Privacy Policy

1. Information We Collect

1.1 Information You Provide

We collect information that you voluntarily provide when registering for an account, using the Service, or contacting us:

• Account Information: Name, email address, phone number, company name, business address
• Payment Information: Billing address, credit card details (processed by third-party payment processors)
• Profile Information: Professional credentials, area of practice, license numbers
• Communications: Messages sent through contact forms, support tickets, or email correspondence
• User-Generated Content: Notes, tags, filters, saved searches, and other data you input into the platform

1.2 Information Collected Automatically

When you access or use our Service, we automatically collect:

• Device Information: IP address, browser type, operating system, device identifiers
• Usage Data: Pages visited, features accessed, time spent on pages, click patterns, session recordings
• Location Data: General geographic location derived from IP address
• Cookies and Similar Technologies: Session identifiers, preference settings, authentication tokens

1.3 Information from Third-Party Sources

We obtain foreclosure and property owner information from publicly available sources and data providers, as detailed in Section 3 below.

2. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide, maintain, and improve the foreclosure leads platform, including generating leads, filtering data, and delivering search results
• Account Management: To create and manage your account, authenticate users, and process subscription payments
• Communication: To send transactional emails, service updates, billing notifications, and respond to inquiries
• Personalization: To customize your experience, save preferences, and display relevant leads based on your search criteria
• Analytics: To analyze usage patterns, measure platform performance, and identify areas for improvement
• Security: To detect and prevent fraud, abuse, unauthorized access, and other security incidents
• Legal Compliance: To comply with applicable laws, regulations, legal processes, and enforceable governmental requests
• Marketing: With your consent, to send promotional materials, newsletters, and information about new features (opt-out available)

3. Data Sources

Our Service aggregates foreclosure information from various public and commercial sources:

3.1 Public Records

• County recorder offices and clerk of court databases
• State and federal court filings and dockets
• Tax assessor and property appraiser records
• Notice of default (NOD) and notice of trustee sale (NOTS) filings
• Deed recordings, mortgage assignments, and lien documents
• Bankruptcy court filings (PACER system)

3.2 Commercial Data Providers

We license data from reputable third-party vendors who compile public records and provide additional property intelligence:

• National foreclosure tracking services
• Property data aggregators and multiple listing services (MLS)
• Title companies and settlement service providers
• Real estate analytics platforms

3.3 Data Accuracy and Updates

We strive to maintain accurate and current information. However, we do not guarantee the accuracy, completeness, or timeliness of data obtained from third-party sources. Users are responsible for independently verifying all information before taking any action.

4. Skip Tracing & Data Enrichment

Our Service includes skip tracing functionality to help users locate current contact information for property owners facing foreclosure.

4.1 Skip Tracing Methods

We employ the following techniques to locate individuals:

• Searching consumer reporting agency databases (with permissible purpose under FCRA)
• Cross-referencing utility connection records and forwarding addresses
• Querying voter registration and DMV records where legally available
• Analyzing social media public profiles and online directories
• Reverse phone lookups and email append services
• Relative and associate searches through publicly available genealogy data

4.2 Permissible Use Requirements

Skip tracing data is provided for legitimate business purposes only. Users agree to comply with all applicable laws, including:

• Fair Credit Reporting Act (FCRA) permissible purpose requirements
• Gramm-Leach-Bliley Act (GLBA) safeguards for non-public personal information
• State privacy laws governing use of personal information
• Prohibition against stalking, harassment, or other unlawful purposes

5. Do Not Call (DNC) Compliance

We provide tools to help users comply with federal and state Do Not Call regulations, but ultimate compliance responsibility rests with the user.

5.1 DNC Scrubbing Features

• Integration with National Do Not Call Registry scrubbing services
• State-specific DNC list filtering where available
• Internal suppression list management for user-maintained opt-outs
• Automated flagging of numbers on DNC registries

5.2 Established Business Relationship (EBR) Exception

Users must independently determine whether an Established Business Relationship exists before contacting individuals on DNC lists. We do not make EBR determinations on behalf of users.

5.3 User Responsibilities

Users are solely responsible for:

• Subscribing to and maintaining current DNC registry access
• Scrubbing phone numbers before making calls
• Honoring individual opt-out requests within 30 days
• Maintaining internal suppression lists for at least five years
• Training staff on DNC compliance requirements

6. TCPA Compliance

The Telephone Consumer Protection Act (TCPA) restricts certain types of telephone communications. Users must comply with all TCPA requirements when using our Service.

6.1 Prior Express Written Consent

Before using automated telephone dialing systems, prerecorded messages, or SMS/text messages to contact individuals, users must obtain prior express written consent that includes:

• Clear and conspicuous disclosure of telemarketing purpose
• Specific phone number to be called
• Signature authorizing calls using an autodialer or prerecorded voice
• Statement that consent is not a condition of purchase

6.2 Wireless Number Identification

Our Service includes wireless number flagging to help identify cell phones, which require consent before automated calling. However, we do not guarantee 100% accuracy of wireless indicators.

6.3 Time-of-Day Restrictions

Calls to residential numbers are prohibited before 8:00 AM or after 9:00 PM in the recipient's local time zone. Users must configure calling systems to respect these restrictions.

6.4 Revocation of Consent

Individuals may revoke consent at any time using any reasonable method. Users must immediately honor revocation requests and maintain records of such revocations.

7. Data Sharing & Third Parties

We may share your information with third parties in the following circumstances:

7.1 Service Providers

We engage third-party companies to perform services on our behalf:

• Payment processors (Stripe, PayPal)
• Cloud hosting and infrastructure providers (AWS, Google Cloud)
• Email delivery services (SendGrid, Mailgun)
• Analytics platforms (Google Analytics, Mixpanel)
• Customer support tools (Intercom, Zendesk)
• Data enrichment and skip tracing vendors

These service providers are contractually obligated to protect your information and use it only for the purposes we specify.

