Privacy Policy

Please read this Privacy Policy before using our Services. This Privacy Policy applies to planmycomeback.com, a website operated by Click Circle LLC ("Company," "we," or "our"). References to "you" and "your" refer to any person who accesses or uses the Services. By using the Services, you authorize our ability to collect, use, disclose, share, and sell your personal information as described in this Privacy Policy, and agree to be bound by these Terms. Do not access or use the Services if you do not agree.

We may update this Privacy Policy from time to time. When we do, we will post the revised version on this page with a new effective date. Changes become effective when posted unless stated otherwise. The Services are intended for individuals who are at least 18 years old. We do not knowingly collect personal information from children under 16 without parental consent.

1. Information We Collect

1.1 Information You Provide

When you use our Services — including filling out our questionnaire or contacting us — you may provide:

• Contact information such as your name, email address, and zip code
• Financial profile information such as income range, credit score estimate, and debt level
• Responses to survey or qualifying questions on our site
• Communications you send us via email or contact forms

1.2 Information Collected Automatically

When you visit our site, we may automatically collect certain technical information through cookies, web beacons, and similar technologies ("Web Technologies"), including:

• IP address, browser type, operating system, and device type
• Pages viewed, time spent on pages, and referring URLs
• Clickstream data and interaction details such as mouse movements and text entered
• General location data such as zip code or city inferred from your IP address

1.3 Information from Third Parties

We may receive information about you from third parties, including advertising partners, affiliate networks, and analytics providers.

2. How We Use Your Information

We use the information we collect for the following purposes:

• To match you with financial offers, partners, and resources relevant to your situation
• To deliver free guides and follow-up communications based on your questionnaire responses
• To operate, improve, and personalize our Services
• To analyze traffic, usage patterns, and the effectiveness of our content
• To comply with applicable laws and regulations
• To detect, investigate, and prevent fraud or abuse
• To enforce our Terms of Use and other agreements
• To evaluate or complete business transactions such as mergers or acquisitions, in which your personal information may be among the assets involved

3. How We Share Your Information

We may share your personal information with:

• Marketing and advertising partners — including our financial offer partners who may contact you about products or services based on your questionnaire responses
• Service providers and contractors — companies that help us operate the site, deliver email, analyze data, and provide customer support
• Analytics providers — such as Google Analytics, which help us understand how visitors use our site
• Legal and regulatory authorities — when required by law, court order, or to protect the rights and safety of our Company or others
• Business transaction parties — in connection with a sale, merger, or transfer of all or part of our business

We do not sell your personal information to data brokers. When we share your information with partner offers, it is to connect you with services you may have expressed interest in through our questionnaire.

4. Cookies and Tracking

We use cookies and similar Web Technologies to improve your experience and understand how our Services are used. You can limit cookie use as follows:

• Browser settings — most browsers let you block or delete cookies, though doing so may affect site functionality
• Google Analytics opt-out — you can install the Google Analytics opt-out browser add-on

We respond to Global Privacy Control (GPC) signals. We do not currently respond to Do Not Track (DNT) browser signals.

5. How We Store Your Information

By using our Services, you consent to the storage and processing of your personal information consistent with this Privacy Policy. We retain personal information for as long as reasonably necessary for business and legal purposes. We implement commercially reasonable administrative, physical, and technical safeguards to protect your information, but cannot guarantee absolute security. We recommend you do not send sensitive information over unsecured channels.

6. Your Rights and Choices

6.1 Access, Correction, and Deletion

Depending on your state of residence, you may have the right to access, correct, or request deletion of your personal information. To submit a request, contact us at info@planmycomeback.com. We will verify your identity before acting on your request and respond within the timeframe required by applicable law.

6.2 Opt-Out of Marketing Emails

You can unsubscribe from our marketing emails at any time by clicking the "unsubscribe" link in any email we send. Please note that transactional or service-related communications are not subject to opt-out.

6.3 Opt-Out of Text Messages

If you receive text messages from us or our partners, you can opt out by replying STOP to any message.

6.4 California Residents (CCPA)

If you are a California resident, you have rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and share, the right to delete your personal information, and the right to opt out of the sale or sharing of your personal information. To exercise these rights, contact us at info@planmycomeback.com. We will not discriminate against you for exercising any CCPA right.

6.5 Do Not Sell or Share My Information

We may share your information with advertising and marketing partners in ways that constitute a "sale" or "sharing" under California law. To opt out, email us at info@planmycomeback.com with the subject line "Do Not Sell or Share My Personal Information."

7. Third-Party Links and Services

Our Services may contain links to third-party websites or services. These third parties operate independently and are not subject to this Privacy Policy. We are not responsible for their privacy practices and encourage you to review their own policies before providing any personal information.

8. Children's Privacy

Our Services are not directed to children under the age of 16. We do not knowingly collect personal information from anyone under 16. If you believe we have inadvertently collected such information, please contact us and we will promptly delete it.