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Life happens, [defaulted] debt happens. Let's give your shopping the power to fix it, quickly + with ease.

have questions?
contact us

1 (866) 585-5390

Want us to
look for your debt?

We have limited space and we can make no promises [but] if we find it + the account is eligible, you could be one of the first 500 to use Restore and say goodbye to the stress of your charged off account.

Want us to
look for your debt?

We have limited space and we can make no promises [but] if we find it + the account is eligible, you could be one of the first 500 to use Restore and say goodbye to the stress of your charged off account.

Thank you!

We will start searching
for your debt and be in
touch with you soon.

Privacy Policy

Restore(TM) & LetsRestore.com Online Privacy Policy
Effective Date: November 1, 2017

This website is provided by JH Essentials, LLC, DBA Restore ("Restore,” "Company," "we," or "us") as a convenience to consumers and is governed by the website Terms of Use. Prior to entering the website, you must confirm that you agree with the terms set forth in this disclosure as well as the Terms of Use.

This Online Privacy Policy describes the types of information Lets Restore may collect from you, or that you may provide when you visit www.letsrestore.com (our "Website") and our practices for collecting, using, maintaining, protecting, and disclosing that information. It also describes the choices available to you regarding our use of your personal information and how you can access and update this information.

PLEASE READ THIS POLICY CAREFULLY TO UNDERSTAND OUR POLICIES AND PRACTICES REGARDING YOUR INFORMATION AND HOW WE MAY TREAT IT. IF YOU DO NOT AGREE WITH OUR POLICIES AND PRACTICES, YOUR CHOICE IS NOT TO USE OUR WEBSITE. BY ACCESSING OR USING THIS WEBSITE, YOU AGREE TO THIS PRIVACY POLICY.

Our full Privacy Policy- which covers both internet and offline information collection, is available here.

This is our Internet-only Privacy Policy
This Policy applies to information we collect on this website; in email, text, and other electronic messages between you and our Website; and through our mobile applications. the policy does not apply to any information collected by us offline or through any other means; or by any third party, including through any application or content that may link to or be accessible from or on the Website.

You are Anonymous until you Register
Visitors to our website remain anonymous unless they register for a service or otherwise elect to disclose their identity to us. We do, however, collect certain limited information about visitors, such as their IP address (a numeric address assigned automatically to computers when they access the Internet). Our website is not directed at individuals under 18 years of age.

COLLECTION OF INFORMATION
We collect nonpublic personal information about you in order to administer our business, process your transactions, understand your needs, and provide you with products and services.

We obtain nonpublic personal information about you from the following sources:
Information (such as your name, social security number, email address, telephone number, username, and password) you provide to us when registering on the website.
Information (such as amount of and parties to transactions) about any transactions with merchants participating in the Lets Restore program that are credited to your Lets Restore account; and Information we receive from other sources (such as any recipient(s) of RestoreBucks that you may designate) in the process of establishing your Restore account.


Web browser cookies. Our Site may use “cookies” to enhance your experience. If cookies are enabled, your web browser places cookies on your computer hard drive for record-keeping purposes and sometimes to track information about the sites you visit. You can set your web browser to refuse cookies, or to alert you when cookies are being sent. If you do not accept cookies, note that some parts of the Site may not function properly

You also may give us permission to access your information in other services. For example, you may login with your Facebook account. This will allow us to obtain information from that account (like your friends or contacts). The information we get from that service often depends on your settings or their privacy policies, so be sure to check what those are.

HOW WE USE YOUR INFORMATION
We use information that we collect about you or that you provide to us, including any personal information:

-to present our site and its contents to you;
-to provide you with information, products or services that you request from us;
-to fulfill any other purpose for which you provide it;
-to provide you with notices about your account/subscription, including expiration and renewal notices;
-to provide you with notices about your account;
-to carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including refunds of RestoreBucks;
-to notify you about changes to our site or any products or services we offer or provide though it;
-to allow you to participate in interactive features on our site;
-to process and deliver contest entries and rewards;
in any other way we may describe when you provide the information; or for any other purpose with your consent.