7.2 Business Transfers

If we are involved in a merger, acquisition, financing, bankruptcy, or sale of assets, your information may be transferred as part of that transaction. We will notify you of any change in ownership or control of your personal information.

7.3 Legal Requirements

We may disclose your information if required by law, regulation, legal process, or governmental request, or to:

• Comply with subpoenas, court orders, or discovery requests
• Enforce our Terms of Service or other agreements
• Protect our rights, property, or safety
• Investigate fraud, security breaches, or policy violations
• Respond to emergency situations involving danger of death or serious injury

7.4 Aggregated Data

We may share aggregated, de-identified, or anonymized data that cannot reasonably be used to identify you. This includes industry benchmarks, market trends, and statistical analysis.

8. Data Retention

We retain your information for as long as necessary to provide the Service and fulfill the purposes outlined in this Privacy Policy.

8.1 Active Accounts

• Account information: Duration of active subscription plus 7 years for tax/audit purposes
• Usage logs: 24 months for analytics and security monitoring
• Payment records: 7 years as required by accounting regulations
• Support tickets: 3 years after resolution

8.2 Closed Accounts

After account closure, we will:

• Delete or anonymize personal information within 90 days, except where retention is required by law
• Retain transaction records for 7 years for financial compliance
• Maintain de-identified usage data for analytics purposes
• Preserve data subject to legal holds or ongoing investigations

8.3 Foreclosure Lead Data

Public foreclosure records displayed through our Service are refreshed regularly based on source availability. Historical records may be retained indefinitely for trend analysis and comparative market studies.

9. Your Rights

Depending on your location, you may have certain rights regarding your personal information.

9.1 California Residents (CCPA/CPRA)

California residents have the right to:

• Know: Request disclosure of personal information collected, used, or sold in the past 12 months
• Access: Obtain a copy of your personal information in a portable format
• Delete: Request deletion of your personal information (subject to legal exceptions)
• Correct: Request correction of inaccurate personal information
• Opt-Out: Opt out of the sale or sharing of personal information for targeted advertising
• Limit: Limit use and disclosure of sensitive personal information
• Non-Discrimination: Exercise these rights without discriminatory treatment

9.2 Other State-Specific Rights

Residents of Virginia, Colorado, Connecticut, Utah, and other states with comprehensive privacy laws have similar rights. We honor all applicable state privacy law requests.

9.3 Exercising Your Rights

To exercise any of these rights, please submit a request to:

We will respond to verified requests within 45 days. We may request additional information to verify your identity before processing requests.

9.4 Authorized Agents

You may designate an authorized agent to submit requests on your behalf. We require written authorization signed by you and proof of the agent's identity.

10. Cookies & Tracking Technologies

We use cookies, web beacons, and similar tracking technologies to collect information about your interaction with our Service.

10.1 Types of Cookies We Use

10.2 Third-Party Tracking

Our Service uses third-party analytics and advertising services:

• Google Analytics (web traffic analysis)
• Facebook Pixel (conversion tracking)
• LinkedIn Insight Tag (B2B advertising)
• Hotjar (session recordings and heatmaps)

10.3 Managing Cookie Preferences

You can control cookies through:

• Browser settings to block or delete cookies
• Our cookie preference center (accessible in account settings)
• Industry opt-out tools: Digital Advertising Alliance (DAA) or Network Advertising Initiative (NAI)
• Global Privacy Control (GPC) signals (honored for California residents)

Note: Disabling essential cookies may impact site functionality.

11. Security Measures

We implement industry-standard security measures to protect your information from unauthorized access, alteration, disclosure, or destruction.

11.1 Technical Safeguards

• TLS/SSL encryption for data transmission (HTTPS)
• AES-256 encryption for data at rest
• Multi-factor authentication (MFA) for account access
• Regular security audits and penetration testing
• Intrusion detection and prevention systems
• Database access controls and query logging
• Secure API authentication with rotating tokens

11.2 Organizational Safeguards

• Employee background checks and security training
• Role-based access controls (RBAC) limiting data exposure
• Confidentiality agreements with all personnel
• Incident response plan and breach notification procedures
• Regular backups with disaster recovery protocols

11.3 Data Breach Notification

In the event of a data breach affecting your personal information, we will:

• Notify affected users within 72 hours of discovery
• Describe the nature and scope of the breach
• Detail steps taken to mitigate harm
• Provide guidance on protective measures you can take
• Report to regulatory authorities as required by law

12. Children's Privacy

Our Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from children.

If we become aware that we have inadvertently collected personal information from a child under 18, we will take immediate steps to delete such information from our systems. If you believe we have collected information from a child, please contact us at support@usforeclosurerecovery.com.

Parents and guardians have the right to request disclosure of any information we may have collected about their child and to request deletion of such information.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors.

13.1 Notification of Material Changes

If we make material changes that significantly affect your rights or how we handle your personal information, we will:

• Post a prominent notice on our website homepage for 30 days
• Send email notification to registered users
• Update the "Last Updated" date at the top of this policy
• For significant changes, obtain your affirmative consent before applying the new terms

13.2 Your Continued Use

Your continued use of the Service after the effective date of a revised Privacy Policy constitutes your acceptance of the changes. If you do not agree with the updated policy, you must discontinue use and may request account deletion.

13.3 Policy Archive

Previous versions of this Privacy Policy are available upon request. Contact support@usforeclosurerecovery.com to review historical versions.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us: