Privacy Policy

This Privacy Policy explains how Score Digital LLC (“DebtCut,” “we,” “us”), operator of relievedebt.com, collects, uses, shares, and retains information about you. It applies to this website and to the form at relievedebt.com/apply.

1. Who we are, and what we do with your information

DebtCut is a marketing and lead-generation service. We are not a lender, debt relief provider, debt settlement company, credit counseling agency, credit repair organization, or law firm, and we are not an agent of any of them. We do not enroll you in a program, negotiate with your creditors, hold or disburse your funds, make credit decisions, or take the final program application.

The purpose of our form is to collect your information and pass it to third-party debt relief and marketing partners, who pay us for it and who will contact you. That is the core of our business, and it is the most important thing for you to understand about how we handle your data. Everything below describes that arrangement in detail.

2. Information we collect

Information you give us

Our form asks for the following, and nothing else:

• Your debt situation — the approximate amount of unsecured debt you report using the slider on our homepage, and the state you live in.
• Contact information — your first and last name, phone number, and email address.
• Address and date of birth — your street address, city, state, and ZIP code, and your date of birth. Partners use these to identify you and to determine what is available where you live.
• Your communication choices — whether you opted in to text messages.

Information we record about your consent

When you submit a step of the form, we record the exact consent language displayed to you, which page you submitted, and the date and time. We keep this to demonstrate that consent was given, as federal telemarketing rules require. See Retention.

Information collected automatically

Our hosting provider records standard web-server information, including your IP address, browser and device type, the pages you request, and referring URLs. Your browser also stores your answers on your own device while you move through the form, so you do not have to retype them; that data stays in your browser and is cleared when you close the tab. If we add analytics or advertising technologies in future, they will be governed by Cookies, analytics, and Global Privacy Control.

Information we do not collect

We do not ask for, and our form cannot accept, your Social Security number, your income, your bank or credit card account numbers, your account log-in credentials, or any payment. We never ask you to pay us anything — our service is free to you. If a debt relief partner needs that information, the partner collects it directly, on its own website or by phone, under its own privacy notice. If anyone contacts you claiming to be DebtCut and asks for a payment, a Social Security number, or bank details, it is not us — please report it to connect@scorehq.co.

We do not knowingly collect “sensitive personal information” as that term is defined under California law, and we do not use or disclose any such information for purposes that would give rise to a right to limit its use.

3. How we use your information

• To connect you with debt relief and marketing partners, and to transmit your information to them.
• To let partners contact you about debt relief options, by phone, text, and email.
• To operate, secure, and improve the site, and to measure which marketing channels work.
• To respond to your questions and to handle your privacy requests.
• To keep records of consent, and to comply with legal obligations and defend legal claims.

We do not use your information to make any decision about your credit, and we do not engage in profiling that produces legal or similarly significant effects for you.

4. How we share your information

We share everything you submit with our debt relief and marketing partners — your name, phone number, email address, mailing address, date of birth, reported debt amount, and state — so that they can contact you and present options. We may redirect you to a partner’s own website to continue, and more than one partner may receive your information — up to 3. Once a partner has your information, that partner controls it under its own privacy policy, and you will need to contact the partner directly to exercise rights against it.

Categories of personal information, and what we do with each

The table below states, for the twelve months preceding the effective date of this policy, the categories of personal information we collect, where each comes from, why we use it, and — because we are a seller of personal information — the categories of third parties that receive it. Category names follow the California Consumer Privacy Act so they can be compared with other companies’ notices.

We have not sold or shared the personal information of any consumer we know to be under 16. We do not use or disclose sensitive personal information for purposes that would give you a right to limit that use.

We also share information with:

• Service providers that host the site, deliver email, or store our consent records.
• Professional advisers, regulators, and law enforcement, where required by law, to respond to lawful requests, or to establish or defend legal claims.
• A successor, if the business or its assets are sold, merged, or reorganized.

We do not otherwise sell or rent your information to parties who are not part of the partner network described above.

“Sale” and “sharing” under state privacy laws

We are paid by partners when we pass on your information. Under California, Colorado, Connecticut, Texas, Virginia, and other state privacy laws, that is a “sale” of personal information, and if we later use advertising cookies it would also be “sharing” for cross-context behavioral advertising. We disclose this plainly rather than burying it: we sell your personal information, and you have the right to tell us to stop. See Do Not Sell or Share My Personal Information.

Opting out stops future sharing. It cannot retrieve information a partner already holds, and it does not by itself stop a partner from contacting you — to stop that, contact the partner, or see Calls, texts, and emails.

The reverse is also true. Because both we and our partners may contact you, unsubscribing from one of us does not stop the others. Telling a partner to stop does not stop DebtCut, and telling DebtCut to stop is passed on to partners we have already shared your information with but does not guarantee they act on it, because each partner is independent and controls its own contact practices. To stop all contact reliably, tell each sender directly — and tell us as well, so we can stop sharing your information going forward.

5. Consumer reports and the Fair Credit Reporting Act

DebtCut does not run a credit check on you as part of our form, and we do not receive a credit score from you.

At the final step of the form, you provide “written instructions” under the Fair Credit Reporting Act (FCRA) authorizing DebtCut and the debt relief partners we match you with to obtain information from your consumer report, solely to present debt relief options and for identity and fraud prevention purposes. That authorization is what gives a partner a permissible purpose to pull a report about you; it is the reason we ask for your date of birth and address, which are needed to match you to the right file.