We Use your Personal Information for Marketing Unless You Opt-out (or live in certain states)
We will likely use your information to contact you about our own goods and services, or share it with our third-party partners so they can contact you about their goods and services, which may be of interest to you. To stop this sharing or marketing, or if you do not want us to use your information in this way, you may opt out by sending us an email at help@letsrestore.com. If you are a resident of California or Vermont, you will by default have opted out of sharing between us and non-affiliates; as explained below, you may opt in.

Information Obtained From Third Parties
If you provide us personal information about others, or if others give us your information, we will only use that information for the specific reason for which it was provided to us. For example, if you enroll in Restore, you will instruct the creditor/account owner to share your personal financial information with Restore to fulfill your request.

Sharing of your Information with Third Parties
We may disclose aggregated and anonymous information about our users and information that does not identify any individual. We do not share your personal information with third parties for the third parties' direct marketing purposes.



We may disclose your personal information as described in this policy:

To contractors, service providers, and other third parties to support our business. These parties are authorized to use your personal information only as necessary to provide these services to us.
To third parties with your prior consent to fulfill the purpose for which you provided it.

As part of a business transfer, if Restore is involved in a merger, acquisition, or sale of all or a portion of its assets, in which case you will be notified via email and/or a prominent notice on our Website of any change in ownership or uses of your personal information as well as any choices you may have regarding your personal information.

As required by law, such as to comply with a subpoena or similar legal process.

When we believe in good faith that disclosure is necessary to protect our rights, protect your safety or the safety of others, investigate fraud, or respond to a government request.

Links to Other Websites:
Our Website includes links to other websites whose privacy practices may differ from those of Lets Restore. If you submit personal information to any of those websites, their privacy policies govern your information. We encourage you to carefully read the privacy policies of any website you visit.

CHOICE/OPT-OUT
As described in this privacy policy, we may use nonpublic personal information about you for certain marketing and promotional activities, including disclosure of such information to non-affiliated third parties. You have the right to opt out of this use and disclosure of nonpublic personal information at any time before or after you submit such information by email at help@letsrestore.com.

If you wish to change your opt-out status, you can do so by email at help@letsrestore.com.

DISCLOSURE OF YOUR INFORMATION
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction.

Under certain circumstances, and subject to our internal policies and practices, we may disclose personal information that we collect or you provide as described in this privacy policy:

-to our subsidiaries and affiliates;
-to contractors, service providers and other third parties we use to support our business and who are bound by contractual obligations --to keep personal information confidential and use it only for the purposes for which we disclose it to them;
-to a buyer or other successor in the event of a merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of Restore’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by Restore about our site users is among the assets transferred;
-to fulfill the purpose for which you provide it;
for any other purpose disclosed by us when you provide the information;
with your consent;
-to comply with any court order, law or legal process, including to respond to any government or regulatory request; or
-to enforce or apply our terms of use and other agreements, including for reversals of RestoreBucks payments, error corrections, or other account inquiries from companies that had a transaction with you;
if we believe disclosure is necessary or appropriate to protect the rights, property, or safety of Restore, our customers, or others. This includes exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction.

ACCESSING AND CORRECTING YOUR INFORMATION
You may send us an email at help@letsrestore.com to request access to, correct, or delete any personal information that you have provided to us.

We do not respond to Do Not Track browser signals.

COMMUNICATIONS FROM OUR WEBSITE
We will occasionally send you information on new products, features, or promotions. Out of respect for your privacy, we present the option not to receive these types of communications. Please see the "Choice and Opt-out" section above. In addition, we may also send you strictly service-related announcements on rare occasions when it is necessary to do so. For instance, if our service is temporarily suspended for maintenance, we might send you an email. Generally, you may not opt-out of these communications, which are not promotional in nature. If you do not wish to receive them, you have the option to deactivate your account.

CONFIDENTIALITY AND SECURITY
We restrict access to nonpublic personally identifiable information about you to those employees determined by Restore to have a need to know the information. We maintain physical, electronic, and procedural safeguards to protect your information from unauthorized access by third parties.

