Privacy Policy

Last updated: March 2026

This Online Privacy Policy (“Privacy Policy”) applies to all websites, mobile applications, and online interfaces owned and operated by Alleviate Financial Solutions LLC (“AFS”), or its affiliates that link to this Policy, including www.alleviate.com, www.alleviatefinancial.com, the Alleviate Financial Solutions mobile app, and our AI-enhanced Client Dashboard (collectively, the “Platform”).

This Policy describes how AFS collects and uses the personal information you provide when you interact with our Platform, including through artificial intelligence and automated processing systems. It also describes your choices regarding the use of your personal information, as well as how to access, update, and correct it.

AFS provides consumers with debt resolution services that require us to collect personal information from you in order to perform the services you request. Please review our Terms of Use at https://www.alleviate.com/legal/terms.

By using the Platform you consent to this Privacy Policy, including our use and disclosure of your information as described herein.

Federal Privacy Requirements (GLBA)

As a provider of debt relief services, AFS is classified as a “financial institution” under the Gramm-Leach-Bliley Act (GLBA), 15 U.S.C. § 6801 et seq. The GLBA requires us to inform you of our information-sharing practices and your rights concerning the disclosure of your nonpublic personal financial information to non-affiliated third parties.

We provide a separate GLBA Annual Privacy Notice to satisfy these federal requirements. You may access our current GLBA Privacy Notice at www.alleviate.com/legal/privacy/glba.

Relationship to Other Legal Requirements

This Privacy Policy supplements our GLBA Privacy Notice and provides additional detail about our privacy practices, including our use of artificial intelligence, automated decision-making systems, tracking technologies, and our compliance with applicable state privacy laws.

Where our debt relief services involve obtaining consumer reports or furnishing information to consumer reporting agencies, we comply with the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. If we take adverse action based on information contained in a consumer report, we will provide you with all notices required under the FCRA.

Collection and Use of Personal Information

We collect the following personal information from you:

• Contact Information such as name, email address, mailing address, phone number.
• Financial Information including details about your debts, creditors, income, expenses, bank account information, and payment history.
• Technical Information including IP addresses, device identifiers, browser type, operating system, and usage data collected through cookies and similar technologies.
• Information Collected Through AI Systems including behavioral patterns, financial decision-making data, payment optimization preferences, and personalized content engagement metrics collected through our AI-enhanced Client Dashboard and automated systems.

We collect this information when you:

• Enroll in our debt relief program and provide financial information;
• Use our AI-enhanced Client Dashboard and automated tools;
• Interact with our automated communication systems and computer-assisted technology;
• Authorize us to contact your creditors on your behalf;
• Sign up for our newsletter or email list; or
• Contact us with questions or request more information about our products or services.

We use this information to:

• Provide debt relief and settlement services, including negotiating with creditors on your behalf;
• Process payments and manage your debt relief program;
• Analyze your financial situation using AI-powered tools to provide personalized payment strategies and recommendations;
• Deliver customized financial wellness content through automated systems based on your progress and behavior;
• Make automated decisions regarding payment optimization and program recommendations;
• Send you requested product or service information;
• Process and respond to customer service requests and inquiries;
• Send you a newsletter;
• Send you marketing communications; and/or
• Respond to your questions, concerns, or contact you with important messages or information related to any services we are providing you.

Mobile Device Information (Mobile App Only)

When you use our mobile application, we may collect additional information including:

• Device identifiers (IDFA, AAID, or other unique device IDs);
• Mobile operating system and version;
• Device model and manufacturer;
• Mobile carrier information;
• Device settings and preferences;
• App version and installation data;
• Crash logs and performance data; and/or
• Mobile advertising identifiers.

We collect this information to:

• Provide and improve app functionality;
• Diagnose technical issues and crashes;
• Deliver push notifications (with your consent);
• Measure app performance and user engagement; and/or
• Provide customer support;
• Detect and prevent fraud.

Device Permissions (Mobile App Only)

Our mobile app may request access to certain device features. You can manage these permissions through your device settings at any time. The app may request:

• Push Notifications: To send account alerts, payment reminders, and updates about your debt relief program. You can disable this in device settings.
• Camera/Photo Library: To allow you to upload debt-related documents (bills, statements, etc.) and identification documents as part of your enrollment or account servicing. Access is only requested when you choose to upload documents.
• Biometric Authentication: To enable Face ID, Touch ID, or fingerprint login for secure access to your account (optional).
• Local Storage: To securely store your login credentials and app preferences on your device.

Denying certain permissions may limit app functionality but will not prevent you from accessing our debt relief services.

Payment Initiation (Mobile App)

If you use our mobile app to initiate deposits to your dedicated account, the payment process begins within the app but is completed through a secure web-based payment interface. Payment card information is not stored on your mobile device. All payment processing is handled by our payment service providers in accordance with Payment Card Industry Data Security Standards (PCI DSS).

Automated Processing and Artificial Intelligence

AFS uses automated systems, including artificial intelligence and machine-learning tools, to analyze information consumers provide and information generated through their use of AFS’s services. These systems assist with onboarding, financial profile analysis, payment strategy suggestions, account management support, and delivery of educational content. Automated tools support, but do not replace, human decision-making in debt settlement and program recommendations. Human advisors remain responsible for reviewing recommendations and implementing services.

Financial Profiling and Inferred Data

AFS’s systems may generate inferred information about consumers, including financial capacity indicators, payment behavior patterns, and program progress projections. These inferences are derived from information consumers provide and their interactions with AFS’s services. AFS treats inferred data as personal information, and it is protected under this Privacy Policy.

AI Training and Data Use