Privacy Policy
Last Modified: November 05, 2024
Overview
This Online Privacy Policy ("Policy") applies to www.betrlink.com (the “Website”), which is owned and operated by BetrLink, LLC (“BetrLink”, “we”, “Company” or “us”) and is also applicable to your BetrLink account(s). This Policy describes how BetrLink collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.
Privacy is important to BetrLink. We will share your personal information with third parties only in the ways that are described in this Policy and Privacy Statement. We do not sell, rent, trade, or otherwise share your personal information with third parties. If you have any questions about this Policy, please contact us at support@betrlink.com.
Your Consent
This Policy sets forth the Website's current policies and practices with respect to nonpublic personal information of the users of the site. By using this Website, you agree with the terms of this Privacy Policy, including any collection, use, and disclosure of that information in accordance with this Policy.
At BetrLink, we put the needs of our customers first. If you contract with us, the information gathered from you may include personal information such as your name, Social Security Number, date of birth, current address, verification documents, email address and telephone number(s). Any information shared electronically is subject to this Privacy Policy.
PLEASE READ THE FOLLOWING PRIVACY POLICY CAREFULLY BEFORE USING THE WEBSITE. BY USING THIS WEBSITE, YOU SIGNIFY YOUR ASSENT TO THIS AGREEMENT. IF YOU DO NOT ASSENT TO THIS AGREEMENT, PLEASE DO NOT USE THIS WEBSITE.
Information We Collect and Why
We collect personal data for many reasons, including to run our Website, show you your account information, verify access to your account, keep your account and payment information up to date, to protect our business and our customers from risk and fraud, and to comply with laws and enforce our agreements with you and other people who use our services.
Website Visitor Information
We collect various types of anonymous information about visitors to the Website, such as device-related information (including browser type and IP address). We use this information to better understand our visitors and our business, facilitate Website navigation, and comply with the law. We may connect this information with your account, if you have one or if you create an account at a later date.
Customer Information
- When you choose to create an account with BetrLink or use our services, we may also collect certain personal information such as:
- Information that identifies you, such as name, email address, mailing address, phone number, Social Security number, IP address, and information collected from cookies or other tracking technologies
- Records and financial information, such as bank account and routing numbers, utility bills, property tax statements and other statements showing your address
- Audio, electronic, visual, or similar information, such as call recordings when you talk to customer service and photo IDs
- Information we infer based on your personal data, for example fraud and risk assessments
Description of Collection
We recognize the twelve (12) broad categories of personal information referenced in the CCPA that a business may collect about a consumer. In particular, we have collected the following categories of personal information from consumers for specific business purposes within the last twelve (12) months:
| Category | Examples | Collected | Do We Share or Sell* This Information To Third Parties? |
|---|---|---|---|
| A. Identifiers. | A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, or other similar identifiers. | YES | YES |
| B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). | A name, signature, Social Security number, physical characteristics or description, address, telephone number, bank account number, or other financial information. Some personal information included in this category may overlap with other categories. | YES | YES |
| C. Protected classification characteristics under California or federal law. | Age (40 years or older), race, color, national origin, citizenship, marital status, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). | YES | NO |
| D. Commercial information. | Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. | NO | NO |
| E. Biometric information. | Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. | NO | NO |
| F. Internet or other similar network activity. | Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. | YES | NO |
| G. Geolocation data. | Physical location or movements. | NO | NO |
| H. Sensory data. | Audio information (including voice recordings). | YES | NO |
| I. Professional or employment-related information. | Current or past job history or performance evaluations. | NO | NO |
| J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. article 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | NO | NO |
| K. Inferences drawn from other personal information. | Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. | NO | NO |
| L. Sensitive Personal Information | Any information that reveals a consumer's SSN, driver's license number, or passport number, account credentials, precise geolocation, racial and ethnic origin, religious beliefs, biometric data, personal information concerning a consumer's health or sex life or sexual orientation, as well as contents of mail, e-mail and text messages | YES | NO |
*BetrLink does not sell any information and only shares what is necessary to administer your account and to execute payments to your creditors.
Personal information does not include publicly available information from government records, information relating to our job applicants, employees, contractors or other personal, de-identified or aggregated consumer information, or information otherwise legally excluded from the scope, such as information collected pursuant to the GLBA.
In the preceding twelve (12) months, we have disclosed the following categories of personal information to third parties for a business purpose:
- Category A: Identifiers.
- Category B: California Customer Records personal information categories.
- Category C: Protected classification characteristics under California or federal law.
- Category F: Internet or other similar network activity.
- Category H. Sensory data
- Category L: Sensitive Personal Information
In the preceding twelve (12) months, we have not shared information for any advertising or marketing purposes.
Cookies and Other Tracking Technologies
Cookies
We, BetrLink and our analytics or service providers, use technologies such as cookies, beacons, tags, and scripts, to analyze trends, administer the website, track users’ movements around the website, and gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual and aggregated basis.
We use cookies to personalize your experience and monitor visitor traffic on the Website. Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our website, but your ability to use some features or areas of our website may be limited.
Log Files
As is true of most websites, we gather certain information automatically and store it in log files. This information may include internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and/or page views.
We use this information, which does not usually identify individual users, to analyze trends, administer the Website, track users’ movements around the Website and gather demographic information about our user base.
We may record your IP addresses when you use our Website in order to detect and prevent fraud or to prove evidence of an opt in.
We use Local Shared Objects, such as Local Storage and HTML5, to store content information and preferences. We partner with third parties to provide certain features on our website and to display advertising based upon your web browsing activity on our website. We also use Flash cookies and HTML5 to collect and store information. Various browsers may offer their own management tools for removing HTML5. To manage Flash cookies, please click here:http://www.macromedia.com/support/documentation/en/flashplayer/help/settings_manager07.html.
Analytics Services
We use third-party analytics tools, including “Google Analytics” (such tools collectively referred to as “Analytics Services”) to collect information about the usage of this Website. The Analytics Services collect information about how often users visit this Website, what pages they visit, and what other websites they used prior to coming to this Website, among other information.
These Analytics Services collect the IP address assigned to you on the date you visit this Website, along with other anonymized information (e.g., browser type and type of device used to visit the Website), but not your name or other personally identifiable information. The Analytics Services’ ability to use and share information about your visits to this Website is restricted by their terms of use and privacy policies. We do not combine the information collected through the use of Google Analytics with personally identifiable information.
You can prevent Google Analytics from recognizing you on return visits to this Website by rejecting cookies through our website pop-up or disabling cookies on your browser. You can opt-out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
How We Use Your Personal Information
Information Sharing
We may provide your personal information to other parties to a transaction, such as the debt settlement provider, and to agents or service providers acting on our behalf to process payments or verify consumer identity and for limited purposes related to BetrLink’s services. For example, we may share personal information with our agents or service providers to carry out our services and with other people (and their agents and service providers), such as the debt settlement provider, that are not affiliated with BetrLink but are involved in the transaction at issue. These third parties are authorized to use your personal information only to perform the service they are providing for us or to the extent that you have authorized them to do so in accordance with any agreement you may have with them.
We may also use your personal information to communicate with you about our services, such as sending you information about your account, information that we think you may find useful or information which you have requested from us about our products and services, as well as mandatory legal/regulatory disclosures.
We reserve the right to disclose your personal information as required by law (e.g., to comply with a subpoena, warrant, court order, or similar legal process served on us), or to resolve disputes, collect fees, and help you with our services, as well as to identify and fix errors that impede how our services function, make sure that you follow our terms and conditions or other applicable agreements or policies, or for investigating, detecting, preventing, recovering from or reporting fraud, misrepresentations, security breaches or incidents, as well as other potentially prohibited, malicious, or illegal activities, or to otherwise help protect your account, verify or maintain the quality and safety of our services, verify your identity, and when we believe that disclosure is necessary to protect our rights, protect your safety or the safety of others and to investigate fraud.
We may also use your data for any other reason that we may tell you about from time to time.
