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Privacy Policy

Privacy Statement

The information in this privacy statement applies only to this website.
We at Optimal Debt Solutions (“ODS”) respect your right to privacy. We understand that maintaining the confidentiality of your financial situation is important to you. We want you to understand what information we gather about you, how we use it, and the safeguards we have in place to protect it. We also want you to understand that in connection with a request for our assistance, you may ask us to intervene with your creditors on your behalf, and that the sharing of certain non-public information with them is a necessary part of the credit counseling process.
The following discloses the information gathering and dissemination practices for this web site. Information Automatically Logged:

IP Address – We Use Your IP Address For Other Purposes

IP addresses are automatically logged and the domain name which you are using at the time of entry is also logged to a file. This information is stored purely as a means of viewing web site hits and traffic. This information is not given to any third parties for any reason and is eradicated from our database on a regular basis. IP addresses are not used for any purpose other than those stated here.

Cookies – Our Site Uses Cookies For Other Purposes

Cookies are used as a means of identifying repeat visitors. Changing your web browser’s setup to “reject” cookies does not prevent a user from visiting any portion of this website.

Our Principles for Privacy Protection

Our site’s registration and Online forms require users to give us contact information (like their name, email, or postal address). Due to the nature of this web site, financial information is also requested on a voluntary basis from the visitor. ODS does not share your financial information with any non-affiliated third parties other than those who help us in providing assistance to you, and they are required to maintain it in strict confidence. We do not rent or sell your personal financial information to any outside marketer. We maintain security practices and procedures designed to ensure the security, integrity, and confidentiality of your personal financial information. We educate our employees about safeguarding client information and preventing unauthorized access, disclosure or use, while limiting employee access to client information to those who need it to assist you.
Off-Line/Email Data Collection optimaldebtsolutions.com only collects a limited amount of financial information from consumers on their online forms. However, during the credit counseling session which is done through face-to-face conversations, telephone calls, and e-mail communications, additional information may be requested.
What information do we collect?
We collect non-public personal information about you from the following sources:
  • Information we receive from you on applications or other forms, whether submitted through the Internet or manually, as well as through face-to-face conversations, telephone calls, and e-mail communications. This information may include your name, address, telephone and social security number, as well as your creditors’ names and addresses, the amounts you owe your creditors and their account numbers, credit card account information, and your living expenses.
  • You may provide us with certain banking information, via the Internet, on the phone or in person, in order to process ACH payments.
  • Information about your transactions with us.
  • Information we receive from your creditors.

Our Principles for Privacy Protection

What information do we disclose?

We may disclose the following kinds of non-public personal information about you in the course of providing credit counseling services on your behalf:

  • Information we receive from you on applications or other forms and from other communications with you, such as your name, address, financial account numbers, Social Security number, assets and income.
  • Information about your transactions with us, such as your account balance, monthly payment obligations, payment history, and method of payment.

To whom do we disclose information?

We do not disclose any non-public personal information about our clients, or former clients to anyone, except as noted below, in response to a court order, when required by law or when we believe, in good faith, disclosure is required by law or to enforce our terms and conditions or other agreements and policies. We may disclose non-public personal information about you to your financial service provider creditors such as banks, saving and loans, credit unions, mortgage bankers, finance companies, and credit card issuers. For the purpose of fulfilling our mission and providing you with certain services and to process your requests and payments, we may disclose your personal information to one or more service providers or other third parties who are assisting us in performing such services. Without limiting the foregoing, these third parties may provide us with data management, payment processing, and similar services. Additionally, in the event that you fail to complete a program you enroll in, information may be referred to a servicing agent to contact you to provide additional financial services that you may want to consider.

How do we protect information?

Only those employees or servicing agents obligated to maintain the confidentiality of information who might need to know non-public personal information in order to provide assistance to you have access to such information.

External Links

This site contains links to other sites. ODS is not responsible for the privacy practices or the content of such websites. The contents of such websites are unknown and in no event, should you assume that Optimal condones, approves of, or recommends the content of any website that is linked from the ODS pages or any other pages of this website. Complaints about the content of any linked site from the ODS pages should be directed to the owner of that site and not ODS.

Security

This site has security measures in place to protect the loss, misuse, and alteration of the information under our control. Information, if any, submitted for use by visitors is kept strictly confidential. Only the information visitors provide and authorized by the visitor is used for the purpose it was submitted.

