Privacy Policy – Talkin Debts
Last Updated Date: 9 April 2025
Call Monitoring: Please note that all calls with the company may be recorded or monitored for quality assurance and training purposes.
This Online Privacy Policy applies to https://talkindebts.com, owned and operated by Talkin Debts (referred to herein as “Company”), and any affiliate or subsidiary online interface linking to this Policy (each, a “Site,” and collectively, the “Sites”). This Policy describes how Talkin Debts collects and uses the personal information you provide, your choices regarding its use, and how you can access and update that information.
Agreement to this Policy
By using this website, you acknowledge and consent to the terms of this Online Privacy Policy, including the collection, use, and disclosure of your information as described.
This agreement is also subject to a binding arbitration clause included in our Online Terms of Service. These Terms may impact your legal rights, as they require that any disputes arising between you and Talkin Debts—including those related to this Privacy Policy and your use of the Site—be resolved through individual arbitration rather than in a court of law, class action, or jury trial.
As a condition of accessing and using this Site, you agree that any privacy-related matters or other disputes concerning information shared or presented here will be subject to binding arbitration. However, you do have the right to opt out of this arbitration agreement.
Collection and Use of Personal Information
We may collect the following types of personal information:
Contact Information:
- Name
- Email address
- Mailing address
- Phone number
- Any voluntarily submitted information
Financial Information:
- Bank and credit account details
- Income and employment records
- Credit information
Log & Usage Data:
- IP address
- Browser type
- Date and time of visit
- Pages viewed and interactions
- Device information and geographic location
How We Collect Information:
- Signing up for newsletters or communications
- Contacting us for services or inquiries
- Browsing or interacting with our Site
- Submitting personal information voluntarily
How We Use Your Information:
- To respond to inquiries and provide customer service
- To send newsletters and marketing communications
- To communicate with you or send service-related updates
- To provide information to third-party marketing partners
Information from Third Parties
Talkin Debts may acquire marketing data from reputable third-party sources and combine it with the personal information you have provided to us. This helps us deliver more relevant advertising, offers, and services that we believe may be of interest to you.
Information Sharing
At Talkin Debts, we may use and share your financial and credit-related information with our affiliated companies, trusted partners, and service providers. This is done to help identify and present you with additional programs and services that may be beneficial to you. We may also disclose your information as needed to fulfill any transaction you’ve requested or to carry out our contractual obligations.
Additionally, we may share your information with third-party service providers who support our operations, or who assist us with marketing our services—only as permitted or required by law. This may include sharing unique identifiers such as IP addresses, cookies, or hashed versions of email addresses. These identifiers help us and our partners better understand our audience and communicate with you through channels like email or direct mail.
Outside of these specific situations, Talkin Debts does not share, sell, or disclose your nonpublic personal information unless it is directly related to delivering the services you’ve requested. If applicable, you may have the right to opt out of certain types of information sharing—please visit our Choice/Opt-Out section to learn more.
We also reserve the right to disclose personal information when required by law (e.g., in response to subpoenas, court orders, or legal investigations), or when we believe disclosure is necessary to protect our rights, ensure your safety or the safety of others, prevent fraud, or comply with government requests. This may include lawful requests by public authorities for national security or law enforcement purposes.
In the event of a business transition—such as a merger, acquisition, or sale of assets—your personal information may be among the assets transferred. We will notify you via email or with a prominent notice on our website if such a change in ownership occurs and explain any choices you may have concerning your information.
Please note: Talkin Debts does not share mobile subscription data (including opt-in details or consent) with third parties or affiliates for marketing or promotional purposes. Your opt-in information is protected and will not be transferred to any external party.
Consumer Choice (Opt-Out Requests)
Promotional Emails:
To opt out of promotional emails, click the “UNSUBSCRIBE” link in our emails or contact us at info@talkindebts.com
Cookies and Tracking Technologies
Cookies
Cookies are small digital files containing a string of text that store information about your visit to a website. Web servers typically send these cookies to your computer or device, where they are stored through your web browser. This process helps websites remember your preferences and interactions, enabling a more personalized experience across internet-enabled devices.
Talkin Debts and our trusted partners use cookies and similar tracking technologies to analyze trends, manage our website, understand user behavior, and gather general demographic data about our audience. These tools help us improve our content, enhance our user experience, and deliver more relevant information.
You have the ability to control cookie usage through your browser settings. Please note that disabling cookies may impact certain features or functionality of our website or services.
We use cookies and similar technologies for:
- Analytics
- Site functionality
- Advertising and personalization
You can control cookies in your browser settings, but disabling them may affect functionality.
Log Files
We log data such as IP addresses, device details, and user interactions to help administer our site and protect against fraud.