In the event BetrLink goes through a business transition, such as a merger, acquisition by another company, or sale of all or a portion of its assets, your personally identifiable information will likely be among the assets transferred. You will be notified via email, BetrLink Customer Portal, a prominent notice on our Website and/or your monthly statement(s) of any such change in ownership or control of your personal information, as well as any choices you may have regarding your personal information.
What Are Your Rights and Choices
We provide you the ability to exercise certain controls and choices regarding our collection, use, storage, and disclosure of your personal information.
- Right of Access. You may submit a request for us to provide access to the personal data we may have collected at support@betrlink.com.
- Right to Correct. You may submit a request for us to correct any personal information that we may have collected.
- Right to Delete. Unless an exception applies, you may have the right to request that we delete certain personal information we may have collected.
- Right to Portability. You may have the right to request that we provide the personal information we may have collected in a portable, easily accessible and transportable format.
- Right to Opt-Out for Certain Processing. You may have the right to request that certain information not be used for, processed for profiling/targeted advertising purposes.
- Right to Limit Sensitive Information. You may have a right to limit our use of sensitive personal information for any purposes other than to provide the services or goods you request or as otherwise permitted by law.
- Right of Non-Discrimination. You have a right to exercise your rights under this article free of discrimination. BetrLink will not discriminate against you in any way if you choose to exercise your rights under this article.
Data Retention
BetrLink will retain your information for as long as your account is active or as needed to provide you services. After your account is no longer active, we will retain your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
Links to Other Websites
Our Website may include links to other websites whose privacy practices differ from those of BetrLink.com. If you submit personal information to any of those websites, your information is subject to their privacy policies/statements. We encourage you to carefully read the privacy policy/statement of any website you visit.
Security
The security of your personal information is important to us. We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it. No method of transmission over the Internet, or method of electronic storage, is 100% secure, however. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security. We hold information about you both at our own premises and with the assistance of third-party service providers.
If you have any questions about security on our website, you can contact us at support@betrlink.com.
Do Not Track Disclosures
We do not permit parties to collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.betrlink.com. We also currently do not respond to web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services (“DNT signals”) in browsers because we do not track individual users across the web.
Notice to California, North Dakota and Vermont Residents
In response to state laws, we will only disclose information about individuals with California, North Dakota and Vermont residential addresses with your written authorization unless otherwise permitted or required by law. We will also limit the sharing of information about you with our affiliates, if any, to comply with state privacy laws that apply to us.
Notice to Nevada Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at support@betrlink.com. Nevada law requires that we also provide you with the following contact information:
Bureau of Consumer Protection,
Office of the Nevada Attorney General,
555 E. Washington St., Suite 3900,
Las Vegas, NV 89101
Phone number: 1.702.486.3132
e-mail: bcpinfo@ag.state.nv.us.
Notice to Texas Residents
We are providing you this notice pursuant to state law. You may be placed on our internal Do Not Call List by requesting that we cease calling you by contacting us directly and making such request in writing at support@betrlink.com
If you have a complaint, first contact the customer service support staff of BetrLink, LLC toll free at 1.888.474.1832 (Mon-Fri, 9-5 Eastern). If you still have an unresolved complaint regarding the company's money transmission activity, please direct your complaint to:
Texas Department of Banking,
2601 North Lamar Boulevard,
Austin, Texas 78705
1.877.276.5554 (toll free)
www.dob.texas.gov
Notice to Users Outside of the United States
This Privacy Policy is intended to cover collection of information from residents of the United States. If you are visiting our Website from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. Use of BetrLink’s services by anyone residing outside of the United States is prohibited.
Protecting Children’s Privacy Online
The Website is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Website. We do not knowingly collect information from children under 13 without parental consent. If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Us” article below and we will take all reasonable efforts to remove the information.
Notification of Privacy Policy or Statement Changes
We may update this Privacy Policy and/or Privacy Statement (collectively, the “Notices”) from time to time as our information practices are modified or changed. If we make changes to the Notices, we will revise the “Last Updated” date at the top of this webpage. Any changes to the Notices will become effective when we post the revision(s) on the Website. Your use of the Website following these changes means that you accept the revised Notices.
Contact Information
You can contact us by writing or email us at the address below.
support@betrlink.comBetrLink, LLC
222 Broadway, 22nd Floor
New York, NY 10038
United States
Please print and retain a copy of this privacy policy for your records.
Privacy Statement
Privacy disclosure under the Gramm-Leach-Bliley Act (for customers)
| Facts | What does BetrLink do with your personal information? |
|---|---|
| Why? | Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. |
| What? | The types of personal information we collect and share depend on the product or service you have with us. This information can include, without limitation:
We will retain your information for as long as your account is active or as needed to provide you services. After your account is no longer active, we will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements. |
| How? | All financial companies need to share customers’ personal information to run their everyday business. In the article below, we list the reasons financial companies can share their customers’ personal information; the reasons BetrLink chooses to share; and whether you can limit this sharing. |
| Reasons we can share your personal information | Does BetrLink share? | Can you limit this sharing? |
|---|---|---|
| For our everyday business purposes - such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus | Yes | No |
| For our marketing purposes - to offer our products and services to you | Yes | No |
| For joint marketing with other financial companies | No | We don't share |
| For our affiliates' everyday business purposes - information about your transactions and experiences | No | No |
| For our affiliates to market to you | No | We don't share |
| For nonaffiliates to market to you | No | We don't share |
IMPORTANT: If you are a new customer, we can begin sharing your information thirty (30) days from the date we provided this notice. When you are no longer our customer, we continue to share your information as described in this notice.
| Questions? | Call our customer service at 1.888.474.1832 (Mon-Fri, 9-5 Eastern) or email support@betrlink.com |
| Who we are | |
|---|---|
| Who is providing this Privacy Statement? | This privacy notice is provided by BetrLink, LLC and is applicable to your BetrLink account(s). |
| What we do | |
|---|---|
| How does BetrLink protect my personal information? | To protect your personal information from unauthorized access and use, we use security measures that comply with federal, state and local regulations. These measures include computer safeguards and secured files and buildings. |
| How does BetrLink collect my personal information? | We collect your personal information, for example, when you
We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. |
| Why can't I limit all sharing? | Federal law gives you the right to limit only
State laws and individual companies may give you additional rights to limit sharing. See below for more information on your rights under state law. |
| Definitions | |
|---|---|
| Affiliates | Companies related by common ownership or control. They can be financial and nonfinancial companies.
|
| Nonaffiliates | Companies not related by common ownership or control. They can be financial and nonfinancial companies.
|
| Joint Marketing | A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
|
| Other important information |
|---|
We may transfer personal information to other countries, for example, for customer service or to process transactions. California: Effective January 1, 2020, the California Consumer Act of 2018 (CCPA) permits consumers who are California residents to ask businesses covered under the act about personal data it has collected about the consumer, submit an access or deletion request, and opt-out of the sale of personal information, if applicable. These provisions do not apply to personal data collected, processed, shared, or disclosed by financial institutions pursuant to federal law such as the Gramm-Leach-Bliley Act. Contact us if you have questions about our Privacy Statement, this consumer notice, or your personal data. If your BetrLink account has a California mailing address, we will not share personal information we collect about you except to the extent permitted under California law. To talk about your BetrLink account, call BetrLink Customer Service at 1.888.474.1832 (Mon-Fri, 9-5 Eastern) or e-mail us at support@betrlink.com. Vermont: If your BetrLink account has a Vermont residential address, we will not share personal information we collect about you with non-affiliates unless the law allows, or you provide authorization. Nevada: If your BetrLink account has a Nevada residential address, we are providing this notice pursuant to Nevada law. If you prefer not to receive marketing calls from BetrLink, you may be placed on our internal Do Not Call List by calling 1.888.474.1832 (Mon-Fri, 9-5 Eastern) or e-mailing us at support@betrlink.com. For more information, you can contact BetrLink at 222 Broadway, 22nd Floor, New York, NY 10038 or you can contact the Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington St., Suite 3900, Las Vegas, NV 89101; telephone number: 1.702.486.3132; email: Aginfo@ag.nv.gov. |