Debt Settlement Solutions LLC. PRIVACY POLICY AND TERMS OF USE

September 24, 2009

Our Commitment to Privacy

Debt Settlement Solutions LLC’s Privacy Policy was developed as an extension of our commitment to combine quality products and services with integrity in dealing with our customers. The Policy is designed to assist you (each account holder on a joint-account) in understanding how we collect, use and safeguard the personal information you provide to us and to assist you in making informed decisions when using our site and our products and services. When we refer to “Non-Affiliated Third Parties”, this means different companies who are not in any way legally related to Debt Settlement Solutions, LLC.

If permitted by the laws of the state in which you reside, the initial business (“Marketing Representatives”) that contacts you and you provide with your public (name, address, phone, email) and non-public (social security number, bank account, credit card and other account) information to may be a Non-Affiliated Third Party that Debt Settlement Solutions has contracted with to market our debt settlement services to consumers. If so, we have given Marketing Representatives a license that allows them to use our name in referring to our services, the Marketing Representative is not an employee of Debt Settlement Solutions, and the Marketing Representatives are Non-Affiliated Third Parties – in other words, they are not part of our business and you do not have a continuing relationship with them after you enroll. Where legally permitted, upon provision of your information to Marketing Representatives, you consent to the Marketing Representative sharing all information you provided them with Debt Settlement Solutions for confirmation that your qualify for our services, so that we may perform services for you, and so that you can become a customer of Debt Settlement Solutions.

For joint-accounts, each account holder must provide his/her information. If our services apply to joint-consumer information, then this policy applies to both people, and either person may opt out on behalf of one or both.

Alternatively, if required by the state where you reside, Debt Settlement Solutions employees will collect public and non-public information directly from you and your relationship with be directly with Debt Settlement Solutions for the entire time you participate in Debt Settlement Solutions’s program.

Consent To Receive Electronic Records

By submitting a request for information to us and/or Marketing Representatives, you consent to receive information in electronic format until termination of services unless you request paper format. You may withdraw your consent to receive electronic records and receive a paper version of any document by printing it or by mailing a request with your name and address and sending it to the address set forth below. You should print and retain copies of all policies, agreements and other information for your files and later reference. You will need access to a computer with browser, Internet access and an email account to receive electronic records. You may also need Acrobat Reader which is available for free from http://get.adobe.com/reader/. Electronic records may include information about settlements, agreements, questions, policies or services. We never request social security number, credit card, bank account information or the like via email, so never respond to email solicitations for sensitive information from any source. You can help to maintain the security of your online transactions by not sharing your personal information, login or password with anyone.

Persons Under 18 or Non US Residents May Not Participate in Debt Settlement Solutions’s Program

You must be over 18 and a legal U.S. resident to participate in Debt Settlement Solutions’s program. Neither Debt Settlement Solutions, nor our Marketing Representatives, knowingly market our services or solicit information from minors.

California Consumer Rights

If you are a California resident, you have the right to receive: a) information identifying any third party parties to whom we may have disclosed, within the past calendar year, personal information pertaining to you and your family for Debt Settlement Solutions’s direct marketing purposes; and b) a description of the categories of personal information disclosed. To obtain such information you must make a request in writing. Your request must include your name, address, email address and the site URL you visited and a return address or it will not be processed. We will not honor such requests more than once per calendar year. Requests made via email will not be accepted. Please contact us at the above address in writing. In accordance with Cal. Civ. Code Sec. 1789.3, California resident users are entitled to know that they may file grievances and complaints at California Department of Consumer Affairs, 400 R Street, STE 1080, Sacramento, CA 95814; or by phone at 916-445-1254 or 800-952-5210; or by email to dca@dca.ca.gov.

What Information Do We Collect?

When you visit our site you may provide us with two types of information: public (address, phone, email) and non-public information you actively choose to disclose ("Active Information") and information collected, in a way not visible to you, on an aggregate anonymous basis as you and others browse our site ("Passive Information").

Active Information Collected

We acquire information about you from the following sources:

Public and non-public Active Information that you provide to our Marketing Representatives in order to request services regarding your debt; and

Information about your transactions with us, Marketing Representatives, or others.

Passive Information Collected

Cookies are a feature of web browser (Internet Explorer, FireFox, etc.) software that allows web servers to recognize the computer used to access a site. They are small pieces of data that are stored by a user's web browser on one site to simplify subsequent interactions with that site by the same user or to use the information to streamline the user's transaction on related web pages. This makes it easier for a user to move from site to site and to complete transactions over the Internet. Cookies should make your online experience easier and more personalized. Our site utilizes cookies to collect information about how our site is used. Passive Information gathered may include the date and time of visits, the site pages viewed, time spent at our site, the sites visited just before and just after our site. If you do not wish to transmit "cookie" information about yourself, you may turn off the cookie function in your web browser; please consult the "Help" section of your browser to correctly do so. Our site's servers also automatically identify and save your computer by its Internet Protocol address which is a unique string of numbers that is assigned to your computer by your Internet Service Provider. If you do not use a website to enroll, we do not gather Passive Information.

How Do We Use the Information Collected?

We may share Active Information with companies that perform services for us in the ordinary course of business, that service or process products or services you request, that maintain or service your account and Marketing Representatives.

As permitted by law, we may share your public and/or non-public Active Information with:

Non-Affiliated Third Party financial service providers, such as with your creditors to negotiate settlement of our customers’ debts (according to their written instruction) and with parties that provide essential services as part of our program, such as parties that facilitate electronic fund transfers; and

Non-Affiliated Third Party non-financial service providers, unless prohibited by law, such as

• (a) Marketing Representatives and companies that provide essential services such as, customer or technology services; and
• (b) companies that help us improve our products or services, direct marketers, parties that may market new products or services on our behalf

We may use and share Active and/or Passive information for the following purposes including, among others:

to protect the confidentiality or security of your records pertaining to the consumer, service, product, or transactions;

to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability;

for risk control or for resolving consumer disputes or inquiries;

to persons designated in writing by you as acting in a fiduciary or representative capacity on your behalf (lawyer, etc.);

to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 (12 U.S.C. 3401 et seq. ), to law enforcement agencies (including a federal functional regulator, the Secretary of the Treasury, with respect to 31 U.S.C. Chapter 53, Subchapter II (Records and Reports on Monetary Instruments and Transactions) and 12 U.S.C. Chapter 21 (Financial Recordkeeping), a State insurance authority, with respect to any person domiciled in that insurance authority's State that is engaged in providing insurance, and the Federal Trade Commission), self-regulatory organizations, or for an investigation on a matter related to public safety;

in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit;

to comply with Federal, State, or local laws, rules and other applicable legal requirements;

to comply with a properly authorized civil, criminal, or regulatory investigation, or subpoena or summons by Federal, State, local authorities or litigation by or against us;

to respond to judicial process or government regulatory authorities having jurisdiction over you for examination, compliance, or other purposes as authorized by law; and/or

to financial auditors.

We use Passive Information to gather information about our customers and to enhance and design our site to make it easier, faster and friendlier to use. Additionally, cookies help us know information about how many people visit our site, when they visit and how they use our service. Passive Information may result in your viewing of particular advertising based on your user habits for your viewing on our site and a shopping experience customized to you in content, services and goods. Your IP address may be used to address problems with our server or administer our site, to confirm that you have agreed to the terms of our service agreement or received notifications, or to gather broad demographic information about our customers. We may also share anonymous, combined statistical data with others. For example, we may disclose that a specific percentage of our users are between the ages of 25 and 35.

How Can You Choose Not to Permit Sharing of Certain Information, Receive Information from Us or to Correct, Delete or Access Your Information

We may use your Active Information to contact you via phone, email or mail. When you request that we perform services on your behalf that allows us to contact you by phone, email or mail. However, if you wish to opt out of any form of contact or have a preference for how we contact you, please let us know.

If you do not want us to share non-public Active Information (or certain pieces of information you designate) with companies that help us improve our products or services, direct marketers, or parties that may market new products or services on our behalf; or

If you do not want Debt Settlement Solutions to contact you regarding new products or services we think may interest you, if you have questions about this Policy, or if you wish to access, delete or correct your information, please contact us at:

Debt Settlement Solutions LLC
Attn: President
5000 Atrium Way, Suite 5
Mt. Laurel, NJ 08054
Phone: 1-877-644-4210
Email: info@1stamericands.com

We will comply with your request as soon as reasonably practicable after we receive it in

How Do We Secure Active Information and Passive Information?

We restrict access to Active Information about you to those employees who need to know that information to provide services for you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard such information.

After information reaches Debt Settlement Solutions, it is stored on a secure server that resides behind firewalls designed to block unauthorized outside access. Remember, no method of transmission -- by mail, over the Internet, or other method of transmission is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee absolute security.

