Privacy Policy

Effective Date: July 13, 2009

Be Debt Free America values the privacy of all those who visit and use our website and services. As such we do not rent, sell, share or otherwise distribute any of your personal information. In order to keep your membership as confidential as possible, we do not request your name, address or any other type of contact information on this site. Our intent is to never connect you personally to your private debt information; as such you may decide to create a user name and use an email address that doesn't contain personal information such as your real name.

Information Collection and Use

The main reason we collect any personal information at all is to deliver product announcements, provide member access to our services and to generate debt elimination information. Be Debt Free America may collect information and use it in a number of situations:

  • Personal information such as your e-mail address and security question - to support our services.
  • Debt information about your current liabilities - to generate payoff reports for your use only. This information is only entered and acccessed through your own membership account.
  • Tracking information about your visit from the browser, including IP address, cookies and the pages you request - to analyze trends, administer the site, track your navigation of the site, deliver relevant advertisements and gather broad demographic information for aggregate use. IP addresses are not linked to "personally identifiable information".
  • Aggregate information from multiple users without personally identifying individuals, such as geographic region - to improve understanding of membership use and provide relevant services.

PayPal Payment Service

We have chosen to use PayPal to collect payment for members who choose our premium service. PayPal offers a high level of security. Members who choose to use our premium service will be required to enter their personal information on the PayPal website. We do NOT store any of the personal information you enter on the PayPal website on our website or servers. This includes your name, address, credit card number or bank account information, etc. We do not need that personal information in order to provide our service. We respect your privacy and confidentiality.

Information Disclosure to Third Parties

Be Debt Free America does not share your information with third parties, except under the following circumstances:

  • We have a good faith belief that sharing or otherwise permitting access, disclosure, use or preservation of such information is reasonably necessary in order to comply with our legal obligations;
  • We believe it is necessary in order to investigate, prevent or take action regarding illegal activities or suspected fraud;
  • We believe it is necessary to investigate potential violations of our Terms of Service, or to enforce those Terms of Service.


The Be Debt Free America web site may contain links to other sites. Be Debt Free America is not responsible for the privacy policy or other practices employed by web sites linked to, or from, our web site nor the information or content contained therein. This privacy statement applies solely to information collected by this web site.

Changes and Updates

As this Privacy Policy may be updated from time to time, we will revise and display the effective date at the top of the web page. You should periodically review it to keep abreast of our plans and procedures to protect the personal information that we collect. Your continued use of the Be Debt Free America services constitutes your agreement to this Privacy Policy and any updates. If Be Debt Free America should ever sell its assets, merge with another entity or file for bankruptcy, information collected from this web site and in the operation of the services may be transferred as assets of Be Debt Free America.