Privacy Policy
Last updated: April 2026
This Privacy Policy explains how this website (the “Site”) collects, uses, shares, and protects personal information. By using the Site you agree to this Privacy Policy.
Affiliate relationship: This Site is operated by
SilverHydrant LLC (“the Operator”), an advertising affiliate of United Debt Settlement, LLC (“United Settlement”). SilverHydrant LLC is
not owned by, employed by, or a subsidiary of United Settlement. When you submit the consultation form, your information is forwarded to United Settlement for debt relief evaluation and follow-up. SilverHydrant LLC may receive compensation from United Settlement in connection with leads it refers. Any such compensation is paid by United Settlement out of its own revenue and
does not change the cost of services to you, the fees you are quoted, or the terms of any debt relief program you enter into. This disclosure is made pursuant to Federal Trade Commission guidelines on endorsements and material connections (16 CFR Part 255).
Once your information is submitted to United Settlement, its handling is governed by their own policies.
Please also review United Settlement’s Privacy Policy: unitedsettlement.com/privacy-policy/.
Service availability: This Site and the underlying debt relief program are intended for residents of the United States only. We do not knowingly accept submissions from residents of the European Union, United Kingdom, European Economic Area, or Switzerland. Visitors from those regions are automatically blocked.
1. Information we collect
When you interact with the Site we may collect:
- Information you give us directly via the consultation form: first name, last name, phone number, email address, date of birth, US state, and estimated debt amount.
- Privacy policy consent and your preferred callback time.
- Automatic information: your IP address, browser type, device type, referring URL, pages viewed, and timestamps.
- Marketing attribution: UTM parameters, Google Click ID (
gclid), Facebook Click ID (fbclid), and sub-ID values passed in the URL.
- Behavioral signals used for bot detection: anonymous counts of mouse movements, keystrokes, scroll events, and time-on-page.
We do not ask for, and do not store, your Social Security Number or financial account numbers on this Site.
2. How we use your information
- To connect you with a United Settlement debt-relief specialist who will follow up with you by phone or email.
- To evaluate whether debt relief services are appropriate for your situation.
- To prevent spam and automated abuse of the consultation form.
- To measure the performance of our advertising campaigns.
- To comply with legal obligations.
3. Who we share your information with
- United Settlement’s intake system — your consultation request is submitted to
unitedsettlement.com so a specialist can call you. Their handling of your data is governed by their own Privacy Policy.
- Advertising partners (Meta / Facebook) — we use the Meta Pixel to measure ad performance. This drops a first-party cookie named
_fbp in your browser and sends event data (page views, form submissions, value of submitted debt amount) to Meta. Under California law (CPRA), this data transfer may be considered “sharing.” See Section 7 for how to opt out.
- Infrastructure providers — our hosting (Railway) and in-memory services process your data in the ordinary course of operating this website.
We do NOT sell your personal information. SilverHydrant LLC does not sell any personal information you submit on this Site to unaffiliated third parties for monetary consideration, and has not done so in the preceding 12 months. Your information is used only to connect you with United Settlement for debt relief evaluation, to measure advertising performance, and to comply with our legal obligations.
4. Cookies and tracking technologies
The Site uses a minimal set of technologies:
_fbp — Meta’s first-party attribution cookie. Expires in 90 days. Used to measure the performance of Meta ads that brought you to the Site.sessionStorage entries used for form state and to remember whether you’ve dismissed the California privacy notice.
We do not use third-party session-replay, heatmap, or behavioral-analytics cookies.
You can disable cookies in your browser settings; doing so will not affect your ability to submit the consultation form.
5. How long we keep your information
We retain your consultation submissions for up to 12 months in our own records for operational purposes (to follow up if initial outreach fails, to answer questions, and to comply with legal retention requirements). After that, records are purged automatically. You can request earlier deletion at any time (see Section 7 and Section 8).
6. How we protect your information
We use HTTPS for all connections to the Site. Lead data is stored on a private volume accessible only by authenticated administrators. Meta Pixel events are sent directly from your browser to Meta’s servers over HTTPS. We implement rate limiting and bot detection to protect the form against automated abuse.
7. California residents — your rights under CPRA / CCPA
If you are a California resident, you have the following rights under the California Privacy Rights Act (CPRA) and the California Consumer Privacy Act (CCPA):
- Right to know — what personal information we collect, the sources, the purposes, and the parties we share it with.
- Right to delete — request deletion of your personal information from our records.
- Right to correct — ask us to correct inaccurate personal information.
- Right to opt out of sharing — tell us not to share your information with advertising partners (Meta) for ad-targeting purposes.
- Right to limit use of sensitive personal information — this Site does not use sensitive personal information for purposes that would trigger this right.
- Right to non-discrimination — we will not deny you services, charge you a different price, or provide a different level of quality if you exercise any of these rights.
How to exercise your rights
We will verify your identity using the information you originally submitted and respond within 45 days. We do not charge a fee to process verifiable consumer requests.
Do Not Sell or Share My Personal Information
To opt out of the sharing of your information with Meta (Facebook) for cross-context behavioral advertising:
- Email us at info@unitedsettlement.com with the subject “Do Not Share — California”, OR
- Enable the Global Privacy Control (GPC) browser signal — we honor it as a valid opt-out.
- Additionally, you can opt out of Meta’s use of your data directly in your Facebook Ad Preferences.
Authorized agents
You may designate an authorized agent to submit a CPRA request on your behalf. The agent must provide signed written permission and we will verify with you directly before processing the request.
Notice of financial incentives
We do not offer financial incentives in exchange for personal information.
8. Consent to be contacted (TCPA disclosure)
By submitting the form on this Site, you expressly consent to be contacted by United Settlement and its authorized partners at the phone number and email address you provide. This may include contact by autodialed or prerecorded calls, text messages, and emails. Standard message and data rates may apply. Consent is not a condition of purchase. You can revoke consent at any time by replying STOP to any text message, clicking unsubscribe in any email, or emailing info@unitedsettlement.com.
9. Children’s privacy
This Site is not directed to children under 18 and we do not knowingly collect personal information from minors. If you believe we may have collected information about a minor, contact us for deletion.
10. Changes to this Privacy Policy
We may update this Privacy Policy from time to time. The “Last updated” date at the top reflects the most recent revision. Material changes will be noted prominently on the Site.
11. Contact
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