Your trust matters to us. This Privacy Policy explains how Meridian Debt Resolution ("Meridian," "we," "us" or "our") collects, uses, shares and protects personal information when you visit meridiandebtresolution.com, contact us, or use our debt resolution services. By using our website or services, you agree to the practices described here.
Information we collect
Information you give us
- Contact details, such as your name, email address, phone number, mailing address and state.
- Financial details, such as the creditors you owe, account balances, income, expenses and the hardship you're facing.
- Identity details needed to verify who you are and review your debts, such as your date of birth and Social Security number.
- Banking details needed to set up your dedicated account and scheduled deposits.
- Communications you send us, including emails, form submissions, chat messages, uploaded documents and recorded phone calls.
Information we collect automatically
When you visit our website, we and our service providers may automatically collect information such as your IP address, device and browser type, operating system, pages viewed, the site that referred you, search terms used to find us, time spent on pages, and your general location. We collect this through cookies, pixels and similar technologies.
Information from other sources
With your permission, we may obtain your credit report from a consumer reporting agency to identify the debts you may want to enroll. We also receive information from your creditors and collection agencies, from your account administrator, and from partners who refer you to us.
How we use your information
- To provide your free evaluation and explain your options.
- To enroll you in our program, negotiate with your creditors and manage your settlements.
- To work with your account administrator on your dedicated account and scheduled deposits.
- To communicate with you about your account, answer your questions and send important notices.
- To send you information about our services, if you've agreed to receive it.
- To protect against fraud, keep our systems secure and meet our legal and regulatory obligations.
- To understand how visitors use our website and improve it.
How we share your information
We do not sell your personal information. We share it only as described below:
- With your creditors and collection agencies, as needed to negotiate and complete settlements on your behalf.
- With your account administrator and its banking partners, to operate your dedicated account and process payments you authorize.
- With service providers who help us run our business, such as customer management software, document storage, email and text messaging, phone systems and website hosting. They are only allowed to use your information to perform services for us.
- When required by law, such as in response to a subpoena, court order or request from a regulator, or to protect the rights and safety of our clients, our company or others.
- In a business transfer, such as a merger or sale of assets, in which case your information would remain protected by this policy.
- With your consent, in any other situation you have approved.
We do not share your information with other companies for their own marketing purposes.
Calls, text messages and email
If you give us your phone number and your consent, we may contact you by phone call or text message, including with automated technology, about our services and your account. Consent to marketing calls and texts is never a condition of enrolling. You can opt out of text messages at any time by replying STOP, and you can unsubscribe from marketing emails using the link in any email. We will still send messages required to service your account. Calls with our team may be recorded for quality, training and compliance purposes.
Cookies and analytics
We use cookies and similar tools to make our website work, remember your preferences, measure traffic and understand which pages are helpful. We may also use analytics and advertising tools, such as Google Analytics and social media pixels, to see how visitors find us and to show relevant ads on other sites. You can block or delete cookies in your browser settings, and you can learn about opting out of interest based advertising at optout.aboutads.info. Some parts of the site may not work properly if cookies are disabled.
How we protect your information
We maintain administrative, technical and physical safeguards designed to protect your personal information, including encryption of data in transit, access limited to team members who need it to serve you, secure systems from our service providers, and a written information security program designed to meet the FTC Safeguards Rule. No method of transmission or storage is completely secure, but we work hard to protect your information and will notify you if required by law in the event of a breach.
How long we keep your information
We keep personal information for as long as needed to provide our services and as long as required by law, regulation and our record keeping obligations, which may continue for several years after your program ends. When information is no longer needed, we securely delete or anonymize it.
Your choices and rights
- Access and correction. You may ask to see the personal information we have about you and ask us to correct anything that is inaccurate.
- Deletion. You may ask us to delete your information. We will honor your request unless we are required by law or contract to keep it.
- Marketing. You may opt out of marketing calls, texts and emails at any time.
- State privacy rights. Depending on where you live, you may have additional rights under your state's privacy laws. We will not treat you differently for exercising your rights.
To make a request, email us at contact@meridiandebtresolution.com with the subject line "Privacy Request." We may need to verify your identity before we respond.
Children's privacy
Our website and services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a child has provided us with information, please contact us and we will delete it.
Links to other websites
Our website may link to other sites, such as our social media pages and the Association for Consumer Debt Relief. We are not responsible for the privacy practices of those sites, so we encourage you to read their privacy policies.
Changes to this policy
We may update this Privacy Policy from time to time. When we do, we will post the new version on this page and update the effective date at the top. If we make significant changes, we will let current clients know.
Contact us
If you have questions about this Privacy Policy or how we handle your information, please contact us:
Meridian Debt Resolution
1229 Colony Drive, New Bern, NC 28562
Email: contact@meridiandebtresolution.com
Phone: