CuraDebt Privacy Policy

Last Updated: April 15, 2026
Effective Date: April 15, 2026

CuraDebt Systems, LLC (“CuraDebt,” “we,” “us,” or “our”) currently uses this Site primarily as a referral and matching platform for consumers seeking debt relief, tax resolution, and certain business or MCA debt assistance. 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 referral. Services are not available in all states.

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

• Full name
• Email address
• Phone number
• State of residence
• Total debt amount and types of debt
• Any other information you voluntarily provide

Verification Services

We may perform a soft credit inquiry to verify identity and assess eligibility. A soft inquiry does not affect your credit score.

Automatically Collected

• IP address and approximate geolocation
• Browser type, version, language
• OS and device type
• Pages visited, time spent, navigation paths
• Referring URL and search terms
• Date and time

Consent Verification

We record form interactions (mouse movements, keystrokes, scrolling) to certify voluntary consent.

Third-Party Sources

We may receive information from advertising partners, analytics providers, and data aggregators.

How We Use Your Information

• Match you with providers based on your situation, debt type, and state
• Verify identity through soft credit inquiries
• Communicate about consultations and matched services
• Process referrals
• Certify consent
• Improve services
• Legal compliance
• Fraud prevention

How We Share Your Information

Network Partners

When you provide consent through an applicable form, your information may be shared with one or more third-party providers or law firms identified in, or reasonably described by, the form disclosure, subject to debt type, state availability, and applicable law. 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 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

Hosting, analytics, CRM, email/SMS delivery, identity verification, consent certification, session analytics. Contractually limited.

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 notice below identifies the specific categories sold or shared.

Legal and Business Transfers

When required by law. In the event of merger/acquisition, with notice.

How We Vet 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.

Cookies and Tracking

• Strictly Necessary: Essential functionality.
• Analytics: Visitor behavior insights.
• Marketing: Ad delivery and measurement.
• Session Replay: Anonymized recordings (PII masked).
• Consent Verification: Certify voluntary consent.

Manage via consent banner. Non-essential cookies blocked until consent. Opt out at networkadvertising.org or aboutads.info/choices.

Global Privacy Control

CuraDebt honors GPC signals and Universal Opt-Out Mechanisms as a valid opt-out of sale/sharing and targeted advertising. 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:

• Lead and consultation records (name, email, phone, state, debt info): 7 years from collection, for regulatory, tax, and legal compliance.
• Consent verification records (TrustedForm certificates, form interaction data): 7 years, for TCPA defense and regulatory compliance.
• Soft credit inquiry data: 7 years, consistent with financial regulatory requirements.
• Call recordings: 5 years, for quality assurance and regulatory compliance.
• Browsing, analytics, and cookie data: 26 months from collection.
• Session replay recordings: 26 months from collection.

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.

Your Privacy Rights

• Right to Know/Access: What we collected, from where, why, and who received it.
• Right to Delete: Subject to legal exceptions.
• Right to Correct: Fix inaccurate information.
• Right to Opt Out of Sale/Sharing: Stop transfer to network partners and ad partners.
• Right to Limit Sensitive Information: To the extent required by applicable law, you may request that we limit our use and disclosure of sensitive personal information. Soft credit inquiry data used solely to verify your identity and route a requested referral may fall within the service-necessity exception under the CPRA and similar state laws, and may not be subject to limitation in that use case.
• Right to Portability: Portable copy of your data.
• Right to Non-Discrimination: No penalties for exercising rights.
• Right to Appeal: Instructions in our response.

These rights apply only to data held by CuraDebt. For data held by matched providers, contact them directly.

To exercise your rights, visit the Your Privacy Choices page linked in our footer, or contact us:

• Email: [email protected]
• Phone: 1-877-850-3328 ext. 888

California Privacy Notice (CCPA/CPRA)

For detailed California rights, data categories, and opt-out mechanisms, visit our California Privacy Notice at curadebt.com/california-consumer-privacy-act-ccpa/. DFPI registration 01-CCFPL-1684981-3480786.

Virginia

Access, correct, delete, port, opt out. Appeal to [email protected]. License No. DSP-13.

Colorado, Connecticut, Texas, Oregon, and Other States

Residents of CO, CT, DE, IN, IA, KY, MD, MN, MT, NE, NH, NJ, OR, RI, TN, TX, UT have rights under their state laws. CuraDebt honors GPC/UOOM. Contact us to exercise.

Nevada

Email [email protected], subject “Nevada Opt-Out.”

Children’s Privacy

Not directed to anyone under 18.

Security

TLS/SSL encryption, access controls, employee training.

Third-Party Links

Matched providers have their own policies. We are not responsible for their practices.

Communications and Opt-Out

• Email: Click unsubscribe or email [email protected]
• SMS: Reply STOP
• Phone: Request removal

CAN-SPAM compliant.

SMS/Text Message Terms

• Message frequency varies, up to 10/month.
• Msg and data rates may apply.
• Reply STOP to opt out.
• Reply HELP for assistance or contact [email protected].
• Not required to use our services.
• Carriers not liable for delays.

Changes

Reflected in Last Updated date.

Contact Us

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