LINKS TO OTHER WEBSITES
Our website may feature links to third party websites that offer goods, services, or information. Some of these sites may appear as windows-within-windows at our website. When you click on one of these links, you will be leaving our site and will no longer be subject to this policy. We are not responsible for the information collection practices of the other websites that you visit and urge you to review their privacy policies before you provide them with any personally identifiable information. Third party sites may collect and use information about you in a way that is different from this policy.

MAINTAINING ACCURATE INFORMATION
We have a process in place that helps us to maintain the accuracy of the personally identifiable information that we collect. Please visit our website at LetsRestore.com to review and correct information about yourself, such as a change in your name or contact information. If you believe that our information is inaccurate or incomplete, you also can contact us at the number or address listed at the end of this document and ask us to correct or update our information. We may not accommodate a request to change information if we believe the change would violate any law or legal requirement or cause the information to be incorrect.

CHILDREN UNDER THE AGE OF 13
Our site is not intended for children under 13 years of age. No one under age 13 may provide any personal information to or on the site. We do not knowingly collect personal information from children under 13. If you are under 13, do not use or provide any information on this site or on or through any of its features, make any purchases through the site, use any of the interactive or public comment features of this site, or provide any information about yourself to us, including your name, address, telephone number, email address or any screen name or user name you may use. If we learn we have collected or received personal information from a child under 13, we will delete that information. If you believe we might have any information from a child under 13, please contact us at help@letsrestore.com.

CHANGES TO THIS POLICY
We may add to, delete from, or otherwise change the terms of this Privacy Policy from time to time by posting a notice of the change (or an amended Privacy Policy) at this website. If required by law, we will send you a notice of the change by a method that we select and that complies with applicable state and federal laws. Such methods could include email, postal mail and/or posting on this website. Your continued use of our website or any service following such notification will constitute evidence of your agreement to the revised Policy.

RETURN POLICY
Lets Restore refunds RestoreBucks that are posted but not forwarded to the designated Recipient. Refunds are reconciled against earned RestoreBucks and are not refunded to the member.

CONTACT US
If you have inquiries or wish to provide feedback about our privacy policy, please contact us at help@letsrestore.com

AGREEMENT TO IDENTIFY CHARGED-OFF ACCOUNTS

About the Restore Program
The Restore(TM) Program is a rewards program offered by JH Essentials LLC, DBA Restore, LLC (“Restore", "we", or "us") that awards its participants (“you”) in non-cash RestoreBucks(TM) for shopping online with Restore(TM) retailers ("Merchants"), (overall, the “Restore Program” or “Program”). We also award RestoreBucks(TM) if you voluntarily participate in Restore’s online surveys, post stories and videos, take online education classes, or take part in other activities of your choice, which Restore may offer from time to time in its sole discretion. Anyone can shop through the Restore(TM) shopping portal (“reStore”); however, the RestoreBucks(TM) you earn can be spent only on charged off credit accounts referred to us by an owner of charged-off consumer debt that has agreed with Restore(TM) to accept RestoreBucks(TM) in lieu of cash payments (“Recipient”), (overall “eligible accounts”). You may designate your RestoreBucks(TM) to your own eligible account, the eligible accounts of family or friends, or donate your RestoreBucks(TM) to eligible accounts of people in need.

RestoreBucks(TM) will accrue in your “Restore Account” and be transferred monthly to Recipients. You must keep your Restore Account active by spending at least $25 per month through the reStore(TM) .


Identifying Charged-off Accounts
In many cases we can, through our affiliate, use an account-holder’s personal information to find certain charged-off credit accounts that may be eligible for the Restore Program. If you wish us to identify any accounts for you, please read and agree to the terms below by clicking the “I agree” button at the bottom of this page.

GENERAL TERMS
You are requesting a transaction involving the use of your personal information to identify and potentially purchase a charged-off consumer debt account (the “transaction”). To initiate this transaction, you must agree to this AGREEMENT TO IDENTIFY CHARGED-OFF ACCOUNTS. Only individuals who are 18 years of age or older can request the transaction. The Restore Program is intended for personal use only; commercial use by commercial customers and others purchasing items for resale are not eligible to participate in the Restore Program. You can only initiate the transaction for an account in your name, or an account for which you are a co-obligor (“your account”).