A log file is a digital file that records interactions between software systems. Log files exist across all internet and IP-enabled devices, including the connected mobile, connected TV, and enhanced email tactics described herein. Device type and location using latitude and longitude coordinates can also be stored.
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or page views.
We use this information to analyze trends, administer the site, track users’ movements around the site, and gather demographic information about our user base as a whole. We may share this information with third parties so they may perform analytics or provide marketing services on our behalf.
We may record your IP addresses when you place an order through our site in order to detect and prevent fraud.
We partner with a third party to either display advertising on our website or to manage our advertising on other sites. Our third-party partner may use technologies such as cookies to gather information about your activities on this website and other sites in order to provide you with advertising based on your browsing activities and interests.
Correcting or Updating Personal Information
Upon request, we will provide you with information about whether we hold any of your personal information. If you wish to request any correction or deletion, or that we do not sell or share your personal information please contact us at info@talkindebts.com. We will respond within a reasonable timeframe.
Data Retention
We retain your information as long as your account is active or as needed to fulfill services. We may also keep data to comply with legal requirements.
Links to Other Websites
Our Sites may link to other websites. We are not responsible for their privacy practices and recommend reviewing their policies. If you submit personal information to any of those sites, your information is subject to their privacy statements. We encourage you to carefully read the privacy statement of any website you visit.
Social Media Features
Our Sites may include social media widgets that may collect certain information, governed by the privacy policies of the respective platforms. These Features may collect your Internet protocol address, and which page you are visiting on our website, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our website. Your interactions with these Features are governed by the privacy statement of the company providing it.
Testimonials
We may display customer testimonials with your permission. To update or remove your testimonial, contact us at info@talkindebts.com.
Security
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it.
We recognize the importance of safeguarding the confidentiality of Personal Information from loss, misuse, or alteration. Accordingly, we employ commercially reasonable administrative, technical, and physical safeguards to protect such Personal Information from unauthorized access, use, and disclosure. Even with these safeguards, no data transmission over the internet or other networks can be guaranteed 100% secure. As a result, while we strive to protect the information you transmit to us, you do so at your own risk.
Notices for Specific States and Regions
California Residents:
Vermont Residents:
You may have additional rights under the California Consumer Privacy Act. Contact us at info@talkindebts.com for more details.
We do not share your nonpublic personal information with nonaffiliated third parties without your consent.
Nevada Residents:
To opt out of sales of your information or be added to our Do Not Call list, email info@talkindebts.com or contact the Bureau of Consumer Protection, Office of the Nevada Attorney General.
Nevada law requires that we also provide you with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; Phone number: 702-486-3132; e-mail: BCPINFO@ag.state.nv.us
International Users
Notice to Users Outside of the United States
This Online Privacy Policy is intended to cover the collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located and our central database is operated. The data protection laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third parties with whom we share it as described in this Notice.
Children’s Privacy
Our Sites are not intended for users under the age of 13. We do not knowingly collect information from children under 13.
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of the majority age in their relevant jurisdiction, please contact us at our email, and we will take all reasonable efforts to remove the information.
Fraudulent Contacts and Safety
Talkin Debts will never call to collect payment on debts. If you receive suspicious calls claiming to be from us, contact info@talkindebts.com immediately.
Practices for Contacting You
Talkin Debts is committed to providing trustworthy and effective debt-related information and services to help consumers make informed financial decisions. Our approach is built on transparency, integrity, and consumer protection.
At Talkin Debts, we do not engage in unsolicited “cold calls.” We do not call consumers to collect debts or request personal or financial information over the phone. Unfortunately, some individuals have reported receiving fraudulent calls from parties falsely claiming to represent Talkin Debts. These scammers may even display our name on the caller ID and try to collect payments or sensitive details under false pretenses.
We want to be clear:
- Talkin Debts does not collect debt via phone.
- We never request payment information through unsolicited calls.
- We have reported known instances of these fraudulent activities to the appropriate authorities.
Your safety and trust are important to us. If you ever receive a suspicious call claiming to be from Talkin Debts, do not share any personal information. Instead, reach out to us directly to verify any communications.
📧 Email: info@talkindebts.com
We’re here to help clarify any concerns and ensure your experience with Talkin Debts is safe and secure.
Policy Updates
We may revise this Privacy Policy periodically. When updated, we will revise the “Last Updated” date at the top of this Notice. Any changes to this Notice will become effective when we post the revised Notice on the Site. Your use of the Site following these changes means that you accept the revised Notice.
Contact Us
If you have questions or concerns about this Privacy Policy, you may contact us at:
Talkin Debts
Email: info@talkindebts.com
Website: https://talkindebts.com
Please print and keep a copy of this Privacy Policy for your records.
