Privacy Policy

We take your privacy seriously at Meridian Debt and are committed to protecting your personal information. This privacy policy explains how we collect, use, and share your information when you visit our website or use our services.

What information do we collect? We may collect personal information such as your name, address, phone number, email address, and financial information when you fill out a form on our website or contact us by phone or email. We may also collect information about your computer or device, including your IP address, browser type, and operating system.

In some cases, we may conduct a soft credit check as part of our evaluation process to determine if you are eligible for our debt settlement and debt relief services. A soft credit check is a type of credit inquiry that does not affect your credit score. It allows us to review your credit report and assess your financial situation. We may also use this information to offer you personalized debt settlement and debt relief solutions.

Soft credit checks are regulated by the Fair Credit Reporting Act (FCRA) and other state and federal laws. These laws require us to obtain your consent before conducting a soft credit check and to provide you with a copy of the report if we use it to make a decision about your application. We will only conduct a soft credit check with your express consent.

How do we use your information? We use your personal information to provide you with debt settlement and debt relief services, including negotiating with your creditors and creating a debt management plan. We may also use your information to conduct a soft credit check, communicate with you about your account, and send you marketing materials. We may use your information to improve our services and to comply with legal obligations.

We may also use your information to personalize our marketing and outreach efforts. For example, we may use your information to send you targeted emails or advertisements that are relevant to your interests and financial situation. We will only use your information for marketing purposes with your consent, and you may opt-out of receiving marketing materials from us at any time.

How do we use your information? We use your personal information to provide you with debt settlement and debt relief services, including negotiating with your creditors and creating a debt management plan. We may also use your information to communicate with you about your account, send you marketing materials, and improve our services.

How do we share your information? We may share your personal information with our service providers, such as debt collectors, attorneys, and credit reporting agencies, as necessary to provide our services. We may also share your information with our affiliates and business partners for marketing purposes. We will not sell your information to third parties.

Some states have additional requirements related to sharing personal information in the debt settlement and debt relief industry. For example:

In California, debt settlement companies must obtain a signed authorization from the customer before sharing personal information with third parties (California Civil Code § 1789.20).
In New York, debt settlement companies must obtain the customer’s written consent before sharing personal information with third parties (New York General Business Law § 601).
In Maryland, debt settlement companies must provide the customer with a written notice that discloses the names and addresses of any third parties that the company intends to share personal information with (Maryland Code § 14-1901).

How do we protect your information? We take reasonable measures to protect your personal information from unauthorized access, disclosure, and destruction. We use physical, electronic, and procedural safeguards to ensure the confidentiality of your information.

Some states have specific requirements related to data security in the debt settlement and debt relief industry. For example:

In Massachusetts, debt settlement companies must develop and maintain a written information security program that includes administrative, technical, and physical safeguards (201 Code of Massachusetts Regulations § 17.00).
In Vermont, debt settlement companies must implement and maintain reasonable security measures to protect against unauthorized access to personal information (9 V.S.A. § 2435).

Your rights You have the right to access, correct, or delete your personal information. You may also opt-out of receiving marketing materials from us at any time. Please contact us if you have any questions about your rights.

Some states have additional requirements related to consumer rights in the debt settlement and debt relief industry. For example:

In California, customers have the right to cancel a debt settlement contract within five business days of signing it (California Civil Code § 1789.22).

In New York, customers have the right to cancel a debt settlement contract within three business days of signing it (New York General Business Law § 601).
In Illinois, customers have the right to cancel a debt settlement contract within 10 business days of signing it (815 ILCS 140/3).

As a debt settlement and debt relief business, we may engage in outbound calling to customers who have provided us with their phone numbers through our website or advertisements. It is important to understand the rules and regulations governing outbound calling, as failure to comply can result in significant penalties.

The Telephone Consumer Protection Act (TCPA) is a federal law that regulates telemarketing calls and text messages. Under the TCPA, companies must obtain prior express written consent from customers before making telemarketing calls or sending text messages. This consent must be clear and conspicuous, and it must include specific disclosures about the nature of the calls or messages.

The TCPA also requires companies to maintain a do-not-call list of customers who have requested not to receive telemarketing calls. Companies must honor these requests and ensure that their marketing campaigns do not target customers on the do-not-call list.

In addition to the TCPA, there are several other federal and state laws that regulate outbound calling and telemarketing. For example:

The Federal Trade Commission’s Telemarketing Sales Rule (TSR) requires telemarketers to disclose certain information at the beginning of the call, including the identity of the caller, the purpose of the call, and the nature of the goods or services being offered.
The California Consumer Privacy Act (CCPA) requires companies to provide customers with certain information about how their personal information is used and shared, including information related to outbound calling and telemarketing.
The New York State Telemarketing and Consumer Fraud and Abuse Prevention Act requires telemarketers to provide customers with certain disclosures before making a sale, including the total cost of the goods or services being offered and any restrictions on refunds or cancellations.

As part of our commitment to privacy and compliance, we adhere to all relevant laws and regulations related to outbound calling and telemarketing. We obtain prior express written consent from customers before making telemarketing calls, and we maintain a do-not-call list of customers who have requested not to receive calls. We also provide customers with clear and conspicuous disclosures about the nature of our calls and the goods or services being offered.

If you have any questions or concerns about our outbound calling practices or privacy policies, please contact us using the information provided on our website.

Changes to this policy We may update this privacy policy from time to time. Any changes will be posted on our website and will take effect immediately.