How the transaction you requested works
To find and acquire the account you identified, we must share your personal information with our affiliate, which will search a database to find your account. If we find your account, we will determine if it is eligible for the Restore Program. If it is eligible, we will use the information you provided to communicate with the current account owner in order to acquire the account for servicing through the Restore Program. We may not succeed in either finding your account, determining that it is eligible, or acquiring it from the current owner. In such an event, the data you provided us will be securely archived and later destroyed.

You permit us to collect and use your personal information
In order to find your charged-off credit accounts, we must collect your first, middle, and last name, the last four digits of your social security number, and your date of birth. We protect this information with physical, contractual, and electronic security. We will share this information to carry out the transaction you requested. The information you provide will not be used for any other purpose, except as described in this Agreement or as you otherwise agree in a separate writing.

Communicating with Others
We share the information that we collect about you and your charged-off accounts. The information shared is information about a debt. You give us permission to communicate about this debt to you or others for the purpose of the transaction you have requested.

Credit Report Information
We may need to access your credit report information to complete the transaction you have requested. You give us permission to procure and use your credit report information in connection with the transaction. When we or our affiliate accesses your credit history, it should not appear in your credit files that the access was for the purpose of seeking credit and thus the inquiry should not affect credit score assessments. Please notify us immediately if you think that is not the case.

What to Know about Talking with Us
Please read our website Privacy Policy. By giving us your personal information, you acknowledge and agree that you have read and understood our Privacy Policy and agree to its terms.

Communicating with You
• We may send communications about this Program to you at any mailing or email address in our records or through our online services such as LetsRestore.com or the Restore(TM) Mobile App.
• When you give us your mobile phone number, we have your permission to contact you at that number about all your Restore(TM) accounts and this transaction
• You agree that we can use text messaging, artificial or prerecorded voice messages and automatic dialing technology for informational and account and transaction service calls, but not for telemarketing or sales calls.
• You agree that we can contact you via companies working on our behalf to service your account and the transaction.
• Message and data rates may apply.
• You agree that Restore(TM) and its third party service providers may listen to and record telephone calls as part of providing you services.

Your Communication Preferences
• You may contact us anytime to change your communication preferences, including the mobile phone and text preferences described above.
• Let us know right away about any changes to your contact information.

Communicating with Us
• All Content (whether private or public) that is Processed on the Site is the sole responsibility of the person who submitted it. Thus, you are responsible for your Content.
• You may contact us for any purpose at the outlets below:

Website:
www.LetsRestore.com/contactus

Snail mail:
JH Essentials, DBA Let’s Restore - Customer Service
2120 University Ave
Suite #431
Berkeley, CA 94704

Email: Help@LetsRestore.com

Telephone: (866) 216-5535

If we Disagree- important things to know.
You and Restore(TM) agree that any claim or dispute at law or equity that has arisen or may arise between us will be resolved in accordance with the provisions set forth in these terms. Please read this section carefully. It affects your rights and will impact how claims you and we have against each other are resolved.

Contact Restore(TM) first. If a dispute arises between you and Restore(TM) , our goal is to address your concerns and, if we are unable to do so to your satisfaction, to provide you with a neutral and cost effective means of resolving the dispute quickly. Disputes between you and Restore(TM) may be reported to Customer Service online at any time, or by phone at the number listed in the Contact Rules section.

Agreement to Arbitrate. You and Restore(TM) each agree that any and all disputes or claims that have arisen or may arise between you and Restore(TM) shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court, if your claims qualify. The Federal Arbitration Act governs the interpretation and enforcement of this Agreement to Arbitrate.

Waiver of Class and Representative Actions and Non-Individualized Relief. YOU AND LET’S RESTORE, LLC AGREE THAT EACH OF US MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE ACTION OR PROCEEDING. UNLESS BOTH YOU AND RESTORE(TM) AGREE OTHERWISE. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S OR PARTY'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CONSOLIDATED, REPRESENTATIVE, OR CLASS PROCEEDING. ALSO, THE ARBITRATOR MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM(S). ANY RELIEF AWARDED CANNOT AFFECT OTHER RESTORE(TM) USERS.

