Privacy Policy

Last updated: June 16, 2026

This Privacy Policy describes how Debt Relief Karma (“Debt Relief Karma,” “we,” “us,” or “our”) and its partner organizations collect, use, store, share, and protect your information when you use our website at debtreliefkarma.com, our mobile applications, and any related products, features, or services that link to this Privacy Policy (together, the “Services”).

Debt Relief Karma is a debt-relief information, education, and matching service that operates exclusively in the United States. We are not a lender, creditor, debt-settlement provider, credit-repair organization, or law firm, and we do not make credit decisions or negotiate debts ourselves. We help connect consumers with independent third-party debt-relief providers, lenders, and related service providers (collectively, our “Partners” or “partner organizations”) that may be able to assist with a consumer’s financial situation.

Please read this Privacy Policy carefully. By accessing or using the Services, you acknowledge that you have read and understood it. If you do not agree with our policies and practices, please do not use the Services.

Summary of Key Points

This summary highlights key points from our Privacy Policy. Full details follow in the numbered sections below.

What we collect. Information you provide (such as your name, contact details, date of birth, and information about your debts and finances), information collected automatically (such as device and usage data), and — only with your authorization — credit and financial information obtained through a soft inquiry that does not affect your credit score.
Sensitive information. Because we operate a debt-relief matching service, we do collect certain sensitive information, including financial information and, with your consent, credit-report information. We use it only to provide the Services.
How we use it. To operate the Services, match you with Partners, verify your identity and consent, communicate with you (including, with your consent, by autodialed or pre-recorded calls and text messages), prevent fraud, comply with law, and improve the Services.
How we share it. With the debt-relief Partners and lenders you ask to be matched with, with service providers that support our operations, and as otherwise described below. Depending on your state, some of this sharing may be considered a “sale” or “sharing” of personal information.
Your rights. Depending on where you live, you may have rights to access, correct, delete, or obtain a copy of your information, and to opt out of certain sharing. See Sections 12 and 13.
Contact. You can reach us at contact@debtreliefkarma.com or by mail at the address in Section 17.

1. What Information Do We Collect?
2. How Do We Use Your Information?
3. What Legal Bases Do We Rely On?
4. When and With Whom Do We Share Your Information?
5. Do We “Sell” or “Share” Your Information?
6. Calls, Text Messages, and Marketing (TCPA)
7. Credit and Financial Information (FCRA)
8. Cookies and Tracking Technologies
9. Third-Party Websites and Services
10. How Long Do We Keep Your Information?
11. How Do We Keep Your Information Safe?
12. Your Privacy Rights
13. U.S. State Privacy Rights
14. Financial Privacy (GLBA) Notice
15. Children’s Privacy
16. Do We Make Updates to This Policy?
17. How Can You Contact Us?
18. How Can You Review, Update, or Delete Your Information?

1. What Information Do We Collect?

Information you provide to us

We collect information you voluntarily provide when you use the Services, request to be matched with a Partner, complete our online forms, create an account, or otherwise contact us. This may include:

Identifiers: first and last name, email address, telephone number, postal or mailing address, and, if you create an account, a username and password.
Demographic and eligibility information: date of birth or age, state of residence, employment status, income and income frequency, housing status, and military or veteran status.
Financial information: the approximate amount and types of debt you wish to address and related details you choose to share.
Consent and verification records: the disclosures you were shown, your consent choices, certificate or transaction identifiers that document your consent, and the date, time, and IP address associated with them.
Communications: the content of messages, calls, or correspondence you exchange with us or our Partners, which may be recorded or monitored for quality, training, compliance, and dispute-resolution purposes.

All information you provide must be true, complete, and accurate, and you must notify us of any changes.

Sensitive information

To provide a debt-relief matching service, we collect certain categories of sensitive information, including financial information and — only where you expressly authorize it — credit-report information. We collect sensitive information only as needed to provide the Services and, where required, with your consent. You may have the right to limit our use of certain sensitive information (see Section 13).

Information collected automatically

When you visit or use the Services, we and our service providers automatically collect certain information, which may include your IP address, device and browser characteristics, operating system, language preferences, referring URLs, the pages and features you use, the dates and times of your activity, diagnostic and crash information, and marketing or attribution identifiers (such as a click identifier passed in a link). We use cookies, pixels, web beacons, session-replay tools, and similar technologies to collect some of this information (see Section 8).

Location information

We collect approximate location information (for example, derived from your IP address) and, where applicable, the state you select. This helps us determine which Partners and programs may be available to you.

Information from third parties

We may receive information about you from third parties, including: (a) with your authorization, credit and financial information from a consumer-permissioned data provider through a soft inquiry that does not affect your credit score; (b) marketing, advertising, and attribution partners and analytics providers; and (c) our debt-relief and lending Partners, who may share the status of your inquiry or application.

2. How Do We Use Your Information?

We use your information to provide and improve the Services, match you with Partners, communicate with you, prevent fraud, and comply with law.

