PRIVACY POLICY

Effective Date: September 16, 2026
Last Updated: September 16, 2026

My Debt Navigator LLC (“My Debt Navigator,” “MDN,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide when you visit the My Debt Navigator Ambassador Program website, register to become an Ambassador, participate in our referral program, communicate with us, or otherwise use our websites, platforms, products, or services.

This Privacy Policy explains the types of information we may collect, how we collect and use that information, when we may disclose it, the choices and rights that may be available to you, and how you can contact us regarding our privacy practices.

By accessing or using the My Debt Navigator Ambassador Program website or submitting information through our forms, you acknowledge the practices described in this Privacy Policy.

1. Information We Collect

Depending on how you interact with the Ambassador Program, we may collect the following categories of information.

Personal and Contact Information

This may include:

  • Full name

  • Email address

  • Telephone number

  • Mailing address

  • City, state, ZIP code, and country

  • Other contact information you voluntarily provide

Ambassador Registration and Account Information

When you apply for or participate in the Ambassador Program, we may collect information such as:

  • Ambassador application information

  • Account or profile information

  • Ambassador or referral identification numbers

  • Login and account credentials

  • Program participation information

  • Referral activity

  • Referral links or tracking identifiers

  • Account status

  • Training or program activity

  • Communications with our Ambassador support team

Payment and Commission Information

If you become eligible to receive commissions or other payments through the Ambassador Program, we or our payment, accounting, or administrative service providers may collect information necessary to process and administer those payments.

This may include:

  • Payment preferences

  • Payment account information

  • Commission history

  • Payment records

  • Tax-related information when required by law

  • Other information necessary to verify, administer, or report payments

Payment information may be collected and processed directly by third-party payment processors or financial service providers. We encourage you to review the privacy practices of any third-party provider that processes your payment information.

Referral Information

When an Ambassador submits, generates, or facilitates a referral, we may collect information associated with that referral, including:

  • Referral source

  • Ambassador associated with the referral

  • Date and time of referral

  • Referral status

  • Tracking information

  • Program or campaign information

  • Information necessary to determine commission eligibility

Ambassadors should only provide personal information about another individual when they have appropriate permission or another lawful basis to do so.

Communications

We may collect information you provide when you:

  • Contact us by email

  • Call or text us

  • Submit a support request

  • Complete an online form

  • Participate in training

  • Respond to surveys

  • Communicate with Ambassador support

  • Otherwise interact with us

We may maintain records of these communications for customer service, program administration, security, compliance, and recordkeeping purposes.

Information Collected Automatically

When you visit or interact with our website, certain information may be collected automatically, including:

  • IP address

  • Browser type

  • Device type

  • Operating system

  • Approximate location derived from IP address

  • Pages viewed

  • Links clicked

  • Referring website

  • Date and time of access

  • Time spent on pages

  • Website interactions

  • Cookie identifiers

  • Advertising or analytics identifiers

  • Other technical information about your interaction with our website

We may collect this information through cookies, pixels, tags, analytics technologies, server logs, and similar technologies.

2. How We Collect Information

We may collect information:

  • Directly from you

  • Through Ambassador registration forms

  • Through your Ambassador account or dashboard

  • When you submit or generate referrals

  • When you contact our team

  • Automatically through our website and related technologies

  • From service providers that support our operations

  • From business partners or referral partners where permitted by law

  • From publicly available sources where appropriate

3. How We Use Your Information

We may use personal information to:

  • Process Ambassador applications

  • Create and administer Ambassador accounts

  • Operate the Ambassador Program

  • Provide Ambassador resources and support

  • Track referrals

  • Attribute referrals to the appropriate Ambassador

  • Calculate and administer commissions

  • Process payments

  • Maintain program records

  • Communicate about your account or participation

  • Send program announcements and administrative messages

  • Provide training, resources, and support

  • Respond to questions and requests

  • Improve our website and Ambassador Program

  • Analyze website and program performance

  • Detect and prevent fraud, misuse, or unauthorized activity

  • Protect our systems, business, Ambassadors, partners, and users

  • Enforce our agreements, policies, and program rules

  • Maintain records required for business, accounting, tax, or legal purposes

  • Comply with applicable laws, regulations, court orders, and legal processes

  • Establish, exercise, or defend legal claims

  • Send marketing or promotional communications where permitted by law

  • Fulfill other purposes disclosed to you when the information is collected

4. Referral Data and Consumer Information

The Ambassador Program may allow Ambassadors to refer individuals who may be interested in services offered by My Debt Navigator or independent third-party providers.

Ambassadors are responsible for complying with applicable laws, program requirements, and consent requirements when collecting, using, or submitting information about potential referrals.

Ambassadors should not submit sensitive personal information about a referral unless expressly authorized and necessary for the applicable process.

Information associated with referrals may be disclosed to My Debt Navigator, service providers, and appropriate third-party providers as necessary to process, evaluate, track, or respond to the referral.

