Privacy policy
This policy explains how LGJ Enterprises LLC (“we,” “us,” or “our”), which operates Settle Debt Myself (the “Site”), collects, uses, and shares information when you visit the Site or subscribe to our emails.
Information we collect
- Information you give us. Your first name and email address when you request our free resources or join our email list.
- Information collected automatically. Basic technical data such as browser type, device, pages viewed, referring site, and approximate location, collected through [analytics provider, e.g. Google Analytics / Plausible / none] and similar technologies.
- Information from embedded content. Videos on the Site are embedded from YouTube and load only when you press play. Once loaded, YouTube may collect information according to Google’s privacy policy.
We do not ask for, and you should not send us, account numbers, Social Security numbers, or other sensitive financial details.
How we use information
- To deliver the resources you request and send educational emails.
- To tell you about new guides and, occasionally, optional products or offers related to our content.
- To understand how the Site is used and improve it.
- To comply with legal obligations and protect against misuse.
How we share information
We do not sell your personal information. We share it only with service providers that help us operate, such as our email service provider ([ConvertKit / Mailchimp / Systeme.io]), website host ([Netlify / GitHub Pages / Cloudflare Pages]), and analytics provider, or when required by law.
Email communications
Every email includes an unsubscribe link. You can unsubscribe at any time, and we’ll stop sending marketing emails to that address.
Cookies
[Describe the cookies or similar technologies used by your analytics, email, and affiliate partners, and how visitors can control them. If you use none, say so.]
Your choices and rights
Depending on where you live, you may have the right to request access to, correction of, or deletion of your personal information. To make a request, contact us at [CONTACT EMAIL]. [Add state-specific disclosures if required, e.g. California.]
Data retention and security
We keep subscriber information for as long as you remain subscribed and as needed for legitimate business or legal purposes. We use reasonable safeguards, but no method of transmission or storage is completely secure.
Children’s privacy
The Site is intended for adults. We do not knowingly collect personal information from children under 13.
Changes to this policy
We may update this policy from time to time. We’ll post the updated version here and change the “Last updated” date.
Affiliate disclosure
Some links on this Site, in our emails, and in our YouTube video descriptions are affiliate links. If you click one and make a purchase or sign up, we may earn a commission at no additional cost to you.
We only mention products and services we believe may be relevant to our audience, and affiliate relationships do not change the educational information we provide. Affiliate links on the Site are labeled or appear near this notice, and are marked with rel="sponsored".
Current affiliate relationships may include: [List partners or categories, e.g. savings accounts, credit monitoring, budgeting tools].
We may also offer our own paid products in the future, such as the Authorized User Credit Accelerator Guide. When we promote our own products, we’ll make that clear.
Educational disclaimer
Settle Debt Myself provides general educational content, not individualized legal, financial, or tax advice. Outcomes are not guaranteed. “No fees” refers to our free educational content.
- We are not a debt settlement company, debt relief service, law firm, credit repair organization, or credit counseling agency, and we do not negotiate with creditors on your behalf.
- Settling debt can affect your credit, may result in collection activity or lawsuits, and forgiven debt may be taxable. Creditors are not required to accept settlement offers.
- Laws and rules vary by state and change over time. Information on this Site may not reflect the most current legal developments.
- Tools such as the Debt-to-Income Calculator provide a preliminary, general assessment only. Consider consulting a qualified attorney, tax professional, or nonprofit credit counselor about your situation.
References to government agencies (such as the FTC, CFPB, and IRS) identify public sources. We are not affiliated with or endorsed by any government agency.
Use of this site
Content on the Site is owned by LGJ Enterprises LLC unless otherwise noted. You may share links to our pages and use our templates for your own personal, non-commercial purposes. [Add or link full Terms of Use if desired.]
The Site is provided “as is” without warranties of any kind. To the fullest extent permitted by law, LGJ Enterprises LLC is not liable for decisions made or actions taken based on Site content.
Contact
LGJ Enterprises LLC
[MAILING ADDRESS — required in marketing emails under the CAN-SPAM Act; a P.O. box or registered agent address may be used]
[CONTACT EMAIL]