Privacy policy

Privacy Policy & Cookies

Last Updated: September 2025

Peaceful Pathway ("we," "us," or "our") owns and operates www.peacefulpathwaydebtsettlement.com (the "Site"). This Policy explains how we collect, use, and protect your personal information when you use our debt relief services or interact with our Site.

By using this Site, you consent to this Policy.

1. Information We Collect

We collect:

Contact Details: Name, email, phone, address

Financial Information: Debts, creditors, income, bank/credit account details

Technical Data: IP address, browser type, pages visited (via cookies/log files)

Call Recordings: All customer service calls are recorded for quality assurance

2. How We Use Your Information

Negotiate debt settlements with your creditors

Provide customer support and service updates

Improve our Site and services

Comply with legal obligations (e.g., tax/fraud prevention)

3. Information Sharing

We only share your data with:

Service providers (e.g., payment processors, IT security) under strict confidentiality

Legal authorities if required by law (e.g., subpoenas)

We never sell your personal information.

4. Your Rights & Choices

Opt out of marketing emails: Click "Unsubscribe" in any email or email contact@peacefulpathwayds.com

Access/correct your data: Email us at contact@peacefulpathwayds.com

5. Security & Retention

We use bank-level encryption and secure servers.

Data is retained as long as needed for services or legal compliance.

6. State-Specific Notices

California Residents:

Under the California Consumer Privacy Act (CCPA), you have the right to:

Access, delete, or correct your personal information

Opt out of the sale or sharing of your personal data

To exercise these rights, please email contact@peacefulpathwayds.com with the subject line:

"California Privacy Inquiry" – for access, deletion, or correction requests

"Do Not Sell or Share My Info" – to opt out of sale/sharing

We may need to verify your identity before processing the request. We do not discriminate against you for exercising your rights.

Nevada Residents: Email contact@peacefulpathwayds.com to opt out of data sales.

Vermont Residents: We automatically restrict data sharing with nonaffiliated third parties.

7. Cookies & Tracking

We use cookies and similar tracking technologies to enhance your experience and improve our Site. These may include:

Essential Cookies – Required for basic website functionality (e.g., page navigation, access to secure areas)

Analytics Cookies – Help us understand how visitors interact with the site by collecting anonymous usage data

Performance & Functionality Cookies – Enhance performance and remember your preferences

You can manage or disable cookies through your browser settings

https://support.google.com/chrome/answer/95647?hl=en

https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop

Note: Disabling some cookies may affect the functionality of the Site.

8. Children’s Privacy

Our Site is not for users under 18. We do not knowingly collect their data.

9. Updates & Contact

We may update this Policy periodically. Check the "Last Updated" date for changes.

Contact Us:

Peaceful Pathway

200 Continental Drive, Suite 401

Newark, DE 19713

📞 (862) 356-5657

✉ contact@peacefulpathwayds.com

All calls are recorded for quality assurance.

Peaceful Pathway Debt Settlement, LLC is registered with DFPI under CCFPL – Registration number 01-CCFPL-2716595-3578012

Peaceful Pathway

Clients who complete the program and settle all enrolled debt realize estimated savings of about 55% before fees, or 25% including fees, over 12–48 months. Results vary. Most clients receive their first settlement within the first 3 months, depending on their ability to save funds, though timing will vary. Not all debts are eligible, and not all clients complete the program. We do not assume consumer debt. Clients deposit funds into a dedicated account they own and control. Typically, clients must save about 20% of their enrolled debt before settlements can begin. Funds in the dedicated account are owned by the client, may be withdrawn at any time without penalty, and must be returned to the client if they withdraw from the program, except for fees earned by Peaceful Pathways in compliance with state law and the FTC Rule. Our fees are typically 25% of enrolled debt, though exact costs vary by state and are disclosed in each client’s agreement. Participation in debt settlement will likely negatively affect your creditworthiness, may result in collections or lawsuits, and may increase the total balance owed due to interest and fees. Not available in all states. Please consult a tax professional regarding potential tax consequences of settlement. Read and understand all program materials before enrollment.

[Program Disclosures] | [Money-Back Guarantee] | [State-Specific Disclosures] | [Privacy Policy] | [Terms and Conditions] [Dispute Resolution Policy]

Accessibility & Non-Discrimination Statement

Peaceful Pathway Debt Settlement is committed to providing equal opportunity for all individuals and does not discriminate on the basis of race, color, religion, sex, national origin, age, disability, or any other protected status. We also strive to ensure our website is accessible to everyone, including individuals with disabilities, consistent with the Americans with Disabilities Act (ADA) and Web Content Accessibility Guidelines (WCAG).

If you experience any difficulty accessing our site, please contact us at contact@peacefulpathwayds.com for assistance.