You can decline simply by not submitting that step — nothing on the earlier steps authorizes a consumer report. A pull made under this authorization is a request you initiated. Your rights under the FCRA, including the right to a free annual report and the right to dispute inaccurate information, are described at consumerfinance.gov.

6. Calls, texts, and emails — and how to stop them

By giving us your phone number and submitting the form, you agree that DebtCut and its debt relief and marketing partners may contact you at that number — including by autodialer, automated technology, artificial or prerecorded voice, and text message — even if the number is on a state or federal Do-Not-Call list. Consent is not a condition of purchasing anything, and our service is free to you. Message and data rates may apply.

You can revoke consent at any time, by any reasonable means. Reply STOP to any text, say so on any call, use the unsubscribe link in any email, or email connect@scorehq.co. We will honor a revocation we receive promptly and in any event within the time federal rules allow, and we will pass it to partners we have already shared your information with. Because those partners are independent, you may also need to tell them directly; if calls continue, tell us and we will identify who received your information.

You may also ask to be added to our internal do-not-call list, which we maintain as federal telemarketing rules require, by emailing connect@scorehq.co.

7. Your privacy rights

Depending on where you live, you may have some or all of the following rights. We do not discriminate against you for exercising them.

• Know and access — what we collect, why, and who we share it with.
• Correct inaccurate information we hold about you.
• Delete information we hold about you.
• Port a copy of it in a portable format.
• Opt out of sale and sharing, and of targeted advertising and certain profiling.
• Appeal a decision we make on your request.

How to make a request. Use our privacy request form, email connect@scorehq.co, or call (877) 992-3403.

We take reasonable steps to verify your identity before acting, generally by confirming information you have already given us. An authorized agent may submit a request for you, and we may ask for proof of authorization.

How quickly we respond. We acknowledge a request within 10 business daysand respond substantively within 45 days. Where a request is complex or we receive several from you, we may extend once by a further 45 days, and we will tell you within the first 45 that we are doing so and why. A request to stop the sale or sharing of your information is actioned as soon as reasonably feasible and in any event within 15 business days. If we deny a request, we will tell you why, and you may appeal by replying to our response; we decide appeals within 60 days. If an appeal is denied, you may complain to your state attorney general, and we will tell you how.

Limits. We may be unable to delete records we are required to keep — principally consent records, which telemarketing rules require us to retain (see How long we keep your information). Deleting your information from our systems does not delete it from a partner’s.

State-specific notes

• California. California residents may also request, once a year and free of charge, information about personal information we disclosed to third parties for their direct marketing purposes (Civil Code § 1798.83). Email connect@scorehq.co with “Shine the Light” in the subject.
• Nevada. Nevada residents may submit a verified request not to have covered information sold, to connect@scorehq.co.
• All states. We honor opt-out preference signals, including Global Privacy Control, as described in Cookies, analytics, and Global Privacy Control.

8. Financial privacy (Gramm-Leach-Bliley)

Because we do not collect your Social Security number, income, account numbers, or other nonpublic personal financial information as defined by the Gramm-Leach-Bliley Act, we do not provide a financial-institution privacy notice. A partner that collects that information is responsible for providing any notice required for it.

9. Data security

We maintain commercially reasonable administrative, technical, and physical safeguards designed to protect the limited information we handle. The site is served over an encrypted connection. No method of transmission or storage is completely secure, however, and we cannot guarantee absolute security. Note also that once we transmit your information to a partner, its security is that partner’s responsibility.

10. How long we keep your information

• Consent records — the consent text shown to you, the page, and the timestamp:five years from the date of submission. Federal telemarketing rules require records of consent to be retained, and the period we apply is set by the longest limitation period during which a related claim could be brought against us.
• Form submissions — the contact and debt details you enter: 24 months from submission, then deleted or de-identified. The period is set by how long a partner may still be working an enquiry and by our need to answer questions about a match we made.
• Opt-out and do-not-call records — kept indefinitely. This is deliberate: the only way to keep honoring your choice is to keep a record that you made it, so we retain the minimum needed to suppress you (contact identifiers and the date) and nothing else.
• Privacy request records — 24 months from closure, which is the period state privacy laws require us to be able to demonstrate how we handled a request.
• Server logs — 30 days, for security and troubleshooting.

Where a record is subject to a legal hold, or is needed to establish or defend a legal claim, we keep it until that need ends, even if the period above has passed.

11. Cookies, analytics, and Global Privacy Control

We use only what the site needs to work: your browser stores your cookie choice, and it stores your form answers while you are completing the form. We do not currently run analytics, advertising pixels, or cross-site tracking technologies. If we add any, we will load them only where you have accepted them in our cookie banner, we will update this policy first, and we will treat any advertising technology as “sharing” under state privacy law.

We honor the Global Privacy Control (GPC) and similar browser opt-out preference signals as a valid opt-out of sale and sharing.

12. Children’s privacy

The service is for adults 18 and older. It is not directed to children, and we do not knowingly collect information from anyone under 18. If you believe a minor has given us information, email connect@scorehq.co and we will delete it.

13. Changes to this policy

We may update this policy and will post the revised effective date at the top. If we make a material change to how we use or share information you already gave us, we will take the steps applicable law requires before applying the change to that information.

14. Contact us

Questions about this policy, your data, or a request. One inbox handles all of them, so a clear subject line (for example “Privacy request” or “Do not call”) helps us route yours quickly: