Compliance & Privacy Policy

Compliance Statement

American Best Debt Management Coach provides educational debt‑coaching services only. We do not offer:

• Legal advice

• Tax advice

• Credit repair services

• Direct negotiation with creditors

• Debt settlement services

• Financial products or loans

All coaching is educational, supportive, and client‑centered, designed to help you understand your options and communicate confidently with your creditors.

You remain the owner of all accounts, decisions, and actions taken. We never contact creditors on your behalf and never handle payments intended for creditors.

Privacy Policy

Your privacy is extremely important. All information you share is kept strictly confidential and is used only for coaching purposes.

We DO collect:

• Your name and contact information

• Basic financial details you choose to share

• Documents you voluntarily upload for review

• Notes from coaching sessions

We DO NOT:

• Sell or share your information with third parties

• Store payment information

• Share your financial details with creditors

• Use your information for marketing without consent

Your Rights:

You may request:

• A copy of your information

• Corrections to your information

• Deletion of your information

• Discontinuation of communication

We comply with all applicable privacy and consumer‑protection guidelines.

Refund Policy

Elite Coaching includes a 30‑day satisfaction guarantee. If you are not satisfied within the first 30 days, you may request a full refund.

Payment Plan Policy

Payment plans are available upon request. Clients must contact us prior to purchase to arrange a flexible payment option.

Communication Policy

Coaching communication is supportive and structured. We respond during normal business hours and do not offer 24/7 emergency support

This Privacy Policy explains how American Best Debt Management Coach (“Company,” “we,” “us,” or “our”) collects, uses, stores, and protects personal information obtained from consumers. By interacting with our website, submitting information, or communicating with us by phone, SMS, or email, you consent to the practices described in this Policy.

1. Information We Collect

We may collect the following categories of information:

• Personal Identifiers: Name, address, email address, phone number, date of birth.

• Financial Information: Self‑reported debt amounts, creditor information, financial goals, and related data voluntarily provided by the consumer.

• Communication Records: Call logs, SMS messages, emails, and notes from coaching interactions.

• Website & Device Data: IP address, browser type, device identifiers, and usage analytics.

• Consent Records: Timestamps, method of consent, disclosure language presented, and opt‑in/opt‑out history.

2. How We Use Your Information

We use personal information for the following lawful purposes:

• To provide debt‑management coaching and related services

• To communicate with you via phone, SMS, and email

• To send appointment reminders, account updates, and requested information

• To maintain internal records, compliance documentation, and audit trails

• To improve our services, website functionality, and customer experience

• To comply with legal, regulatory, and carrier‑level requirements

We do not sell personal information.

3. SMS/Text Messaging Compliance

By providing your phone number, you consent to receive SMS messages related to your inquiry, coaching services, scheduling, reminders, and account updates.

Required Disclosures:

• Message and data rates may apply

• Message frequency varies

• Reply STOP to opt out

• Reply HELP for assistance

We maintain detailed records of consent, including the date, method, and disclosure language presented at the time of opt‑in. Consumers may revoke consent at any time.

4. How Consent Is Obtained

We obtain consent through one or more of the following methods:

• Verbal consent during a phone call, with disclosures provided and documented

• Website form submission, which includes required SMS disclosures and links to this Policy

• Written intake forms, which include messaging purpose, data‑rate disclosures, STOP/HELP instructions, frequency, and links to our policies

All consent records are securely stored and retained for compliance purposes.

5. Data Storage and Security

We implement administrative, technical, and physical safeguards to protect personal information from unauthorized access, disclosure, alteration, or destruction. While no system is completely secure, we follow industry‑standard practices to reduce risk.

6. Sharing of Information

We may share information only with:

• Service providers who assist in delivering our services (e.g., communication platforms, CRM systems)

• Compliance partners for verification and audit purposes

  • Legal authorities when required by law

  We do not sell or rent personal information to third parties

  7. Consumer Rights

  Depending on your jurisdiction, you may have the right to:

  • Access the personal information we hold

  • Request corrections

  • Request deletion (subject to legal retention requirements)

  • Withdraw consent for SMS or email communications

  • Request a copy of your consent record

  Requests may be submitted through our contact page.

  8. Data Retention

  We retain personal information only as long as necessary to:

  • Provide services

  • Maintain compliance with legal and regulatory obligations

  • Preserve accurate records of consent and communication

    9. Changes to This Policy

    We may update this Privacy Policy periodically. Updates will be posted on this page with a revised “Last Updated” date.

  10. Contact Information

  For questions about this Privacy Policy or to exercise your rights, contact us through our website’s contact page.

Ethical Standards

We follow strict ethical guidelines:

• No pressure

• No guarantees

• No predictions

• No manipulation

• No judgment

Our mission is to provide clear, ethical, empowering guidance that helps you take control of your financial future.

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