Privacy Policy

Effective date May 2, 2022 at 2:06pm EST.

Parallel Focus LLC (“us”, “we”, “our” or “the company”) is an Arizona limited liability company based in the United States. We are committed to respecting your privacy and abiding by United States privacy laws.

This privacy policy applies to you as a visitor to (“the site”, “this site”, “our site”, or “Website”), users of the apps named Pay Off Debt by Jackie Beck (“the app”, “the apps”, or “our apps”), members of our Destination Debt Freedom email course (“DDF”), and participants in our Facebook group. This site is not intended to market our products or services to the European Economic Area.

The purpose of this privacy policy is to tell you what personally identifiable information we may collect 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, do not interact with us on social media or in our Facebook group, and do not join DDF. 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, and will be updated at least annually. The last update to this privacy policy was May 2, 2022 at 2:06pm EST.

If you agree with the terms of this privacy policy, please review the terms 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 DDF.

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. Categories.
The categories of information we automatically collect if you visit the site are: identifiers, internet or other electronic network activity information, and geolocation data. Descriptions of how we use the information we automatically collect are in sections 8b through 8f.

b. Site visits.
Data is automatically collected by us and WPopt (“our host”) and saved to log files 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, the hostname you used to visit the site, the likely city and country your site traffic came from, and any username you try to or successfully access this site with. 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, then your IP address could be used to identify you personally. We use these log files if we are trying to resolve a problem or update this privacy policy, and they are automatically used to help block spam visits.

c. Cookies.
We 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. You can disable cookies or clear recent cookies in your browser if desired. We 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), to track a purchase you may make via one of our affiliates, and/or to monitor and allow or block access to the site in order to prevent spam, unauthorized logins, malware, and denial-of-service attacks.

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

e. Facebook Pixel.
Like so many other sites, we may 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.

f. Google Analytics.
Like so many other sites, 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 sites, keywords used to discover or access this site, and user actions on this site. This helps us understand this site’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. Categories.
In some cases we may collect additional categories of information relevant to those instances. The categories of information we may collect in those cases include: identifiers, internet or other electronic network activity information, and geolocation data. Descriptions of those cases and how we use the information you may voluntarily submit are in sections 9b through 9g.

b. 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.

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 ask to be added by filling out a form on this site or within the app, if you join DDF, or if you ask to be added by any other means.

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, “Tips”) 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 DDF, we will also add the first and last name you provide. If you were not already on our list before joining DDF, 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, and to send you the emails you requested.

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: are subscribed to more than one list, choose to resubscribe at any point, or email us asking for support.

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 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, we may just read it, or it may automatically be sent to spam. In rare circumstances, we may forward your email to the authorities if we feel the situation is warranted.

e. If you interact with us on social media or join our Facebook group.
If you interact with us on any form of social media or join our Facebook group, we and members of the public will be able to see any information that is available about you and shared by you based on how you have set your social media privacy settings. We and any other visitors to the social media sites may also see your comments, likes, and reactions. Review the individual social media privacy settings and controls regularly to make sure you understand them.

If you join our Facebook group, other members of the group 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. Our open-to-the-public Facebook group is set to closed. You can learn more about using Facebook’s privacy settings here. 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 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 your 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 in the cloud 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.

g. Sensitive personal information.
At no time should you submit sensitive personal information to us, the site, the app, social media, the Facebook group, or DDF 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 DDF. 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.

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
Facebook – to advertise our products, services, and articles, to provide information and interaction on our Facebook pages and Facebook groups
Google – to use the Google Analytics, Google Tag Manager, Google Docs, G Suite email services, domain, and webmaster tools
Mediavine – to serve ads on our site
Microsoft App Center – to track bugs and analytics in the app
PayPal – to process some payments for products or services and to pay our affiliates
Grow – to share our articles on social media, and to allow others to easily share our articles on social media sites.
Wordfence – to monitor and allow or block access to the site in order to prevent spam, unauthorized logins, malware, and denial-of-service attacks
WPopt – to host our site and site email addresses
YouTube – to host and display videos

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 potentially be of a threatening nature to others or yourself. For example, if you say something of 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, 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 part of our company assets, if we go bankrupt, or if the company or 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.
This site participates in multiple affiliate programs and engages in affiliate marketing for a variety of other products and services that we believe in. For example, as an Amazon Associate Parallel Focus LLC earns from qualifying purchases.

If you click on an affiliate link, usually a cookie will be placed on your browser to track any visits and sales to the products and services being marketed for purposes of commissions.

As part of the affiliate programs we use, we post customized links that are provided by the affiliate programs on this site and in some of our emails. Pages or emails that include affiliate links are clearly identified as doing so. When you click on an affiliate link, typically cookies are used to track the referrals and sales.

You can view our affiliate policy here.

