Privacy Policy

1Who we are and what this policy covers

This Privacy Policy explains how Debitova, a brand of The Nelson M Group LLC ("Debitova," "we," "us," or "our") collects, uses, shares, and protects personal data when you visit debitova.com (the "Site"), send in a form, sign up for email or text-message updates, or get in touch (together, the "Services"). The Nelson M Group LLC is the business responsible for your personal details.

Debitova is an information service that publishes plain-language educational content about everyday money topics such as budgeting, saving, bills, paychecks, and bank statements, and lets visitors opt in to related updates by email or text. Debitova does not offer loans, credit, bank accounts, or investments, give personal financial advice, or match or refer people to financial companies. Debitova is not a bank, lender, credit service, investment firm, or financial adviser and does not provide financial, legal, or tax advice. How you manage your money is always your own decision.

Your use of the Services signals that you acknowledge this Policy. If you disagree with it, please stop using the Services.

2Information we collect

Topic information. The topic you select (for example, "building a budget" or "reading a bank statement") may suggest an interest in a financial area. We treat this as sensitive and never share it. Please do not send us account numbers, card numbers, Social Security numbers, passwords, tax returns, or other detailed personal or financial information through our forms or by text. We will not need it.

We never knowingly ask for Social Security numbers, financial account numbers, or government ID numbers.

3How we use your information

• To offer the Services you request, such as sending you educational personal finance details on the topics you choose.
• To send the email and text messages you opted in to, including confirmations, reminders, and (if you separately agreed) promotional messages.
• To honor your options, including opt-outs, unsubscribes, and privacy requests.
• To retain records of your consent, as required or recommended under laws and carrier rules for text messaging.
• To respond to your inquiries and provide support.
• To run and protect the Site, make it better, and guard against fraud, spam, and abuse.
• To comply with legal obligations and enforce our Terms & Conditions.

We do not use your details to make decisions that produce legal or similarly significant effects about you, and we will not make credit, lending, eligibility, or pricing determinations about you.

4How we share information

Selling personal information is not something we do. It is not "shared" for cross-context behavioral advertising.

No sharing of mobile information for marketing. We do not share your mobile phone number, text-message opt-in data, or consent records with third parties or affiliates for their marketing or promotional purposes. No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Text-messaging originator opt-in data and consent are not shared with any third parties except as described in this section.

No partner sharing. We never sell, rent, or share your personal details, like your name, contact details, ZIP code, or interests, with banks, lenders, credit or investment companies, comparison sites, lead-generation companies, or any other partners, and we are not paid by anyone for your data. We share information only in these limited situations:

• Service providers. Vendors that act on our behalf and under contract, like website hosting, email delivery, customer-relationship software, form processing, and SMS platforms and the carriers or aggregators that deliver text messages. They may use your information only to provide services to us, and not for their own marketing.
• Legal and safety. When needed by law, subpoena, or legal process, or to protect the rights, safety, and property of you, us, or others.
• Business transfers. If The Nelson M Group LLC is involved in a merger, acquisition, financing, or sale of assets, information may be transferred as part of that transaction, subject to this Policy. Mobile opt-in data will not be transferred to a buyer for its own marketing without your consent.
• De-identified or aggregate data. We may use details that cannot reasonably identify you for analysis and reporting.

5Text messaging (SMS)

If you opt in, we deliver text messages for the program Debitova Payment Notes. We use your mobile number only to deliver those messages and to administer the program. See our SMS Terms for message types, frequency, costs, and how to opt out.

• Text consent is optional and is not a condition of purchase or of using the Services.
• Informational and promotional consents are collected separately via two unchecked boxes.
• Reply STOP at any time to opt out. Reply HELP for help.
• Message frequency varies. Message and data rates may apply.

6Text messages: rates, frequency, STOP and HELP

Message and data rates may apply. Message frequency may vary (up to about 8 messages a month, depending on the topics you choose). Text START to join, or opt in with the form on our Get Started or text updates page. Consent is not a condition of purchase or of using the Services.

• STOP: Reply STOP to any message to opt out (STOPALL, UNSUBSCRIBE, CANCEL, END and QUIT also work). You will get one confirmation text and then no more messages.
• HELP: Reply HELP to any message for help, or contact us by email at [email protected] or by phone at 877-265-1667.

Mobile information and text-message opt-in data are not sold or shared. We do not sell, rent, or share mobile phone numbers, text-message opt-in data, or consent records with third parties or affiliates for marketing or promotional purposes. Service providers (such as our messaging platform and carriers) may handle this information only to deliver messages and operate the program for us.

