Effective Date: 2/13/2009

As your financial privacy is very important to us, this notice discusses Universal Debt Settlement,Inc.'s ("Universal Debt Settlement") privacy practices with respect to guarding the confidentiality and security of your personal information and the information you submit through this website.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by Email, or by means of a notice on our homepage.

What information does Universal Debt Settlement collect through its website?

We may collect personal information about you that you willingly provide to us for purposes of generating a free debt analysis. This information includes your name, address, e-mail address, phone number, amount of unsecured debt and how you heard about us. Universal Debt Settlement wishes to convey to its users that the only type of communications that are sent out are service related e-mails that are in response to a user’s online inquiry requesting a free consultation and users cannot opt out from receiving these service related emails. If your personally identifiable information changes, or if you no longer desire our service, you may contact us at the contact information provided at the end of this form to correct, update, delete or deactivate your personal information.

We reserve the right to disclose your personally identifiable information as required by law or when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our Web site.

We also may collect non-identifiable information. Our website automatically collects clickstream information about your visit. This can include the address of the website from which you originated before visiting our website, the pages you visit on our website, and the browser you use.

If you enroll in the program, we will collect additional personal information about you, including information about your debts, creditors, and financial condition. We cannot collect this information during your visit to our website; we will only do so when you enroll in our debt reduction program after consultation with a Universal Debt Settlement representative.

How does Universal Debt Settlement use the information it collects?

Universal Debt Settlement does not share any information that it collects through its website with any other person or entity for any reason. The personal information we collect is used solely to develop your free online analysis. After developing an analysis, we will use the information you submitted to contact you with the results of the analysis and explain how Universal Debt Settlement can help relieve your debt burden.

We do not share any personal information about current or former clients, or anyone who has received counseling or who has inquired about a debt settlement program except as permitted by law. We may share personal information about you only to service and maintain your account with us. Thus, we may share personal information about you with your creditors and with other parties that help us to service and maintain your account. We may receive personal information about you from other parties such as your creditors and we do not share that information except to service or maintain your account.

As necessary, we may share non-personal information with our trusted third party service providers, such as the corporations that manage or host our website, to perform services on our behalf. They typically use non-personal, anonymous information – like clickstream information regarding visit duration – that isn't identifiable with a particular visitor to further improve the website.

Cookies

A cookie is a small text file that is stored on a user's computer for record-keeping purposes. We use cookies on this site. We do not link the information we store in cookies to any personally identifiable information you submit while on our site.

We use persistent cookies. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser's "help" file.

We set persistent cookies to track and target the interests of our users to enhance the experience on our site. If you reject cookies, you will not have any difficulties using our site.

Some of our business partners/affiliations use cookies on our site. We have no access to, or control over these cookies. This privacy statement covers the use of cookies by Universal Debt Settlement only and does not address the use of cookies by any other party.

Does Universal Debt Settlement have safeguards in place to protect my personal information?

We restrict access to your personal information only to those employees who need to know that information to service and maintain your account with us. We also maintain physical, electronic and procedural safeguards that comply with federal requirements to guard your personal information.

Contact Us

If you have any questions or concerns about this privacy statement, please send them to us by emailing admin@universaldebtsettlement.com or write to us at the following address:

Universal Debt Settlement, Inc.
27 Washington Street
Biddeford, ME 04005

If you have technical difficulty using our Web site, please contact our Webmaster at admin@universaldebtsettlement.com

If you have questions or concerns regarding this statement, you should first contact Universal Debt Settlement, Inc., 27 Washington Street, Biddeford, ME 04005.

Legal

IMPORTANT - BEFORE INSTALLING, ACCESSING, OR USING ANY PART OF THE UNIVERSAL DEBT SETTLEMENT, INC. ("Universal Debt Settlement") WEB SITE LOCATED AT WWW.UNIVERSALDEBTSETTLEMENT.COM SITE AND ANY PROGRAMS, SERVICES, PRODUCTS, MATERIALS, DOCUMENTATION, AND INFORMATION AVAILABLE THROUGH THE SITE OR USED IN CONNECTION THEREWITH (COLLECTIVELY, THE "SITE"), YOU SHOULD READ THE FOLLOWING TERMS AND CONDITIONS CONTAINED IN THIS TERMS OF SERVICE AGREEMENT (THE "TOS") CAREFULLY AS THEY GOVERN YOUR ACCESS TO AND USE OF THIS SITE. Universal Debt Settlement IS WILLING TO LICENSE THE USE OF THE SITE TO YOU ONLY ON THE CONDITION THAT YOU ACCEPT ALL OF THE TERMS AND CONDITIONS CONTAINED IN THIS TOS. IF YOU DO NOT AGREE WITH THIS TOS, YOU ARE NOT GRANTED PERMISSION BY Universal Debt Settlement TO ACCESS OR OTHERWISE USE THIS SITE AND ARE INSTRUCTED TO EXIT THIS SITE IMMEDIATELY.

