Privacy policy.

Privacy Policy for Debt Settlement and Debt Relief Business. 

1. Introduction

Hikaru Services, operating as HS Debt Support, is committed to protecting your privacy while providing specialized debt relief, debt settlement, and lending-related services. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information in accordance with applicable federal and state laws—including regulations enforced by the Federal Trade Commission (FTC), Fair Debt Collection Practices Act (FDCPA), Gramm-Leach-Bliley Act (GLBA), and any relevant state-specific legislation (e.g., CCPA). By accessing or using our website and services, you consent to the practices described herein.


2. Information We Collect

A. Personal Identification Data

  • Contact Details: Name, mailing address, email address, and telephone number.

  • Verification Information: Date of birth, Social Security Number (when required), and other identifiers needed for service verification.

B. Financial and Credit Information

  • Financial Data: Details regarding your financial status, including income, outstanding debts, credit scores, payment histories, and bank or credit card information necessary for processing your inquiries.

  • Debt-Related Information: Data you provide regarding unsecured debt, tax debt, or other liabilities, along with any supporting documentation.

C. Communications Data

  • Correspondence: Records of emails, phone calls, chat transcripts, and other communications with our representatives.

  • Service Inquiries: Feedback and survey responses.

D. Technical and Usage Data

  • Automatic Data Collection: Your IP address, browser type, device information, operating system, geolocation data, and website usage details (e.g., pages viewed, links clicked, session duration).

  • Cookies & Tracking Technologies: Data collected via cookies, web beacons, pixels, and similar technologies to personalize your experience and monitor site performance.


3. How We Collect Your Information

  • Direct Interactions: Information you provide when registering, completing forms, subscribing to newsletters, or contacting customer support.

  • Automated Technologies: Data collected through cookies and similar tracking methods during your visit to our website.

  • Third-Party Sources: Data obtained from trusted partners, affiliates, credit reporting agencies, or other third parties that help verify or supplement the information you provide.

  • Affiliate Channels: Information shared with us via our affiliate marketing partners, ensuring that such data is handled per our privacy standards.


4. Use of Your Information

We use your information to:

  • Deliver and Enhance Services: Provide, personalize, and improve our debt relief, settlement, and lending solutions.

  • Transaction Processing: Verify identity, process payments securely, and manage your account.

  • Communicate: Send service-related notices, legal updates, and, with your consent, marketing communications and newsletters.

  • Analytics and Research: Analyze trends, user behavior, and site performance to improve our offerings.

  • Legal and Regulatory Compliance: Satisfy our obligations under applicable laws, including responding to legal requests and audits.

  • Risk Management: Detect and prevent fraud, unauthorized access, or other harmful activities.

  • Affiliate Marketing Coordination: Work with our affiliate partners to deliver tailored content and offers while ensuring compliance with privacy standards.


5. Legal Basis for Processing

Our processing of your personal information is based on one or more of the following:

  • Consent: Where you have provided explicit permission.

  • Contractual Necessity: To perform the services you have requested.

  • Legal Obligations: To comply with legal and regulatory requirements.

  • Legitimate Interests: For purposes such as service improvement, security, and business operations, provided these interests do not override your rights.


6. Data Sharing and Disclosure

We may share your information with:

  • Service Providers: Third parties (e.g., payment processors, IT support, analytics providers) who perform services on our behalf under strict confidentiality agreements.

  • Affiliates and Partners: Our related entities and approved affiliate partners, ensuring they adhere to privacy standards comparable to ours.

  • Regulatory Authorities: When required by law, regulation, or legal process (such as subpoenas or court orders).

  • Business Transfers: In connection with mergers, acquisitions, or asset sales, ensuring the successor entity agrees to protect your data.

  • Third-Party Marketing: Only with your explicit consent and in compliance with all applicable laws and regulations.


7. Data Security and Retention

A. Data Security

  • Encryption: We use industry-standard encryption (SSL/TLS) to secure data both in transit and at rest.

  • Secure Infrastructure: Our servers and databases are protected by firewalls, intrusion detection systems, and access controls.

  • Access Management: Internal policies including role-based access and multi-factor authentication restrict access to sensitive data.

  • Regular Assessments: Periodic security audits, vulnerability scans, and risk assessments help maintain data integrity.

  • Breach Response: We have a documented incident response plan for promptly notifying affected individuals and relevant authorities in the event of a data breach.

B. Data Retention and Disposal

  • Retention Period: Personal data is retained only as long as necessary to fulfill the purposes for which it was collected, or as required by law.

  • Secure Disposal: Once data is no longer required, it is permanently deleted or anonymized using secure methods.


8. Cookies and Tracking Technologies

  • Purpose: We use cookies and similar technologies to track site activity, remember preferences, and deliver personalized content and targeted advertisements.

  • User Control: You can manage or disable cookies via your browser settings, though this may affect the functionality of our website.

  • Consent Management: We obtain your consent for cookies and tracking technologies and allow you to adjust your preferences at any time.


9. International Data Transfers

Your personal information may be transferred to and processed in countries outside your country of residence. We ensure adequate safeguards through:

  • Standard Contractual Clauses: Implementing legal mechanisms to protect your data.

  • Risk Assessments: Regular assessments to ensure compliance with international data protection laws.

  • Monitoring: Ongoing reviews of data transfers to maintain protection levels consistent with this Privacy Policy.


10. Your Rights and Choices

Depending on your jurisdiction, you may have the following rights:

  • Access: Request information about the personal data we hold on you.

  • Correction: Update or correct inaccuracies in your personal data.

  • Deletion: Request deletion of your data, subject to legal or contractual limitations.

  • Objection/Restriction: Object to or restrict the processing of your data.

  • Data Portability: Request a copy of your data in a structured, commonly used format.

  • Withdrawal of Consent: Withdraw consent for data processing (this will not affect processing conducted before the withdrawal).

  • Opt-Out: Manage your preferences regarding marketing communications.

To exercise these rights, please contact us (see Section 14). We may require identity verification and will respond within the timelines required by law.



11. Data Breach Notification Procedures

In the event of a data breach, we will:

  • Investigate: Immediately initiate our incident response plan to assess the breach.

  • Notify: Inform affected individuals and relevant regulatory authorities in accordance with applicable laws.

  • Mitigate: Take corrective actions to prevent further breaches and protect your information.

  • Review: Conduct a post-incident review to enhance future security measures.


12. Governing Law and Jurisdiction

This Privacy Policy is governed by and construed in accordance with the laws of Arizona. Any disputes arising under this Policy shall be subject to the exclusive jurisdiction of the courts located in Arizona, unless otherwise required by applicable law.


13. Third-Party Disclosures and Affiliate Relationships

  • Affiliate Relationships: We engage in affiliate marketing and may share data with our partners solely for purposes of service delivery and marketing. All such partners are required to adhere to privacy practices that are consistent with this Policy.

  • Third-Party Links: Our website may contain links to third-party websites whose privacy practices may differ. We are not responsible for the privacy practices of such sites and encourage you to review their policies.


14. Contact Information and Data Protection Officer

If you have any questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:

Hikaru Services (HS Debt Support)
Email: info@hikaruservices.com
Phone: (949) 805-0521
Address: 4730 E Lone Mountain Rd, Cave Creek, AZ 85331

15. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal data from minors. If we become aware of inadvertently collecting such information, we will promptly delete it and notify the appropriate parties.


16. Changes to This Privacy Policy

We may update or modify this Privacy Policy from time to time. Any significant changes will be communicated via our website and, where appropriate, via email. The updated policy will include a revised effective date. Your continued use of our website constitutes your acceptance of the updated policy.