7Cookies, analytics, and similar technologies

Only the cookies and similar tools the Site needs to work and stay secure are used. Fonts and images are served from our own site rather than from third parties. No advertising or cross-site tracking cookies are used.

If we enable privacy-focused analytics in the future (for example, counts of page views), we will use it only to understand how the Site performs, and we will update this section. You can control cookies through your browser settings. We respect the Global Privacy Control (GPC) signal as a request to opt out of sale or sharing where applicable. Because we do not sell or share personal data, there is nothing further to opt out of.

8Your choices

• Text messages: reply STOP to any text.
• Email: use the unsubscribe link in any email or write to [email protected].
• Update or correct your information: contact us at the address below.
• Delete your information: ask us, and we'll delete it unless we need to keep it for the reasons described under "Retention."

Choosing to stop one channel does not stop the others. Tell us if you'd like to opt out of everything.

9Retention

Personal information is kept only as long as the purposes in this Policy call for, including to honor opt-outs and to meet legal and recordkeeping duties. As a general guide:

• Contact details and preferences: until you ask for them to be removed or you have been inactive for 24 months, whichever comes first.
• Text-message consent records and opt-out records: kept for at least 4 years after your last interaction, so we can show you consented and honor your opt-out.
• Support messages: up to 3 years.
• Server logs: up to 12 months.

Once it is no longer needed, we erase it or strip out identifying details.

10Security

We use reasonable administrative, technical, and physical safeguards, among them encryption in transit (HTTPS), access controls, and vendor due diligence. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Text messages are not encrypted, so we ask that you never reply with sensitive personal or policy details.

11Your privacy rights (California and other states)

Depending on where you live (including California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Utah, and Virginia), you may have the right to:

• Know and access the personal data we hold about you, and the categories of sources and recipients.
• Correct inaccurate information.
• Delete your personal information, under legal exceptions.
• Port your information in a usable format.
• Opt out of the sale or sharing of personal data, targeted advertising, and profiling. We do none of these.
• Limit the use of sensitive personal data. We use it only to provide the Services you ask for.
• Not be discriminated against for exercising your rights.

How to make a request

Email [email protected] with the subject "Privacy Request," or write to us at the address below. We will verify your identity by matching information you supply against what we hold, and we answer within 45 days (we may extend once by up to 45 more days with notice). An authorized agent may submit a request on your behalf with your written permission. If we deny a request, you may appeal by replying to our decision, and you may contact your state attorney general.

California disclosures

In the past 12 months we have collected the categories of information listed in Section 2 for the purposes listed in Section 3, and disclosed them only to service providers (Section 4). We have not sold or shared personal details. California residents may also request information about disclosures of personal details to third parties for their direct marketing uses (California "Shine the Light" law). We make no such disclosures. We will not knowingly sell or share the personal details of anyone under 16.

Nevada

Nevada residents may submit a request to opt out of the sale of covered details. We will not sell covered data.

12Children's privacy

Adults 18 or older are the intended audience for the Services. We do not knowingly gather personal details from anyone under 18, and we do not direct our Services to children. If you believe a child has given us personal data, contact us and we will remove it.

13Consent to communications and the TCPA

We send marketing or informational text messages through automated technology only after you give prior express consent (and, for promotional messages, prior express written consent) by checking the applicable unchecked SMS consent box on our forms or by texting START to 877-265-1667. Your consent is not required to use the Services or to buy anything, and you can revoke it at any time by replying STOP, or by any other reasonable means, such as emailing [email protected]. We follow opt-out requests promptly. Your phone number will be used only for the purposes outlined in this Policy and the SMS Terms.

We follow the Telephone Consumer Protection Act (TCPA), the CTIA Messaging Principles and Best Practices, and the carrier code of conduct, and we hold consent records as described above.

14Third-party links and public resources

Our Site may link to other sites, among them public and government resources for example the Consumer Financial Protection Bureau (consumerfinance.gov). We never control them and are not responsible for their privacy practices. Please read their policies.

15U.S. operations

The Services are intended for people located in the United States, and details is processed in the United States. If you use the Services from elsewhere, you do so at your own initiative and are responsible for local law.

16Changes to this policy

We may update this Policy from time to time. We will change the "Last updated" date above, and if changes are material we will give notice by email or on the Site. Where required by law, we will ask for your consent again.

17Contact us

Questions, requests, or complaints about privacy? You can reach us by mail, email, phone, our online contact form, or by replying HELP to any text: