Nationwide Debt Settlement (hereinafter "NWDS") is dedicated to protecting your privacy and providing you with the highest level of service. This Policy explains what NWDS does to keep information about you private and secure. This Policy covers only information that you provide to NWDS or that it obtains about you from companies that you have chosen to do business with. Please read this Policy carefully and contact us if you have any questions.

Personal Information We Collect

The personal information we collect about you comes from the following sources:

• Information we receive from you, such as your name, address, and telephone number, or other information that you provide to us over the phone or in documents or applications,

• Information about your transactions, such as your account balances with your creditors, payment histories, account activity, and all other information that may be contained in your credit card statements or other reports relating to your debt, and

• Information we receive from consumer reporting agencies and other sources, such as your credit bureau reports, collection agency reports or other communications, and other information relating to your payment histories, creditworthiness, annual income, or ability to satisfy your obligations.

We do not disclose any of the above information that we collect to nonaffiliated third parties. We may disclose such information in order to effect or carry out any transaction that you have requested of us or as necessary to complete our contractual obligations with you. We may also share your information with service providers that perform business operations for us, companies that act on our behalf to market our services or others only as permitted or required by law, such as to protect against fraud or in response to a subpoena. We may also share or transfer our information in the event we transfer or sell your account or our business assets to another provider. Otherwise, we do not share, transfer, or otherwise disclose your nonpublic personal information to any company or individual unless it is directly related to carrying out the services you have requested of us.

By carrying out those services, we may disclose your information, as necessary and as permitted by law, to your creditors, credit card companies, collection agencies, banks, and other entities and individuals specifically necessary to effect, administer and perform our services.

How We Protect Your Information

We train our employees to protect all customer information. We maintain physical, electronic and procedural controls that comply with government standards. We authorize our employees, agents and contractors to get information about you only when they need it to do their work with us. We do not share your information with any companies unrelated to the specific services we are obligated to provide to you.

This Policy applies to current and former consumer customers. If you have any questions, please contact NWDS directly.