Last Updated - 9/2/2025
This Privacy Policy explains how Relief Technologies Inc. ("Relief", "we", "us") collects, uses, and shares information about you when you use our services, including our website at https://www.relief.app/ (the "Site") and our mobile app (the "Application"). By accessing or using our Services, you consent to the collection, use, and sharing of your information as described in this policy.
1. Information We Collect
We collect information that you provide directly to us and information we receive from third parties and your device.
A. Information You Provide to Us
When you use our Services, you provide us with information directly. This includes:
- Account and Contact Information: To create a Relief account, you must provide your name, address, phone number, and email address.
- Sensitive Personal Information: To verify your identity and financial situation, we collect sensitive information, including your date of birth, annual income, driver's license number, and Social Security number (SSN) or Individual Taxpayer Identification Number (ITIN).
- Financial Information: We collect financial information necessary to provide our services, such as credit card numbers or other payment information.
- Communications and Feedback: When you communicate with us via email, in-app chat, or telephone, we collect the information you provide. We may also collect feedback, comments, and suggestions you provide to improve our Services.
B. Information Collected from Third Parties and Other Sources
We collect information from third-party services to provide our core debt reduction services. By using Relief, you authorize us to collect the following:
- Plaid: To connect your financial accounts, we use Plaid to collect and transmit your financial account information to us in accordance with Plaid's own Privacy Policy and Terms of Service.
- Method Financial: We use Method Financial to gather liability and bill data from your financial institutions.
- Creditors and Debt Collectors: As part of the debt negotiation process, we receive information from your creditors and debt collectors regarding your accounts, balances, and payment history.
Consumer Reporting Agencies: We receive information about you from credit bureaus and other consumer reporting agencies as necessary to verify your identity and provide our Services.
2. How We Use Your Information
We use the information we collect for the following purposes:
- To Provide and Maintain Our Services: We use your information to operate the Relief app, manage your account, verify your identity, and provide the interactive debt reduction platform. This includes generating settlement proposals and facilitating your authorization of offers.
- To Communicate with Creditors: By using the Services, you expressly authorize Relief to act as your representative and use your information to communicate and negotiate with creditors and debt collectors on your behalf to reduce your debt. This may include sharing your non-public personal information, such as credit history and account information, with your creditors.
- For Communication: We use your information to contact you for customer support, send you updates about your debt reduction plan, and provide other service-related communications.
- For Analytics and Service Improvement: We use your information to analyze usage trends, improve the functionality of the Relief app, and develop new features and services.
- For Security and Fraud Prevention: We use your information to prevent fraudulent activity, verify your identity, and ensure the security of our Services.
- To Comply with Legal Obligations: We use and retain your information to comply with applicable laws, regulations, and legal processes.
3. How We Share Your Information
We do not sell your personal information. We share your information with the following parties for the purposes outlined in this policy:
- Creditors and Service Providers: We share your information with creditors to facilitate debt negotiation on your behalf. We also share your information with trusted third-party service providers who help us operate our business, such as Plaid and Method Financial for financial data aggregation and identity verification, and other partners who provide services on our behalf.
- Legal and Regulatory Authorities: We may disclose your information if required to do so by law, court order, or other legal processes, or if we have a good faith belief that such disclosure is necessary to protect the rights, property, or safety of Relief, our users, or the public.
- Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of the transaction.
- With Your Consent: We may share your information with third parties with your explicit consent.
4. California Consumer Privacy Act (CCPA)
If you are a California resident, you have specific rights regarding your personal information under the California Consumer Privacy Act (CCPA).
Your Rights Under CCPA
- Right to Know: You have the right to request that we disclose the personal information we have collected, used, and disclosed about you in the past 12 months. This includes the categories of personal information, the categories of sources from which it was collected, the business or commercial purpose for collecting it, and the categories of third parties with whom we share it.
- Right to Delete: You have the right to request the deletion of your personal information that we have collected, subject to certain exceptions.
- Right to Opt-Out of Sale or Sharing: While Relief does not sell your personal information in exchange for monetary compensation, the CCPA defines "sale" and "sharing" broadly to include disclosing personal information for "valuable consideration." The disclosures of your personal information to third parties (like creditors and service providers) as described in this policy are for the business purposes of providing our Services, not for sale. We do not engage in the sale or sharing of your personal information for cross-context behavioral advertising. You can exercise your right to opt out of any future "sale" or "sharing" of your information by contacting us as described below.
- Right to Non-Discrimination: We will not discriminate against you for exercising any of your CCPA rights.
How to Exercise Your CCPA Rights
To submit a verifiable request to exercise your CCPA rights, please contact us using one of the following methods:
- Email: help@relief.app
- Mail: 2000 Ponce de Leon Blvd, Suite 500, Coral Gables, FL 33134
We will verify your identity before processing your request. This may require us to ask you for additional information to confirm your identity.
5. Data Retention
We retain your personal information for as long as your account is active or as needed to provide you with the Services. As stated in our Terms of Service, we will retain certain records for up to seven (7) years in accordance with legal and regulatory requirements, even after you close your account.
6. Children's Privacy
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under this age. If you are under 18, you are not permitted to use our Services.
7. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new policy on our Site and updating the "Last Updated" date at the top. Your continued use of the Services after such changes constitutes your acceptance of the new policy.
8. Contact Us
If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Email: help@relief.app
Mail: 2000 Ponce de Leon Blvd, Suite 500, Coral Gables, FL 33134
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