Privacy Policy

Effective Date: July, 2025

1.Information We Collect

We collect the following categories of information when you engage with our website, services, or representatives:

Personal Information: Full name, phone number, email address, mailing address, date of birth, Social Security Number (if required).
Financial Information: Debt balances, credit score insights, income, banking details, payment history, and other relevant financial data.
Usage Information: Browser type, IP address, device type, time spent, pages visited, and user behavior.
Communications Data: Emails, call recordings, chat transcripts, support tickets, and other service interactions.
Third-Party Data: Credit bureaus and affiliate partners may share your data under your authorization.

2.How We Use Your Information

We use your data to:

Deliver personalized debt relief and financial consulting services.
Conduct credit assessments and offer tailored program recommendations.
Communicate important updates, reminders, confirmations, and service notices.
Improve our platform functionality, analytics, and user experience.
Fulfill legal obligations and protect our business interests.

3.TCPA & Consent to Contact

By providing your phone number (landline or mobile), you expressly consent, in accordance with the Telephone Consumer Protection Act (TCPA), to receive:

Calls (including pre-recorded or artificial voice messages)
Text messages (SMS/MMS)
Emails

from RG Debt Relief Solutions and its service providers or affiliates for:

Account servicing
Informational updates
Marketing offers related to debt relief or financial services

This may include automated systems such as auto-dialers or predictive dialers. Consent is not a condition of purchase.

You may opt-out at any time by:

Replying "STOP" to SMS messages
Clicking "unsubscribe" in emails
Calling us at:+1-949-841-2454
Emailing: privacy@rgdebtrelief.com

4.SMS Terms and Conditions

Consent for SMS Communication

By providing your mobile phone number and opting in to receive SMS messages, you expressly consent to receive automated text messages from RG Debt Relief Solutions at the number you provided. This consent is optional and not a condition of purchase or service.

Information obtained as part of the SMS consent process will not be shared with third parties for marketing purposes without your explicit consent.

Types of SMS Communications

If you have consented to receive text messages from RG Debt Relief Solutions, you may receive messages related to:

Account Updates: Payment reminders, program status updates, and important account notifications
Debt Relief Services: Consultation appointments, settlement offers, and program milestones
Educational Content: Financial wellness tips, debt management resources, and service information
Service Communications: Confirmation messages, verification codes, and customer support responses
Marketing Offers: Special promotions, new services, and exclusive client benefits (if opted in)

Message Frequency

Message frequency varies by service type. You may receive up to 3 messages per week for account updates and up to 2 messages per month for marketing communications. Frequency may increase during active enrollment or settlement negotiations.

Standard Messaging Disclosures

Message and Data Rates: Message and data rates may apply based on your mobile carrier's plan.
Opt-Out: You can opt-out at any time by texting "STOP" to any message from us. You will receive a confirmation of your opt-out.
Help: For assistance, text "HELP" to any of our messages or call us at +1-949-841-2454
Support: For additional support, email us at privacy@rgdebtrelief.com
Carrier Liability: Carriers are not liable for delayed or undelivered messages.

Your SMS Privacy Rights

Your mobile phone number will be used only for the purposes you've consented to. We will never:

Sell your phone number to third parties
Share your number for unrelated marketing purposes
Send messages outside the scope of your consent

5.Data Sharing & Disclosure

We may share your information:

With trusted third-party vendors (CRM, payment processors, credit report services) under strict confidentiality terms.
With government or law enforcement agencies, if legally compelled.
With affiliates or marketing partners only with your express written consent.

We never sell your personal information.

6.Your Privacy Rights

You have the right to:

Access: View the personal data we hold.
Correction: Update inaccurate or outdated data.
Deletion: Request removal of your personal information (subject to legal limitations).
Objection: Restrict use of your data for certain purposes.
Withdraw Consent: Revoke marketing or communication permissions at any time.

To exercise your rights, please contact us at:privacy@rgdebtrelief.com