Privacy Policy

Introduction

StopDebtCallsNow.com ("we," "us," or "our") operates the website https://stopdebtcallsnow.com (the "Site"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site. Please read this Privacy Policy carefully. By using the Site, you agree to the collection and use of information in accordance with this policy.

Information We Collect

Personal Information You Provide

We may collect personal information that you voluntarily provide, including:

• Full name
• Email address
• Phone number
• Details about your debt collection situation

This information is collected only when you submit it through our contact form or other interactive features on the Site.

Automatically Collected Information

When you visit our Site and consent to analytics cookies, we may automatically collect certain information about your device and browsing activity, including:

• IP address (anonymized)
• Browser type and version
• Operating system
• Pages visited and time spent on pages
• Referring website
• Date and time of your visit
• Approximate geographic location (derived from IP address)

Cookies and Tracking Technologies

We use cookies and similar tracking technologies on our Site. Cookies are small data files stored on your device that help us improve our Site and your experience. We do not set any analytics or advertising cookies until you explicitly consent through our cookie consent banner.

Types of Cookies We Use

How to Manage Cookies

You can manage your cookie preferences in the following ways:

• Cookie consent banner: When you first visit our Site, you will see a cookie consent banner allowing you to accept or decline analytics and advertising cookies. You can change your preference at any time by clearing your browser's local storage and revisiting the Site.
• Browser settings: Most web browsers allow you to control cookies through their settings. You can set your browser to block cookies or alert you when a cookie is being sent.
• Google Analytics opt-out: You can opt out of Google Analytics by installing the Google Analytics Opt-out Browser Add-on.
• Google Ads personalization: You can opt out of personalized advertising by visiting Google Ads Settings.

Google Analytics

We use Google Analytics 4 (GA4), a web analytics service provided by Google LLC. Google Analytics uses cookies to analyze how visitors use our Site. The information generated by the cookie about your use of the Site (including your anonymized IP address) is transmitted to and stored by Google on servers in the United States.

We have configured Google Analytics with the following privacy measures:

• IP anonymization is enabled, meaning your full IP address is never stored
• Consent-based loading: Google Analytics scripts are only loaded after you accept cookies through our consent banner
• No data sharing with Google for advertising purposes unless you also consent to advertising cookies

For more information on how Google uses your data, see Google's Privacy Policy and Google Analytics Data Safeguards.

Google Ads and Conversion Tracking

We may use Google Ads to promote our Site. When you interact with our ads and visit our Site, Google may set conversion tracking cookies to help us measure the effectiveness of our advertising. These cookies are only set with your consent.

Google Ads conversion tracking does not personally identify you. For more information, visit Google's Advertising Privacy page.

Consent to Communications (TCPA Disclosure)

By submitting the contact form on this Site, you provide your prior express written consent under the Telephone Consumer Protection Act (TCPA) and applicable state laws to receive phone calls, text messages (SMS/MMS), and emails from StopDebtCallsNow.com at the phone number and email address you provide. This may include communications sent using automated technology or prerecorded messages.

Your consent is not a condition of receiving information or any service. You may revoke your consent at any time by contacting us at info@stopdebtcallsnow.com or by replying STOP to any text message. Standard message and data rates may apply.

How We Use Your Information

We may use the information we collect for the following purposes:

• To respond to your inquiries and provide information about your rights
• To follow up with you regarding your submitted inquiry
• To improve our Site and educational content
• To analyze Site usage and performance (with your consent)
• To measure the effectiveness of our advertising (with your consent)
• To communicate with you about your inquiry (with your consent)
• To protect against spam and fraudulent form submissions
• To comply with legal obligations

How We Share Your Information

We do not sell, rent, or share your personal information with third parties for marketing or any other purposes.

We may disclose your information only in the following limited circumstances:

• Service providers: We share information with third-party service providers who assist us in operating our Site, including Vercel (hosting), Resend (email delivery), and Google (analytics). These providers process data solely on our behalf and are bound by their own privacy policies.
• Legal requirements: We may disclose your information if required by law or in response to valid legal process.

Do Not Sell or Share My Personal Information

Under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA), California residents have the right to opt out of the "sale" or "sharing" of their personal information.

StopDebtCallsNow.com does not sell your personal information. We do not share your personal information for cross-context behavioral advertising purposes.

If you would like to exercise your rights under the CCPA/CPRA or have questions, please contact us at info@stopdebtcallsnow.com.

Your Privacy Rights

California Residents (CCPA/CPRA)

If you are a California resident, you have the right to:

• Right to Know: Request what personal information we have collected, used, disclosed, or sold about you
• Right to Delete: Request deletion of your personal information
• Right to Correct: Request correction of inaccurate personal information
• Right to Opt-Out: Opt out of the sale or sharing of your personal information (we do not sell or share personal data)
• Right to Non-Discrimination: Not be discriminated against for exercising your privacy rights

To submit a request, email us at info@stopdebtcallsnow.com. We will verify your identity and respond within 45 days as required by law.

Nevada Residents

Nevada residents may opt out of the sale of certain personal information. We do not sell personal information as defined under Nevada law.

Virginia, Colorado, Connecticut, and Other State Residents

If you are a resident of a state with a comprehensive privacy law (such as VCDPA, CPA, or CTDPA), you may have similar rights to access, delete, and correct your personal information, and to opt out of targeted advertising. Contact us at info@stopdebtcallsnow.com to exercise your rights.

All Users

Regardless of your location, you may:

• Decline analytics cookies through our consent banner
• Request access to your personal information
• Request correction of inaccurate information
• Request deletion of your information
• Opt out of marketing communications

To exercise any of these rights, please contact us at info@stopdebtcallsnow.com.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your personal information, including encrypted data transmission (HTTPS), server-side access controls, and secure third-party service providers. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain your personal information only as long as necessary to fulfill the purposes for which it was collected, comply with legal obligations, resolve disputes, and enforce agreements. Contact form submissions are retained for up to 24 months unless you request earlier deletion.

International Data Transfers

Our Site is hosted in the United States. If you are accessing the Site from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States. By using the Site, you consent to this transfer.

Children's Privacy

Our Site is not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have inadvertently collected information from a child, please contact us immediately.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The updated version will be indicated by an updated "Last updated" date at the top of this page. We encourage you to review this Privacy Policy periodically. Material changes may be communicated through a notice on our Site.

Contact Us

If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:

Email: info@stopdebtcallsnow.com