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# Privacy Policy — Debt Recovery Experts (DRE)
**Website:** https://debtrecoveryexperts.com
**Business Name:** Debt Recovery Experts (DRE)
**Jurisdiction:** State of Texas, USA
**Effective Date:** [Date to be inserted upon legal approval]
**Status:** ⚠️ **DRAFT — FOR LEGAL REVIEW ONLY**
> **IMPORTANT DISCLAIMER:** This document is a draft prepared for initial review and discussion. It has **not** been reviewed or approved by a licensed attorney. It **must** be reviewed, edited, and approved by a licensed Texas attorney before being used, posted, or presented to any client, customer, or third party. Debt Recovery Experts (DRE) assumes no liability for the use of this draft prior to legal review.
---
## 1. Introduction
Debt Recovery Experts ("DRE," "we," "us," or "our") is committed to protecting the privacy of individuals who use our website (https://debtrecoveryexperts.com, the "Site") and our debt recovery services (the "Services"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our Site or use our Services.
**Please read this Privacy Policy carefully.** By accessing the Site or using the Services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with our policies and practices, do not use the Site or Services.
**This policy applies to:**
- Clients (individuals and businesses submitting claims for debt recovery).
- Visitors to our website.
- Debtors whose information we receive as part of the debt collection process.
## 2. Information We Collect
We collect information in the following ways: (a) information you voluntarily provide to us, (b) information we collect automatically when you use the Site, and (c) information we receive from third parties.
### 2.1 Information You Provide to Us
**Account Information:**
- Full name
- Business name (if applicable)
- Email address
- Phone number
- Mailing address
- Username and password
**Claim and Financial Information:**
- Social Security Number (SSN) or Employer Identification Number (EIN)
- Tax identification numbers
- Bank account and routing numbers (for disbursement)
- Debt details (amount, date incurred, nature of the debt)
- Debtor information (name, address, phone number, email)
- Supporting documentation (contracts, invoices, statements, correspondence, payment records)
- Any other information you choose to upload or provide in connection with a claim
**Communication Information:**
- Records of correspondence with us via email, phone, or the Site
- Records of communications with debtors (if provided)
**Notarization Information (RON):**
- Government-issued identification (driver's license, passport, or other ID)
- Video and audio recordings of the online notarization session
- Digital signature records
### 2.2 Information Collected Automatically
When you visit our Site, we may automatically collect:
- **Log Data:** IP address, browser type, operating system, referring URLs, pages viewed, and time/date stamps.
- **Device Information:** Device type, screen resolution, and browser settings.
- **Usage Data:** How you interact with the Site, including features used and actions taken.
- **Cookies and Tracking Technologies:** See Section 9 (Cookie Policy).
### 2.3 Information from Third Parties
We may receive information from:
- **Notary Services:** Confirmation of identity verification and notarization records.
- **Payment Processors:** Payment confirmation and transaction details (we do not store full payment card numbers).
- **Credit Reporting Agencies:** Skip tracing and debtor location information (where permitted by law).
- **Public Records:** Information from court records, public databases, and other lawful sources.
## 3. How We Use Your Information
We use your information for the following purposes:
### 3.1 Service Delivery
- Processing and evaluating debt recovery claims.
- Communicating with you regarding your account and claims.
- Executing Limited Powers of Attorney via online notarization.
- Collecting debts on your behalf.
- Processing payments and disbursing funds.
### 3.2 Legal and Regulatory Compliance
- Complying with the Fair Debt Collection Practices Act (FDCPA), Texas Finance Code, and other applicable laws.
- Responding to lawful requests from government authorities.
- Establishing, exercising, or defending legal claims.
- Detecting and preventing fraud, abuse, or illegal activity.
### 3.3 Business Operations
- Managing your account and providing customer support.
- Improving our Site and Services.
- Sending administrative notices, updates, and security alerts.
- Conducting analytics and research (using anonymized or aggregated data).
### 3.4 Communication
- Responding to your inquiries and requests.
- Sending service-related notifications (e.g., claim status updates, fee disclosures).
- As permitted by law, sending marketing communications about our Services. You may opt out of marketing communications at any time.
## 4. How We Share Your Information
We may share your information with the following categories of third parties:
### 4.1 Service Providers
| Provider Type | Purpose | Data Shared |
|---------------|---------|-------------|
| **Online Notary Services** | Remote Online Notarization (RON) of LPOA documents | Name, ID documents, video/audio of notarization session, digital signature |
| **Certified Mail Services** | Service of legal process and demand letters | Debtor name and address, correspondence content |
| **Payment Processors** | Disbursement of collected funds | Name, bank account/routing number, payment amount |
| **Legal Counsel** | Legal advice, litigation, and compliance | Claim documents, debtor information, correspondence records |
| **IT and Cloud Services** | Data storage, hosting, and security | All categories of data stored on our systems |
| **Analytics Providers** | Website analytics (anonymized) | Aggregated, non-identifiable website usage data |
### 4.2 Cloudflare Turnstile
This website uses Cloudflare Turnstile, a free bot detection service provided by Cloudflare, Inc., to protect against spam and abusive traffic. Turnstile collects certain device and network information (including IP address, browser type, operating system, and user agent) solely for the purpose of security verification. This processing is governed by the [Cloudflare Turnstile Privacy Addendum](https://www.cloudflare.com/turnstile/privacy/). By submitting forms on this site, you acknowledge and agree to the processing of this data by Cloudflare.
### 4.3 Legal and Regulatory Disclosures
We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to:
- Comply with a legal obligation, court order, or governmental request.
- Protect and defend the rights, property, or safety of DRE, our clients, or others.
- Investigate, prevent, or take action regarding suspected fraud or illegal activity.
- Enforce our Terms of Service or other agreements.
### 4.4 Business Transfers
In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you of any such change in ownership or control.
### 4.5 With Your Consent
We may share your information with third parties when you have given us explicit consent to do so.
### 4.6 We Do Not Sell Your Information
DRE does not sell, rent, or trade your personal information to third parties for their own marketing purposes. This includes compliance with the Texas Data Privacy and Security Act and similar state laws.
## 5. Data Security
We implement reasonable and appropriate technical, administrative, and physical security measures to protect your information from unauthorized access, disclosure, alteration, or destruction. These measures include:
### 5.1 Technical Safeguards
- **Encryption:** Data is encrypted in transit using TLS/SSL protocols and at rest using AES-256 encryption.
- **Access Controls:** Role-based access controls restrict data access to authorized personnel only.
- **Firewalls and Intrusion Detection:** Network security measures to prevent unauthorized access.
- **Multi-Factor Authentication:** Required for administrative access to systems containing sensitive data.
- **Regular Security Assessments:** Periodic vulnerability scans and penetration testing.
### 5.2 Administrative Safeguards
- Employee training on data privacy and security practices.
- Written information security policies and procedures.
- Background checks for employees with access to sensitive data.
- Incident response plan for data breaches.
### 5.3 Physical Safeguards
- Secure data center facilities with restricted access.
- Locked storage for physical documents (if applicable).
### 5.4 No Guarantee
While we take security seriously, **no method of transmission or storage is 100% secure.** We cannot guarantee absolute security of your information.
## 6. Data Retention and Deletion
### 6.1 Retention Periods
We retain your information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.
| Data Type | Retention Period | Rationale |
|-----------|-----------------|-----------|
| Account information | Duration of account + 3 years | Business records and legal compliance |
| Claim documentation | 5 years after claim closure | Statute of limitations, legal defense |
| Notarization records | As required by Texas notary law | Texas Government Code Chapter 406 |
| Financial/payment records | 7 years | IRS and tax compliance |
| Communications | 3 years | Dispute resolution and legal compliance |
| Website analytics (anonymized) | 2 years | Business analysis |
| Log data | 12 months | Security monitoring |
### 6.2 Deletion
Upon expiration of the applicable retention period, your information will be securely deleted or anonymized so that it can no longer be associated with you.
### 6.3 Account Closure
When you close your account or we terminate your account, we will retain your information only as required by applicable law or for legitimate business purposes (e.g., legal holds, dispute resolution). After the required retention period, the data will be securely deleted.
## 7. Your Rights and Choices
Depending on your jurisdiction, you may have the following rights regarding your personal information:
### 7.1 Right to Access
You may request access to the personal information we hold about you, including a copy of the data and information about how we process it.
### 7.2 Right to Correct
You may request that we correct any inaccurate or incomplete personal information we hold about you.
### 7.3 Right to Delete
You may request that we delete your personal information, subject to certain exceptions (e.g., legal obligations, active claims, or legitimate business purposes).
### 7.4 Right to Restrict Processing
You may request that we restrict the processing of your information in certain circumstances.
### 7.5 Right to Data Portability
You may request a copy of your data in a structured, commonly used, machine-readable format.
### 7.6 Right to Object
You may object to the processing of your information for direct marketing purposes at any time.
### 7.7 Texas Privacy Rights
If you are a Texas resident, the Texas Data Privacy and Security Act (effective July 1, 2024) may provide you with additional rights regarding your personal data, including the right to opt out of targeted advertising and profiling. DRE does not engage in targeted advertising or profiling that triggers these additional rights.
### 7.8 How to Exercise Your Rights
To exercise any of these rights, please contact us using the information in Section 14. We will respond to your request within **forty-five (45) calendar days**, as required by applicable law. We may need to verify your identity before processing your request.
## 8. Texas Privacy Law Compliance
DRE complies with applicable Texas privacy laws, including:
- **Texas Finance Code Chapter 392** (Debt Collection): Governing the collection of debts from Texas consumers.
- **Texas Business and Commerce Code Chapter 541** (Identity Theft): Regarding the protection of personal identifying information.
- **Texas Data Privacy and Security Act** (Tex. Bus. & Com. Code § 541.001 et seq.): Governing the processing of personal data of Texas residents.
- **Texas Government Code § 406.101 et seq.** (Remote Online Notarization): Governing the retention and handling of notarization records.
## 9. Cookie Policy
### 9.1 What Are Cookies?
Cookies are small text files placed on your device when you visit a website. They help the website function properly, improve user experience, and provide analytics.
### 9.2 Types of Cookies We Use
| Cookie Type | Purpose | Duration |
|-------------|---------|----------|
| **Essential/Strictly Necessary** | Required for Site functionality (login, security, navigation) | Session / persistent |
| **Functional** | Remember preferences and settings | Persistent (up to 1 year) |
| **Analytics/Performance** | Understand how visitors use the Site (page views, load times, error reports) | Persistent (up to 2 years) |
| **Marketing** | Not used. DRE does not use tracking cookies for advertising or targeted marketing. | N/A |
### 9.3 Analytics Providers
We may use services such as Google Analytics or similar providers to collect anonymized information about Site usage. These providers use cookies that do not directly identify you.
### 9.4 Your Choices
Most browsers allow you to control cookies through browser settings. You may block or delete cookies, but this may affect Site functionality. To opt out of Google Analytics, visit: https://tools.google.com/dlpage/gaoptout.
## 10. Children's Privacy
Our Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If we learn that we have collected personal information from a child under 18, we will take steps to delete that information promptly.
## 11. Third-Party Links
Our Site may contain links to third-party websites or services (e.g., notary platforms, payment processors). This Privacy Policy does not apply to those third parties. We encourage you to review the privacy policies of any third-party services you use.
## 12. Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Effective Date." Material changes will be communicated via email (if we have your email address) or through a notice on the Site. Your continued use of the Services after changes take effect constitutes acceptance of the updated Privacy Policy.
## 13. Data Breach Notification
In the event of a data breach that compromises your personal information, DRE will:
1. Notify you without unreasonable delay, consistent with the legitimate needs of law enforcement.
2. Provide information about the nature of the breach, the types of data involved, and steps we are taking to address it.
3. Comply with all applicable breach notification laws, including those under Texas law.
## 14. Contact Information
If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact us:
**Debt Recovery Experts (DRE)**
[Address to be inserted]
[City, TX Zip Code]
Email: [Privacy email to be inserted]
Phone: [Phone to be inserted]
**Data Protection Contact:** [Name/Title to be inserted]
## 15. Complaints
If you believe we have violated your privacy rights, you have the right to file a complaint with:
**Texas Attorney General**
Consumer Protection Division
P.O. Box 12548
Austin, TX 78711-2548
Phone: (800) 621-0508
Website: https://www.texasattorneygeneral.gov
---
## ⚠️ FINAL DISCLAIMER
**THIS IS A DRAFT DOCUMENT. IT HAS NOT BEEN REVIEWED OR APPROVED BY ANY ATTORNEY. IT IS PROVIDED FOR DISCUSSION AND REVIEW PURPOSES ONLY.**
**BEFORE USING THIS DOCUMENT:**
1. A licensed Texas attorney must review and approve this Privacy Policy.
2. All bracketed fields ([Address], [Email], [Phone], etc.) must be completed.
3. The Texas Data Privacy and Security Act compliance provisions (Section 8 and Section 7.7) should be reviewed to ensure they align with the attorney's interpretation of the Act.
4. Cookie policy disclosures should be reviewed for compliance with evolving state and federal law.
5. Data retention periods should be confirmed against specific legal requirements for debt collection businesses in Texas.
6. Consider whether additional state-specific privacy notices are required for clients in other states.
---
**© 2026 Debt Recovery Experts (DRE). All rights reserved.**
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# Terms of Service — Debt Recovery Experts (DRE)
**Website:** https://debtrecoveryexperts.com
**Business Name:** Debt Recovery Experts (DRE)
**Jurisdiction:** State of Texas, USA
**Draft Date:** July 7, 2026
**Status:** ⚠️ **DRAFT — FOR LEGAL REVIEW ONLY**
> **IMPORTANT DISCLAIMER:** This document is a draft prepared for initial review and discussion. It has **not** been reviewed or approved by a licensed attorney. It **must** be reviewed, edited, and approved by a licensed Texas attorney before being used, posted, or presented to any client, customer, or third party. Debt Recovery Experts (DRE) assumes no liability for the use of this draft prior to legal review.
---
## 1. Introduction and Acceptance
Welcome to Debt Recovery Experts ("DRE," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of the website located at https://debtrecoveryexperts.com (the "Site") and the debt recovery services offered through the Site (collectively, the "Services").
By accessing the Site, creating an account, submitting a claim, or otherwise using the Services, you ("Client," "you," or "your") agree to be bound by these Terms. If you do not agree to all of these Terms, you must not access the Site or use the Services.
**THESE TERMS CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER THAT AFFECT YOUR LEGAL RIGHTS. PLEASE READ SECTIONS 15 AND 16 CAREFULLY.**
## 2. Services Overview
DRE provides commercial and consumer debt recovery services to contractors, owner-operators, small businesses, and individuals. The Services include:
- **Claim Submission:** Clients submit unpaid debt claims through DRE's online portal, including uploading supporting documentation.
- **Claim Review:** DRE reviews submitted claims to assess viability of recovery.
- **Limited Power of Attorney (LPOA):** If a claim is accepted, the Client executes a Limited Power of Attorney authorizing DRE to act on the Client's behalf to collect the debt. The LPOA is executed via Remote Online Notarization (RON).
- **Debt Collection:** DRE contacts the debtor, negotiates payment, and collects the debt on the Client's behalf.
- **Disbursement:** Upon successful collection, DRE deducts its fee and disburses the remaining balance to the Client.
## 3. Eligibility and Account Registration
### 3.1 Eligibility
To use the Services, you represent and warrant that:
- You are at least 18 years of age and have the legal capacity to enter into a binding contract.
- You are the rightful owner or authorized agent of the owner of the debt claim you submit.
- You are not located in a jurisdiction where the Services are prohibited by law.
- You have not been previously suspended or removed from the Services.
### 3.2 Account Registration
You must create an account to use the Services. You agree to:
- Provide accurate, current, and complete information during registration.
- Maintain and promptly update your account information.
- Maintain the confidentiality of your login credentials.
- Notify DRE immediately of any unauthorized use of your account.
- Accept all responsibility for activity that occurs under your account.
DRE reserves the right to reject or terminate any account at its sole discretion.
## 4. Claim Submission and Acceptance
### 4.1 Submission Process
To submit a claim, you must provide:
- Complete debtor information (name, address, and contact details).
- Documentation substantiating the debt (contracts, invoices, statements, correspondence, or other evidence).
- Any other information DRE reasonably requests to evaluate the claim.
### 4.2 Claim Review and Acceptance
DRE will review submitted claims and, in its sole discretion, determine whether to accept the claim for collection. DRE is under no obligation to accept any claim. Factors affecting acceptance include, but are not limited to:
- Age of the debt and applicable statutes of limitation.
- Sufficiency of supporting documentation.
- Likelihood of successful recovery.
- Debtor solvency and location.
- Compliance with applicable laws, including the Texas Finance Code and the federal Fair Debt Collection Practices Act (FDCPA).
### 4.3 Rejected Claims
If DRE rejects a claim, you will be notified in writing. DRE may, at its option, provide suggestions or alternative options. DRE is not liable for any loss resulting from a rejected claim.
## 5. Limited Power of Attorney (LPOA) and Online Notarization
### 5.1 Execution of LPOA
If DRE accepts a claim, you will be required to execute a Limited Power of Attorney (LPOA) authorizing DRE to:
- Communicate with the debtor regarding the debt.
- Negotiate, accept, and receive payment on your behalf.
- Endorse and deposit checks or other instruments made payable to you.
- Execute settlement agreements and releases.
- Take other lawful actions necessary to collect the debt.
### 5.2 Scope and Limitations
The LPOA is strictly limited to the specific debt claim identified in the LPOA and does not grant general authority over your affairs. The LPOA will terminate upon the earliest of:
- Successful collection and disbursement of the debt.
- Revocation by you in writing (subject to Section 5.4).
- Termination of these Terms or the applicable service agreement.
### 5.3 Remote Online Notarization (RON)
The LPOA will be executed through a Remote Online Notarization (RON) process in compliance with Texas law (Texas Government Code § 406.101 et seq. and Texas Administrative Rules governing notary public). You agree to:
- Present valid government-issued identification during the notarization session.
- Appear via live audio-video communication.
- Acknowledge your signature willingly and without duress.
- Pay any applicable RON fee, which will be disclosed prior to notarization.
### 5.4 Revocation
You may revoke the LPOA at any time by providing written notice to DRE. However, revocation does not affect actions taken by DRE prior to receipt of the revocation. DRE retains the right to recover its fees and costs incurred prior to revocation.
## 6. Fees and Payment
### 6.1 Fee Structure
DRE charges a fee for its Services, calculated as a percentage of the amount collected ("Success Fee"). The specific fee percentage will be disclosed in the service agreement for each accepted claim. Fees may vary based on the age, amount, and complexity of the debt.
### 6.2 Fee Disclosure
DRE will provide clear written disclosure of all fees before you execute the LPOA. Fees will be disclosed in compliance with the Texas Finance Code and applicable federal law.
### 6.3 No Upfront Fees
DRE does not charge upfront fees for its Services. Fees are deducted only from amounts actually collected from the debtor. If no recovery is made, no fee is owed.
### 6.4 Disbursement
Upon successful collection, DRE will:
1. Deduct the agreed Success Fee.
2. Deduct any third-party costs (e.g., certified mail fees, court costs, RON fees) as disclosed to you.
3. Remit the remaining balance to you via the payment method you selected during registration.
Disbursements will be made within **thirty (30) calendar days** of receipt of cleared funds, unless otherwise stated in your service agreement.
### 6.5 Third-Party Costs
Certain costs may be incurred during the collection process, including but not limited to:
- Certified mail and service of process fees.
- Court filing fees.
- Online notarization fees.
- Attorney fees (if referral to legal counsel is necessary).
These costs will be disclosed before they are incurred and may be deducted from the collected amount.
## 7. Client Representations and Warranties
You represent and warrant that:
7.1 You are the lawful owner or authorized agent of the owner of the debt claim submitted.
7.2 The debt claim is valid, enforceable, and not barred by any applicable statute of limitations.
7.3 All information and documentation you provide is true, accurate, and complete to the best of your knowledge.
7.4 The debt has not been previously assigned, sold, or transferred to another party.
7.5 You have not and will not take any action that would impair DRE's ability to collect the debt during the term of the LPOA.
7.6 You have not filed for bankruptcy and are not subject to any bankruptcy proceeding that would affect the debt claim.
7.7 You will promptly notify DRE of any payment received directly from the debtor.
## 8. Client Obligations
You agree to:
8.1 Cooperate with DRE in its efforts to collect the debt, including providing additional information or documentation as reasonably requested.
8.2 Not communicate directly with the debtor regarding the debt after executing the LPOA without DRE's prior written consent.
8.3 Not settle the debt or accept payment directly without DRE's written consent.
8.4 Review all documents provided by DRE promptly and notify DRE of any errors or concerns.
8.5 Maintain accurate records of all communications and transactions related to your claim.
## 9. DRE's Rights and Obligations
### 9.1 Collection Methods
DRE will use commercially reasonable efforts to collect debts. Collection methods may include:
- Written demand letters.
- Telephone calls and electronic communications.
- Negotiation of payment plans or settlements.
- Referral to legal counsel.
- Other lawful means.
### 9.2 Compliance with Law
DRE will conduct all collection activities in compliance with:
- The federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.
- The Texas Finance Code, including Chapter 392 (Debt Collection).
- The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227.
- All other applicable federal, state, and local laws.
### 9.3 Service of Process
If legal action is necessary and agreed upon, service of process may be effected via certified mail, return receipt requested, or as otherwise permitted by applicable law.
### 9.4 Discretion
DRE retains sole discretion over collection strategies, settlement amounts, and whether to pursue legal action.
## 10. Dispute Resolution Process
### 10.1 Internal Dispute Resolution
If you have a dispute regarding our Services, fees, or any other matter, you must first notify DRE in writing at the contact address provided on the Site. DRE will review your dispute and respond within **thirty (30) calendar days**.
### 10.2 Debtor Disputes
If a debtor disputes the validity of the debt, DRE will:
- Cease collection activities pending verification of the debt.
- Provide the debtor with verification of the debt as required by the FDCPA.
- Notify you of the dispute and request supporting documentation.
### 10.3 Binding Arbitration
Except for claims excluded in Section 10.5, any dispute arising out of or relating to these Terms, the Services, or any claim submitted to DRE shall be resolved by **binding individual arbitration** administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable.
### 10.4 Arbitration Procedure
- The arbitration shall be conducted in **Travis County, Texas**, unless otherwise agreed by the parties.
- The arbitration shall be conducted by a single neutral arbitrator.
- The arbitrator's decision shall be final and binding and may be entered in any court having jurisdiction.
- Each party shall bear its own costs and attorney fees, unless the arbitrator determines that an award of fees is warranted under applicable law.
### 10.5 Exceptions to Arbitration
The following claims are not subject to arbitration:
- Claims brought in small claims court (if they qualify).
- Claims for injunctive or equitable relief regarding the unauthorized use of the Services or intellectual property.
- Claims under the FDCPA or Texas Finance Code that, by law, cannot be compelled to arbitration.
### 10.6 Governing Law for Disputes
These Terms and any disputes arising hereunder shall be governed by and construed in accordance with the laws of the **State of Texas**, without regard to its conflict of laws principles.
## 11. Limitation of Liability
**TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:**
11.1 **No Liability for Unsuccessful Collection.** DRE makes no guarantee or warranty that any debt will be collected. You acknowledge that collection outcomes depend on factors beyond DRE's control, including the debtor's financial condition and willingness to pay.
11.2 **Limitation of Damages.** IN NO EVENT SHALL DRE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF BUSINESS OPPORTUNITY, OR LOSS OF DATA, ARISING OUT OF OR RELATING TO THE SERVICES, EVEN IF DRE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
11.3 **Cap on Liability.** DRE'S TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES SHALL NOT EXCEED THE LESSER OF: (A) THE AMOUNT OF FEES ACTUALLY PAID BY YOU TO DRE FOR THE SPECIFIC CLAIM GIVING RISE TO THE LIABILITY, OR (B) FIVE HUNDRED DOLLARS ($500.00).
11.4 **Jurisdictional Limitations.** Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, DRE's liability shall be limited to the greatest extent permitted by law.
## 12. Indemnification
You agree to indemnify, defend, and hold harmless DRE, its officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorney fees) arising out of or relating to:
12.1 Your breach of these Terms or any representation or warranty made herein.
12.2 Your submission of false, fraudulent, or inaccurate information.
12.3 Your violation of any applicable law, including but not limited to the FDCPA and Texas Finance Code.
12.4 Your direct communication with a debtor after the LPOA is in effect without DRE's prior written consent.
12.5 Any claim that the debt submitted is invalid, unenforceable, or not owned by you.
12.6 Any act or omission by you that impairs DRE's ability to collect the debt.
## 13. Intellectual Property
### 13.1 Site Content
All content on the Site, including text, graphics, logos, software, and documentation, is the property of DRE or its licensors and is protected by copyright, trademark, and other intellectual property laws.
### 13.2 License
DRE grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Services for their intended purpose.
### 13.3 Restrictions
You may not:
- Copy, modify, distribute, or create derivative works of Site content without DRE's written consent.
- Use any data mining, robots, or similar data-gathering tools.
- Reverse engineer any aspect of the Site or Services.
## 14. Privacy
Your use of the Services is subject to DRE's Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy describes how DRE collects, uses, stores, and shares your personal information.
## 15. Termination
### 15.1 Termination by Client
You may terminate your account at any time by providing written notice to DRE. Termination does not affect:
- Obligations under any active LPOA.
- Fees owed for services already rendered.
- Sections of these Terms that by their nature survive termination.
### 15.2 Termination by DRE
DRE may suspend or terminate your access to the Services at any time, with or without cause, including if DRE reasonably believes you have violated these Terms. DRE will provide notice of termination where practicable.
### 15.3 Effect of Termination
Upon termination:
- You must cease using the Services.
- DRE may close your account and delete your data in accordance with its Privacy Policy.
- Active collection efforts on pending claims will cease, and DRE will execute a termination of the LPOA.
- DRE retains the right to collect its fees for work performed prior to termination.
## 16. General Provisions
### 16.1 Entire Agreement
These Terms, together with the Privacy Policy and any service agreement executed for a specific claim, constitute the entire agreement between you and DRE regarding the Services.
### 16.2 Amendment
DRE reserves the right to modify these Terms at any time. Changes will be effective upon posting to the Site. Material changes will be communicated via email or Site notice. Continued use of the Services after changes constitutes acceptance of the modified Terms.
### 16.3 Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
### 16.4 Waiver
Failure by DRE to enforce any provision of these Terms shall not constitute a waiver of that provision.
### 16.5 Assignment
You may not assign your rights or obligations under these Terms without DRE's written consent. DRE may assign these Terms without restriction.
### 16.6 Notices
All notices required under these Terms shall be in writing and sent to the contact information provided on the Site. Notices to you will be sent to the email address associated with your account.
### 16.7 Force Majeure
DRE shall not be liable for delays or failures in performance resulting from causes beyond its reasonable control, including acts of God, natural disasters, war, civil unrest, pandemics, government actions, or internet outages.
## 17. Contact Information
For questions, disputes, or notices under these Terms, contact DRE at:
**Debt Recovery Experts (DRE)**
[Address to be inserted]
[City, TX Zip Code]
Email: [Email to be inserted]
Phone: [Phone to be inserted]
---
## ⚠️ FINAL DISCLAIMER
**THIS IS A DRAFT DOCUMENT. IT HAS NOT BEEN REVIEWED OR APPROVED BY ANY ATTORNEY. IT IS PROVIDED FOR DISCUSSION AND REVIEW PURPOSES ONLY.**
**BEFORE USING THIS DOCUMENT:**
1. A licensed Texas attorney must review and approve these Terms.
2. All bracketed fields ([Address], [Email], [Phone]) must be completed.
3. The arbitration provisions in Section 10 should be reviewed for enforceability under current Texas and federal law.
4. The limitation of liability in Section 11 should be reviewed for compliance with the Texas Finance Code and FDCPA, which may impose limits on contractual liability limitations for debt collectors.
5. Ensure compliance with the Texas Debt Collection Act (Texas Finance Code Chapter 392) and any applicable regulatory requirements.
6. Consider whether any state-specific notices or disclosures are required.
---
**© 2026 Debt Recovery Experts (DRE). All rights reserved.**
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# Documenso vs DocuSeal: Self-Hosted Document Signing Comparison
**Context:** Debt recovery web portal needing digital signatures on service agreements, disbursement authorizations, and internal approvals. Requires REST API, webhooks, multi-party signing, and Docker-based self-hosting on Debian.
---
## 1. Community & Project Health
| Metric | Documenso | DocuSeal |
|---|---|---|
| **GitHub Stars** | 13,664 | **17,469** |
| **GitHub Forks** | 2,868 | 1,694 |
| **Contributors** | **~181** | ~6 |
| **Open Issues** | 211 | 121 |
| **Total Releases** | 52 | **160** |
| **Latest Release** | v2.14.0 (Jun 28, 2026) | v3.1.3 (Jul 6, 2026) |
| **Docker Pulls** | ~505K | **~1.74M** |
| **Docker Image Size** | ~690 MB | **~227 MB** |
| **License** | AGPL-3.0 | AGPL-3.0 + Additional Terms |
| **Language** | TypeScript (Next.js) | Ruby (Rails) |
**Winner: DocuSeal** has more stars, more releases, and far more Docker pulls (3.4×). However, Documenso has many more contributors (181 vs 6), suggesting a larger community contribution base.