We comply with FTC rules regarding affiliate links.

b. Mediavine Programmatic Advertising (Ver 1.0)

The Website works with Mediavine to manage third-party interest-based advertising appearing on the Website. Mediavine serves content and advertisements when you visit the Website, which may use first and third-party cookies. A cookie is a small text file which is sent to your computer or mobile device (referred to in this policy as a “device”) by the web server so that a website can remember some information about your browsing activity on the Website.

First party cookies are created by the website that you are visiting. A third-party cookie is frequently used in behavioral advertising and analytics and is created by a domain other than the website you are visiting. Third-party cookies, tags, pixels, beacons and other similar technologies (collectively, “Tags”) may be placed on the Website to monitor interaction with advertising content and to target and optimize advertising. Each internet browser has functionality so that you can block both first and third-party cookies and clear your browser’s cache. The “help” feature of the menu bar on most browsers will tell you how to stop accepting new cookies, how to receive notification of new cookies, how to disable existing cookies and how to clear your browser’s cache. For more information about cookies and how to disable them, you can consult the information at

Without cookies you may not be able to take full advantage of the Website content and features. Please note that rejecting cookies does not mean that you will no longer see ads when you visit our Site. In the event you opt-out, you will still see non-personalized advertisements on the Website.

The Website collects the following data using a cookie when serving personalized ads:

  • IP Address
  • Operating System type
  • Operating System version
  • Device Type
  • Language of the website
  • Web browser type
  • Email (in hashed form)

Mediavine Partners (companies listed below with whom Mediavine shares data) may also use this data to link to other end user information the partner has independently collected to deliver targeted advertisements. Mediavine Partners may also separately collect data about end users from other sources, such as advertising IDs or pixels, and link that data to data collected from Mediavine publishers in order to provide interest-based advertising across your online experience, including devices, browsers and apps. This data includes usage data, cookie information, device information, information about interactions between users and advertisements and websites, geolocation data, traffic data, and information about a visitor’s referral source to a particular website. Mediavine Partners may also create unique IDs to create audience segments, which are used to provide targeted advertising.

If you would like more information about this practice and to know your choices to opt-in or opt-out of this data collection, please visit Opt Out – NAI: Network Advertising Initiative. You may also visit and to learn more information about interest-based advertising. You may download the AppChoices app at | AppChoices to opt out in connection with mobile apps, or use the platform controls on your mobile device to opt out.

For specific information about Mediavine Partners, the data each collects and their data collection and privacy policies, please click here.

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 DDF. These companies use cookies to serve ads based on someone’s past visits to the site.

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.

a. Opt-out.
You may opt out, at any time, of the sale of your personal information. Since we do not sell your personal information except in case of ownership change as noted in section 11c, you would only be opting out of that. You may notify us via email at (preferred) or via the postal service at 1846 E Innovation Park Dr Ste 100, Oro Valley, AZ 85755, Attn: Parallel Focus LLC.

You may automatically opt-out of future email communications by following the unsubscribe links in our emails, you may manually opt-out of future emails by sending email to and asking to be removed from our mailing list(s). The automatic method is fastest.

b. Access/Request Disclosure.
You may access and request disclosure of the personal information we have about you by submitting a verifiable request to You have the right to request, up to twice in a 12-month period:

i. The categories of personal information that we collected about you

ii. the categories of sources from which the personal information was collected

iii. the business or commercial purpose for collecting or selling personal information

iv. the categories of third parties with whom we shares personal information

v. the specific pieces of personal information we collected about you

vi. The categories of personal information we sold about you and the categories of third parties to whom the personal information was sold, by category or categories of personal information for each third party to whom the personal information was sold. Since we do not sell your personal information except in case of ownership change as noted in section 11c, we will disclose that fact again if we receive this request from you.

vii. The categories of personal information that the business disclosed about you for a business purpose.

c. Amend.
You may contact us at (preferred) or at 1846 E Innovation Park Dr Ste 100, Oro Valley, AZ, 85755, Attn: Parallel Focus LLC to amend or update your personal information.

d. Erase/Forget/Delete.
You may request that we erase, forget, or delete your personal information. To do so, please submit a request to (preferred) or to 1846 E Innovation Park Dr Ste 100, Oro Valley, AZ 85755, Attn: Parallel Focus LLC.

Please note that we may need to retain certain information for record-keeping purposes, to complete transactions, or when required by law. Backups of our site’s database are kept for no longer than five years and are stored on encrypted hard drives in locked locations.

In order to meet the requirements of the California Consumer Privacy Act of 2018, we are providing these disclosures:

We have not sold consumers’ personal information in the preceding 12 months.

In the preceding 12 months, we have disclosed identifiers, internet or other electronic network activity information, and geolocation data for business purposes. (For example, email addresses and names were disclosed to our email service provider, Aweber, for the business purpose of sending our emails to consumers who signed up for our emails.)

In the preceding 12 months, we have also disclosed (within user-submitted comments on the site) voluntarily-submitted identifiers to the public for business purposes.

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