Short Message Service

Optimal Debt Solutions may make available a service through which you can receive financial advice on your wireless device via short message service (“SMS Service”). 1 message is sent per week. Data obtained from you in connection with this SMS service may include your name, address, cell phone number, your provider’s name, and the date, time, and content of your messages. You represent that you are 18 years of age and the owner or authorized user of the wireless device on which messages will be received, and that you are authorized to approve the applicable charges. In addition to any fee of which you are notified, your provider’s standard message and data rates may apply to our confirmation and all subsequent SMS correspondence. All charges are billed by and payable to your mobile service provider. Optimal Debt Solutions will not be liable for any delays in the receipt of any SMS messages, as delivery is subject to effective transmission from your network operator. SMS message services are provided on an AS IS basis. Optimal Debt Solutions may also obtain the date, time and content of your messages in the course of your use of the SMS Service. We will use the information we obtain in connection with our SMS Service in accordance with this Privacy Policy. If fees are charged to your wireless account invoice, we may provide your carrier with your applicable information in connection therewith. Your wireless carrier and other service providers may also collect data about your wireless device usage, and their practices are governed by their own policies.

You acknowledge and agree that the SMS Service is provided via wireless systems which use radios (and other means) to transmit communications over complex networks. You must have a two-way text-enabled phone with a compatible carrier and plan. Compatible major carriers include Alltel Wireless, AT&T, Boost Mobile, Sprint, T-Mobile, Verizon Wireless and Virgin Mobile USA. We do not guarantee that your use of the SMS Service will be private or secure, and we are not liable to you for any lack of privacy or security you may experience. You are fully responsible for taking precautions and providing security measures best suited for your situation and intended use of the SMS Service. We may also access the content of your account and wireless account with your carrier for the purpose of identifying and resolving technical problems and service-related complaints.

By joining our subscription program, you authorize Optimal Debt Solutions to send you autodialed marketing text messages at the mobile number provided. Consent isn’t required to purchase goods or services.

You may opt out of receiving messages to your mobile device at any time by notifying us. You may remove your information by replying with “STOP”, “END”, “QUIT”, “UNSUBSCRIBE”, or “CANCEL” to any SMS you receive

We use third-party web beacons from Yahoo! to help analyze where visitors go and what they do while visiting our website. Yahoo! may also use anonymous information about your visits to this and other websites in order to improve its products and services and provide advertisements about goods and services of interest to you. If you would like more information about this practice and to know your choices about not having this information used by Yahoo! click here or visit https://www.verizonmedia.com/policies/us/en/verizonmedia/privacy/controls/index.html to learn how to opt out of this service.

Opt-Out Policy, Your Newsletter and Email Subscriptions

You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe.

Questions or Corrections?

You can opt-out or unsubscribe to a newsletter or other email list at any time by following the instructions at the end of the newsletters or emails you receive. Please allow five to ten business days for changes to take effect. Client service-related communications are an integral part of the services you receive from us and you may continue to receive such service-related emails unless you cancel your account, even if you opt out of the newsletters or email list. If you have provided more than one email address to us, you may continue to be contacted unless you request to unsubscribe each email address you have provided. You may also opt-out of receiving our newsletter or marketing emails by contacting us at unsubscribe.

Revised Privacy Policies

Please note that we reserve the right to change or modify our privacy practices that are described above from time to time simply by posting a revised Privacy Policy on our Website at www.optimaldebtsolutions.com. Any such change shall be effective immediately upon posting of the revised Privacy Policy on the Website. The revised Privacy Policy shall be effective for information we already have about you, as well as any information we receive in the future. You should refer to this Privacy Policy on an ongoing basis so that you are aware of our current privacy practices.

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* We do not discriminate on the basis of race, race, color, religion, sex, marital status, national origin or ancestry. Our clients who make all their monthly program payments pay approximately 70% of their enrolled debts over 24 to 48 months. Not all of our clients are able to complete their program for various reasons, including their ability to set aside sufficient funds. Our estimates are based on prior results, which will vary depending on your specific circumstances. We do not guarantee that your debts will be resolved for a specific amount or percentage or within a specific period of time. We do not assume your debts, make monthly payments to creditors or provide tax, bankruptcy, accounting or legal advice or credit repair services. Our service is not available in all states and fees may vary from state to state. Please contact a tax professional to discuss potential tax consequences of less than full balance debt resolution. Read and understand all program materials prior to enrollment. The use of debt settlement services will likely adversely affect your creditworthiness, may result in you being subject to collections or being sued by creditors or collectors and may increase the outstanding balances of your enrolled accounts due to the accrual of fees and interest. However, negotiated settlements we obtain on your behalf resolve the entire account, including all accrued fees and interest.