PRIVACY POLICY

By using this site and all other sites under its management, you, herein known as “User,” agree to all of the following, including our Terms and Conditions, Disclaimer and Return Policy. This agreement sets forth rights and obligations as a User of Provider’s website and materials.

1. PERSONAL INFORMATION COLLECTION AND USAGE

The Provider collects information from the User when placing an order, subscribes to a newsletter, fills out a form, or enters information on the Provider’s site. When ordering or registering on the Provider’s site, as appropriate, the User may be asked to enter a username, email address, credit card information or other details to help the User improve their experience.

2. USE OF INFORMATION

The Provider may use the information collected from the User when registering, making a purchase, signing up for a newsletter, responding to a survey or marketing communication, browsing a website, or when using certain other site features in the following ways:

• To personalize the experience and to allow the Provider to deliver the type of content and service offerings in which the User is most interested.
• To improve website(s) in order to better serve the User.
• To allow better service when responding to the User’s customer service requests.
• To administer a contest, promotion, survey, or other site feature.
• To quickly process transactions.
• To send periodic emails regarding order(s), products and services.

3. PROTECTION OF INFORMATION

Our website is scanned on a regular basis for security holes and known vulnerabilities in order to make the User’s visit(s) to the Provider’s site(s) as safe as possible. The Provider uses regular malware scanning. The Provider may or may not use an SSL certificate because of third-party processors.

4. COOKIE USAGE

Cookies are small files that a site or its service provider transfers to the User’s computer’s hard drive through the web browser, if permitted, that enables the site’s or service systems to recognize the User’s browser and capture and remember certain information. The Provider also uses cookies to help compile aggregate data about site traffic and site interaction to offer better site experiences and tools in the future, such as:

• To help remember and process the items in the User's shopping cart
• To understand and save the User’s preferences for future visits
• To keep track of advertisements
• To compile aggregate data about site traffic and site interactions

The User can choose to have their computer show a warning each time a cookie is being sent, or to turn off all cookies through their browser settings. If the User turns cookies off, some features will be disabled.

5. DISCLOSURE OF INFORMATION

The Provider does not sell, trade, or otherwise transfer to public parties the User’s name or any online contact identifiers.

6. THIRD-PARTY LINKS

Occasionally, at the Provider’s discretion, communications may include or offer third-party products or services. These third-party sites have separate and independent privacy policies.

7. GOOGLE’S ADVERTISING POLICY

The Provider uses Google AdSense Advertising. Google’s use of the DART cookie enables it to serve ads to users based on their visit to sites on the Internet. The Provider has implemented:

• Remarketing with Google AdSense
• Google Display Network Impression Reporting
• Demographics and Interests Reporting
• DoubleClick Platform Integration

8. DO NOT TRACK SIGNALS

The Provider honors Do Not Track (DNT) signals and does not track, plant cookies, or use advertising when a DNT mechanism is in place.

9. BEHAVIORAL TRACKING

The Provider does not allow third-party behavioral tracking, except where used for advertising purposes.

10. CHILDREN ONLINE PRIVACY PROTECTION

The Provider does not specifically market to children under 18.

11. FAIR INFORMATION PRACTICES

The Provider will notify the User via email within 180 business days via in-site notification should a data breach occur.

12. CAN-SPAM

In accordance with CAN-SPAM rules the Provider always attempts to adhere to the following:

• To not use false, or misleading subjects or email addresses
• To identify the message as an advertisement
• To include the physical address of Provider’s business
• To honor opt-out/unsubscribe requests quickly

13. EMAIL ADDRESS COLLECTION PURPOSES

Reasons to collect an email address include:

• To send information and respond to inquiries
• To process orders and send updates
• To market to a mailing list

14. EUROPEAN UNION RIGHTS

ACCESS TO PERSONAL DATA: Users may request a copy of their personal data within 30 days.
DATA CORRECTION: Users may request corrections to outdated information.
RIGHT TO BE FORGOTTEN: Users may request account deletion.
PORTABILITY: Users may request data transfer to another party.

16. SMS PRIVACY POLICY

Effective Date: [Insert Date]

This SMS Privacy Policy governs SMS/text messaging services ("Services") provided by Equity First LLC ("Provider") through https://www.mortgagerecoveryusa.com/, in compliance with U.S. laws including the TCPA and CTIA guidelines.

Scope

Applies to all SMS communications initiated by the Provider. By opting in, you consent to these terms.

Information Collected

• Mobile Phone Number: Voluntarily provided during opt-in.
• User Content: Messages or responses you send.
• Metadata: Time/date of messages, carrier data.

Purpose of SMS

• Alerts about mortgage relief programs or financial services.
• Promotional offers, updates, or educational content.
• Transactional messages (e.g., appointment reminders).

Consent & Opt-In

• Express written consent is required under the TCPA (e.g., checking a box or texting a keyword like "JOIN").
• Transactional messages (non-promotional) may be sent without prior consent.

Frequency

Message frequency will not exceed 100 per month.

Opt-Out

• Reply STOP, END, UNSUBSCRIBE, or similar keywords to any message.
• Contact us via email at claim@mortgagerecoveryusa.com or USPS mail.

Data Sharing

Equity First LLC/Mortgage Recovery USA may disclose Personal Data and other information as follows:

• Third Parties Supporting the Messaging Service: We may share your Personal Data with third parties that help provide the messaging service, including platform providers, phone companies, and vendors assisting in message delivery. We will not share your opt-in consent for SMS campaigns with third parties for purposes unrelated to supporting that campaign.
• Affiliates: We may disclose Personal Data to our affiliates or subsidiaries, provided their use and disclosure of your data remains subject to this Policy.

All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Security

Encryption, restricted database access, and vendor audits are used to protect your data.

User Rights

• Request access to or deletion of SMS data by contacting us.
• California residents may exercise CCPA rights (see Section 14).

Policy Updates

Updates will be posted on our website. Continued use of SMS Services constitutes acceptance.

Contact

For SMS-related questions, use the contact details in Section 15 (Notices).

Note: Standard message/data rates apply. Users under 18 may not opt in.

15. NOTICES

You must email claim@mortgagerecoveryusa.com for any request. All written communications must be sent via registered or certificated USPS mail only.

LAST UPDATE: 02/20/2025