Arbitration Procedures. The arbitration will be conducted by the American Arbitration Association ("AAA") under its rules and procedures, including the AAA's Supplementary Procedures for Consumer-Related Disputes (as applicable), as modified by this Agreement to Arbitrate. The AAA's rules are available at www.adr.org. A form for initiating arbitration proceedings is available on the AAA's website at http://www.adr.org.

The arbitration shall be held in the county in which you reside or at another mutually agreed location. If the value of the relief sought is $10,000 or less, you or Restore(TM) may elect to have the arbitration conducted by telephone or based solely on written submissions, which election shall be binding on you and Restore(TM) subject to the arbitrator's discretion to require an in-person hearing, if the circumstances warrant. Attendance at an in-person hearing may be made by telephone by you and/or Restore(TM) , unless the arbitrator requires otherwise.

The arbitrator will decide the substance of all claims in accordance with the laws of the State of California, including recognized principles of equity, and will honor all claims of privilege recognized by law. The arbitrator shall not be bound by rulings in prior arbitrations involving different Restore(TM) users, but is bound by rulings in prior arbitrations involving the same Restore(TM) user to the extent required by applicable law. The arbitrator's award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.

To send us your Arbitration Claim, mail it to our agent for service of process:

Ct Corporation System (C0168406)
Vivian Imperial
818 W Seventh St. Ste. 930
Los Angeles, Ca 90017

Costs of Arbitration. Payment of all filing, administration, and arbitrator fees will be governed by the AAA's rules, unless otherwise stated in this Agreement to Arbitrate. If the value of the relief sought is $10,000 or less, at your request, Restore(TM) will pay all filling, administration, and arbitrator fees associated with the arbitration. Any request for payment of fees by Restore(TM) should be submitted by mail to the AAA along with your Demand for Arbitration and Restore(TM) will make arrangements to pay all necessary fees directly to the AAA. If the value of the relief sought is more than $10,000 and you are able to demonstrate that the costs of arbitration will be prohibitive as compared to the costs of litigation, Restore(TM) will pay as much of the filing, administration, and arbitrator fees as the arbitrator deems necessary to prevent the arbitration from being cost-prohibitive. In the event the arbitrator determines the claim(s) you assert in the arbitration to be frivolous, you agree to reimburse Restore(TM) for all fees associated with the arbitration paid by Restore(TM) on your behalf that you otherwise would be obligated to pay under the AAA's rules.

1 Year to file Claims
Any claims arising in connection with the use of the Program must be brought within one (1) year of the date of the event giving rise to such action.

Legal Stuff
We don’t issue credit, collect debt, or repair credit histories
Let’s Restore, LLC is a marketing company. We do not provide credit repair service or advice. We do not guarantee that participating in our Program will affect your credit history or credit score. We do not charge consumers fees for services. We do not take or collect payments from consumers. We do not negotiate debt settlements on behalf of individual consumer accounts. We do not purchase or own debt. We do not ask that you contact the owner of your debt. We may provide you information about how to contact the owner of your past due account, but we will do so only passively or upon your request. The only currency that Restore(TM) transfers between consumers and Recipients is RestoreBucks, which is a wholly proprietary shopping rewards system. Restore(TM) does not furnish credit information to credit reporting agencies and is not a credit repair organization as defined under the Credit Repair Organizations Act or any other federal or state law.


No activity, notice, disclosure, or best practice that Restore(TM) employs shall make, shall be deemed or understood to make, or be an admission to being a covered person under any of the following federal laws or their state law equivalents: Fair Debt Collection Practices Act, Credit Repair Organizations Act, or the debt settlement relief service providers provisions of the Telemarking Sales Rule.


Your Agreement is Binding
By selecting “Accept” you you are placing an electronic signature on this contract and acknowledging that you have read and understand its terms. Your electronic signature has the same effect as if you’d signed your name on a paper saying that you agree with these Terms of Use. By using the Let’s Restore website, participating in the Restore Program, or shopping through the reStore shopping portal, you are ratifying your agreement to abide by these Terms of Use. If you believe you clicked “I agree” in error and have not ratified your agreement, you can rescind your agreement to these Terms of Use by contacting us at the addresses and numbers listed above.