Privacy Policy

1. Introduction

OnlyOne Relief ("we," "us," or "our") provides debt relief services directly to individuals seeking assistance with debt. This Privacy Policy describes how we collect, use, disclose, and safeguard your personal information when you visit our website, submit an inquiry, or otherwise interact with our services.

By using our website or submitting your information through any form on this site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or submit your information.

2. Information We Collect

We collect the following categories of personal information:

• Contact Information: First name, last name, email address, phone number, and state of residence.
• Financial Information: Type of debt, approximate debt amount, payment status, last payment date, and monthly income range. We do not collect Social Security numbers, bank account numbers, or credit card numbers through our intake forms.
• Technical Information: IP address, browser type and version, operating system, referring URL, pages visited, time and date of visit, and other standard web analytics data.
• Communications: Any messages, inquiries, or other communications you send to us.

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To evaluate your debt and provide you with debt relief services based on your stated needs and qualifications.
• Communications: To contact you by phone, text message (SMS/MMS), email, or other means regarding your inquiry, including through the use of automated telephone dialing systems (ATDS) or pre-recorded/artificial voice messages, where you have provided prior express written consent.
• Service Improvement: To analyze usage patterns, improve our website, and optimize our enrollment process.
• Legal Compliance: To comply with applicable laws, regulations, and legal processes, including the Telephone Consumer Protection Act (TCPA), the FTC Telemarketing Sales Rule (TSR), the California Consumer Privacy Act (CCPA), and other applicable state and federal laws.
• Fraud Prevention: To detect, prevent, and address fraudulent activity or other illegal conduct.

4. Sharing Your Information

OnlyOne Relief provides debt relief services directly and does not share your personal information with other companies for their own marketing purposes. We may share your information with:

• Service Providers: Third-party vendors who assist us in operating our website, processing data, or providing analytics (e.g., web hosting, email delivery, analytics platforms). These vendors are contractually obligated to use your information only as directed by us.
• Legal Authorities: Government agencies, law enforcement, or other parties as required by law, court order, or to protect our legal rights.
• Business Transfers: In connection with a merger, acquisition, or sale of all or a portion of our assets, in which case your information may be transferred as a business asset.

We do not sell your personal information to data brokers or unaffiliated third parties for their own independent marketing purposes.

5. TCPA Consent and Communications

By submitting a form on this website, you expressly consent, by electronic signature, to receive communications from OnlyOne Relief, including through the use of an automated telephone dialing system (ATDS), artificial or pre-recorded voice messages, SMS/MMS text messages, and email, at the phone number and email address you provide, even if your number is listed on a state or federal Do Not Call registry.

Consent is not a condition of any purchase. You may opt out of receiving communications at any time by:

• Replying "STOP" to any text message you receive from us;
• Calling us at (667) 446-3013;
• Emailing us at [email protected]; or
• Using any other reasonable means to communicate your revocation of consent.

We will honor all opt-out requests within 10 business days. Carrier message and data rates may apply to text messages.

6. California Privacy Rights (CCPA/CPRA)

If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), grants you the following rights:

• Right to Know: You have the right to request that we disclose what personal information we collect, use, disclose, and sell about you.
• Right to Delete: You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
• Right to Correct: You have the right to request correction of inaccurate personal information we maintain about you.
• Right to Opt Out of Sale/Sharing: You have the right to opt out of the sale or sharing of your personal information. To exercise this right, please contact us at [email protected].
• Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.

To submit a CCPA request, contact us at [email protected] or (667) 446-3013. We will respond within 45 days of receipt of your verifiable consumer request.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, comply with our legal obligations, resolve disputes, and enforce our agreements. Consent records, including timestamps, IP addresses, and the exact disclosure language presented at the time of consent, are retained for a minimum of five (5) years in accordance with TCPA best practices.

8. Cookies and Tracking Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect technical information about your visit, improve our website, and deliver relevant content. You may control cookie settings through your browser settings; however, disabling cookies may affect the functionality of certain parts of our website.

9. Security

We implement commercially reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our forms use 256-bit SSL encryption. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

10. Children's Privacy

Our website is not directed to individuals under the age of 18. We do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us immediately at [email protected] and we will promptly delete it.

11. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those sites. We encourage you to review the privacy policies of any third-party sites you visit.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "Last Updated" date. Your continued use of our website after any changes constitutes your acceptance of the updated policy. We encourage you to review this policy periodically.

13. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us: