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Privacy Policy

Last Updated: July 2, 2026 · Effective Date: June 30, 2026

CuraDebt Systems, LLC (“CuraDebt,” “we,” “us,” or “our”) operates as a referral and matching service that connects consumers with independent debt relief, tax resolution, and certain business or merchant cash advance (MCA) debt assistance providers. This Privacy Policy explains how we collect, use, share, protect, and retain your personal information when you use our websites, mobile applications, and services (collectively, the “Site”).

CuraDebt may continue to service certain legacy client relationships established previously, but new consumers using this Site are generally matched with an independent third-party provider or law firm, subject to debt type, state availability, and applicable law. Our role is limited to collecting information, applying basic matching criteria, and facilitating a referral. We do not control a third-party provider’s services after a referral. Services are not available in all states.

California residents: see the California Privacy Notice below for additional rights and disclosures, including how to opt out of the sale or sharing of personal information.

On this page Third-Party Provider Disclaimer Information We Collect How We Use Your Information How We Share Your Information How We Screen Network Partners Compensation Disclosure Credit Information and FCRA Authorization Consent to Be Contacted Cookies and Tracking Global Privacy Control Data Retention Security & Incident Response Social Security Numbers California Privacy Notice Other State Privacy Rights Contact Us

Third-Party Provider Disclaimer

When you are matched with a provider through our service, that provider operates independently from CuraDebt. The provider’s own terms of service, engagement letter or client agreement, and privacy policy govern your relationship with that provider. CuraDebt is not a party to those agreements, does not direct or control the provider’s professional judgment, and does not guarantee or warrant the provider’s services, results, conduct, or data practices. Your decision whether to engage any matched provider is solely your own. To the fullest extent permitted by law, any claims, disputes, damages, or losses arising from your engagement with a matched provider are solely between you and that provider.

All interactions with our company, including calls, may be recorded or monitored for quality assurance and training purposes.

Information We Collect

Information You Provide

We do not request your Social Security Number. Our matching process does not require it. If you ever choose to provide it voluntarily, we protect it as described in the Social Security Numbers section below.

Verification Services

We may perform a soft credit inquiry to verify identity and assess eligibility for matching. A soft inquiry does not affect your credit score. See Credit Information and FCRA Authorization below.

Automatically Collected

Consent Verification

We record form interactions (such as mouse movements, keystrokes, and scrolling) to certify that consent was provided voluntarily. This supports compliance and recordkeeping, including under the Telephone Consumer Protection Act (TCPA).

Third-Party Sources

We may receive information from advertising partners, analytics providers, and data aggregators, including lead-generation data and information used to verify or supplement the information you provide.

How We Use Your Information

How We Share Your Information

Network Partners

When you provide consent through an applicable form, the contact and debt information you submit may be shared with one or more third-party providers or law firms identified in, or reasonably described by, the form disclosure to which you consented, subject to debt type, state availability, and applicable law. We share this information only with the partner(s) covered by the consent you provide in the form. CuraDebt may or may not receive compensation in connection with a referral. Where compensation for legal referrals or other referrals is prohibited or restricted by law, CuraDebt will not accept compensation unless it believes the arrangement complies with applicable requirements. Under the CPRA, certain sharing for matching may constitute a “sale.” California residents may opt out as described in the California Privacy Notice below.

Once shared, the matched provider generally becomes an independent controller of that information under its own privacy policy and agreements. CuraDebt does not own or control the matched provider, is not responsible for the provider’s acts or omissions, and does not control how the provider collects, uses, stores, discloses, or secures information after referral.

Service Providers

We use service providers for hosting, analytics, CRM, email and SMS delivery, identity verification, consent certification, and session analytics. These providers are contractually limited to using information only to perform services for us.

Advertising and Analytics

We may share information derived from your browsing activity, which may include identifiers such as IP address and device information, with advertising partners for audience targeting and campaign measurement. The California Privacy Notice below identifies the specific categories sold or shared.

Legal and Business Transfers

We may disclose information when required by law, regulation, legal process, or governmental request, and in connection with a merger, acquisition, financing, or sale of assets, with notice where required.

SMS Consent Is Not Shared or Sold

Your mobile opt-in and SMS/text-messaging consent are not shared with third parties or sold for their independent marketing, and are not the basis on which contact information is shared with Network Partners. Consent records are retained only to document compliance and to defend against claims, as described in Data Retention.

How We Screen Network Partners

Drawing on over 25 years of experience in the industry, CuraDebt applies a limited business-level screening process when deciding whether to include a provider in its network. This review may include items such as BBB rating, review volume, issues reflected in reviews, complaint patterns or velocity, meetings or discussions with management, and observations over time. This screening is discretionary, may change without notice, and is not a guarantee, certification, endorsement, or warranty of any provider. You remain solely responsible for deciding whether to engage any provider and for reviewing that provider’s own disclosures, agreements, and policies.

Compensation Disclosure

CuraDebt provides referral services to consumers at no separate charge. CuraDebt may earn revenue through referral, marketing, lead-generation, or other lawful compensation arrangements with some network partners, while other referrals may generate no compensation at all. Any compensation arrangement is between CuraDebt and the provider, not the consumer. CuraDebt’s matching considerations may include your financial situation, debt type, state, provider availability, and applicable legal or compliance restrictions.

Credit Information and FCRA Authorization

By submitting a form on our Site, you provide express written instructions under the federal Fair Credit Reporting Act (FCRA) authorizing CuraDebt and the Network Partners with whom you are matched to obtain a soft inquiry from your consumer credit report or credit profile for the purpose of verifying your identity, assessing eligibility, and matching you with a provider, product, or service. A soft inquiry does not affect your credit score. CuraDebt does not perform “hard” credit inquiries; however, certain lenders or providers in the network may perform a hard inquiry to evaluate you for a firm offer of credit.

Important

This credit authorization is separate from, and independent of, any consent you provide to receive calls, texts, or emails. Authorizing a soft inquiry is not the same as consenting to be contacted, and consenting to be contacted is not a condition of any credit inquiry.

Separately from the credit authorization above, when you submit a form you may provide express written consent to receive calls, text messages, and emails from CuraDebt and the Network Partners with whom you are matched, including via automatic telephone dialing systems, artificial or prerecorded voice, and AI-powered contact systems. Message frequency varies (up to 10 messages per month); message and data rates may apply. Consent to be contacted is not required to use our services or to be matched.

You may opt out at any time: reply STOP to any text message; click “unsubscribe” in any email; or contact us using the information below.

SMS/Text Message Terms

Cookies and Tracking

You can manage your preferences through our cookie consent banner. Non-essential cookies are blocked until you provide consent. Session replay tools are controlled by the Analytics toggle in the cookie banner, and consent verification technology is strictly necessary because it exists solely to document legally required consent. You may also opt out of certain interest-based advertising at networkadvertising.org or aboutads.info/choices.

Third-Party Tracking Technologies We Use

We use the following third-party advertising, analytics, and measurement technologies on our Site. Each receives certain information (which may include online identifiers, device and browser information, IP address, and information about your interactions with our Site) and may use that information for its own advertising, analytics, and measurement purposes, which may constitute a “sale” or “sharing” under the CPRA. You can opt out as described in Do Not Sell or Share My Personal Information below and through our cookie consent banner.

This list reflects the trackers in use as of the Last Updated date and may change as we add or remove vendors. Where we operate additional advertising pixels (which may include, from time to time, Reddit, TikTok, Nextdoor, or LinkedIn), we will update this list accordingly.

Global Privacy Control

CuraDebt honors Global Privacy Control (GPC) signals and Universal Opt-Out Mechanisms as a valid opt-out of the sale or sharing of personal information and of targeted advertising, where required by applicable law. Learn more at globalprivacycontrol.org.

Data Retention

We retain personal information only as long as reasonably necessary for the purposes for which it was collected, consistent with applicable legal and regulatory requirements. Our retention periods are:

Information is securely deleted or de-identified after the applicable retention period expires unless a longer period is required by law or an active legal hold.

Security & Incident Response

We maintain industry-standard technical, administrative, and physical safeguards designed to protect your information, including TLS/SSL encryption in transit, access controls, and employee training. No method of transmission or storage is 100% secure, and we cannot guarantee absolute security. You can help protect your information by using strong, unique passwords and logging out of any account after use.

We maintain an incident response process designed to identify, contain, and address security incidents. In the event of a data breach affecting your personal information, we will notify affected individuals and applicable regulators as required by, and within the timeframes set by, applicable state and federal breach-notification laws.

Social Security Numbers

We do not request Social Security Numbers as part of our matching process. To the extent we ever come into possession of a Social Security Number, it is our policy to protect its confidentiality through physical, electronic, and procedural safeguards, to limit access to personnel who need it to perform their job functions, and not to disclose it to third parties except where required or permitted by law.

Children’s Privacy

Our Site is not directed to, and we do not knowingly collect information from, anyone under 18. If we learn that we have collected information from someone under 18, we will promptly delete it.

Matched providers and other linked third-party websites have their own privacy policies and data practices. We are not responsible for their content or practices.

Visiting Our Site From Outside the United States

Our Site is intended to provide services within the United States and is governed by U.S. law. If you access the Site from outside the United States, your information may be transferred to, stored, and processed in the United States. By using the Site, you consent to that transfer and processing, and you understand that U.S. law may differ from the laws of your jurisdiction.

California “Shine the Light” Rights

Under California Civil Code §1798.83, California residents may request, once per year and free of charge, information about the categories of personal information (if any) we disclosed to third parties for those third parties’ direct marketing purposes during the immediately preceding calendar year, along with the names and addresses of those third parties. To make a request, email [email protected] with the subject line “Shine the Light Request,” or call 1-877-850-3328 ext. 888 and leave a voicemail with the information described in Contact Us.

Information Governed by Other Privacy Laws

Some information we handle is governed by sector-specific federal and state privacy laws and may be exempt from certain provisions of state consumer-privacy laws. This includes information subject to the Gramm-Leach-Bliley Act (GLBA), the Fair Credit Reporting Act (FCRA), the California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act. Where those laws apply, they govern the relevant information.

Changes to This Policy

We may update this Privacy Policy from time to time. Changes are effective when posted, and we will revise the Last Updated date above. Your continued use of the Site after changes are posted constitutes acceptance of the updated policy.

Contact Us

The primary way to reach us, including for privacy requests, is by email. You may also call our toll-free number as a secondary method; if no one is available, please leave a voicemail with the information listed below so we can verify your request and respond by email.

CuraDebt Systems, LLC
4000 Hollywood Blvd., Suite 555-S, Hollywood, FL 33021
Email (primary): [email protected]
Phone (secondary): 1-877-850-3328 ext. 888
Managing Member: Eric Pemper

If you reach our voicemail, please leave: (1) your full name; (2) a call-back number and the email address you would like us to respond to; and (3) a brief description of your request (for example, “opt out of sale/sharing,” “delete my information,” or “Arbitration Opt-Out”). We will follow up by email to the address you provide and may need to verify your identity before acting on certain requests.

California Privacy Notice (CCPA/CPRA)

This California Privacy Notice supplements the Privacy Policy above and applies solely to California residents, as required by the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, the “CCPA”). Terms defined in the CCPA have the same meaning when used here. This Notice does not apply to information exempt from the CCPA, including information governed by the GLBA, FCRA, FIPA, or the Driver’s Privacy Protection Act, publicly available information, or de-identified or aggregated information.

Categories of Personal Information We Collect, Disclose, and Sell or Share

Over the preceding 12 months, we have collected the following categories of personal information. For each category, the table shows the sources, the business or commercial purpose, the categories of third parties to whom we disclose it, and whether we “sell” or “share” it as those terms are defined under the CCPA.

Category (CCPA) Examples We Collect Sources Business Purpose Disclosed To Sold/Shared?
Identifiers Name, email, phone number, IP address, approximate location You; automatic collection; third-party lead sources Matching, communication, identity verification, fraud prevention Network Partners (per your form consent); service providers; advertising partners Yes — may be sold/shared for matching and advertising
Customer records (§1798.80) Name, contact details, debt amount and types You Matching, eligibility assessment, communication Network Partners (per your form consent); service providers Yes — shared with matched partner(s) per your consent
Commercial information Debt type, debt amount, services inquired about You Matching, service improvement Network Partners (per your form consent); service providers Yes — shared with matched partner(s) per your consent
Internet/network activity Pages visited, time spent, navigation paths, referring URL, search terms, form interaction data Automatic collection Site operation, analytics, consent certification, advertising Analytics and advertising partners; service providers Yes — may be shared for analytics and advertising
Geolocation data Approximate location derived from IP address Automatic collection State-based matching, fraud prevention, analytics Service providers; advertising partners May be shared for advertising
Inferences Eligibility and matching inferences drawn from the above Derived by us Matching Network Partners (per your form consent) May be shared with matched partner(s) per your consent
Financial information (largely FCRA/GLBA-exempt) Soft credit inquiry data used to verify identity and assess eligibility Consumer reporting agencies, per your FCRA authorization Identity verification, eligibility assessment Network Partners as needed for matching No — used for the requested service; largely exempt

We do not collect a Social Security Number. We do not knowingly sell or share the personal information of consumers under 16 years of age.

Sensitive Personal Information

The only information we handle that may be considered “sensitive personal information” under the CCPA is soft credit inquiry data used to verify your identity and assess eligibility, much of which is exempt from the CCPA under the FCRA and GLBA. We do not use or disclose sensitive personal information for purposes other than those permitted under the CCPA, such as providing the service you requested, and we do not use it to infer characteristics about you. Because we use this information only as reasonably necessary to provide the matching service you requested, it may fall within the service-necessity exception and may not be subject to the right to limit in that use case.

Your California Privacy Rights

Subject to certain exceptions, California residents have the following rights:

Do Not Sell or Share My Personal Information

To opt out of the sale or sharing of your personal information, email [email protected], use the “Your Privacy Choices” link in our website footer, enable a Global Privacy Control signal in your browser (which we honor as a valid opt-out), or call 1-877-850-3328 ext. 888 and leave a voicemail with the information described in How to Submit a Request. Your opt-out through a browser signal applies to that browser or device.

How to Submit a Request

You may submit a privacy request by emailing [email protected] (our primary method), through the “Your Privacy Choices” page linked in our footer, or by calling 1-877-850-3328 ext. 888 as a secondary method. If you reach our voicemail, please leave (1) your full name, (2) a call-back number and the email address you would like us to respond to, and (3) a brief description of your request, and we will follow up by email. These rights apply only to data held by CuraDebt; for data held by a matched provider, contact that provider directly.

Identity Verification

To process a request to know, access, delete, or correct, we must verify your identity. We may ask you to provide identifiers we can match against information we previously collected, to confirm your request using the email address or phone number associated with it, or to provide a declaration under penalty of perjury where permitted by law. We may decline a request we cannot reasonably verify.

Authorized Agents

You may use an authorized agent to submit a request on your behalf. We may require the agent to provide proof of authorization (such as a valid power of attorney) and may require you to verify your own identity directly with us.

Financial Incentives

We do not offer financial incentives or price or service differences in exchange for the collection, sale, or sharing of personal information.

California Registrations

CuraDebt is registered with the California Department of Financial Protection and Innovation (DFPI) under the CCFPL, registration number 01-CCFPL-1684981-3480786.

Other State Privacy Rights

Virginia: residents may access, correct, delete, and obtain a portable copy of personal data, and opt out of targeted advertising and sale. Appeals may be directed to us using the contact information above. CuraDebt is licensed by the Virginia State Corporation Commission as a debt settlement provider, License No. DSP-13.

Colorado, Connecticut, Texas, Oregon, and others: residents of CO, CT, DE, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OR, RI, TN, TX, and UT have rights under their respective state privacy laws. CuraDebt honors GPC and Universal Opt-Out Mechanisms. Contact us to exercise your rights.

Nevada: residents may opt out of certain sales of covered information by emailing [email protected] with the subject line “Nevada Opt-Out.”

Mississippi Licensed Debt Management Service Provider. Licensed in various other states.
C.P.D. Reg. No. 2024-0673215. CuraDebt Systems, LLC is licensed by the Virginia State Corporation Commission as a debt settlement provider, License No. DSP-13.

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