Privacy Policy

Effective date April 9, 2019 at 9:08am MST.

Parallel Focus LLC (“us”, “we”, “our” or “the company”) is a United States-based company committed to respecting your privacy and abiding by United States privacy laws. We do not intentionally market our products or services to the European Economic Area.

This privacy policy applies to you as a visitor to (“the site”, “this site”, or “our site”), users of the iOS and Android apps named Pay Off Debt by Jackie Beck (“the app”, “the apps”, or “our apps”), and members of our Destination Debt Freedom program (“our program”).

The purpose of this privacy policy is to tell you what personally identifiable information we may collect when you visit the site, use the apps, or join our program, and how that personally identifiable information may be used.

We have tried to be very thorough and to use easy-to-understand words in this privacy policy that are also clear. That’s why this privacy policy is long, even though we use ordinary and normal practices that are similar to many other companies.

If you do not understand this privacy policy and its possible impact, either speak with a lawyer to be sure you understand first, or do not visit or read the contents of, do not sign up for any of our email lists, do not use the apps, and do not join our program. Note that bold text and all caps are for readability purposes only within this privacy policy.

This privacy policy can be changed at any time without notice. The last update to this privacy policy was April 9, 2019 at 9:08am MST.

If you agree with the terms of this privacy policy, please review them regularly to be sure that you continue to agree and understand.

If you do NOT agree with the terms of this privacy policy after reading it, do not further visit or read the contents of, do not use the apps, and do not join our program.

We provide links on this site and in this privacy policy to some third party websites. This is for your convenience or to point out additional information. Linked sites have their own separate privacy policies, which we recommend you read carefully. We have no responsibility or liability for the actions or inactions of these linked sites. While we strive to include valid links, we can’t guarantee they will always continue to work.


a. WPopt
We host this site using WPopt (“our host”). Data is automatically collected and saved to log files by our host when you visit this site. The information collected in the log files includes the IP address you visited the site from, the dates and times you visited the site, the page(s) you visited, browser type, and operating systems you used to visit the site. While this is not the case for most people, if you use a dedicated IP address from your internet service provider, and you are the only person that uses that IP address, and you also visit the site from that IP address, your IP address could be used to identify you personally. We don’t generally view log files collected by our host unless we are trying to resolve a problem or update this privacy policy.

b. Cookies.
We may log information using cookies, which are small data files stored on your browser by the site. We may use both session cookies, which expire when you close your browser, and persistent cookies, which stay on your browser until they are either deleted or expire at future date. We may use cookies in order to personalize or improve your experience during your visit to this site (for example, whether or not to show you a form or advertisement) and/or to track a purchase you may make via one of our affiliates. You can disable cookies or clear recent cookies in your browser if desired.

c. Do not track signals.
We do not respond to or honor “do not track” signals sent by web browsers or other third party sources.

d. Facebook Pixel
Like so many other websites, we use Facebook’s Pixel (“the pixel”) to collect data that can help us more effectively advertise using Facebook and/or Instagram and track conversions. However, we do not use the pixel on this privacy policy page. You can read more about the pixel’s capabilities by clicking here. If you want to delete or change information about you that Facebook has collected, see Facebook’s Data and Cookie policies. You do not need to have a Facebook account to read them. If you want to control your Facebook ad preferences, go here. If you want to opt-out of Facebook’s use of cookies to customize ads in your browser, go to the Digital Advertising Alliance’s Your Ad Choices page and follow their instructions after scrolling to Facebook.

e. Google Analytics
Like so many other websites, we use the Google Analytics service to receive anonymous aggregate data about our site’s visitors. Google Analytics tracks site usage and allows us to view information such as referring websites, keywords used to discover or access this site, and user actions on this site. This helps us understand our website’s traffic and improve our marketing and writing efforts so that we can hopefully reach more people. To help safeguard your privacy, we have IP Anonymization set up so that your IP address is made anonymous as soon as technically feasible at the earliest possible stage, and so that your full IP address is never written to disk at Google. Effective May 25, 2018, the user and event data retention period for this site is set to 14 months (the shortest possible option at this time) and it resets on new activity. If you want to opt out of Google Analytics tracking, you can install the Google Analytics opt-out browser add-on for the browsers that you use.


a. If you comment on the site.
We often allow comments on this site. If you choose to leave a comment, we will collect the following types of data: the comment itself (which includes any information you choose to share), your name or pseudonym, your email address, and a website address if you choose to share that address. If your comment is approved (either automatically or manually) your comment, name or pseudonym, and website address will be publicly displayed on the associated post. If your comment is approved or waiting for moderation, your email address will be visible to users with Administrator access to this site. All of the information you share, including your email address, will be stored in the site’s database in regular plain text form unless you request that it be removed. If your comment is not approved, all of the information you shared, including your email address, will be temporarily stored in the site’s database in plain text form for a maximum of two months, after which it will be deleted from the site’s database. We may email you in response to a comment on the site. We may also publicly reply to your comments on the site, and members of the public may publicly reply to them too.

b. If you email us.
If you email us, we will have any information you choose to share in that email, including your email address and any information generated by email service providers along the way. Email is not secure, and that information will also be visible in plain text to anyone who is able to access that email. We may reply to your email. In rare circumstances, we may forward your email to the authorities if we feel the situation is warranted.

c. If you join our email list(s).
We use Aweber to host and manage our email lists. You may be added to our email list(s) if: you asked to be added by filling out a form, you asked to be added on Facebook, you asked to be added via email, or you have signed up for our program. The following information is automatically collected by Aweber in those cases: your email address, the date and time you were added to the list, the address of the page on our site where you signed up for the list or the method used to gain permission, the nickname of the form (for example, “budgeting”) that you used to sign up if applicable, the IP address and country you used to sign up from, and sometimes additional geolocation information. While we would prefer not to collect additional geolocation information beyond the region/state, at this time are unable to turn it off. Aweber also automatically keeps track of the date and time the last followup email was sent to you.

If you are added to our email list because you joined our program, we will also add the first and last name you provided. If you were not already on our list before joining our program, the geolocation information collected by Aweber will be our location instead of yours.

We collect this information in order to make sure we are complying with anti-spam laws, to pay appropriate transaction privilege taxes if applicable, to send you the emails you requested, and to interact with you in our program and/or Facebook group(s).

All html emails sent may contain tracking pixels, which is a standard practice enabled by a large number of major email service providers. The pixel is typically a 1×1 image embedded in emails. We may see if and when you open an email and which links within the email you click. This allows us to analyze the success of our past marketing campaigns and improve future campaigns.

If you no longer wish to be on one or more of our email lists, you can automatically unsubscribe at any time from that list by clicking the unsubscribe link in any email from us. If you have unsubscribed from a list, you will immediately stop being sent future emails from that list, and you will no longer get emails from us at all unless you subscribed to more than one list or you choose to resubscribe at any point. The information associated with your former email subscription will be deleted from the list by us on Aweber on a periodic basis, typically within one week but occasionally within two months after unsubscribing.

d. If you join our program.
If you become a member of our program, we will provide a login to so that you can access the course. Your username is stored in plain text in the site’s database and your password is stored in hashed form in the site’s database. Hashed form means it is not stored in regular text but is instead turned into a form that is difficult to decode. (This is exactly the same way every username and password is stored on this site, including administrators and authors.) If you become a member of our program, we will also add you to our program’s secret Facebook group. We may interact with you in the Facebook group or send you additional emails related to the program. (For example, a reminder to do your monthly check-in.) As a part of the monthly check in process, you may voluntarily provide any information you choose, including information about your debt progress. Do not include any account numbers or social security numbers. Your monthly check-in information is stored using Google Docs. If you choose to submit the amount of debt you have repaid, we may share that data in aggregate form only for the purposes of advertising our program, unless you have given specific written permission otherwise.

e. If you join or use our Facebook group(s).
If you use our Facebook page or have been added to one or more of our Facebook groups (such as by joining our program or requesting to be added to our closed public group), we will be able to see any information that is available about you based on how you have set your Facebook privacy settings, in addition to any information you choose to share within our group(s). Other group members will also be able to see any information you choose to share within those groups and any information that is available about you based on how you have set your Facebook privacy settings. You can learn more about using Facebook’s privacy settings here. Our program’s Facebook group is set to secret, and our open-to-the-public Facebook group is set to closed. You can learn more about privacy settings for Facebook groups and the difference between secret and closed Facebook groups here. While we hope that all group members will keep content that is shared private, we have no control over other people’s behavior. Remember that the Internet is forever, and screenshots are possible. You can leave a Facebook group at any time by clicking Leave Group.

f. If you use our Facebook page(s).
If you comment, like, or otherwise react on our Facebook page(s), we and any other visitors to the page will be able to see any information that is available about you based on how you have set your Facebook privacy settings. We and any other visitors to the page(s) may also see your comments, likes, and reactions. Review Facebook privacy settings and controls regularly to make sure you understand them.

g. If you use the app.
If you have the app and have created a password for it and/or entered data of any other sort into the app (such as your debt information and/or notes), that information is stored on the device(s) you have the app installed on and the devices you backup the app and/or its data to. Please use a password on your device(s), and safely store device serial number(s) in case you need to report a device lost or stolen. If you have chosen to upload data from the apps to the cloud, that data will also be stored there in accordance with Google or Apple’s privacy policies and the policies of the internet provider(s). If you have opted to allow Google or Apple to receive crash logs from the app, those logs may be automatically uploaded to Google or Apple. If you have chosen to email data you had input into the apps to one or more email addresses, that information is now visible in plain text to anyone who is able to access that email. Remember that email is not secure and you should not include account numbers, which you must acknowledge your understanding within the apps prior to using the optional upload feature.

h. Sensitive personal information.
At no time should you submit sensitive personal information to the site, the app, or our program via any method. Sensitive personal information includes your social security number, information regarding race or ethnic origin, political opinions, religious beliefs, health information, criminal background, or trade union memberships.

We currently use the following third-party service providers to service various aspects of the site, the apps, and our program. Each third-party service provider’s use of your personal information is dictated by their respective privacy policies, which you can view on their sites.

Amazon – to potentially earn income via advertising, links to, and books
Apple – to sell the iOS version of the app
AppsFlyer – to track the site names of our affiliates that may refer people to the app, and clicks and purchases of the app from those sites
Aweber – to host our email lists and create email opt-in forms
WPopt – to host our site and site email addresses
Facebook – to advertise our products, services, and articles, to provide information and interaction on our Facebook pages and Facebook groups
Google – to sell the Android version of the app, and to use the Google Analytics, Google Tag Manager, Google Docs, and G Suite email services
LinkedIn – to share articles and provide information about the company
Mediavine – to serve ads on our site
Microsoft App Center – to track bugs and analytics in the app
Social Warfare – to share our articles on social media, and to allow others to easily share our articles on social media site such as Pinterest, Instagram, Facebook, Twitter, Mix, MeWe, etc.
YouTube – to to advertise our products, services, and articles, to host videos, and to interact with videos we find interesting
Stripe – to process some payments for our program
PayPal – to process some payments for our program and to pay our affiliates

We may disclose personally identifiable information under the following circumstances:

a. When required by law.
We will disclose personally identifiable information about you if we have it and if we have a good faith belief that we are required to do so by law.

b. In cases of a life-threatening nature.
We may disclose personally identifiable information about you to law enforcement if we have it and if we have a reasonable belief that an emergency situation exists that we believe could be of a potentially threatening nature to others or yourself. For example, if you say something a potentially threatening nature to others or yourself in an email to us, in a comment on this site (even if it is not published), on our Facebook page or in our Facebook groups, during a 1:1 or group call or video with us, or via any other type of message or conversation, we might believe it is an emergency situation and contact law enforcement.

Currently our suicide prevention article is highly ranked in Google, which increases its visibility. While we are not required to do so and cannot promise to do so, if we reasonably believe that you may be actively feeling suicidal, we may also disclose personally identifiable information about you to Facebook using their suicide prevention tool, if we are reasonably sure we have identified you in a Facebook search. We may also disclose personally identifiable information about you (including that you may be suicidal) to any third party we are reasonably sure knows you. We believe your life has value and that there is a chance your situation could improve, given enough time. If you are feeling suicidal, please tell someone who knows you and contact a professional or helpline that you find via your own research or here. The linked article is not a part of this privacy policy.

c. In case of ownership change.
If we sell all or a large part of our company assets, if we go bankrupt, or if the company or a large part of the company is transferred to someone else through inheritance, we will disclose personally identifiable information to the third parties who require that information so they can continue providing services. You acknowledge that such transfers may occur, and that any acquirer of all or part of the company assets may continue to use your personally identifiable information as set forth in this privacy policy. We will not otherwise sell, give away, or transfer your personally identifiable information except as described previously in sections 11a and 11b.

a. Affiliate program participation.
Parallel Focus LLC is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to As part of the Amazon Associates program, this site will post customized links, provided by Amazon, to track the referrals to their site. Amazon uses cookies to track visits for the purposes of assigning commission on these sales.

We also engage in affiliate marketing for a variety of other products and services that we believe in. This is done by embedding tracking links into the site and emails we send. If you click on an affiliate link, a cookie will be placed on your browser to track any visits and sales for purposes of commissions.

You can view our affiliate policy here.

b. Display ads.
We use Mediavine to serve advertisements when you visit the site, and we may also use other third-party advertising companies to do so as well. For example, you may see images or videos that advertise other company’s products or services on our site. These third-party advertising companies may use cookies to show you advertisements they believe you may be interested in and as noted above. The advertisers themselves may also use cookies or retargeting/remarketing. We do not control which ads you see.

c. Retargeting/remarketing ads.
From time to time, we may engage in retargeting/remarketing efforts with third-party companies, such as Google, Facebook, or Instagram, in order to market the site, the app, and our program. These companies use cookies to serve ads based on someone’s past visits to the site.

Opt-out – You may opt-out of future email communications by following the unsubscribe links in our emails. You may also notify us at to be removed from our mailing list(s).

Access – You may access the personal information we have about you by submitting a request to

Amend – You may contact us at to amend or update your personal information.

Forget – In certain situations, you may request that we erase or forget your personal data. To do so, please submit a request to

Please note that we may need to retain certain information for record-keeping purposes, to complete transactions, or when required by law.

We do not knowingly collect any personally identifiable information from children under the age of 16. If a parent or guardian believes that we have personally identifiable information of a child under the age of 16, please contact us immediately at and we will use our best efforts to promptly remove such information from our records.

You may contact us via email at if you have questions about this privacy policy.