1. Who We Are
One Debt Solution operates the website onedebtsolution.com. We are a referral and marketing platform in the debt relief space, meaning our business is collecting information from people dealing with debt and providing that information to third-party debt relief companies, who compensate us in connection with those referrals.
We are not a bank, lender, law firm, debt settlement company, or government agency. Our service is free to you because we're compensated by the providers we send your information to, not by you.
Our address: 5900 Balcones Drive STE 100, Austin, Texas, 78731, USA. Our email: partners@onedebtsolution.com.
2. The Quick Summary
- We collect your name, contact details, and basic debt information when you fill out a form.
- We work as a bridge between you and legitimate debt relief providers, so that someone does not scam you while posing as a legitimate provider. This is how we're able to offer our service free to you.
- Multiple providers may contact you since we may provide your information to more than one provider from a single form.
- We don't sell to unrelated parties — we only provide your information within the debt relief and financial services industry, never to unrelated data brokers or advertisers.
- We protect it using industry-standard security measures.
- You can opt out of marketing contact or of your information being provided to providers at all, at any time.
For the full details on each of these points, keep reading.
3. What Information We Collect
Information You Give Us
When you fill out a form on our website, we collect:
- Your name, so we and our partners know who you are
- Your email address, to send you information about your options
- Your phone number, so a specialist can reach you with your options
- Your debt type — credit card, medical, payday loan, tax debt, etc.
- Your approximate debt amount, to help match you with the right providers
- Your state of residence, because debt relief availability varies by state
- Any additional details you choose to share in a message field
We do not collect Social Security numbers, bank account numbers, or credit card numbers directly through our website forms.
Information We Collect Automatically
When you visit our website, we automatically receive some technical information: your IP address, your browser and device type, which pages you visit and how long you spend on them, and how you arrived at our site. This information is collected using cookies and similar technologies. See Section 7 for more on cookies.
Information From Other Sources
We may also receive information about you from third-party advertising networks and marketing partners, which we use to reach people who may benefit from our services. This is standard practice in digital marketing.
4. Why We Collect Your Information
We use your information to:
- Provide it to debt relief providers — this is the core of our business. When you submit a form, we provide your details to providers in our network, who compensate us in connection with those referrals.
- Contact you with your options — we or our partner providers may reach out to you by phone, email, or text to discuss what options are available to you.
- Improve our website — we analyze how people use our site so we can make it better and more helpful.
- Send you relevant information — with your consent, we may send you educational content about debt relief or updates about services that may be useful to you.
- Comply with the law — we keep certain records as required by applicable laws and regulations.
- Prevent fraud — we use certain signals to detect and prevent fraudulent use of our platform.
5. Who We Provide Your Information To
This is the most important section to understand. Our business works by providing your information to debt relief providers, who compensate us in connection with those referrals. This is how we're able to offer a free service to you. Here's exactly who receives your information:
Debt Relief Providers (Tier 1)
Your information is provided directly to debt relief companies, debt consolidators, and financial service providers in our immediate partner network, who compensate us for it. These companies will review your information and may contact you with debt relief offers. You are not obligated to accept any offer.
Marketing Partners (Tier 2)
Your information may also be provided to additional marketing companies and lead buyers in the broader debt relief industry, who also compensate us for access to it. These partners may further provide your information within their own networks of debt relief providers. As a result, you may be contacted by multiple companies following a single form submission.
Service Providers
We work with companies that help us run our business, including web hosting providers, analytics platforms, and email service providers. These companies only access your information to perform specific services for us and are contractually required to keep it confidential.
Legal Authorities
We may share your information when required by law, such as in response to a court order, subpoena, or regulatory inquiry.
Business Transfers
If One Debt Solution is acquired, merged with another company, or sells its assets, your information may be transferred as part of that transaction. We will notify you of any material change in how your data is handled.
We do not sell your personal information to unrelated data brokers, retailers, or other parties outside of the debt relief and financial services context described above.
6. How We Protect Your Information
We take data security seriously. The steps we take to protect your information include:
- Encryption: All data transmitted between your browser and our website is encrypted using SSL/TLS technology. You can verify this by checking for the padlock icon in your browser's address bar.
- Access controls: Only authorized personnel within our organization who need your information to do their jobs can access it.
- Secure storage: Your data is stored on secured servers with appropriate technical protections in place.
- Vendor requirements: All third-party service providers who handle your data on our behalf are contractually required to maintain appropriate security standards.
