Privacy Policy and Terms & Conditions

Privacy Policy

Last Updated: June 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.

Terms & Conditions

By using this website and submitting your information, you agree to the following terms:

1. Consent to Contact

You consent to be contacted by Peaceful Pathway Debt Settlement via phone, text message (including SMS), and email. Communications may be sent using automated systems, prerecorded or artificial voice technology, and/or manual methods. Message and data rates may apply. Consent is not required as a condition to receive services and can be revoked at any time. To opt out of SMS, reply “STOP.”

2. Use of Information

Any information you submit through this website may be used to evaluate your eligibility for our services, contact you regarding your inquiry, and fulfill legal or compliance obligations. For more details on how we handle your data, see our Privacy Policy above.

3. Accuracy of Submissions

You agree that the information you provide is accurate and up to date. Submitting false or misleading information may affect our ability to assist you and may violate applicable laws.

4. No Guarantees or Advice

Peaceful Pathway does not guarantee specific outcomes, debt reduction, or timeframes. The services provided do not constitute legal, tax, or financial advice.

5. Third-Party Services

We may work with service providers or affiliates to deliver certain parts of our services. We are not responsible for the actions, terms, or content of third-party websites linked from or integrated with our Site.

6. Limitation of Liability

We are not liable for any indirect, incidental, or consequential damages arising from your use of this Site or services, including but not limited to loss of data, service interruptions, or third-party conduct.

7. Arbitration Clause

You agree that any disputes related to your use of the Site or services will be resolved exclusively through final and binding arbitration, and not in court. This includes disputes over interpretation, enforceability, or breach of these Terms.

8. Modifications

We reserve the right to update or change these Terms at any time without prior notice. Continued use of the Site after changes constitutes your agreement to the updated Terms.

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.