Privacy Policy

Last reviewed on April 25, 2026.

UsBankruptcy.net ("we," "our," "us") publishes general information about U.S. bankruptcy law. This Privacy Policy explains what we collect when you visit the site, how we use it, who we share it with, and the choices you have. It applies to usbankruptcy.net and any subdomain that links to this policy.

1. Information we collect

Information you provide directly

The site does not have user accounts and does not require you to create one to read articles or use the calculators. You may, however, choose to share information with us by:

• Sending email to [email protected] or through our contact page — in which case we receive your email address and whatever you write in the message.
• Entering numbers and selections into our calculators (means test, exemption, Chapter 13 plan, debt-assessment quiz). These inputs are processed in your browser to compute a result. They are not transmitted to our servers and are discarded when you close the page.

Information collected automatically

Like virtually every website, we and our service providers automatically receive certain technical information when you load a page, including:

• IP address (often truncated for analytics)
• Browser type, version, and language
• Operating system and device type
• Pages requested and time of request
• Referring URL, where applicable
• Approximate location inferred from IP address (city or region level)
• Cookies and identifiers, as described in our Cookie Policy

2. How we use information

We use the information described above to:

• Deliver and maintain the site and its calculators
• Reply to questions, corrections, or feedback you send
• Measure traffic, identify pages that need updating, and detect abusive activity
• Show advertising that supports the site, including non-personalized and (where allowed) personalized ads
• Comply with legal obligations and enforce our Terms of Service

We do not sell personal information for money. We do not use your information to make automated decisions that produce legal or similarly significant effects.

3. Cookies and similar technologies

UsBankruptcy.net uses cookies and similar technologies for analytics, advertising, and basic functionality. The full breakdown — including the specific providers, their purposes, and how to opt out — is in our Cookie Policy.

4. Advertising and Google AdSense

This site is supported by display advertising. Pages may show ads served by Google through the Google AdSense program and related ad-tech services, as well as ads from approved third-party advertisers and partners.

• Third-party vendors, including Google, may use cookies to serve ads based on a user's prior visits to this website or other websites.
• Google's use of advertising cookies enables it and its partners to serve ads to users based on their visit to UsBankruptcy.net and other sites on the internet.
• You can opt out of personalized advertising by Google by visiting Google Ads Settings.
• You can opt out of personalized advertising from many third-party vendors at aboutads.info (Digital Advertising Alliance) and YourOnlineChoices (EU/UK).
• For more on how Google uses information from sites and apps that use its services, see policies.google.com/technologies/partner-sites and policies.google.com/technologies/ads.

Even with personalization disabled, ads will still load — they will simply be less tailored to you. Disabling personalization does not increase or decrease the number of ads.

5. Third-party service providers

We rely on a small number of vendors to operate the site. Each receives only the information needed to do its job, under that vendor's terms and privacy policy:

• Google Analytics 4 — traffic analytics. Google Privacy Policy.
• Google AdSense and Google ad-tech — advertising. Google ad policies.
• Hosting and content delivery — to serve the static files that make up the site.
• Email — to receive and respond to messages sent to our contact address.

We do not share your personal information with third parties for their own marketing.

6. Legal disclosures

We may disclose information when we believe in good faith that doing so is required by applicable law, regulation, legal process, or governmental request, or is necessary to protect the rights, property, or safety of UsBankruptcy.net, its readers, or the public.

7. International users and data transfers

UsBankruptcy.net is operated for a U.S. audience and hosted on infrastructure that may process data in the United States and other countries. If you visit from outside the U.S., information about your visit will be transferred to and processed in the U.S. and other jurisdictions whose data-protection laws may differ from those in your home country. By using the site, you consent to that transfer.

8. Your rights (GDPR, UK GDPR, CCPA/CPRA, and similar laws)

Depending on where you live, you may have the following rights with respect to personal information about you:

• Access — request a copy of the personal information we hold about you.
• Correction — ask us to fix inaccurate or incomplete information.
• Deletion — ask us to delete personal information, subject to legal exceptions.
• Restriction or objection — limit certain uses of your information.
• Portability — receive a portable copy of certain information.
• Opt-out of "sale" or "sharing" — California, Colorado, Connecticut, Virginia, Utah, and other state residents may opt out of cross-context behavioral advertising. We honor a Global Privacy Control browser signal as a valid opt-out request.
• Withdraw consent — where processing relies on consent.
• Lodge a complaint — with your local supervisory authority (e.g., a EU data-protection authority) or your state attorney general.

To exercise any of these rights, write to [email protected], or use our contact page. We will respond within the time required by applicable law (typically 30–45 days). We will not discriminate against you for exercising a privacy right.

9. Retention

We keep personal information only as long as we need it for the purpose it was collected, or as required by law:

• Email correspondence — retained for as long as is reasonably necessary to handle the inquiry and follow-up, and then deleted on a rolling basis.
• Analytics data — retained according to our analytics provider's default settings (currently 14 months for event data in Google Analytics 4).
• Server and security logs — retained briefly for fraud and abuse detection.
• Calculator inputs — never stored. They live in your browser only.

10. Security

We use commercially reasonable safeguards — encryption in transit (HTTPS), access controls, and limited collection — to protect the small amount of information we hold. No system is perfectly secure, and we cannot guarantee that information transmitted to or from the site will never be accessed by an unauthorized party.

11. Children

The site is intended for adults. We do not knowingly collect personal information from children under 13 (or under 16 in jurisdictions where that is the relevant threshold). If you believe a child has provided us information, write to [email protected] and we will delete it.

12. Do Not Track

Industry standards have not converged on how websites should respond to a browser "Do Not Track" header, so we do not respond to it specifically. We do honor Global Privacy Control signals where applicable law treats them as opt-out requests.

13. Changes to this policy

We will update this policy when our practices change or when required by law. Material changes will be reflected in the "Last reviewed" date at the top of the page. We encourage you to review the policy periodically.

14. Contact

For privacy questions or to exercise a right described above:

Email: [email protected]
General contact: /contact/