Privacy Policy

Accelerated Debt Relief ("we," "us," or "our") is committed to protecting your personal information and your right to privacy. This Privacy Policy explains how we collect, use, share, and protect your information — and importantly, how you can control your communication preferences at any time.

1. INFORMATION WE COLLECT
Information You Provide Directly

• Full name, address, phone number, and email address
• Financial information including income, employment status, and total debt load
• Social Security Number or ITIN for loan processing purposes
• Credit history and credit score information
• Bank account details and payment information

Information Collected Automatically

• IP address, browser type, and device information
• Website usage data including pages visited and time spent
• Cookies and similar tracking technologies
• Call recordings and text message records for quality assurance

Information from Third Parties

• Credit bureaus and consumer reporting agencies
• Identity verification and fraud prevention services
• Marketing partners and lead generation sources

2. HOW WE USE YOUR INFORMATION
To Provide Our Services

• Process your loan application and determine eligibility
• Verify your identity and assess creditworthiness
• Communicate with you about your application and account status
• Process payments and manage your account

For Business Operations

• Comply with legal and regulatory obligations
• Prevent fraud and other illegal activities
• Maintain security and integrity of our systems
• Train staff and improve our services

For Marketing and Communications

• Send updates, promotions, and information about our services
• Conduct surveys and collect feedback
• Personalize your experience with us

You may opt out of marketing communications at any time. See Section 5 for full opt-out instructions.

3. HOW WE SHARE YOUR INFORMATION
We do not sell your personal information to third parties. We may share your information in the following limited circumstances:
Service Providers: Trusted third-party vendors who assist in operating our business — including credit bureaus, payment processors, identity verification services, and technology providers. These parties are contractually obligated to protect your information.
Lending Partners: To process your loan application, we may share your information with our network of licensed lending partners and financial institutions. These partners have their own privacy policies.
Legal Requirements: We may disclose your information when required by law, court order, subpoena, or governmental regulation, or when necessary to protect the rights, property, or safety of Accelerated Debt Relief, our clients, or others.
Business Transfers: In the event of a merger, acquisition, or sale of assets, your personal information may be transferred to the successor entity. We will notify you as required by law.

4. SMS & TEXT MESSAGING
By providing your mobile phone number and engaging with our services, you may consent to receive text messages from Accelerated Debt Relief for the following purposes:

• Loan application updates and status notifications
• Account management and payment reminders
• Customer service follow-ups
• Promotional offers and marketing (with your prior express written consent)

Message and data rates may apply depending on your mobile carrier and plan. Message frequency varies based on your account activity and preferences. Carriers are not liable for delayed or undelivered messages.
SMS Sending Numbers:

• Text line: 949-266-0775
• Main line: 888-223-2915

5. OPT-IN & OPT-OUT PROCESS
We take your communication preferences seriously. Below is a complete description of how to opt in and opt out of each communication channel.
Text Message (SMS) Opt-In You opt in to receive text messages from Accelerated Debt Relief by one of the following methods:

• Texting Y to 949-266-0775
• Submitting a web form that includes SMS consent language
• Verbally consenting during an inbound or outbound call (recorded for compliance)

Upon opting in, you will receive a confirmation text that reads: "You have successfully opted in to receive messages from Accelerated Debt Relief. Msg & data rates may apply. Reply STOP to unsubscribe at any time. Reply HELP for help."
Text Message (SMS) Opt-Out You may opt out of text messages at any time using any of the following methods:
Reply STOP to any text message from us
Reply UNSUBSCRIBE, CANCEL, END, or QUIT — all are honored

• Email us at Support@accelerateddebtrelief.com with your phone number and opt-out request
• Call us at 888-223-2915 and request removal

Upon receipt of your opt-out request, you will receive one final confirmation text that reads: "You have been unsubscribed from Accelerated Debt Relief messages. No further texts will be sent. Call 888-223-2915 if you need assistance."
After that single confirmation, no further text messages will be sent to your number. Your number is immediately flagged as opted-out in our system and removed from all active messaging lists within 24 hours. Opt-out requests are permanent unless you choose to opt back in by texting START or Y to 949-266-0775.
Phone Call Opt-Out To opt out of phone calls:
Verbally request to be added to our Do Not Call list during any call

