Privacy Policy

Who we are

Oak View Debt Relief is a debt settlement company based at 11899 Edgewood Road, Suite L4, Auburn, CA 95603. This policy explains what we collect when you use our website, call us, enroll in a program, or log in to the client portal, and what we do with it.

You're trusting us with your income, your debts, and sometimes your Social Security number. We take that seriously, and we've tried to write this in plain English so you can see exactly where your information goes.

What we collect

What you give us

Your name, phone number, email, and mailing address
How much you owe, who you owe it to, and your account statements
Your income, monthly expenses, and hardship details
If you enroll: your date of birth, Social Security number, and bank account details for your dedicated account
Messages, documents, and uploads you send us or put in the portal

What we collect automatically

When you visit the site, your browser sends us things like your IP address, device and browser type, the pages you looked at, and how you got here. We use cookies and similar tools to collect some of this.

What we get from others

With your permission, we may pull a credit report to see which debts qualify. Once you're enrolled, we get account information from your creditors and collectors, and transaction details from the company that holds your dedicated account.

How we use it

To check whether you qualify and walk you through your options
To run your program: negotiating with creditors, scheduling deposits, and paying settlements you approve
To keep you updated by phone, text, email, and the portal
To verify your identity and prevent fraud
To meet our legal and regulatory obligations
To fix problems with the site and make it easier to use

Who we share it with

We don't sell your personal information, and we don't share it with other companies so they can market to you.

We do share it when we need to in order to do the job you hired us for:

Your creditors and collection agencies, so we can negotiate on your behalf
The company that holds your dedicated account and processes your payments
Vendors who run parts of our business for us, like hosting, phone and text systems, and customer records. They can only use your information to work for us.
Regulators, courts, or law enforcement when the law requires it
A buyer or successor company if we're ever merged or sold, under the same protections

Calls, texts, and email

Calls with us may be recorded for quality and compliance. We'll only text you if you've agreed to it, and agreeing is never a condition of enrolling. Reply STOP to any text to opt out. Message and data rates may apply.

You can unsubscribe from marketing email with the link at the bottom of any message. We'll still send emails about your account while you're a client.

Cookies

Cookies help the site remember things between pages and tell us which pages people actually use. You can block or delete them in your browser settings. The site will still work, though some features like staying logged in to the portal may not.

Browsers' "Do Not Track" signals don't have an agreed-upon standard yet, so we don't respond to them. We do honor Global Privacy Control signals as an opt-out where state law requires it.

How we protect it

The site and portal use encrypted connections. Inside the company, only people who need your file to work on it can see it, and our vendors are held to the same rule.

No system is perfectly secure, and we won't pretend otherwise. If we learn about a breach that affects your information, we'll tell you as the law requires. We will never call, text, or email to ask for your portal password.

How long we keep it

We keep your information for as long as you're a client, then for as long as federal and state record-keeping rules require. After that we delete it or strip out anything that identifies you.

Your choices and rights

You can ask us to show you what we have about you, correct something that's wrong, or delete it. We may need to keep some records to finish a settlement in progress or to comply with the law, and if so we'll tell you which ones and why.

California residents

Under the California Consumer Privacy Act, you have the right to know what personal information we collect, use, and disclose; to delete it; to correct it; to opt out of its sale or sharing; and to limit how we use sensitive information. We won't treat you differently for using any of these rights.

Some information we collect to provide financial services is covered by federal law (the Gramm-Leach-Bliley Act) instead, and the California rules don't apply to it. Residents of other states with similar privacy laws have similar rights, and you can use the same contact details below to exercise them.

How to make a request

Email contact@oakviewdebtrelief.com or call (844) 588-6837. We'll need to confirm it's really you before we act on a request. You can also have an authorized agent make a request for you, with your signed permission.

Children

Our services are for adults. We don't knowingly collect information from anyone under 18.

Changes to this policy

If we change this policy, we'll update the date at the top of this page. If the change is significant, we'll also let current clients know directly.

Contact us

Questions about your privacy? Call (844) 588-6837 Mon–Fri, 8am–7pm, email contact@oakviewdebtrelief.com, or write to us at 11899 Edgewood Road, Suite L4, Auburn, CA 95603.