Privacy Policy

1. Introduction

Covian Debt ("Company," "we," "us," "our," or "Covian") operates the website and services available at coviandebt.com. This Privacy Policy explains how we collect, use, disclose, and otherwise process personal information in connection with our website and services.

2. Information We Collect

2.1 Information You Provide

We collect personal information that you voluntarily provide through our website, including but not limited to:

• Contact information (name, email address, phone number)
• Debt information (approximate debt amounts, types of debt)
• Financial information (income range, household status)
• Location information (state of residence)
• Any other information you choose to provide through our forms or communications

2.2 Information Collected Automatically

When you visit our website, we automatically collect certain technical information, including:

• IP address and device identifiers
• Browser type and version
• Pages visited and time spent on our site
• Referring website URLs
• Device operating system
• Cookies and similar tracking technologies

3. How We Use Your Information

We use the personal information we collect for the following purposes:

• To provide and improve our services and website
• To match you with appropriate debt relief solutions and affiliate partners
• To send you information about debt relief options (only where permitted by law)
• To share your information with our affiliate partners who may contact you about relevant services
• To analyze website usage and trends to enhance user experience
• To comply with legal obligations and protect against fraud
• To respond to your inquiries and customer service requests

4. Sharing Your Information with Affiliate Partners

Important: A core function of our service is to share your information with our affiliate partners—debt relief agencies, financial service providers, and related companies—who may contact you directly about debt relief services, consolidation options, and related financial solutions.

When you use our service, you acknowledge and consent to having your personal information shared with these third-party partners. Your information may be used by these partners for marketing, sales, and service delivery purposes in accordance with their own privacy policies and applicable laws.

We maintain a list of affiliate partners, and these partnerships may change from time to time. Partners are contractually obligated to use your information only for the purposes described to you and in compliance with applicable privacy laws.

5. Cookies and Tracking Technologies

Our website uses cookies and similar tracking technologies (including pixels and web beacons) to collect information about your browsing activities. These technologies help us:

• Remember your preferences and login information
• Track website usage patterns
• Measure advertising effectiveness
• Personalize content and recommendations

You can control cookie settings through your browser settings, though this may affect website functionality.

6. Third-Party Services

6.1 Google Analytics

We use Google Analytics to understand how visitors use our website. Google Analytics collects information such as how often users visit our site, what pages they visit, and what other sites they visited before coming to our site. We use the data we get from Google Analytics only to improve our site and services. Google Analytics stores the information collected in a way that is not directly identifiable to you. For more information, visit Google's privacy policy.

6.2 Meta Pixel (formerly Facebook Pixel)

We may use Meta Pixel to track conversions, optimize advertising, and build audiences for targeted advertising on Facebook and other platforms. The Meta Pixel may track your behavior on our site, including visited pages and actions taken. For more information on Meta's data practices, visit Meta's privacy policy.

6.3 Affiliate Partners and Data Processors

We share your information with debt relief agencies, financial service providers, and other affiliate partners. These partners act as independent data controllers and processors. We are not responsible for their privacy practices, and we encourage you to review their privacy policies directly.

7. Legal Basis for Processing (CCPA & Privacy Laws)

We process your personal information based on the following legal grounds:

• Your affirmative consent and agreement to our terms
• Performance of contractual obligations
• Our legitimate business interests in providing and improving services
• Compliance with legal obligations
• Protection of vital interests

8. California Consumer Privacy Act (CCPA) Rights

If you are a California resident, you have the following rights under the CCPA:

8.1 Right to Know

You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources of that information, and the purposes for its use.

8.2 Right to Delete

You have the right to request deletion of personal information we have collected about you, subject to certain exceptions (such as information needed to complete transactions or comply with legal obligations).

8.3 Right to Opt-Out

You have the right to opt-out of the sale or sharing of your personal information. Please note that we share your information with affiliate partners for their marketing and service purposes, which may constitute a "sale" under CCPA. To opt-out, contact us at the information provided in Section 11.

8.4 Right to Correct

You have the right to request correction of inaccurate personal information.

8.5 Right to Non-Discrimination

We will not discriminate against you for exercising your CCPA rights. You will not be denied goods or services, charged different prices, or offered different quality of service based on your exercise of CCPA rights, though we may offer financial incentives for data collection.

8.6 How to Submit a Request

To exercise any of these rights, please submit a request to us at info@coviandebt.com with the subject line "CCPA Request." Please provide sufficient information to allow us to verify your identity. We will respond within 45 days.

9. Other State Privacy Laws

Residents of other states (Virginia, Colorado, Connecticut, Utah, etc.) may have similar privacy rights under their respective state laws. We honor requests made under applicable state privacy legislation. Contact us at info@coviandebt.com to exercise your rights.

10. Data Security

We implement reasonable security measures designed to protect your personal information from unauthorized access, alteration, disclosure, or destruction. These measures include encryption, secure servers, and restricted access protocols. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security of your information.

11. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law. You may request deletion of your information by contacting us at info@coviandebt.com, subject to legal retention requirements.

12. Children's Privacy

Our website and services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we become aware that we have collected information from a child under 18, we will promptly delete such information and terminate the child's access to our services.

13. International Users

Our website is intended for use by residents of the United States only. If you are located outside the United States, please be aware that your information will be transferred to, stored in, and processed in the United States. By using our website, you consent to such transfer and processing.

14. Contact Us

If you have questions about this Privacy Policy, our privacy practices, or wish to exercise your privacy rights, please contact us at:

Covian Debt
Email: info@coviandebt.com
Website: coviandebt.com

15. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will notify you of any material changes by posting the updated policy on our website and updating the "Effective Date" at the top of this policy. Your continued use of our website after such changes constitutes your acceptance of the updated Privacy Policy.