Privacy Policy

Information We Collect

We may collect personal information that you voluntarily provide, including:

• Full name
• Email address
• Telephone number
• Mailing address
• State of residence
• Estimated unsecured debt amount
• Financial information necessary to evaluate eligibility for debt relief programs
• Any information you provide through forms, emails, phone calls, or text messages

We may also automatically collect certain technical information, including:

• IP address
• Browser type
• Device information
• Operating system
• Pages viewed
• Referring website
• Date and time of your visit
• Website usage analytics

How We Use Your Information

We use your information to:

• Respond to your requests and inquiries
• Determine eligibility for debt relief programs
• Provide requested services
• Communicate regarding your account or consultation
• Verify your identity
• Process enrollments
• Coordinate services with affiliated program providers
• Negotiate with creditors through authorized program partners
• Comply with legal and regulatory requirements
• Improve our website and customer experience
• Prevent fraud and unauthorized activity

We do not sell your personal information.

How We Share Information

We share personal information only when necessary to provide our services or when required by law.

Affiliated Program Providers

To provide debt relief services, we may share your information with affiliated program providers, debt settlement companies, independent account administrators, and other authorized partners involved in:

• Evaluating eligibility
• Enrollment
• Account servicing
• Negotiating settlements with creditors
• Identity verification
• Customer support
• Regulatory compliance

These organizations are contractually required to safeguard your information and may use it only for purposes related to providing your debt relief program.

This sharing is necessary to provide our services and is not considered a sale of your personal information.

Service Providers

We may share information with trusted third-party vendors that assist us with:

• Website hosting
• Customer relationship management (CRM)
• Telephone services
• SMS messaging
• Email communications
• Consent verification
• Analytics
• Cloud storage
• Security monitoring
• Payment processing

These providers are required to maintain appropriate confidentiality and security safeguards.

Legal Requirements

We may disclose information if required by law or when we believe disclosure is necessary to:

• Comply with legal obligations
• Respond to court orders or subpoenas
• Protect our legal rights
• Prevent fraud or illegal activity
• Protect the safety of our customers or others

Cookies and Tracking Technologies

Our website may use cookies, web beacons, analytics tools, and similar technologies to improve website functionality and understand how visitors use our website.

These technologies help us:

• Improve website performance
• Remember user preferences
• Measure website traffic
• Analyze visitor behavior

Most web browsers allow you to control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.

Communications and SMS Consent

If you provide your contact information and opt in, we may contact you by telephone, text message (SMS), or email regarding your inquiry, your account, or our services.

Communications may be sent using an automatic telephone dialing system or prerecorded voice messages where permitted by law.

Your consent is not a condition of purchasing any goods or services.

You may opt out at any time by:

• Replying STOP to any SMS message
• Following unsubscribe instructions in emails
• Contacting us directly

Message and data rates may apply. Message frequency varies.

Data Security

We maintain administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, disclosure, alteration, or destruction.

While we use commercially reasonable security measures, no method of electronic transmission or storage is completely secure. Accordingly, we cannot guarantee absolute security.

Data Retention

We retain personal information only as long as necessary to:

• Provide requested services
• Maintain customer records
• Comply with legal and regulatory obligations
• Resolve disputes
• Enforce our agreements

After information is no longer required, we securely delete or anonymize it when appropriate.

Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information, including the right to:

• Access your information
• Correct inaccurate information
• Request deletion of personal information
• Obtain a copy of certain personal information
• Withdraw consent where applicable

To exercise these rights, contact us using the information below. We may verify your identity before processing your request.

California Privacy Rights

If you are a California resident, you may have additional rights under applicable California privacy laws, including the right to know what personal information we collect, request deletion of certain personal information, and request correction of inaccurate personal information, subject to applicable legal exceptions.

LightPath does not sell personal information as defined under applicable California law.

Do Not Track Signals

Some web browsers offer a "Do Not Track" feature. Because there is currently no universally accepted standard for responding to these signals, our website does not currently respond to Do Not Track browser requests.

Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policy of every website you visit.

Children's Privacy

Our services are intended only for adults. We do not knowingly collect personal information from anyone under the age of 18. If we become aware that personal information has been collected from a child, we will promptly delete it.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our business practices, legal requirements, or technology.

When changes are made, we will update the "Last Updated" date at the top of this page. Continued use of our website after any revisions constitutes acceptance of the updated Privacy Policy.

Contact Us

If you have questions regarding this Privacy Policy or wish to exercise your privacy rights, please contact us:

LightPath Debt Relief

Email: info@lightpathdebtrelief.com

Website: https://lightpathdebtrelief.com