Privacy Policy

1. Introduction

DebtVerify ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our debt validation and dispute tools. We understand that the information you share with us is sensitive, and we take our responsibility to protect it seriously.

2. Information We Collect

Information You Provide

• Account Information: Name, email address, phone number, mailing address
• Financial Information: Information about debts you're disputing, including collector names, account numbers, and amounts
• Documents: Collection notices, correspondence, and other documents you upload for analysis
• Payment Information: Credit card or payment details processed through our secure payment provider

Information Collected Automatically

• Device Information: IP address, browser type, operating system
• Usage Data: Pages visited, features used, time spent on the Service
• Cookies: Session cookies and persistent cookies for functionality and analytics

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our Services
• Process your dispute documents and generate validation letters
• Track deadlines and send you important reminders
• Process payments and prevent fraud
• Communicate with you about your account and our Services
• Analyze usage patterns to improve user experience
• Comply with legal obligations

4. Data Security

We employ technical and organizational security measures including:

• End-to-end encryption for data transmission
• Encrypted storage for sensitive documents
• Access controls and authentication requirements
• Regular security assessments and penetration testing
• Employee training on data protection practices

5. Information Sharing

We do not sell your personal information. We may share your information only in the following circumstances:

• Service Providers: Third parties who assist in providing our Services (payment processors, mail delivery services)
• Legal Requirements: When required by law, subpoena, or court order
• Your Direction: When you explicitly authorize us to share information (e.g., sending letters to collectors)
• Business Transfers: In connection with a merger, acquisition, or sale of assets

6. Your Rights

You have the right to:

• Access: Request a copy of the personal information we hold about you
• Correction: Request correction of inaccurate personal information
• Deletion: Request deletion of your personal information (subject to legal retention requirements)
• Portability: Receive your data in a portable format
• Opt-out: Unsubscribe from marketing communications

To exercise these rights, please contact us at privacy@debtverify.com.

7. Data Retention

We retain your information for as long as your account is active or as needed to provide you Services. We may retain certain information as required by law or for legitimate business purposes, such as resolving disputes and enforcing our agreements. Documents stored in your Evidence Vault are retained until you delete them or close your account.

8. Cookies and Tracking

We use cookies and similar technologies to:

• Keep you logged in to your account
• Remember your preferences
• Analyze how our Service is used
• Prevent fraud and enhance security

You can control cookies through your browser settings, though some features may not function properly if cookies are disabled.

9. Children's Privacy

Our Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If we learn we have collected information from a child under 18, we will delete that information promptly.

10. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt-out of the sale of personal information. We do not sell personal information.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on this page and updating the "Last updated" date. We encourage you to review this Privacy Policy periodically.

12. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact us: