Privacy Policy

Last updated: November 5, 2026

DebtValidate.com is operated by Rainy Day Company LLC dba HeyDay Digital Media, Roseville, CA. Text messages from this site are sent by DebtValidate.

This Privacy Policy explains how Rainy Day Company LLC dba HeyDay Digital Media, operator of DebtValidate.com ("DebtValidate.com," "we," "us"), collects, uses, and shares personal information when you visit debtvalidate.com, submit a free review form, or call the number displayed on the site (together, the "Service").

Short version: when you ask for a free review, we collect the details you give us and send them to an independent provider so they can contact you about your debt situation. We record proof of your consent. You can opt out of sale or sharing, ask what we have, or ask us to delete it, at any time.

DebtValidate.com is not a law firm, does not provide legal, tax or financial advice, and is not a debt settlement, credit counseling or credit repair organization.

Not affiliated with any government agency

This website is not affiliated with, endorsed by, or connected to the Consumer Financial Protection Bureau, the Federal Trade Commission or any government agency. You can dispute a debt directly with a collector yourself at no cost; free sample letters are available at consumerfinance.gov.

1. Information we collect

Information you give us

• Contact details: first and last name, phone number, alternate phone number, email address, street address, city, state, and ZIP code
• Date of birth
• Details about your debt situation: the kinds of debt involved, a general amount band, who is contacting you, whether you have been served court papers, whether you are already enrolled with a debt relief company or working with an attorney on these debts, whether you have a recent or open bankruptcy, and whether you have some regular income
• Anything you tell a representative when you call us

We do not ask for account numbers, creditor names, exact balances, SSNs, or income figures. Please do not send them to us.

Information collected automatically

• Device and browser information, IP address, approximate location derived from IP, pages viewed, referring URL, and the date and time of your visit
• Form interaction data captured by our consent-verification providers (see Section 4), including a record of the consent language shown to you and how you interacted with the form
• Cookies and similar technologies (see Section 7)

Information from other sources

• The state associated with your ZIP code
• Call details (caller ID, call time, duration, and a recording where permitted by law and disclosed at the start of the call) when you call the number on the site

We do not knowingly collect information from anyone under 18. If you believe a minor has submitted information, email [email protected] and we will delete it.

2. How we use information

• To connect you with an independent provider, such as a consumer-law firm, debt settlement company, or credit repair organization, that handles situations like yours in your state
• To contact you about your request by phone, text message, or email, with your consent
• To verify and document your consent to be contacted (TCPA compliance)
• To operate, secure, and improve the Service, including fraud and abuse prevention
• To comply with legal obligations and enforce our Terms
• To measure the effectiveness of our advertising

We do not use your personal information to make decisions that produce legal or similarly significant effects about you, and we do not sell it to data brokers. We do not decide whether a debt is valid or how it should be resolved.

3. How we share information

Participating providers and marketing partners. When you submit a form or call, we transmit your contact details and the details of your debt situation to a participating provider or partner so one of them can contact you. They are independent of us; their use of your information is governed by their own privacy policies. The current list is on our Marketing Partners page.

Service providers who process information on our behalf and only for our purposes, including: web hosting and infrastructure (Cloudflare), customer relationship and messaging tools (HighLevel), consent verification (ActiveProspect TrustedForm; Jornaya LeadiD), call routing and recording providers, and call-center partners who speak with you on our behalf.

Legal and safety. We may disclose information to comply with law, respond to lawful requests, protect our rights, or prevent harm.

Business transfers. If we sell or transfer the business, information may transfer with it under this policy.

We do not share personal information with the Consumer Financial Protection Bureau, the Federal Trade Commission or any other government agency, except as required by law. We do not share personal information with third parties for their own cross-context behavioral advertising, except as described in Section 6.

4. Consent verification (TCPA)

When you submit a form, we use ActiveProspect TrustedForm and Jornaya LeadiD to create an independent record that you saw the consent language and submitted the form. These services capture a snapshot of the form page and the timing of your interaction and store it with a unique certificate ID. We keep that record as proof of consent for five years, or longer if the law requires. Their privacy practices are described at activeprospect.com and jornaya.com.

5. Your choices

• Stop calls or texts: reply STOP to any text, tell any caller you no longer wish to be contacted, or email [email protected]. We add you to our suppression list and notify partners who received your information from us.
• Opt out of sale or sharing: see Section 6.
• Cookies: most browsers let you block or delete cookies; see Section 7.

6. California and other state privacy rights

If you live in California (or another state with a comprehensive privacy law), you have the right to:

• Know what personal information we collect, use, disclose, sell, or share, and the categories of sources and recipients
• Access a copy of the personal information we hold about you
• Delete your personal information, subject to legal exceptions
• Correct inaccurate personal information
• Opt out of the sale or sharing of your personal information
• Limit the use of sensitive personal information
• Not be discriminated against for exercising these rights

Sale and sharing disclosure. In the preceding 12 months we have transmitted the following categories of personal information to participating providers and marketing partners in exchange for payment, which may be considered a "sale" or "sharing" under the CCPA/CPRA: identifiers (name, phone, email, street address, ZIP, IP address); personal characteristics you disclose (date of birth and the details of your debt situation); and internet activity (pages viewed, consent-verification record). We do not knowingly sell or share the personal information of anyone under 16.

How to exercise your rights. Email [email protected] or call (888) 555-0199. To opt out of sale or sharing, use the Do Not Sell or Share My Personal Information page. We will verify requests by matching the name, phone, and email you provided. An authorized agent may submit a request with written proof of authorization. We respond within 45 days (extendable once by 45 days with notice). We honor Global Privacy Control (GPC) browser signals as an opt-out of sale/sharing for the browser sending the signal.

Retention. We retain form submissions and consent records for five years to document consent, then delete or de-identify them unless a longer period is required by law. Website analytics data is retained for up to 26 months.

Text messaging

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We text you only if you ask us to — for example, when you call us and agree to receive a link to your case-review form. How we ask for and record that consent is described on our text message consent page (debtvalidate.com/sms-consent).

• Message frequency varies.
• Message and data rates may apply.
• Reply STOP to opt out at any time. Reply HELP for help, or contact [email protected] or (888) 555-0199.
• Carriers are not liable for delayed or undelivered messages.

7. Cookies and tracking

We use strictly necessary cookies to operate the site, and consent-verification scripts described in Section 4. We may use analytics and advertising cookies to measure campaigns; where required, we ask for consent first. We do not respond to browser "Do Not Track" signals, but we do honor Global Privacy Control as described above.

8. Security

We use industry-standard safeguards, including encryption in transit, access controls, and logged access to submission records. No system is perfectly secure; if a breach affects your information, we will notify you as required by law.

9. Changes

We may update this policy. The "Last updated" date shows the current version. Material changes will be posted on the site before they take effect.

10. Contact