5. How We Disclose Information

We may disclose personal information to the following categories of recipients.

Service Providers

We may use third parties to help us operate our business, including providers of:

  • Website hosting

  • Customer relationship management systems

  • Ambassador management platforms

  • Email services

  • SMS and communications services

  • Payment processing

  • Accounting

  • Analytics

  • Advertising and marketing

  • Information technology

  • Cybersecurity

  • Data storage

  • Customer and Ambassador support

  • Professional services

These providers may access personal information when necessary to perform services for us.

Business and Referral Partners

Information may be disclosed to business partners, referral partners, debt solution providers, or other organizations when necessary to process a referral, administer the Ambassador Program, or provide services requested by a consumer.

Legal and Compliance Purposes

We may disclose information when we believe disclosure is reasonably necessary to:

  • Comply with applicable law

  • Respond to subpoenas, court orders, or lawful government requests

  • Investigate suspected fraud or illegal activity

  • Enforce our agreements or policies

  • Protect our rights or property

  • Protect the safety or security of users or others

  • Establish, exercise, or defend legal claims

Business Transactions

If My Debt Navigator is involved in a merger, acquisition, financing, restructuring, bankruptcy, sale of assets, or similar business transaction, personal information may be disclosed or transferred as part of that transaction, subject to applicable law.

6. Cookies and Similar Technologies

We and our service providers may use cookies, pixels, tags, analytics technologies, and similar technologies to operate and improve the website.

These technologies may be used to:

  • Remember preferences

  • Maintain website functionality

  • Understand website usage

  • Measure traffic

  • Identify technical problems

  • Improve website performance

  • Measure campaigns and referrals

  • Prevent fraud

  • Support advertising or marketing activities where permitted

Your browser may allow you to block or delete cookies. Disabling certain cookies may affect the functionality of portions of the website.

Where required by applicable law, we will provide appropriate choices regarding non-essential cookies or similar technologies.

7. Analytics and Advertising

We may use third-party analytics and advertising services to understand how visitors interact with our website and to evaluate the effectiveness of our marketing.

These providers may collect information about your browser, device, IP address, website interactions, and similar technical information through cookies or related technologies.

Depending on the technologies we use and applicable law, you may have the right to opt out of certain uses of personal information for targeted or cross-context behavioral advertising.

8. Email, Telephone, and SMS Communications

If you provide your contact information, we may use it to communicate with you regarding:

  • Your Ambassador application

  • Your account

  • Referrals

  • Commission or payment information

  • Training

  • Program updates

  • Customer or Ambassador support

  • Administrative notices

  • Promotional opportunities where permitted by law

Marketing emails may contain an unsubscribe mechanism.

Where required, marketing text messages will include appropriate opt-out instructions. Consent to receive marketing communications is not a condition of using the website except where specifically disclosed.

Transactional or administrative communications relating to your account or program participation may continue when necessary even if you opt out of promotional communications.

9. Data Security

We use reasonable administrative, technical, and organizational safeguards designed to protect personal information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no website, electronic transmission, storage system, or security measure can guarantee absolute security.

You are responsible for maintaining the confidentiality of any Ambassador account credentials and should notify us promptly if you believe your account has been accessed without authorization.

10. Data Retention

We retain personal information for as long as reasonably necessary for the purposes described in this Privacy Policy, including to:

  • Maintain Ambassador accounts

  • Administer referrals and commissions

  • Maintain financial and tax records

  • Resolve disputes

  • Prevent fraud

  • Enforce agreements

  • Meet legal and regulatory obligations

  • Protect our legitimate business interests

Retention periods may vary depending on the nature of the information and applicable legal requirements.

When information is no longer reasonably necessary, we may delete, de-identify, or securely dispose of it in accordance with our retention practices and applicable law.

11. Your Privacy Choices

Depending on where you live and applicable law, you may have certain rights regarding your personal information.

These may include the right to:

  • Request access to personal information

  • Request information about how personal information is collected, used, or disclosed

  • Request correction of inaccurate information

  • Request deletion of certain personal information

  • Obtain a copy of certain personal information

  • Opt out of certain sales or sharing of personal information where applicable

  • Opt out of certain targeted advertising where applicable

  • Limit certain uses of sensitive personal information where applicable

  • Withdraw consent where processing is based on consent

  • Appeal certain privacy-request decisions where applicable

  • Exercise privacy rights without unlawful discrimination

These rights are subject to applicable exceptions and limitations.

We may need to verify your identity before processing certain requests.

Authorized agents may submit requests where permitted by applicable law, subject to appropriate verification requirements.

12. California Privacy Rights

California residents may have additional rights under applicable California privacy laws.

Depending on whether those laws apply to My Debt Navigator and the particular information involved, California residents may have rights to request information regarding the categories and specific pieces of personal information collected, sources of personal information, purposes for collecting or using information, categories of third parties to whom information is disclosed, correction,