We use your information to:

operate, provide, maintain, and improve the Services;
evaluate your eligibility and match you with debt-relief providers, lenders, and other Partners;
transmit your inquiry to the Partners you ask to be connected with so they can contact you and present options;
verify your identity and document your consent;
communicate with you about the Services, including service messages and, where you have consented, marketing and promotional messages and autodialed or pre-recorded calls and text messages;
request, obtain, and process credit or financial information where you authorize it;
perform analytics, research, and reporting and measure marketing performance;
detect, investigate, and prevent fraud, abuse, and security incidents;
comply with legal obligations, enforce our terms, and protect our rights and the rights, safety, and property of others; and
fulfill any other purpose disclosed to you or to which you consent.

3. What Legal Bases Do We Rely On?

Where required by applicable law, we process your information on one or more of the following bases: your consent; performance of a contract or to take steps at your request; our legitimate interests in operating and improving the Services and our business (where not overridden by your rights); and compliance with legal obligations. You may withdraw consent at any time, which will not affect processing already carried out.

4. When and With Whom Do We Share Your Information?

We share your information with the Partners you ask to be matched with, with service providers, and as otherwise described here.

Debt-relief providers, lenders, and other Partners. When you request to be matched, we share the information reasonably necessary for our Partners to evaluate your situation, contact you, and present products or programs. Once a Partner receives your information, that Partner’s own privacy policy governs its use of the information.
Service providers and processors. We share information with vendors that perform services for us, such as cloud hosting and storage, analytics and session replay, marketing and attribution, communications and telephony (calls, SMS, and email), identity and consent verification, customer-relationship management, and professional advisors. They may use the information only to provide services to us.
Advertising and analytics partners. We may share online identifiers and usage information with advertising and analytics partners to measure and deliver marketing. Depending on your state, this may be considered a “sale” or “sharing” of personal information (see Section 5).
Business transfers. We may share or transfer information in connection with a merger, financing, acquisition, reorganization, or sale of all or part of our business or assets.
Legal, safety, and compliance. We may disclose information to comply with law, regulation, legal process, or governmental request; to enforce our agreements; or to protect the rights, property, or safety of Debt Relief Karma, our users, or others.
Affiliates. We may share information with our corporate affiliates, who will honor this Privacy Policy.
With your consent or at your direction.

5. Do We “Sell” or “Share” Your Information?

Because Debt Relief Karma is a matching service, when you ask to be connected with a debt-relief provider or lender, we transmit your information to those Partners so they can contact you. We also share certain online identifiers with advertising and analytics partners. Under some U.S. state privacy laws, these activities may be considered a “sale” of personal information or “sharing” for targeted (cross-context behavioral) advertising. We do not knowingly sell or share the personal information of consumers under 16 years of age.

You have the right to opt out. To opt out of the sale or sharing of your personal information, email us at contact@debtreliefkarma.com with the subject line “Do Not Sell or Share My Personal Information,” or use any opt-out link or preference signal we make available. We honor recognized opt-out preference signals, such as Global Privacy Control (GPC), where required by law. Opting out of marketing or analytics sharing does not stop us from connecting you with a Partner you have actively requested.

6. Calls, Text Messages, and Marketing (TCPA)

If you provide your telephone number and consent, you authorize Debt Relief Karma, its partner organizations, and their service providers to contact you at that number — including by automatic telephone dialing systems, artificial or pre-recorded voice, and SMS or text messages — for marketing and servicing purposes, even if your number is on a state, federal, or internal Do-Not-Call list. Consent is not a condition of purchasing any goods or services. Message and data rates may apply, and message frequency varies. You may opt out of texts at any time by replying STOP, and you may withdraw consent for calls by contacting us at contact@debtreliefkarma.com. Calls may be recorded or monitored for quality, training, and compliance purposes.

7. Credit and Financial Information (FCRA)

If you choose to view debt-relief or lending options that require it, you may authorize a consumer-permissioned data provider to obtain a copy of your credit profile through a soft inquiry, which does not affect your credit score. By providing that authorization, you provide “written instructions” under the Fair Credit Reporting Act (FCRA) authorizing the retrieval of your credit information for the purpose of matching you with appropriate options. We use this information only to provide the Services and handle it as described in this Privacy Policy.

8. Cookies and Tracking Technologies

We and our service providers use cookies, pixels, web beacons, software development kits, session-replay tools, and similar technologies to operate and secure the Services, remember your preferences, analyze usage, and measure and deliver advertising. You can usually set your browser to remove or reject cookies, and you can opt out of certain interest-based advertising through industry tools. Some features of the Services may not function properly without certain technologies.

9. Third-Party Websites and Services

The Services may link to, or be accessed through, third-party websites, advertisements, or applications that we do not control, including those of our Partners. We are not responsible for the privacy or security practices of third parties. Any information you provide to a third party is governed by that party’s own privacy policy, which we encourage you to review.

