties, users can:

1. Visit the Cookie Settings page,
2. Visit myaccount.google.com/data-and-personalization, scroll down to the “Ad personalization” section, click “Go to ad settings” and toggle “Ad personalization” to OFF

To exercise any other CCPA rights, complete and submit the CCPA Request Form, which includes required verifying information, as further described below:

1. Send us an email at support@debtnegate.com with the subject line “CCPA Request” and the relevant right identified in the body of the email

Verification Process and Required Information

Note that we may need to request additional information from you to verify your identity or understand the scope of your request, although you will not be required to create an account with us to submit a request or have it fulfilled. We will require you to provide information that we have on record for identity verification purposes. In certain circumstances, we may decline a request to exercise the right to know and/or right to deletion, particularly where we are unable to verify your identity.

Authorizing Your Privacy Agent

You may designate an authorized agent to make a CCPA request on your behalf by writing to us at the contact information provided above. To the extent we are unable to verify your identity when you make the designation request, we may request additional information from you. Note, if designating an entity to act on your behalf, the CCPA requires that such entity must be registered with the California Secretary of State.

Minor’s Right to Opt-In

We do not collect or sell the personal information of consumers we know to be under 16 years of age. Therefore, there is nothing to opt-in in this case.