• Email Support@accelerateddebtrelief.com with your number and "Do Not Call" request
• We honor all National Do Not Call Registry registrations

Do Not Call requests are processed within 30 days and honored for a minimum of 5 years.
Opt-Out Summary
SMS / Text: Reply STOP — honored immediately
Email: Click Unsubscribe — honored within 10 business days
Phone Calls: Verbal request or email us — honored within 30 days

• All Channels: Email Support@accelerateddebtrelief.com — honored within 24–48 hours

6. EMAIL COMMUNICATIONS
We may send you emails related to your account, loan application status, and promotional offers. Each marketing email includes an unsubscribe link at the bottom. Clicking unsubscribe will remove you from our marketing email list within 10 business days as required by the CAN-SPAM Act. Transactional emails such as application confirmations and account notices may still be sent after unsubscribing from marketing emails, as these are necessary to service your account.

7. DATA SECURITY
We implement industry-standard security measures to protect your personal information including:

• Encryption of sensitive data in transit and at rest
• Secure socket layer (SSL) technology for all data transmission
• Restricted access to personal information on a need-to-know basis
• Regular security assessments and employee training
• Secure disposal of records containing personal information

While we take every precaution to protect your information, no security system is impenetrable. In the event of a data breach affecting your personal information, we will notify you as required by applicable law.

8. YOUR RIGHTS (CCPA — CALIFORNIA RESIDENTS)
Under the California Consumer Privacy Act (CCPA), California residents have the following rights:

• Right to Know — what personal information we collect, use, disclose, and share
• Right to Delete — request deletion of your personal information
• Right to Correct — request correction of inaccurate personal information
• Right to Opt Out — we do not sell personal information
• Right to Non-Discrimination — we will not discriminate against you for exercising your CCPA rights

To exercise any of these rights, contact us at Support@accelerateddebtrelief.com or call 888-223-2915. We will respond within 45 days.

9. COOKIES & TRACKING TECHNOLOGIES
Our website uses cookies and similar tracking technologies to enhance your experience, analyze usage, and deliver relevant content. You can control cookie settings through your browser preferences. Disabling cookies may affect certain website functionality.

• Essential cookies — necessary for website operation
• Analytics cookies — help us understand how visitors use our site
• Marketing cookies — used to deliver relevant advertisements
• Preference cookies — remember your settings and choices

10. DATA RETENTION
We retain your personal information for as long as necessary to fulfill the purposes in this Privacy Policy and comply with our legal obligations. Loan application records are retained for a minimum of seven (7) years in accordance with federal and state regulations. Opt-out records are retained for a minimum of five (5) years. Marketing and communication records are retained until you opt out or request deletion, subject to legal requirements.

11. CHILDREN'S PRIVACY
Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe we have inadvertently collected information from a minor, please contact us immediately at Support@accelerateddebtrelief.com and we will take immediate steps to delete such information.

12. CHANGES TO THIS PRIVACY POLICY
We reserve the right to update or modify this Privacy Policy at any time. We will notify you of material changes by posting the updated policy on our website and sending an email notification. Your continued use of our services after such notification constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

13. CONTACT US
Accelerated Debt Relief Email: Support@accelerateddebtrelief.com Call: 888-223-2915 Text: 949-266-0775
We are committed to resolving any privacy concerns promptly and transparently. You may also file a complaint with the California Attorney General or the Consumer Financial Protection Bureau (CFPB) if you believe your privacy rights have been violated.

This Privacy Policy is intended to comply with applicable federal and California state privacy laws including the Gramm-Leach-Bliley Act (GLBA), California Consumer Privacy Act (CCPA), CAN-SPAM Act, and Telephone Consumer Protection Act (TCPA). This document does not constitute legal advice. We recommend consulting a licensed attorney for specific legal guidance.