- Regular reviews: We periodically review our security practices and update them as needed.
No system is completely secure. While we take every reasonable precaution, we cannot guarantee that your information will never be accessed by unauthorized parties. If a data breach occurs that affects your information, we will notify you as required by applicable law.
7. Cookies and Tracking
Cookies are small text files stored on your device when you visit a website. We use cookies to keep the website working correctly (essential cookies), understand how visitors use our site (analytics cookies — we use Google Analytics), show you relevant ads on other websites after you visit ours (advertising cookies), and remember your preferences on return visits (preference cookies).
You can control cookies through your browser settings. Most browsers let you refuse new cookies, delete existing cookies, or get a notification when a new cookie is set. Note that disabling some cookies may affect how the website functions.
You can also opt out of interest-based advertising through:
- Digital Advertising Alliance: optout.aboutads.info
- Network Advertising Initiative: optout.networkadvertising.org
- Google Analytics opt-out: tools.google.com/dlpage/gaoptout
8. Your California Privacy Rights (CCPA)
If you are a California resident, the California Consumer Privacy Act (CCPA) gives you specific rights over your personal information:
- Right to Know: You can ask us what personal information we have collected about you, where it came from, why we collected it, and who we've shared it with.
- Right to Delete: You can ask us to delete the personal information we hold about you, subject to certain legal exceptions.
- Right to Correct: You can ask us to correct personal information we hold about you that is inaccurate.
- Right to Opt Out of Sale: Providing your information to debt relief providers in exchange for compensation is considered a "sale" of personal information under the CCPA. You have the right to opt out of this at any time. Please note that opting out means we won't be able to provide your information to providers, which is how our matching service works, so opting out effectively means we can't help connect you with debt relief options.
- Right to Non-Discrimination: We will not treat you differently, deny you services, charge you more, or provide a lower quality of service because you exercised a CCPA right.
How to exercise your California rights: Email us at partners@onedebtsolution.com or write to us at our Austin, Texas address. We will verify your identity and respond within 45 days. We may extend this by an additional 45 days where necessary, with prior notice.
9. Your Rights Everywhere Else
Regardless of where you live in the United States, you have the right to:
- Opt out of marketing communications — click unsubscribe in any email, reply STOP to any text, or email us to be removed from phone contact.
- Ask what information we hold about you — we will tell you what we have on file.
- Ask us to correct your information — if something is wrong, we'll fix it.
- Ask us to delete your information — subject to any legal obligations we have to retain it.
To exercise any of these rights, contact us at partners@onedebtsolution.com.
10. Children's Privacy
Our website is intended for adults aged 18 and older. We do not knowingly collect personal information from anyone under 18. If we learn that we have accidentally collected information from a minor, we will delete it promptly. If you believe we may have information from a minor, please contact us immediately.
11. Testimonials and Reviews
If you submit a testimonial or review to us, we may publish it on our website. We will only publish your first name and general location (e.g., "James R., Phoenix, Arizona") unless you give us permission to publish more. Testimonials are kept on file and reflect real user experiences. We do not compensate users for providing testimonials.
If you want your testimonial removed from our website at any time, contact us at partners@onedebtsolution.com and we will remove it promptly.
12. Third-Party Websites
Our website contains links to other websites. Once you click a link and leave our site, this Privacy Policy no longer applies. We are not responsible for the privacy practices of other websites. We encourage you to read the privacy policy of any website you visit before sharing your personal information.
13. Marketing Communications
If you submit a form on our website, you may receive marketing communications from us and from our partner providers. Here is how to opt out of each type:
- Email: Click the "unsubscribe" link at the bottom of any marketing email.
- Text/SMS: Reply STOP to any text message from us.
- Phone: Email us at partners@onedebtsolution.com and ask to be added to our do-not-call list.
Please allow up to 10 business days for opt-out requests to take effect. Note that opting out of marketing communications from One Debt Solution does not automatically opt you out of communications from partner providers — you will need to contact each provider separately to opt out of their communications.
14. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will change the "Last Updated" date at the top of this page. If we make significant changes, we may also notify you by email or by posting a notice on our homepage. We encourage you to review this policy periodically so you always know how your information is being handled.
NOTE: This Privacy Policy applies only to information collected through onedebtsolution.com. It does not apply to information collected by third-party providers you are connected with through our platform; those providers have their own privacy policies which govern how they handle your data.