---
## 2. Self-Hosting (Docker on Debian)
| Aspect | Documenso | DocuSeal |
|---|---|---|
| **Docker Command** | Multi-step — requires external DB | Single command: `docker run -p 3000:3000 -v.:/data docuseal/docuseal` |
| **Database** | PostgreSQL 14+ only (mandatory) | **SQLite by default** + PostgreSQL/MySQL optional |
| **Image Size** | ~690 MB (Node.js + dependencies) | **~227 MB** (Ruby + Rails — leaner) |
| **Docker Compose** | Not in main repo (404) — must construct from docs | **Full docker-compose.yml** in repo with Caddy TLS, PostgreSQL |
| **Prerequisites** | PostgreSQL, SMTP, signing certificate (required) | None beyond Docker (SQLite built-in) |
| **Storage** | S3-compatible recommended for prod | Disk, S3, Google Storage, or Azure Cloud |
| **Signing Certificate** | Must generate manually — signing fails without one | Handled automatically |
| **Updates** | Manual — pull new image, run migrations | Auto DB migration on boot |
| **Arch Support** | amd64 + arm64 | amd64 + arm64 |
| **Setup Time Estimate** | 30-60 min | 5-15 min |
**Winner: DocuSeal** — dramatically simpler to deploy. Single `docker run` with SQLite works out of the box. Smaller image (⅓ the size). No mandatory signing certificate setup. Ideal for small-to-mid scale deployments.
---
## 3. API Quality
| Aspect | Documenso | DocuSeal |
|---|---|---|
| **API Base** | `/api/v2` — REST | REST API |
| **Auth** | Bearer token in `Authorization` header | `X-Auth-Token` header |
| **API Reference** | OpenAPI reference at openapi.documenso.com | OpenAPI spec + Postman collection |
| **Webhooks** | ✅ Document events — documented | ✅ Document events with auto-retry (48h, exponential backoff) |
| **SDKs** | None official (API docs only) | **React, Vue, Angular, vanilla JS** embedding SDKs |
| **API Endpoints** | Documents, Recipients, Fields, Templates, Teams | Submissions, Templates, Documents, Authors |
| **API Versioning** | v2 (current) | Rolling releases |
| **API For Automation** | Fully featured REST | Fully featured REST |
**Winner: DocuSeal** — has official embedding SDKs for React, Vue, Angular, and JavaScript, which directly addresses the "embed signing in a portal" requirement. Also has more mature webhook retry logic.
---
## 4. Features
| Feature | Documenso | DocuSeal |
|---|---|---|
| **Multi-Party Signing** | ✅ (Recipients with roles) | ✅ (Multiple submitters per document) |
| **Templates** | ✅ | ✅ (PDF/DOCX with field tags + HTML API) |
| **Audit Trail** | ✅ (X.509 signed audit logs) | ✅ |
| **White-Label / Branding** | ✅ (Paid tier) | ✅ (Pro tier) |
| **WYSIWYG Form Builder** | ✅ | ✅ (12 field types incl. Signature, Date, File, Checkbox) |
| **Bulk Send** | ❌ (not mentioned) | ✅ (CSV/XLSX spreadsheet import) |
| **Conditional Fields** | ❌ (not mentioned) | ✅ (Pro feature) |
| **Formulas** | ❌ (not mentioned) | ✅ (Pro feature) |
| **SMS Verification** | ❌ | ✅ (Pro) |
| **SSO/SAML** | ✅ (Enterprise) | ✅ (Pro) |
| **Signed PDF Download via API** | ✅ (v2.14.0) | ✅ |
| **Embedded Signing** | ✅ (white-label paid) | ✅ (React, Vue, Angular, JS SDKs) |
| **API Document Count** | Unlimited (self-hosted) | $0.20/doc via API (Pro plan) |
| **Multi-Language** | ✅ (i18n with Lingui) | ✅ (7 UI languages, 14 signing languages) |
**Winner: DocuSeal** — more features overall (conditional fields, formulas, bulk send, SMS verification, more embedding SDKs). Documenso is catching up but lags on the automation/document processing features.
---
## 5. Pricing (Self-Hosted)
| Aspect | Documenso | DocuSeal |
|---|---|---|
| **Self-Hosted Core** | Free (AGPL-3.0) | Free (AGPL-3.0) |
| **Self-Hosted Pro** | ~$300-480/yr (billed yearly) — Includes 5 users, $8/mo additional | $20/user/month — API key included |
| **Self-Hosted Enterprise** | ~$3,000/yr — White-label, SSO, premium support | Enterprise — custom pricing |
| **API Documents** | Unlimited (self-hosted) | $0.20/document via API (usage-based) |
| **No-Cost Path** | Full-featured self-hosted (AGPL) but signing cert required, harder setup | Full-featured self-hosted (AGPL) with easy setup, SQLite |
| **Cloud SaaS** | Free (5 docs/mo), Pro $25/mo, Team $40/mo, Enterprise $250/mo | Free tier, Pro $20/user/mo, API $0.20/doc |
**Winner: DocuSeal** for most cases — simpler self-hosting means lower operational cost. The $0.20/doc API pricing is only if you use the Pro plan's API features; the base AGPL self-host is completely free.