1. LICENSE GRANT.

 This Site is provided by Universal Debt Settlement. This TOS provides you, a "User", with a personal, revocable, limited, non-exclusive, royalty-free, nontransferable license to use this Site conditioned on your continued compliance with the terms and conditions of this TOS. You may print and download materials and information from this Site solely for your personal use, provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. This TOS is a license and not an assignment or sale. Any rights granted hereby are licensed and not sold or otherwise transferred to you. Accordingly, you expressly acknowledge and agree that Universal Debt Settlement transfers no ownership or intellectual property interest in and to the Site to you or anyone else.

2. USER OBLIGATIONS.

By installing, accessing, or using this Site, you represent that you are at least eighteen (18) years of age and will, at all times, provide true, accurate, current, and complete information when submitting information or materials on this Site, including, without limitation, when you provide information via a Site registration form. If you provide any false, inaccurate, untrue, or incomplete information, Universal Debt Settlement reserves the right to terminate your access and use of this Site. In addition, you agree to abide by all applicable local, state, national, and international laws and regulations with respect to your use of this Site and agree not to interfere with the use and enjoyment of this Site by other Users and Universal Debt Settlement's operation or management of this Site. Moreover, you agree not to impersonate any other person or entity, whether actual or fictitious, including impersonating an employee or representative of Universal Debt Settlement, when using this Site.

Use of the Internet and this Site is solely at your own risk and is subject to all applicable local, state, national, and international laws and regulations. While Universal Debt Settlement has endeavored to create a secure and reliable Site, you should understand that the confidentiality of any communication or material transmitted to/from the Site over the Internet or other global communication network cannot be guaranteed. Moreover, you understand that the technical processing and transmission of the Site may involve transmission over various networks. Accordingly, Universal Debt Settlement is not responsible for the security of any information transmitted via the Internet, the accuracy of the information contained on the Site, or for the consequences of any reliance on such information. You assume sole and complete risk for using this Site and must make your own determination as to these issues.

3. LICENSE GRANT RESTRICTIONS.

Notwithstanding the foregoing, you may not modify, alter, translate, decompile, create derivative work(s) of, copy, distribute, disassemble, broadcast, transmit, reproduce, publish, remove or alter any proprietary notices or labels, license, sublicense, transfer, sell, mirror, frame, exploit, rent, lease, grant a security interest in, transfer any right(s) in, or otherwise use in any manner not expressly permitted herein the Site. Moreover, you may not (i) use any "deep link," "page scrape," "robot," "spider," or other automatic device, program, algorithm, or methodology, or any similar or equivalent manual process, to access, acquire, copy, or monitor any portion of the Site or in any way reproduce or circumvent the navigational structure or presentation of the Site to obtain or attempt to obtain any materials, documents, or information through any means not purposely made available through the Site, (ii) attempt to gain unauthorized access to any portion or feature of the Site or any other systems or networks connected to the Site or to any Universal Debt Settlement server or to any of the services offered on or through the Site, by hacking, password "mining," or any other illegitimate means, (iii) probe, scan, or test the vulnerability of the Site or any network connected to the Site, nor breach the security or authentication measures on the Site or any network connected to the Site, (iv) reverse look-up, trace, or seek to trace any information on any other user of or visitor to the Site, (v) take any action that imposes an unreasonable or disproportionately large load on the infrastructure of the Site or Universal Debt Settlement's systems or networks or any systems or networks connected to the Site, (vi) use any device, software, or routine to interfere with the proper working of the Site or any transaction conducted on the Site, or with any other person's use of the Site, and (vii) forge headers or otherwise manipulate identifiers in order to disguise the origin of any message or transmittal you send to Universal Debt Settlement on or through the Site. WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, COPYING OR REPRODUCING ANY SERVICES, PROGRAMS, PRODUCTS, OR MATERIALS PROVIDED BY Universal Debt Settlement TO ANY OTHER SERVER OR LOCATION FOR FURTHER REPRODUCTION OR REDISTRIBUTION IS EXPRESSLY PROHIBITED. Actual or attempted unauthorized use of the Site may result in criminal and/or civil prosecution, including, without limitation, punishment under the Computer Fraud and Abuse Act of 1986. Universal Debt Settlement reserves the right to view, monitor, and record activity on the Site without notice or permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with investigation or prosecution of possible criminal activity on the Site. Universal Debt Settlement will also comply with all court orders involving requests for such information. In addition to the foregoing, Universal Debt Settlement reserves the right to at any time, and without notice, to modify, suspend, terminate, or interrupt operation of or access to the Site, or any portion of the Site, for any reason.

4. TERM AND TERMINATION.

This TOS will take effect at the time you begin accessing, or using this Site, whichever is earliest. Universal Debt Settlement reserves the right at any time and for any reason to deny you access to the Site or to any portion thereof and to terminate this TOS. This TOS will terminate automatically if you fail to comply with the limitations described herein. Termination will be effective without notice. You may terminate at any time by ceasing to use the Site, but all applicable provisions of this TOS will survive termination, as outlined below. Upon termination, you must destroy all copies of any aspect of the Site in your possession. The provisions of this TOS concerning proprietary and intellectual property rights, submissions, events beyond Universal Debt Settlement's control, confidentiality, indemnity, representations and warranties, disclaimers of warranty and liability, availability of records, admissibility of this TOS, termination, and governing law will survive the termination of this TOS for any reason.

5. PROPRIETARY RIGHTS.

All text, graphics, user interfaces, visual interfaces, photographs, sounds, artwork, computer code (including html code), programs, software, products, information, and documentation as well as the design, structure, selection, coordination, expression, "look and feel," and arrangement of any content contained on or available through the Site, unless otherwise indicated, are owned, controlled, and licensed by Universal Debt Settlement and are protected by law including, but not limited to, United States copyright, trade secret, patent, and trademark law, as well as other state, national, and international laws and regulations. Except as expressly provided herein, Universal Debt Settlement does not grant any express or implied right to you or any other person under any intellectual or proprietary rights. Accordingly, your unauthorized use of this Site may violate intellectual property or other proprietary rights laws as well as other laws, regulations, and statutes. Please be aware that Universal Debt Settlement actively and aggressively enforces its intellectual property rights to the fullest extent of the law. Any software and other downloadable or printable programs, information, or materials available through this Site and all copyrights, trade secrets, and know-how related thereto, unless otherwise indicated, are owned by Universal Debt Settlement. Universal Debt Settlement, Universal Debt Settlement, the Universal Debt Settlement logo, and all other names, logos, and icons identifying Universal Debt Settlement and its products and services are proprietary trademarks of Universal Debt Settlement, and any use of such marks without the express written permission of Universal Debt Settlement is strictly prohibited. Other product and company names mentioned herein may be the trademarks and/or service marks of their respective owners.

6. PRIVACY POLICY.

Universal Debt Settlement considers your personal identifying information to be private and operates this Site by keeping any collected personal identifying information confidential. Nevertheless, you understand, acknowledge, and agree that the operation of certain portions of the Site requires the submission, use, and dissemination of various personal identifying information. Accordingly, if you wish to access and use those areas of the Site, you acknowledge and agree that your use of this Site will constitute acceptance of Universal Debt Settlement's personal identifying information collection and use practices. Please see Universal Debt Settlement's Privacy Policy for a summary of Universal Debt Settlement's personal identifying information collection and use practices.

7. FORWARD LOOKING STATEMENTS.

This Site may from time to time contain or provide links to certain forward-looking statements - within the meaning of the Private Securities Litigation Reform Act of 1995 which includes all statements that address operating performance or events or developments that Universal Debt Settlement expects or anticipates will occur in the future. Forward-looking statements may be identified by the use of words like "plan," "expect," "believe," "intend," "will," "anticipate," "estimate" and other words of similar meaning. Forward-looking statements are based on current expectations of future events. The forward-looking statements contained in the Site are and will be based on Universal Debt Settlement's then current views and assumptions and speak only as of the date upon which they were originally published. All forward-looking statements contained in the Site are subject to certain risks and uncertainties. If underlying assumptions prove inaccurate or unknown risks or uncertainties materialize, actual results could vary materially from expectations and projections. Furthermore, Universal Debt Settlement undertakes no obligation to update or revise any forward-looking statements whether as a result of new information, future events and developments or otherwise. You are therefore cautioned not to place any reliance on any forward-looking statements contained in this Site.

8. PRESS/NEWS RELEASES.

Universal Debt Settlement will from time-to-time release press/news releases, which are offered as a service for informational purposes. Please note that all information is accurate as of the date of the release and may not be accurate on the date upon which you are viewing this Site. Your reliance on or use of any information contained in a press/news release is at your own risk.

9. SUBMISSIONS.

Universal Debt Settlement welcomes your feedback and suggestions about how to improve this Site. By transmitting any suggestions, information, material, or other content (collectively, "feedback") to Universal Debt Settlement, you represent and warrant that such feedback does not infringe the intellectual property or proprietary rights of any third party (including, without limitation, patents, copyrights, or trademark rights) and that you have all rights necessary to convey such feedback to Universal Debt Settlement. In addition, any feedback received through this Site will be deemed to include a royalty-free, perpetual, irrevocable, transferable, non-exclusive right and license for Universal Debt Settlement to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works, and display (in whole or in part) worldwide, or act on such feedback without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such content, and you hereby waive any claim to the contrary.

10. THIRD PARTY PRODUCTS/SERVICES.

You acknowledge and agree that this Site may feature materials, products, and services provided by Users and third parties. Universal Debt Settlement makes no representations with respect to, nor does it guarantee or endorse, the quality, non-infringement, accuracy, completeness, timeliness, reliability, or correct sequencing of such third party materials, products, and services or any other materials, products, and services which such third party materials, products, and services may access. Universal Debt Settlement expressly disclaims responsibility and liability for all third party provided materials, products, and services contained on or accessed through the Site.

11. ADVERTISERS ON THIS SITE.

Universal Debt Settlement, in its sole discretion, may post the advertisements of third parties on this Site. Your correspondence or any other dealings with advertisers found on this site are solely between you and such advertiser. You agree that Universal Debt Settlement shall not be responsible for any loss or damage of any sort incurred as a result of any such dealings or as the result of the presence of such advertisers on this Site. Moreover, Universal Debt Settlement shall not be responsible or liable for the statements or conduct of any third party on this Site.

12. LINKS TO OTHER SITES.

Universal Debt Settlement may provide links, in its sole discretion, to other sites on the World Wide Web for your convenience in locating related information, products, and services. These sites have not necessarily been reviewed by Universal Debt Settlement and are maintained by third parties over which Universal Debt Settlement exercises no control. Accordingly, Universal Debt Settlement expressly disclaims any responsibility for the content, the materials, the accuracy of the information, and/or quality of the products or services provided by or advertised on these third party web sites. Moreover, these links do not imply an endorsement with respect to any third party or any web site or the products or services provided by any third party.

13. LINKS TO THIS SITE.

Universal Debt Settlement encourages and permits text links to this Site and its content. Universal Debt Settlement is an organization committed to the highest ethics and standards and therefore, any links to this Site should not suggest that Universal Debt Settlement promotes or otherwise endorses any third party products, services, causes, campaigns, websites, content, or information. Moreover, no link may be used for commercial or fundraising purposes. Universal Debt Settlement also reminds you that a link may not use or include any Universal Debt Settlement logos, content, or designs without the express written consent of Universal Debt Settlement.

14. DISCLAIMER.

WHILE Universal Debt Settlement ENDEAVORS TO PROVIDE THE MOST ACCURATE, UP-TO-DATE, AND RELIABLE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE, THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE ARE PROVIDED ON AN "AS-IS" AND "AS AVAILABLE" BASIS AND MAY INCLUDE ERRORS, OMISSIONS, OR OTHER INACCURACIES. MOREOVER, Universal Debt Settlement MAY MAKE MODIFICATIONS AND/OR CHANGES IN THIS SITE OR IN THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SOFTWARE, SERVICES, AND MATERIALS DESCRIBED IN OR AVAILABLE THROUGH THIS SITE AT ANY TIME AND FOR ANY REASON. YOU ASSUME THE SOLE RISK OF MAKING USE AND/OR RELYING ON THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE ON OR THROUGH THIS SITE. Universal Debt Settlement MAKES NO REPRESENTATIONS OR WARRANTIES ABOUT THE SUITABILITY, COMPLETENESS, TIMELINESS, RELIABILTY, LEGALITY, OR ACCURACY OF THE INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS DESCRIBED ON OR AVAILABLE THROUGH THIS SITE FOR ANY PURPOSE. Universal Debt Settlement ALSO DOES NOT WARRANT THAT THE SITE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT THE SITE OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. PROGRAM IS NOT AVAILABLE TO IDAHO RESIDENTS.

15. LIMITATION OF LIABILITY.

IN NO EVENT SHALL Universal Debt Settlement AND ITS AFFILIATES AND ALL OF THEIR EMPLOYEES, AGENTS, DIRECTORS, OFFICERS, PROPRIETORS, PARTNERS, REPRESENTATIVES, SHAREHOLDERS, SERVANTS, ATTORNEYS, PREDECESSORS, SUCCESSORS, AND ASSIGNS BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, OR CONSEQUENTIAL DAMAGES ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OF THIS SITE OR WITH THE DELAY OR INABILITY TO USE THIS SITE, OR FOR ANY INFORMATION, SERVICES, PROGRAMS, PRODUCTS, SERVICES, AND MATERIALS AVAILABLE THROUGH THIS SITE, OR FOR ANY LOST PROFITS, BUSINESS INTERRUPTION, LOSS OF PROGRAMS OR OTHER DATA ON YOUR INFORMATION HANDLING SYSTEM, OR OTHERWISE ARISING OUT OF UTILIZATION OF THIS SITE, WHETHER BASED IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE, EVEN IF Universal Debt Settlement HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. SOME STATES DO NOT ALLOW THE EXCLUSION OF DAMAGES OR LIMITATION OF LIABILITY SET FORTH ABOVE, SO THIS LIMITATION OF LIABILITY MAY NOT APPLY TO YOU. IF ANY PART OF THIS LIMITATION OF LIABILITY IS FOUND TO BE INVALID OR UNENFORCEABLE FOR ANY REASON, THEN THE AGGREGATE LIABILITY OF Universal Debt Settlement UNDER SUCH CIRCUMSTANCES SHALL NOT EXCEED, ONE HUNDRED ($100.00) DOLLARS IN THE AGGREGATE. IF ANY REMEDY HEREUNDER IS DETERMINED TO HAVE FAILED OF ITS ESSENTIAL PURPOSE, ALL LIMITATIONS OF LIABILITY, DISCLAIMERS AND EXCLUSIONS OF WARRANTIES AND DAMAGES SET FORTH IN THIS AGREEMENT SHALL REMAIN IN EFFECT.

16. INDEMNITY.

You agree to defend, indemnify, and hold harmless Universal Debt Settlement and its affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns from and against any and all claims, proceedings, damages, injuries, liabilities, losses, costs, and expenses (including reasonable attorneys' fees and litigation expenses), relating to or arising from your use of the Site, any breach by you of this TOS, or the submission by you of any material via the Site. Universal Debt Settlement reserves the right to take over the exclusive defense of any third party claim or action and in such event, you shall provide Universal Debt Settlement with such cooperation as is reasonably requested by Universal Debt Settlement. You hereby release Universal Debt Settlement and its affiliates and all of their employees, agents, directors, officers, proprietors, partners, representatives, shareholders, servants, attorneys, predecessors, successors, and assigns from claims, demands and damages of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with your use of the Site.

