Privacy Policy

1. Introduction

DebtFend AI ("we," "us," or "our") operates a self-help legal technology platform that helps consumers manage debt defense, draft court responses, and navigate creditor negotiations. This Privacy Policy explains how we collect, use, disclose, and protect your information when you use our website and services.

We are not a law firm and do not provide legal advice. By using our services, you acknowledge that any information you submit is handled in accordance with this policy.

2. Information We Collect

We collect the following types of information:

• Account Information: Your name, email address, and password when you register for an account.
• Identity and Financial Information: When you use our credit report pull feature, we collect personal details such as your full name, Social Security number, date of birth, and address. This information is transmitted to Experian to retrieve your credit report.
• Case and Debt Information: Information you provide about your legal cases, court documents, creditors, account balances, and negotiation details.
• Uploaded Documents: Credit reports, pleadings, discovery requests, and other files you upload for AI analysis.
• Payment Information: Transaction details processed through our payment provider. We do not store your full credit card number.
• Usage Data: Information about how you interact with our platform, including device type, browser, pages visited, and timestamps.

3. How We Use Your Information

We use your information to:

• Provide, maintain, and improve our services and features;
• Generate AI-assisted legal document templates, discovery responses, and negotiation strategies;
• Pull credit reports through Experian on your behalf when requested;
• Process payments for services you purchase;
• Communicate with you about your account, transactions, and service updates;
• Monitor for fraud, abuse, and security threats; and
• Comply with legal obligations.

4. How We Share Your Information

We do not sell your personal information. We may share your information with:

• Service Providers: Third parties that support our operations, including Experian (for credit report retrieval), our payment processor, and cloud hosting providers. These providers are bound by confidentiality obligations.
• Legal Compliance: When required by law, court order, or government regulation, or to protect our rights and safety.
• Business Transfers: In connection with a merger, acquisition, or sale of assets, subject to the same confidentiality protections.

5. Data Security

We implement industry-standard technical, administrative, and physical safeguards to protect your information. However, no method of transmission over the internet or electronic storage is completely secure. We cannot guarantee absolute security, but we continuously work to protect your data using encryption in transit and at rest.

6. Data Retention

We retain your information for as long as your account is active or as needed to provide our services. We may retain certain information after account closure to comply with legal obligations, resolve disputes, and enforce our agreements.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal information we hold about you;
• Request correction of inaccurate information;
• Request deletion of your personal information;
• Opt out of certain marketing communications; and
• Withdraw consent for data processing where applicable.

To exercise any of these rights, contact us through the support channel in your account settings.

8. Credit Report Information

When you use the Experian credit report pull feature, your personal identity information is transmitted to Experian to retrieve your report. The retrieved report data is processed by our AI to extract creditor information and generate negotiation strategies. We are not a consumer reporting agency, and this feature is provided for your personal use only.

9. Not Legal Advice

DebtFend AI is a self-help tool, not a law firm. Any AI-generated documents, responses, or strategies are for informational purposes only and do not constitute legal advice. We strongly recommend consulting a licensed attorney for your specific situation.

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us so we can delete it.

11. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. Your continued use of our services after changes take effect constitutes acceptance of the revised policy.

12. Contact Us

If you have questions or concerns about this Privacy Policy or our data practices, please contact us at [NEW EMAIL].