Privacy Policy

Who We Are

HelpDebtExit.com is an educational website that publishes guides about high-interest consumer debt, debt collection, and borrower rights. We do not originate loans, provide legal advice, or arrange financial services. References to lenders, collectors, and regulators are for educational purposes only.

Information We Collect

We collect only the minimum information needed to operate the site:

• Server logs — standard web-server logs (IP address, browser type, pages visited, timestamps) retained for up to 90 days for security and analytics purposes.
• Analytics — we use privacy-respecting analytics to understand aggregate traffic patterns. No individual user profiles are built.
• Search queries — if you use our on-site search, the query string is processed client-side using our static search index. We do not store individual search queries on our servers.
• Cookies — we use strictly necessary cookies to remember your preferences (such as search state). We do not set advertising or tracking cookies.

We do not collect your name, email address, phone number, financial account information, or Social Security number. We do not run contact forms, newsletter sign-ups, or user accounts.

How We Use Information

• To serve the website and diagnose technical problems
• To understand aggregate traffic and improve content
• To comply with applicable law

We do not sell, rent, or trade your information to third parties. We do not use your information for targeted advertising.

Third-Party Services

We use a small number of third-party services to operate the site:

• Cloudflare Pages — hosting and content delivery. Cloudflare may process IP addresses and request metadata in accordance with Cloudflare's Privacy Policy.
• Google AdSense — we display ads from Google's ad network. Google may use cookies and similar technologies to serve contextual and interest-based ads. You can opt out at google.com/settings/ads or via the NAI opt-out page.

We are not responsible for the privacy practices of third-party sites we link to, including lender websites, regulatory agencies, or legal-aid organizations.

Your Rights

Depending on where you live, you may have rights to access, correct, or delete personal data we hold about you. Because we collect very limited data, most requests can be resolved by simply not visiting the site. To make a privacy request, contact us at the address below.

California residents: we do not sell personal information as defined under the California Consumer Privacy Act (CCPA). We do not share personal information for cross-context behavioral advertising.

Data Retention

Server logs are retained for up to 90 days. Aggregate analytics data may be retained indefinitely in anonymized form. We do not retain any personally identifiable financial data because we do not collect it.

Children's Privacy

This site is not directed at children under 13 and we do not knowingly collect personal information from children. If you believe a child has provided us personal information, please contact us and we will delete it promptly.

Changes to This Policy

We may update this policy from time to time. Material changes will be reflected in an updated effective date at the top of this page. Continued use of the site after a change constitutes acceptance of the revised policy.