Privacy Policy

When you interact with the AltFTool Debt Relief informational platform, we may collect information in two ways: information you provide directly, and technical data gathered automatically through your browser.

Voluntary Data: When you submit an inquiry form or request to be matched with independent debt relief providers, you may provide your name, email address, U.S. state of residence, estimated total unsecured debt range, and phone number.

Automated Data: We collect standard technical diagnostics including your IP address, browser type, operating system, referring URL, time on page, and viewport dimensions to maintain mobile responsiveness and ensure network security.

We use collected information strictly for legitimate business, consumer education, and matching purposes, including:

• Delivering requested debt relief checklists, budget worksheets, and informational email newsletters.

• Connecting you with vetted, independent third-party debt settlement and credit counseling partners matching your debt criteria (only upon your express request).

• Optimizing site performance, mobile rendering speed, and interactive comparison tools.

• Detecting and preventing fraudulent inquiries, spam, and security vulnerabilities.

• Maintaining statutory record-keeping and audit trail requirements.

AltFTool is an independent educational publisher and referral provider, not a direct debt settlement company or law firm. We share information only under these specific parameters:

• Participating Debt Relief Providers: When you submit an inquiry, we transmit your contact details to participating AFCC/IAPDA-accredited debt relief organizations so they can provide a free debt evaluation.

• Technology Service Providers: We work with trusted vendors for cloud hosting, database management, email delivery, and analytics under strict confidentiality and security agreements.

• Legal & Regulatory Compliance: We may disclose information if required by subpoena, court order, or regulatory agency, or to protect the legal rights and safety of our users and platform.

We implement industry-standard physical, administrative, and technological safeguards to prevent unauthorized access, disclosure, or alteration of your information. All form submissions are protected via HTTPS and TLS 1.3.

Personal data is retained only for the duration necessary to satisfy the purpose for which it was collected, resolve disputes, and maintain regulatory compliance records.

If you reside in California, Colorado, Connecticut, Utah, Virginia, or other states with comprehensive consumer privacy laws, you possess statutory rights:

• Right to Know & Access: Request details on the categories and specific pieces of personal data collected about you.

• Right to Delete: Request deletion of your personal data, subject to legal record-retention exemptions.

• Right to Correct: Request correction of inaccurate personal records.

• Right to Opt-Out: Direct us not to sell or share your personal data for cross-context behavioral advertising.

To submit a verifiable consumer request, email privacy@altftool.com with 'Consumer Privacy Request' in the subject line.

Our debt relief resources and referral services are strictly intended for adults 18 years of age or older (or the legal age of majority in your jurisdiction). We do not knowingly collect personal information from individuals under 18.