Privacy Policy

Effective Date: January 1, 2026 · Last Updated: January 1, 2026

Debtrex Solutions LLC ("Debtrex," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information you provide when you visit our website or use our services.

1. Information We Collect

Information you provide

• Contact information: name, email address, phone number.
• Financial profile information: debt amount, debt type, employment status, monthly income, payment status, and state of residence.
• Consent records: records of express written consent, including timestamps and the language to which you consented.
• Communications: any messages, recorded calls, or correspondence you exchange with us or our partners.

Information collected automatically

• Device and browser information (user agent, IP address, screen size).
• Referral source and marketing attribution data (UTM parameters, click IDs).
• Usage data (pages visited, time on site, interactions).
• Cookies and similar technologies.

2. How We Use Your Information

We use information you provide to:

• Evaluate your eligibility for debt relief consultations and programs.
• Contact you regarding your inquiry, including by phone, SMS, and email.
• Match you with vetted servicing partners that may offer appropriate programs.
• Improve our website, marketing, and consultation services.
• Comply with legal obligations, including TCPA, CCPA, GDPR (where applicable), and state debt-relief regulations.
• Detect and prevent fraud or abuse.

3. How We Share Information

We may share your information with:

• Servicing and law firm partners: vetted third-party debt relief providers, attorneys, or service partners that may offer programs appropriate to your situation.
• Service providers: vendors that help us operate our business, including CRM, call routing, hosting, analytics, marketing platforms, and compliance providers.
• Legal and regulatory authorities: when required by law, subpoena, or to protect rights and safety.
• Business transfers: in connection with a merger, acquisition, financing, or sale of assets.

We do not sell your personal information for monetary consideration. However, depending on your state of residence, certain marketing-related data sharing may be considered a "sale" or "share" under applicable privacy law (e.g., CCPA). See Section 7 for your rights.

4. TCPA and Consent to Contact

When you submit a form on our website and check the consent box, you provide your express written consent for Debtrex Solutions and its marketing and servicing partners to contact you at the phone number and email you provided — including by means of automatic telephone dialing systems, pre-recorded or artificial voice messages, SMS/text messages, and email — for marketing purposes related to debt relief consultations.

Your consent is not a condition of any purchase. Message and data rates may apply. You may opt out of calls by telling the caller to stop, and opt out of texts by replying STOP. You may unsubscribe from emails by clicking the unsubscribe link in any marketing email or by contacting us directly.

5. Cookies and Tracking

We use cookies, pixels, and similar technologies for functionality, analytics, and advertising attribution. You can control cookies through your browser settings. Disabling cookies may limit functionality.

6. Data Retention

We retain your information for as long as is necessary to provide our services, comply with legal obligations (including TCPA consent record retention requirements), resolve disputes, and enforce our agreements.

7. Your U.S. Privacy Rights

Debtrex Solutions provides services exclusively in the United States. Depending on your state of residence — including California (CCPA/CPRA), Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), Texas (TDPSA), Oregon, Montana, Delaware, New Hampshire, New Jersey, Iowa, Tennessee, Indiana, Minnesota, Maryland, and others — you may have the right to:

• Right to Know / Access: Confirm whether we process your personal information and obtain a copy of the categories and specific pieces of personal information we hold about you.
• Right to Correct: Request that we correct inaccurate personal information.
• Right to Delete: Request deletion of personal information we have collected about you, subject to certain exceptions.
• Right to Opt Out of Sale or Sharing: Opt out of the "sale" or "sharing" of personal information for cross-context behavioral advertising. We honor the Global Privacy Control (GPC) signal as a valid opt-out request.
• Right to Limit Use of Sensitive Personal Information: Limit our use of certain sensitive categories of personal information.
• Right to Non-Discrimination: Not receive discriminatory treatment for exercising your privacy rights.
• Right to Appeal: If we deny a request, residents of certain states may appeal our decision.
• Right to Withdraw Consent: Withdraw consent to be contacted by phone, SMS, or email at any time.

How to exercise your rights: Email us at privacy@debtrexsolutions.com or use the in-page links below. We will respond within the timeframe required by applicable law (typically 45 days, with possible extensions). We may verify your identity before fulfilling certain requests.

Authorized agents: You may use an authorized agent to submit a request on your behalf. We may require proof of the agent's authority.

7a. California "Do Not Sell or Share My Personal Information"

California residents have the specific right to opt out of the "sale" or "sharing" of their personal information. While Debtrex Solutions does not sell personal information for monetary consideration, our use of advertising cookies (such as the Meta Pixel) may be considered "sharing" for cross-context behavioral advertising under the CCPA/CPRA.

To opt out:

• Click the "Do Not Sell or Share My Personal Information" link (also available in our website footer).
• Adjust your Cookie Preferences to disable the Marketing category.
• Enable the Global Privacy Control (GPC) signal in your browser — we will automatically honor it.
• Email privacy@debtrexsolutions.com.

We do not knowingly sell or share the personal information of consumers under 16 years of age.

7b. Categories of Personal Information (CCPA Notice at Collection)

In the past 12 months we have collected the following categories of personal information from consumers:

• Identifiers: name, email, phone number, IP address.
• Commercial information: consultation history, program interest.
• Internet activity: browsing history on our site, referral source, device information.
• Geolocation: approximate location derived from IP and state of residence.
• Inferences: eligibility tier and program suitability inferences derived from the above.
• Sensitive personal information: we may collect financial-hardship-related information (debt amounts, employment status, income range). We use this information solely for the purposes described in this Policy and do not use it for inferences about characteristics.

7c. Cookies and Tracking Technologies

For details on the cookies and similar technologies we use — including categories, purposes, and how to manage them — see our Cookie Policy.

8. Children's Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children.

9. Security

We use commercially reasonable administrative, technical, and physical safeguards to protect personal information. However, no system is 100% secure, and we cannot guarantee absolute security.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites. Please review their privacy policies.

11. Changes to This Policy

We may update this Privacy Policy from time to time. The "Last Updated" date at the top reflects the most recent revision. Continued use of our website after changes constitutes acceptance of the updated policy.

12. Contact Us

Questions about this Privacy Policy? Contact:

Debtrex Solutions LLC
Email: privacy@debtrexsolutions.com