Privacy Policy

At Talk About Debt ("we," "us," or "our"), we respect your privacy and are committed to protecting the personal information you share with us. This Privacy Policy explains how we collect, use, disclosure, and safeguard your information when you visit our website talkaboutdebt.ai (the "Site") or engage with our AI counselor, Zero.

By using our Services, you consent to the data practices described in this policy.

1. Information We Collect

We collect information in the following ways:

A. Information You Provide to Us

• Chat Data: When you chat with Zero (our AI chatbot), we process and store the text of your conversation to provide you with relevant answers. Please do not share sensitive financial information (like bank account passwords or full Social Security Numbers) in the chat.
• Forms & Referrals: If you choose to connect with one of our partners (e.g., for credit counseling or debt settlement), we collect the specific information you enter into our intake forms, such as your:
• Name
• Email address
• Phone number
• Estimated debt amount
• Correspondence: If you contact us directly via email, we collect the content of your message and your contact details.

B. Automatically Collected Information

When you visit the Site, we may automatically collect certain information about your device and usage, including:

• IP address
• Browser type and operating system
• Pages viewed and time spent on the Site
• Referring website addresses

2. How We Use Your Information

We use the information we collect to:

• Operate and Improve Zero: Training our AI to be more helpful and accurate (chats are anonymized for training purposes).
• Facilitate Referrals: If you submit a request for help (e.g., "Connect me with Cambridge Credit Counseling"), we transmit your data securely to that specific partner via our automation systems so they can contact you.
• Communicate with You: To send you confirmations, updates, or responses to your inquiries.
• Legal Compliance: To comply with applicable laws and regulations.

3. How We Share Your Information

We do not sell your personal data to data brokers.

We share your information only in the following specific circumstances:

• With Your Consent (Partners): We share your information with third-party partners (such as non-profit credit counseling agencies or debt settlement firms) only when you explicitly request it by filling out a referral form.
• Service Providers: We may share data with trusted third-party vendors who help us operate our business (e.g., website hosting, email delivery, AI processing providers). These vendors are bound by confidentiality agreements.
• Legal Requirements: We may disclose your information if required to do so by law or in response to valid requests by public authorities.

4. Your AI Data & Chat Privacy

Zero is powered by artificial intelligence. While we take strong measures to secure your chat history, please be aware that:

• Chats are stored to allow you to continue conversations.
• Anonymized chat logs may be reviewed by our team to improve Zero's safety and accuracy.
• Right to Delete: If you wish to have your chat history permanently deleted from our servers, please email us at help@talkaboutdebt.ai, and we will promptly scrub your data.

5. Data Security

We use administrative, technical, and physical security measures to help protect your personal information. This includes using Secure Socket Layer (SSL) encryption for data transmission. However, no electronic transmission over the Internet is 100% secure, so we cannot guarantee absolute security.

6. Children's Privacy

Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have collected data from a child under 18, we will take steps to delete such information.

7. Third-Party Websites

Our Site may contain links to third-party websites. This Privacy Policy does not apply to those external sites. We encourage you to review the privacy policies of any third-party sites you interact with.

8. Your Data Rights

Depending on your location, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data ("The Right to be Forgotten").
• Opt-out of marketing communications.

To exercise any of these rights, please contact us at help@talkaboutdebt.ai.

9. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Revised" date at the top of this policy. Your continued use of the Site after any changes indicates your acceptance of the new policy.

10. Contact Us

If you have questions or comments about this Privacy Policy, please contact us at:

Talk About Debt

Email: admin@talkaboutdebt.ai