TERMS OF USE

License To Use This Site

Your use of this site indicates your agreement to these terms. Debt Settlement Solutions hereby grants you a non-exclusive, non-transferable limited license to use this site in strict accordance with the terms and conditions in this Policy and as permitted via instructions on this site. You agree not to make any false or fraudulent statements in your use of or to gain access to this site. You acknowledge and agree that all content and services available on this site are property of the Debt Settlement Solutions and licensors and are protected by copyrights, moral rights, trademarks, service marks, patents, trade secrets, and other proprietary rights and laws, in the U.S. and internationally. All rights not expressly granted herein are fully reserved by the Debt Settlement Solutions and its licensors.

License Restrictions

Use

You agree not to make any false or fraudulent statements in your use of or to gain access to this site or during your use of this site. Except as may be explicitly permitted through this site, you agree not to save, download, cut and paste, sell, license, rent, lease, modify, distribute, copy, reproduce, transmit, publicly display, publicly perform, publish, adapt, edit, or create derivative works from materials, code or content on or from this site or that is property of Debt Settlement Solutions. Systematic retrieval of data or other content from this site or the site of any party offering materials through this site to create or compile, directly or indirectly, a collection, compilation, database or directory without written permission from the Debt Settlement Solutions is prohibited. In addition, use of the content or materials for any purpose not expressly permitted is prohibited.

Security

You agree to use your best efforts to prevent access to this site through your Login and Password by anyone other than yourself, including but not limited to, keeping such information strictly confidential, notifying the Debt Settlement Solutions immediately if you discover loss or access to such information by another party not under your control and supervision, and by using a Login and Password not easily guessed by a third party.

You agree that you shall not try to reverse engineer, reverse assemble, reverse compile, decompile, disassemble, translate or otherwise alter, defraud or create false results from any executable code, contents or materials on or received via this site or any advertiser's site. You understand that such actions are likely to subject you to serious civil and criminal legal penalties and that the Debt Settlement Solutions shall pursue such penalties to the full extent of the law to protect its rights and the rights of its other licensors.

Third Party Sites

You may be transferred to third party sites through links or frames from this site. You are cautioned to read such sites' Terms and Conditions and/or Privacy Policies before using such sites in order to be aware of the terms and conditions of your use of such sites. You acknowledge that Debt Settlement Solutions is not responsible for the accuracy, copyright compliance, legality, decency, or any other aspect of the contents, products, services or any transmissions received through such sites. The inclusion of such a link or frame does not imply endorsement of this site by Debt Settlement Solutions, Marketing Representatives or licensors, any association with its operators and is provided solely for your convenience. You agree that Debt Settlement Solutions and its licensors have no liability whatsoever from such third party sites and your usage of them. If you wish to suspend email from such sites, you must contact them directly.

TRADEMARKS

Debt Settlement Solutions’s services referenced on this site are common law or registered service marks of Debt Settlement Solutions. Any use of such marks by Marketing Representative is via license from Debt Settlement Solutions. You agree never to use such without express written permission of Debt Settlement Solutions.

Miscellaneous

This site (excluding third party linked sites) is controlled by Debt Settlement Solutions from its offices within the State of Florida, U.S. of America. It can be accessed from all 50 states as well as from other countries around the world to the extent permitted by site. As each of these places has laws that may differ from Florida, by accessing this site, both you and Debt Settlement Solutions agree that the statues and laws of Florida shall apply to any actions or claims arising out of or in relation to this Policy or your use of this site, without regard to conflicts of laws principles thereof. You and Debt Settlement Solutions also agree and hereby submit to the filing of any claim only in the exclusive personal jurisdiction and venue of Broward County, FL and any legal proceedings shall be conducted in English. Debt Settlement Solutions makes no representation that materials on this site are appropriate or available for use in other locations, and accessing them from territories where their contents are illegal is prohibited. This policy shall not be governed by the United Nations Convention on Contracts for the Sale of Goods. This policy constitutes the entire agreement between the parties related to the subject matter thereof, supersedes any prior or contemporaneous (oral, written or electronic) agreement between the parties and shall not be changed except by written agreement signed by an officer of Debt Settlement Solutions. If any provision of this policy is prohibited by law or held to be unenforceable, the remaining provisions hereof shall not be affected, and this policy as much as possible under applicable law shall continue in full force and effect as if such unenforceable provision had never constituted a part hereof and the unenforceable provision shall be automatically amended so as to best accomplish the objectives of such unenforceable provision within the limits of applicable law. Debt Settlement Solutions may assign this Policy. You shall not assign or transfer this Policy and any such transfer shall be void.

WE RESERVE THE RIGHT TO MAKE CHANGES TO THIS POLICY BY PROVIDING A REVISED VERSION IN ACCORDANCE WITH THE LAW.

(c) 2009 Debt Settlement Solutions LLC. All rights reserved.