10. How Long Do We Keep Your Information?

We keep your information only for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer period is required or permitted by law (for example, to comply with tax, accounting, recordkeeping, or other legal obligations, or to establish, exercise, or defend legal claims). Credit and financial information collected to match you with options is retained for a limited period and then deleted or de-identified. When we no longer need information, we delete, anonymize, or securely isolate it until deletion is possible.

11. How Do We Keep Your Information Safe?

We maintain reasonable administrative, technical, and physical safeguards designed to protect your information, including encryption of sensitive information in transit and at rest, access controls, and use of service providers that maintain recognized security standards. These measures are consistent with applicable data-security laws, including the New York SHIELD Act. However, no method of transmission or storage is completely secure, and we cannot guarantee absolute security. You use the Services and transmit information to us at your own risk, and you should access the Services only within a secure environment.

12. Your Privacy Rights

Depending on where you live, you may have some or all of the following rights regarding your personal information: to know or access the information we hold about you; to correct inaccurate information; to delete information; to obtain a portable copy; to opt out of the sale or sharing of personal information and of targeted advertising and certain profiling; to limit the use of sensitive information; and to not receive discriminatory treatment for exercising your rights. You may also unsubscribe from marketing communications at any time using the unsubscribe link in our emails or by contacting us; we may still send you non-marketing, service-related messages.

To exercise your rights, email us at contact@debtreliefkarma.com or write to the address in Section 17. For your protection, we may need to verify your identity before responding, and we may decline requests as permitted by law. You may use an authorized agent to submit a request, subject to verification. We will respond within the timeframes required by applicable law. If we decline your request, you may appeal by replying to our response; if you remain unsatisfied, you may contact your state Attorney General.

13. U.S. State Privacy Rights

This Section provides additional disclosures for residents of U.S. states with applicable privacy laws. The rights available to you depend on your state of residence and on whether an exception applies. To exercise any right, contact us as described in Section 12.

Categories of information

In the preceding 12 months, we may have collected the categories of information described in Section 1 (identifiers; demographic, eligibility, and financial information; sensitive information; commercial information; internet and network activity; approximate geolocation; and inferences), and we may have disclosed those categories to the recipients described in Section 4 for the business and commercial purposes described in Section 2.

California (CCPA/CPRA)

California residents have the rights to know, access, correct, and delete personal information; to opt out of the sale or sharing of personal information; to limit the use and disclosure of sensitive personal information; and to non-discrimination for exercising these rights. California’s “Shine the Light” law also lets California residents request information about disclosures to third parties for their direct-marketing purposes. Submit requests as described in Section 12.

Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, and other states

Residents of states that have enacted comprehensive consumer-privacy laws — including Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Florida, Delaware, Iowa, Indiana, Kentucky, Maryland, Minnesota, Nebraska, New Hampshire, Rhode Island, and Tennessee, among others — have the rights to confirm whether we process their personal data; to access, correct, and delete it; to obtain a portable copy; and to opt out of targeted advertising, the sale of personal data, and certain profiling. You may appeal a decision regarding your request as described in Section 12.

New Jersey

New Jersey residents have rights under the New Jersey Data Privacy Act, including the rights to access, correct, delete, and obtain a copy of their personal data, and to opt out of targeted advertising, the sale of personal data, and certain profiling. We obtain consent before processing sensitive data where the law requires it.

New York

We handle the personal information of New York residents in accordance with applicable New York law, including the data-security requirements of the New York SHIELD Act. New York residents may contact us with privacy requests as described in Section 12.

Nevada

Nevada residents may submit a request to opt out of the sale of certain covered information by contacting us at contact@debtreliefkarma.com.

14. Financial Privacy (GLBA) Notice

Some information we collect in connection with debt-relief and lending inquiries may be considered nonpublic personal information under the federal Gramm-Leach-Bliley Act (GLBA). Where the GLBA applies, we collect, use, and share such information only as permitted by law and as described in this Privacy Policy — for example, to provide a product or service you request, to process and service your inquiry, and with the Partners and service providers needed to do so. We maintain physical, electronic, and procedural safeguards to protect this information.

15. Children’s Privacy

The Services are intended for adults 18 years of age or older. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected information from a person under 18, we will delete it. If you believe a child has provided us information, contact us at contact@debtreliefkarma.com.

16. Do We Make Updates to This Policy?

Yes. We may update this Privacy Policy from time to time. The updated version will be indicated by a revised “Last updated” date and is effective when posted. If we make material changes, we may notify you by posting a prominent notice or by other means as required by law. We encourage you to review this Privacy Policy periodically.

17. How Can You Contact Us?

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

Debt Relief Karma
Email: contact@debtreliefkarma.com
228 Park Ave S PMB 849662
New York, New York 10003-1502
United States

18. How Can You Review, Update, or Delete Your Information?

Subject to applicable law, you may have the right to request access to the personal information we hold about you, to correct or update it, or to request its deletion. To make a request, email us at contact@debtreliefkarma.com or write to the address above. We will respond consistent with applicable law and may need to verify your identity first.