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Privacy Policy

Effective Date: July 09, 2026

Last Updated: July 09, 2026

Aequitas Debt Advisory (“Aequitas,” “Company,” “we,” “our,” or “us”) respects your privacy. This Privacy Policy explains how we collect, use, disclose, protect, and retain information when you visit aequitasdebtadvisory.com, submit a case review form, communicate with us, schedule a consultation, or use our related services.

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Because our services may involve sensitive financial, student loan, tax, identity, and debt-related information, we take privacy seriously and aim to collect only the information reasonably needed to evaluate and support your matter. The FTC recommends that businesses protect sensitive personal information, including Social Security numbers, financial account data, and similar identifying information.  

1. Information We Collect

We may collect the following categories of information:

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A. Personal Identifiers

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This may include:

  • Name;

  • Email address;

  • Phone number;

  • Mailing address;

  • Date of birth;

  • Last four digits or full Social Security number, if required for case review or documentation;

  • Government-issued identification details, if necessary for verification or documentation.

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B. Debt and Financial Information

This may include:

  • Student loan balances;

  • Loan servicer or lender information;

  • Account status information;

  • Payment history;

  • Collection notices;

  • Tax debt balances;

  • IRS or state tax notices;

  • Income information;

  • Employment information;

  • Financial hardship information;

  • Assets, liabilities, or other financial details relevant to your case.

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C. Documents You Provide

You may submit or be asked to provide documents such as:

  • Loan statements;

  • Tax notices;

  • Account statements;

  • Correspondence from lenders, servicers, collectors, or tax authorities;

  • Identification documents;

  • Financial records;

  • Authorization forms;

  • Supporting documentation related to your matter.

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D. Communications

We may collect records of your communications with us, including:

  • Emails;

  • Text messages;

  • Phone call notes;

  • Form submissions;

  • Consultation notes;

  • Scheduling details;

  • Customer support or follow-up communications.

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E. Website and Technical Information

When you visit the Site, we may collect:

  • IP address;

  • Browser type;

  • Device type;

  • Operating system;

  • Pages visited;

  • Referring website;

  • Approximate location;

  • Date and time of visit;

  • Interaction data;

  • Cookies and similar tracking information.

2. How We Use Information

We may use your information to:

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  • Review your submitted case information;

  • Determine whether your matter may qualify for further evaluation;

  • Contact you about your case review;

  • Schedule consultations;

  • Request additional documentation;

  • Prepare, organize, and manage case-related materials;

  • Provide student loan debt or tax debt advisory support;

  • Communicate with lenders, servicers, collectors, tax authorities, or other parties when authorized;

  • Process payments, invoices, or service agreements;

  • Maintain internal records;

  • Improve our Site, services, and client experience;

  • Send service-related updates;

  • Send marketing communications where permitted;

  • Detect, prevent, or investigate fraud, abuse, security incidents, or unauthorized activity;

  • Comply with legal, regulatory, tax, accounting, or contractual obligations.

3. Sensitive Information

Our services may require the collection of sensitive information, including financial, tax, loan, debt, identity, and hardship-related information. We only request sensitive information when we believe it is reasonably necessary for case review, documentation, service delivery, compliance, or verification purposes.

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You should not submit information that we have not requested or that is not relevant to your matter.

4. How We Share Information

We may share information with:

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A. Service Providers

We may share information with vendors who help us operate our business, including website hosting providers, form platforms, CRM systems, scheduling tools, email providers, payment processors, document storage providers, analytics providers, and security tools.

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B. Professional Advisors

We may share information with attorneys, accountants, tax professionals, compliance consultants, or other advisors when necessary for business, compliance, legal, or service-related purposes.

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C. Authorized Third Parties

When you authorize us to do so, we may share information with lenders, loan servicers, collection agencies, tax authorities, government agencies, financial institutions, or other parties involved in your matter.

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D. Legal and Compliance Purposes

We may disclose information if we believe it is necessary to comply with law, respond to lawful requests, enforce agreements, protect rights or safety, prevent fraud, or address security concerns.

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E. Business Transfers

If Aequitas is involved in a merger, acquisition, restructuring, financing, sale of assets, or similar business transaction, information may be transferred as part of that transaction, subject to applicable law.

We do not sell your personal information in exchange for money.

5. Cookies and Tracking Technologies

The Site may use cookies, pixels, tags, analytics tools, and similar technologies to operate the Site, understand visitor behavior, improve performance, measure marketing effectiveness, and enhance user experience.

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You can adjust your browser settings to refuse or delete cookies. Some Site features may not function properly without cookies.

6. Advertising and Analytics

We may use analytics or advertising tools, including third-party platforms, to understand how users interact with the Site, improve our marketing, and measure the effectiveness of campaigns.

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These tools may collect information such as your IP address, device information, browser type, pages visited, and interactions with the Site.

7. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, loss, misuse, disclosure, alteration, or destruction.

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However, no website, system, transmission, or storage method is completely secure. We cannot guarantee absolute security of your information.

8. Data Retention

We retain personal information for as long as reasonably necessary to:

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  • Evaluate your case;

  • Provide services;

  • Maintain business records;

  • Comply with legal, tax, accounting, or regulatory obligations;

  • Resolve disputes;

  • Enforce agreements;

  • Support security and fraud prevention.

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When information is no longer needed, we may delete, de-identify, archive, or securely retain it as permitted by law.

9. Your Choices

Depending on your location and applicable law, you may have the right to:

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  • Request access to personal information we maintain about you;

  • Request correction of inaccurate information;

  • Request deletion of certain information;

  • Opt out of marketing communications;

  • Limit certain uses or disclosures;

  • Request information about how your information is used or shared.

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To make a privacy request, contact us using the information below.

10. Marketing Communications

You may unsubscribe from marketing emails by using the unsubscribe link in the email or contacting us directly.

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Even if you opt out of marketing communications, we may still send service-related messages, including case updates, appointment reminders, document requests, payment notices, or important administrative communications.

11. Text Messages and Phone Communications

If you provide your phone number, you consent to receive calls or text messages from Aequitas related to your inquiry, case review, consultation, documentation, or services.

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Message and data rates may apply. You may opt out of non-essential text messages by replying “STOP” or contacting us directly.

12. Children’s Privacy

The Site is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that we have collected information from a child under 18, we will take reasonable steps to delete it.

13. State Privacy Rights

Residents of certain states may have additional privacy rights under applicable state privacy laws. These rights may include access, correction, deletion, portability, and opt-out rights.

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To exercise any applicable rights, contact us using the information below. We may need to verify your identity before processing your request.

14. California Privacy Notice

If you are a California resident, the California Consumer Privacy Act, as amended by the California Privacy Rights Act, may provide specific rights regarding personal information.

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In the preceding 12 months, we may have collected the categories of personal information described in this Privacy Policy, including identifiers, financial information, internet activity information, professional or employment-related information, and sensitive personal information submitted by you.

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We may use this information for the business and service purposes described above. We do not sell personal information for money. If we engage in activities considered “sharing” under California law, such as certain cross-context behavioral advertising, you may have the right to opt out.

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California residents may contact us to request access, correction, deletion, or additional information about our privacy practices.

15. Do Not Track Signals

Some browsers transmit “Do Not Track” signals. Because there is no uniform industry standard for responding to these signals, the Site may not respond to them.

16. Third-Party Links

The Site may contain links to third-party websites, platforms, or resources. We are not responsible for the privacy practices, security, content, or terms of third-party sites.

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You should review the privacy policies of any third-party websites you visit.

17. Government and Agency Disclaimer

Aequitas is a private company and is not affiliated with, endorsed by, sponsored by, or acting on behalf of the Internal Revenue Service, any state tax authority, the U.S. Department of Education, Federal Student Aid, any loan servicer, lender, guarantor, or government agency.

18. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised “Last Updated” date.

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Your continued use of the Site after updates are posted means you acknowledge the updated Privacy Policy.

19. Contact Us

For questions about this Privacy Policy or to submit a privacy request, contact:

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Aequitas Debt Advisory

A subsidiary of Opulent Intelligence LLC
Email: contact@aequitasdebtadvisory.com
Mailing Address: 8465 E Angel Spirit Dr. Scottsdale, AZ 85255

Aequitas Debt Advisory is a private advisory company. We are not a law firm, tax firm, government agency, lender, loan servicer, or credit repair organization. Services are documentation-based and results vary by individual circumstances. No outcome is guaranteed. Past results do not guarantee future results. Tax, legal, accounting, and financial matters should be reviewed with the appropriate licensed professional.

© 2026 by Aequitas Debt Advisory, a subsidiary of Opulent Intelligence. All rights reserved.

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