1. Information We Collect

We collect both personal information (information that identifies you) and non-personal information in the following ways:

• Information You Provide Directly:
  • Contact details (e.g., name, email, phone number, address) when you engage with us, request assistance, or update your account.
  • Financial information (e.g., payment details, bank account, or credit card information) when you make payments or settle debts.
  • Account preferences or communication preferences you share with us.
• Information Collected Automatically:
  • Device and usage data (e.g., IP address, browser type, operating system, pages visited) when you interact with our Services, collected via cookies, tracking pixels, and similar technologies.
  • Behavioral data (e.g., time spent on pages, clicks) to improve user experience.
• Information from Third Parties:
  • Data from creditors, original lenders, or debt holders regarding your account.
  • Information from service providers (e.g., payment processors) or public sources (e.g., credit reports, where legally permissible).

2. How We Use Your Information

We use the information we collect to:

• Process payments, manage accounts, and facilitate debt settlement or repayment plans.
• Contact you regarding outstanding debts, payment options, or account updates via email, SMS, phone calls, or other methods, in compliance with applicable laws.
• Provide AI-driven financial advice tailored to your situation.
• Improve our Services, website functionality, and user experience.
• Comply with legal obligations, such as record-keeping or responding to regulatory inquiries.
• Prevent fraud, enforce our Terms and Conditions, and protect the rights and safety of Cloom.ai and its users.

3. Sharing Your Information

We do not sell your personal information. However, we may share your data with:

• Service Providers: Third parties assisting with debt collection, payment processing, customer support, or IT services, bound by confidentiality agreements.
• Creditors or Original Lenders: To report payment status or updates on your account.
• Legal and Regulatory Authorities: When required by law, subpoena, or to protect our legal rights.
• Business Transfers: In the event of a merger, acquisition, or sale of assets, your information may be transferred as part of the transaction.

4. Your Rights and Choices

Depending on your location and applicable laws, you may have the following rights:

• Request access to or a copy of your personal information.
• Request correction or deletion of inaccurate or outdated data.
• Opt out of certain communications (e.g., promotional messages) by following unsubscribe instructions or contacting us.
• Restrict or object to certain data processing activities, where permitted by law.
• Under CCPA (if applicable), request details about how your data is shared and opt out of "sales" (note: we do not sell data).

To exercise these rights, contact us at help@cloom.ai. We may require verification of your identity before processing requests.

5. Security Measures

We implement industry-standard security measures, including encryption, firewalls, and secure servers, to protect your personal information from unauthorized access, use, or disclosure. However, no system is completely secure, and we cannot guarantee absolute security.

6. Cookies and Tracking Technologies

We use cookies, web beacons, and similar technologies to enhance your experience, analyze usage, and deliver personalized content. You can manage cookie preferences through your browser settings, though disabling them may affect functionality.

7. Children’s Privacy

Our Services are not intended for individuals under 18. We do not knowingly collect personal information from children. If we learn such data has been collected, we will take steps to delete it.

8. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices or legal requirements. The updated version will be posted here with a revised "Effective Date." We encourage you to review it regularly.

9. Contact Us

For questions, concerns, or to exercise your rights under this Privacy Policy, please contact us at:

Email: help@cloom.ai