PRIVACY POLICY

Vanguard Settlements, LLC

Vanguard Settlements, LLC respects the privacy of our clients, prospective clients, website visitors, and individuals who communicate with our company. We are committed to handling personal and financial information responsibly and protecting the confidentiality of information entrusted to us.

Information We Collect

We may collect information reasonably necessary to evaluate, provide, administer, and support our services, including:

• Name, address, email address, and telephone number
• Date of birth and identification information
• Employment and income information
• Creditor names, debt balances, and account information
• Financial hardship information
• Payment or banking information when required
• Documents voluntarily submitted to us
• Communications with our company
• Website, browser, device, and technical information

How We Use Your Information

Information collected by Vanguard Settlements, LLC may be used to:

• Evaluate and provide requested services
• Establish and maintain client accounts
• Communicate regarding services, accounts, payments, or documents
• Review creditor and debt information
• Process authorized transactions
• Provide customer support
• Verify identity
• Maintain business and compliance records
• Prevent fraud or unauthorized activity
• Improve our services and business operations
• Comply with applicable laws and legal obligations

We will not use confidential client information for purposes unrelated to our legitimate business operations without appropriate authorization.

Protection of Personal Information

Vanguard Settlements, LLC uses reasonable administrative, technical, and organizational safeguards designed to protect personal and financial information from unauthorized access, misuse, disclosure, alteration, or loss.

Access to confidential information is limited to individuals and service providers who have a legitimate business need for that information.

While no electronic system can be guaranteed to be completely secure, we take reasonable measures to protect information within our control.

We Do Not Sell Personal Information

Vanguard Settlements, LLC does not sell personal or confidential client information for monetary compensation.

We do not rent client lists or provide confidential financial information to unrelated companies for their independent marketing purposes.

Sharing of Information

Information may be shared only when reasonably necessary to operate our business, provide requested services, process payments, maintain technology systems, comply with legal requirements, or protect legitimate business interests.

Information may be provided to authorized service providers such as:

• Payment processors
• Technology and software providers
• Customer management systems
• Document and electronic signature providers
• Communication providers
• Accountants, attorneys, and compliance professionals
• Government agencies or regulatory authorities when legally required

Service providers are expected to use information only for authorized business purposes.

SMS and Mobile Information

If you provide your mobile telephone number and consent to text communications, Vanguard Settlements, LLC may send account updates, appointment reminders, document requests, customer service messages, and other authorized communications.

Message and data rates may apply.

You may opt out of eligible text communications by replying STOP where supported.

Mobile information and SMS consent will not be sold, rented, or provided to unrelated third parties for their independent marketing purposes.

Email and Marketing Communications

We may communicate with clients and prospective clients by email regarding services, account matters, educational information, company updates, or authorized promotional communications.

Where required, marketing communications will include an opportunity to unsubscribe.

Opting out of promotional communications does not prevent us from sending important transactional, account, legal, security, or service-related notices.

Website Information and Cookies

Our website may use cookies, analytics tools, and similar technologies to understand website activity, improve performance, maintain security, and enhance the user experience.

Technical information collected may include browser type, device information, IP address, pages viewed, and website activity.

Data Retention

Vanguard Settlements, LLC may retain information for as long as reasonably necessary to provide services, maintain business records, comply with legal and regulatory requirements, resolve disputes, prevent fraud, and protect our legal rights.

Information that is no longer required may be securely deleted, destroyed, or otherwise disposed of in accordance with applicable requirements.

Legal Disclosures

We may disclose information when required by law or when reasonably necessary to respond to:

• Court orders
• Subpoenas
• Government or regulatory requests
• Law enforcement inquiries
• Fraud investigations
• Legal proceedings
• Security threats

We may also disclose information when necessary to protect our clients, employees, company, property, systems, or legal rights.

Your Privacy Choices

Depending on applicable law, you may have the right to request access to certain personal information, correct inaccurate information, update your contact information, or opt out of certain marketing communications.

Some information may need to be retained to satisfy legal, regulatory, contractual, fraud prevention, or business recordkeeping requirements.

Third-Party Websites

Our website or communications may contain links to websites operated by third parties.

Vanguard Settlements, LLC is not responsible for the privacy practices, security, or content of independently operated websites. Consumers should review the privacy policies of third-party websites before submitting personal information.

Children’s Privacy

Our services are intended for adults. Vanguard Settlements, LLC does not knowingly collect personal financial information from children for enrollment in debt settlement services.

Changes to This Privacy Policy

Vanguard Settlements, LLC may update this Privacy Policy as necessary to reflect changes in our services, business operations, technology, legal requirements, or privacy practices.

Privacy Commitment

Vanguard Settlements, LLC understands that financial information is personal and sensitive.

We are committed to using client information responsibly, maintaining reasonable safeguards, and limiting disclosure to legitimate business, service, legal, and authorized purposes.

Your information is entrusted to us to provide our services, not to be treated as a product for sale.