Privacy Policy

Updated February 19, 2008

Debtsy is concerned about your privacy and values the trust you place in us to handle your information with honesty and integrity. By visiting Debtsy.com, you are accepting the practices outlined in this Privacy Policy.

What type(s) of information does Debtsy collect about me?

We collect only the information that you provide us through the use of the site and its services, either through your direct submission of information (i.e. your blog entries, account updates and/or goal updates) or the indirect information provided automatically through your interactions with the Debtsy site. This information is used to further enhance and improve the Debtsy site and its services. We collect the following:

• Direct Submissions: Information that you provide as part of your account setup or through the submission of monthly net worth information is considered a direct submission. This information is used to build the Debtsy service, customize your experience of the site, and respond to your support needs. Some of this information is optional and is not required in order to use the site and its services.
• Indirect Information: By browsing the web, you automatically provide some information to the web sites that you visit, such as your IP address, browser type and version. This information is collected and used to help improve the Debtsy site and services by helping us maintain compatibility and monitor usage levels. Like many other websites, our site uses "cookies" to customize your experience and make the use of the site easier. You do not have to allow the use of cookies in your browser in order to use the Debtsy site in general, but some sections of the site will require this cookie in order to provide you with private, customized access to some functions.

What Are Cookies?

Cookies are alphanumeric identifiers that we may transfer to your computer's hard drive through your Web browser to enable our systems to recognize your browser and tell us how and when pages in our website are visited and by how many people.

Debtsy cookies do not collect personal information, and we do not combine information collected through cookies with other personal information to tell us who you are or what your email address is.

The 'help' portion of the toolbar on the majority of browsers will direct you on how to prevent your browser from accepting new cookies, how to command the browser to tell you when you receive a new cookie, or how to fully disable cookies. We strongly recommend that you leave the cookies activated, however, because cookies enable you to take advantage of some of Debtsy's most attractive features.

Some of our business partners may use cookies on our website (for example, advertisers). However, we have no access to or control over these cookies.

What Will You Do With Information You Collect?

The primary goal of Debtsy is to provide you with a tool for calculating and tracking your own net worth. In order to protect your privacy, we do not collect any personal identifying information other than your email address. Your information remains yours and will not be shared with others unless you choose to make your profile public, in which case only your net worth info is shared, not your personal email address. We are sincerely concerned about earning your trust and maintaining your privacy.

Since the secondary goal of Debtsy is to be a socially aware system, we do reserve the right to share information in aggregate with others on the website and/or other sites and services, only if we can do so without revealing your personal identifying information. For example, we might share aggregate data about the average net worth of a particular zip code from our database, but not information about individual users' net worth.

In some cases, we may also share information with other companies or agents acting on our behalf to perform specific functions, such as the analysis of data or the support of our internal processes (i.e. sending email or creating aggregates). In these cases, other companies or agents may have access to user information yet will be bound by contract and agreement not to make use of the information for any other purposes.

If Debtsy were to acquire or be acquired by another company, any user data collected would be seen as an asset of the company and would likely be transferred to the acquiring company as part of the business transaction.

To protect our users and Debtsy, we may release personal information when required by law or when the act of not releasing the information could jeopardize the safety, rights or property of Debtsy, our users or others. This does not include the selling, sharing or otherwise disclosing of personally identifying information for commercial purposes as outlined in this Privacy Policy.

Can Advertisers See My Information?

While we do have advertising on some of our web pages, we do not provide any personal information about our users to any of our advertisers. These advertisers do, however, typically use cookies to track the viewing of ads and fall under the same limits of cookie restrictions as mentioned above (see "What Are Cookies?"). We do not have control over the information collected by these third-party advertisers, nor do we provide them with any information.

How Do I Keep My Information Private?

All of your information is kept private until you choose to create a public profile, at which time only your general net worth statistics are made public and your personal information (i.e. email address) continues to remain private. You can add or remove this public profile at any time simply by going to the My Account page and either checking or unchecking the "Make public profile" button on the form.

Age Restrictions

Debtsy is designed for persons age 18 years and older. Use of the site by users under the age of 18 years is not permitted.

Terms of Use, Notices, and Revisions

By visiting the Debtsy.com site and/or using its services, your visit and any dispute over privacy is subject to this Policy and our Terms of Use, including limitations on damages and arbitration of disputes.

If you have questions regarding your privacy at Debtsy.com, please contact the Debtsy Team at privacy@debtsy.com.

As the Debtsy site grows and changes, our business will change as well and we reserve the right to change this Privacy Policy and the Terms of Service as needed to accommodate these business changes. We will e-mail occasional reminders of our policies and terms to you at the email address you have provided in your account, but we encourage you to check our web site frequently to keep up with any changes. Unless stated otherwise, our current Privacy Policy applies to all information that we have about you and your account. We are committed to maintaining our users' privacy and will never modify our policies and practices to lessen the protections placed on user information previously collected without general consent of our affected users.