**Documenso** self-hosted Pro is ~$300/yr for 5 users ($8/mo extra per user) — good for larger teams.
---
## 6. Legal Compliance
| Regulation | Documenso | DocuSeal |
|---|---|---|
| **ESIGN Act (US)** | ✅ Documented compliance page | ✅ Mentioned |
| **UETA (US)** | ✅ Documented | ✅ Mentioned |
| **eIDAS (EU)** | ✅ Simple, Advanced, Qualified signatures | ✅ EU Qualified Signature mentioned |
| **SOC 2** | ✅ Documented | ❌ Not prominently documented |
| **21 CFR Part 11** | ✅ Documented | ❌ Not prominently documented |
| **GDPR** | ✅ Dedicated page | ✅ Mentioned |
| **Signature Certificates** | X.509 certificates for cryptographic proof | ✅ PDF eSignature with digital certificates |
**Winner: Documenso** — has more comprehensive compliance documentation with dedicated pages for ESIGN, UETA, eIDAS, SOC 2, 21 CFR Part 11, and GDPR. DocuSeal mentions compliance but has less detailed documentation.
---
## 7. Integration into a Web Portal
| Requirement | Documenso | DocuSeal |
|---|---|---|
| **REST API** | ✅ | ✅ |
| **Webhook Notifications** | ✅ | ✅ with auto-retry |
| **Embedded Signing** | ✅ (white-label, paid) | ✅ (React, Vue, Angular, JS — all open-source SDK repos) |
| **Embedded Form Builder** | ❌ | ✅ (React, Vue, Angular) |
| **API-first Templates** | ✅ (via API) | ✅ (PDF/DOCX field tags + HTML API) |
| **Portal-Friendly URLs** | ✅ (generate signing links) | ✅ (generate signing links) |
**Winner: DocuSeal** — open-source embedding SDKs for multiple frameworks makes portal integration significantly easier.
---
## Overall Recommendation
### Recommended: **DocuSeal** for a debt recovery portal
**Why DocuSeal wins for your use case:**
| Factor | Verdict |
|---|---|
| **Deployment simplicity** | Single `docker run` on Debian with SQLite — 5 minutes to deploy. Documenso requires PostgreSQL setup, signing certificate, S3 storage — significantly more ops overhead. |
| **Portal integration** | Official React/Vue/Angular/JS embedding SDKs — directly embed signing into your portal without reinventing UI. Documenso has embedding but only in paid tier. |
| **Operational cost** | Self-hosted core is free (AGPL). Base deployment with SQLite has near-zero ops cost. |
| **Feature set** | More features for document automation: conditional fields, formulas, bulk CSV send — useful for debt recovery workflows. |
| **API maturity** | Proven REST API with webhook auto-retry + embedded signing SDKs. |
| **Resource footprint** | 227MB Docker image vs Documenso's 690MB — lighter on your Debian server. |
**When you might pick Documenso instead:**
- You need SOC 2 or 21 CFR Part 11 compliance documentation (DocuSeal doesn't prominently document these)
- You have a TypeScript/Node.js team and want to contribute or customize the source code (181 contributors)
- You need large-scale team management with more granular user roles
- You want unlimited API documents without per-document fees
**Hybrid approach:** Start with DocuSeal's self-hosted (easy setup, fast deployment). If you later need SOC 2 compliance documentation or hit the Pro plan's $0.20/document API pricing at scale, migrate to Documenso — both use the same AGPL-3.0 license so there's no lock-in concern.
### Summary Table
| Category | Documenso | DocuSeal | Winner |
|---|---|---|---|
| Community | 13.6K stars, 181 contributors | 17.5K stars, 6 contributors | Draw |
| Self-Hosting | Complex (PG + cert + S3) | **Trivial** (SQLite, one command) | **DocuSeal** |
| Docker Image | 690 MB | **227 MB** | **DocuSeal** |
| API Quality | Good REST + OpenAPI | **Excellent** REST + SDKs + retry | **DocuSeal** |
| Features | Good core | **More features** (bulk, conditional, formulas) | **DocuSeal** |
| Compliance Docs | **Comprehensive** (SOC2, CFR21) | Basic | **Documenso** |
| Pricing | Free AGPL, Pro $300/yr | Free AGPL, Pro $20/user/mo | Draw |
| Portal Integration | Embedding in paid tier | **Free embedding SDKs** | **DocuSeal** |
---
*Data gathered July 7, 2026 from GitHub API, Docker Hub, and project documentation sites.*