The H2H Technologies
H2H Technologies (we, us, H2H Technologies) is committed to protecting your privacy. It is critical that all users (you, your) of You-Negotiate ( feel confident that their privacy is protected. H2H Technologies will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

1. Information We Collect From You

When you visit H2H Technologies service or utilize You-Negotiate service, we may collect information from you. This information includes but is not limited to: IP Address, your Operating System, pages visited, total time spent on website or specific pages, links that are clicked, and your browser type and version.

2. Furnishers of User Data

In order for the H2H Technologies, You-Negotiate to function for a user (the customer), data must have been furnished to H2H Technologies that contains certain user data. H2H Technologies maintains data for banks, lenders, and debt purchasers (creditors). Data may be furnished directly by your creditor or by a third party collection company authorized by a creditor (Furnishers). H2H Technologies does not own the data furnished to us. H2H Technologies provides Furnishers the minimum type of data required for You-Negotiate to function. The minimum data required for H2H Technologies’s service, You-Negotiate, to function is: user’s name, social security number, address, phone number, original creditor name, current creditor name, account number, reference number, and balance. Furnisher may maintain additional user data. H2H Technologies has no control over what data Furnishers maintain within the You-Negotiate framework and/or to what extent beyond the minimum data requirements Furnisher may maintain within the You-Negotiate framework. H2H Technologies makes no warranty or guarantee as to the accuracy of Furnisher’s data.
In order for a visitor to use You-Negotiate, he/she must first authenticate they are the correct person (the customer) to access the data by providing verification criteria, including but not limited to: the last four digits of his/her social security number along with either the phone number they were contacted at or by entering in the reference number the creditor provided. To utilize the online negotiation tools of You-Negotiate, no additional information is required by the user.
When a user makes an offer within the creditor’s guidelines or accepts a counter offer presented by H2H Technologies on behalf of your creditor, the user will proceed to the payment portal. The user must provide additional information at the payment portal, as is standard in all payment portals. The data you provide will be collected to process your payment. This information may include, but is not limited to: your name, address, email address, phone number, form of payment and information required to process the payment such as: a bank account number and routing number or credit card number, expiration date and SEC code. In some cases, payment information is stored in H2H Technologies’s secure database in order to transmit the information to the creditor or collection company for processing. Such information will never be shared except with your creditor or the collection company and others necessary to complete a transaction. H2H Technologies always keeps all data secure and private unless expressly authorized by you that it may share.

3. Use and Sharing of Data Collected

H2H Technologies may disclose information we collect to non-affiliated third parties that are acting on our behalf, or as permitted or required by law. The information that is collected, used and shared is limited to purposes that intend to improve your experience with H2H Technologies.
H2H Technologies may use and share information as described below:
To inform customers of H2H Technologies (creditors and collection companies) statistic on visitors and users;
Product and software development;
For editorial and feedback purposes;
To analyze user site usage;
To send alerts specific to your creditors and offers they may make;
To deliver to you any administrative notices relating to the use of You-Negotiate;
In response to subpoenas and other legal processes;
For marketing and promotional purposes;
To enforce H2H Technologies’s Terms of Use; and
As otherwise stated in the Privacy Policy.

4. Offers for Third Party Products and Links to Other Websites

H2H Technologies’s site may contain links to independent third party websites and/or offers for services from third parties. If you choose to use any such third party products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and any terms and conditions applicable to such products or services. H2H Technologies is not responsible for the content or privacy policies of other such sites.
H2H Technologies may also have relationships with third parties that provide products or services on H2H Technologies’s site and other related sites. These companies are clearly indicated on our Websites. H2H Technologies’s privacy policy does not apply to services or products offered by any third party. If you decide to request services or products from such companies, you grant H2H Technologies permission to provide these third parties with personal information about you necessary to fulfill or process your request.

5. Emails from H2H Technologies:

Users that provide their email address may occasionally receive emails from H2H Technologies. Users have the option to opt-out of receiving emails from H2H Technologies at any time by emailing If a user has subscribed to a service to receive notification should an additional reduced offer become available, opting out of emails will cancel the subscription and the notification of offer will not be sent. If user chooses to opt out, it is the user’s decision alone; user cannot and will not hold H2H Technologies responsible for any consequences due to opting out of emails.

6. Cookies

H2H Technologies may set and access cookies on your computer to track and store data you have entered while visiting At H2H Technologies, a cookie is used to identify one unique visitor from another visitor. Our cookies are encoded so that only we can understand the data stored in them. All cookies expire and are deleted as soon as the user closes their browser.

7. Security

H2H Technologies uses a number of security measures to protect the security and integrity of your data. Once any personal data comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.
We use encryption methods and authentication processes to maintain your security when you are using Firewall barriers are also used to protect your account and information, from unauthorized access. Our site is tested and monitored regularly to ensure all areas are protected from possible hacking. The H2H Technologies maintains servers in a secure location. Access to our servers requires several levels of authentication.
It is important to understand that while H2H Technologies takes the above precautions to safeguard your information at H2H Technologies, these precautions do not extend to any Third-Party websites you may come across.

8. Public Forums outside H2H Technologies

H2H Technologies may provide users access to submit, post, display, transmit and/or exchange information, ideas, opinions, photographs, images, video, creative works or other information in chat rooms, blogs, or bulletin boards within our sites. You should be aware that any material you submit in the forums can be read, retrieved and used by other users and may be used to send you unwelcomed messages. H2H Technologies is not responsible for the personal information you decide to submit to these forums. These forums may be hosted by H2H Technologies and related entities or by one of our third party service providers on our behalf.

9. Disclosure of your information to protect H2H Technologies's rights or if required by law

Notwithstanding the foregoing, The H2H Technologies reserves the right (and you authorize H2H Technologies) to share or disclose your personal information when H2H Technologies determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
To enforce our rights against a user or in connection with a breach by a user of this Privacy and Security Policy or The H2H Technologies Terms of Use;
To enforce our rights against a data furnisher or in connection with a breach by a furnisher;
To provide user data collected by H2H Technologies to a furnisher;
To prevent prohibited or illegal activities; or
When required by any applicable law, rule regulation, subpoena or other legal process.

10. Our Right to Contact Users

We reserve the right to contact site visitors and users regarding use of You-Negotiate, status, changes to agreements, Privacy Policy, Site Terms of Use or any other policies or agreements relevant to site visitors.

11. Changes to Our Privacy Policy

If we make material changes to H2H Technologies’s Privacy Policy, we will notify you by using one of the following methods at least thirty (30) days prior to the effective date of change: We will post a notice on a webpage within describing the change(s) or we will send you an email notifying you of the change(s).

12. Contact us with questions or concerns

If you have any questions or concerns regarding this Privacy Policy, please send an email to
H2H Technologies
Attn: Compliance
709 Meadowood Drive
Woodland, CA 95695

Frequently Asked Questions

H2H Technologies | YN

YouNegotiate® offers a free service to all consumers in order to resolve debts and pay bills in a single place through a simple process that doesn’t require you to speak to a collection agent or a creditor. We believe in the need to fix the consumer debt problem and that our platform is the solution to help consumers understand their personal debt situation and be able to easily make or change payments at any time.

By accessing and using this page you agree to the Terms and Conditions.