17. GENERAL PROVISIONS.

This TOS, Universal Debt Settlement's Privacy Policy, and any related or associated service or software license agreements, which are all hereby incorporated by reference as if set forth fully herein, represent the entire agreement between you and Universal Debt Settlement with respect to use of the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Universal Debt Settlement with respect to this Site. Please note that Universal Debt Settlement reserves the right to change the terms and conditions of this TOS and under which this Site and its many offerings are extended to you by posting a revised TOS and mailing notice thereof to you. In addition, Universal Debt Settlement may add or delete any aspect of this Site. Your continued use of this Site following any change will be conclusively deemed acceptance of any change to the terms and conditions of this TOS. Accordingly, please review the TOS found at this location on a periodic basis. This TOS has been made in and will be construed and enforced in accordance with the laws of the State of Maine as applied to agreements entered into and completely performed in the State of Maine. Any cause of action related to use of this Site must be commenced within (1) year after the claim or cause of action arises or is otherwise reasonably known. The sole jurisdiction and venue for any litigation arising out of this TOS shall be an appropriate federal or state court located in Maine, and the parties agree not to raise, and waive, any objections or defenses based upon venue or forum non conveniens, except that Universal Debt Settlement may seek temporary injunctive relief in any venue of its choosing. This Site is controlled and operated by Universal Debt Settlement from its offices within the United States. Universal Debt Settlement makes no representation that the Site is appropriate or available for use in other locations, and access to the Site from territories or nations where any aspect of the Site is illegal is prohibited. You access this Site on your own volition and are responsible for compliance with all applicable local laws. Failure to insist on strict performance of any of the terms and conditions of this TOS will not operate as a waiver of any subsequent default or failure of performance. No waiver by Universal Debt Settlement of any right under this TOS will be deemed to be either a waiver of any other right or provision or a waiver of that same right or provision at any other time. If any part of this TOS is determined to be invalid or unenforceable pursuant to applicable law including, but not limited to, the warranty disclaimers and the liability limitations set forth above, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most clearly matches the intent of the original provision and the remainder of this TOS shall continue in effect.

Security Statement

This policy is effective as of February 13, 2009.

Universal Debt Settlement is committed to providing its clients with the most complete and up-to-date levels of service and security. The following statement discloses Universal Debt Settlement's practices as it pertains to administrative, logical, and physical security; and the use of confidential information. Please read the disclosure carefully; and do not hesitate to contact Universal Debt Settlement with any questions or concerns pertaining to our current practices.

Customer Information Protection

1. Administrative Protection

Employee access to consumer's non-public personal information is necessary to carry out our debt negotiation and settlement functions. Additionally, standards have been set to ensure that client information is safeguarded and is used solely for the purposes of carrying out our business. Each employee and workstation is identifiable by a unique username and password that enables him/her to log into the system. Passwords are required to be changed every 30 days. Senior management monitors employee network usage and Email and the misuse of consumer information is cause for dismissal or will result in the appropriate disciplinary action.

2. Technological Security

Universal Debt Settlement maintains a back-up tape of the system, which is updated on a daily basis. From Monday through Friday, an incremental update is run, and once a week, a full back up of the server is run and Emailed off-site. As a result, in terms of information loss, a single week of data loss is a worst-case scenario. In addition, each computer workstation is equipped with real-time Norton Anti-Virus Protection and the Company's server is protected by a state-of-the-art firewall to reduce the risk of Internet Intrusion and Penetration.

3. Physical Security

The facility that houses Universal Debt Settlement's operations is monitored by security cameras, alarms, and key card entry during non-business hours. A security guard monitors entrance and exit of all persons during business hours, and any visitors to the building are not allowed beyond the ground floor without being signed-in and admitted by a Universal Debt Settlement Manager. The Universal Debt Settlement premises are locked during non-business hours and only designated senior managers hold keys for entry. In addition, each network station is locked and can only be accessed with a Universal Debt Settlement employee username and password that is unique to that station.

Company Use of Financial Information

Given the nature and scope of Universal Debt Settlement's services, the use of customer personal information to perform business functions is necessary. Universal Debt Settlement uses this information solely for the purposes of successfully negotiating debt settlements, and will use due diligence when discussing personal information on behalf of its clients. Universal Debt Settlement will share non-public personal information to third parties whom Universal Debt Settlement is directly dependent on for the purposes of debt settlement. These may include, but are not limited to; data processors, technical systems consultants, and creditors or credit agencies. Universal Debt Settlement does not share any client information with outside parties, marketers, or other sales companies pursuing distribution lists.

Opting Out

Although Universal Debt Settlement is not in the business of selling any client information, we do share our client information with the appropriate parties as needed to perform the functions outlined in our enrollment agreement although there is an option for all clients to "opt-out." Please be advised, however, that if a client chooses to "opt-out", Universal Debt Settlement may no longer be able to offer the settlement agreements and services as outlined in our enrollment agreements. For more information, please contact a Client Services Representative to discuss this option.

These policies and practices are subject to change at any time. Universal Debt Settlement will notify all clients of any significant changes as required by law. This policy should override any previous statements regarding this subject matter.