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Backend Aug 22-25: AI analysis, welcome-packet templating, LetterStream, DocuSeal, staff RBAC + tier gate

Browse Source 
- analysis.py: deterministic claim scorer + /analyze /approve /letter /advance-tier endpoints (auto-runs on intake)
- packet.py + packet_fields.json: welcome-packet templating engine (6 onboarding docs, field catalog)
- letterstream.py + letters.py: certified-mail send pipeline + letter lifecycle (webhook verified)
- docuseal.py: DocuSeal signing integration
- staff.py/models.py/schema.sql/auth.py: approval actor from staff key, tier gate (APPROVED+ACTIVE+onboarding docs), onboarding_docs table
- frontend/: dependency-free static portal (intake, magic-link login/verify, dashboard)
- landing-mockups/: 4 design-stance mockups + favicons
- legal/: aup/privacy/sms-terms/terms HTML
- docs/: letter-queue scope, letterstream API contract, 6 welcome-packet templates
- review-dre-landing-2026-08-21.md: 3-variant landing feedback sprint
- compliance/DRE_Compliance_Manual.md: updated

Source synced from deployed /opt/dre-portal/app/ (was 4 days ahead of git).
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2026-08-26 02:26:33 -04:00
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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Acceptable Use Policy — Debt Recovery Experts</title>
<link rel="icon" href="/favicon.svg" type="image/svg+xml">
<link rel="icon" href="/favicon-32.png" type="image/png" sizes="32x32">
<link rel="apple-touch-icon" href="/favicon-180.png">
<link rel="preconnect" href="https://fonts.googleapis.com">
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=Inter:wght@400;500;600&display=swap" rel="stylesheet">
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margin: 0;
font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
color: var(--navy-900);
background: var(--paper);
line-height: 1.7;
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border-bottom: 3px solid var(--gold);
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width: 34px; height: 34px; border: 1px solid var(--gold);
display: flex; align-items: center; justify-content: center;
color: var(--gold); font-family: 'Source Serif 4', serif; font-weight: 600;
font-size: 15px; border-radius: 3px;
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.topbar .brand .name { color: var(--white); font-family: 'Source Serif 4', serif; font-weight: 600; font-size: 17px; }
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.topbar a.back:hover { border-color: var(--gold); color: var(--white); }
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h1 {
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.effective { color: var(--slate-500); font-size: 13px; margin: 0 0 28px; }
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.content hr { border: none; border-top: 1px solid var(--line); margin: 30px 0; }
.content strong { color: var(--navy-900); }
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background: var(--navy-950); color: var(--slate-400); font-size: 12.5px;
padding: 32px 24px; margin-top: 40px;
}
.footer .inner { max-width: 820px; margin: 0 auto; }
.footer .miranda { margin-bottom: 16px; line-height: 1.6; }
.footer .links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer .links a { color: var(--slate-200); text-decoration: none; }
.footer .links a:hover { color: var(--gold); }
</style>
</head>
<body>
<header class="topbar">
<div class="brand">
<span class="mark">DRE</span>
<span class="name">Debt Recovery Experts</span>
</div>
<a class="back" href="https://debtrecoveryexperts.com/">&larr; Back to site</a>
</header>
<div class="wrap">
<h1>Acceptable Use Policy</h1>
<p class="effective">Effective date: August 22, 2026</p>
<div class="content">
<p><strong>Paste into WordPress page titled "Acceptable Use Policy" | Last Updated: July 25, 2026</strong></p>
<hr />
<p>This Acceptable Use Policy ("AUP") is incorporated into the DRE Terms of Use. It defines acceptable and prohibited conduct when using the DRE website (https://debtrecoveryexperts.com), client portal, payment portal, and all related services. Capitalized terms not defined here have the meanings given in the Terms of Use.</p>
<p>Violations of this AUP are violations of the Terms of Use and may result in account suspension or permanent termination.</p>
<hr />
<h2>1. Purpose and Scope</h2>
<p>This AUP applies to all DRE clients (account holders), anyone who accesses or interacts with the DRE platform, and any use of debtor or creditor data obtained through the platform. It covers claim submission, portal usage, communications with DRE, data handling, and all other interactions with the Services.</p>
<p>The rules in this document exist to protect DRE, our clients, and the individuals we interact with during the debt recovery process. By using the Services, you agree to follow them.</p>
<hr />
<h2>2. Acceptable Use</h2>
<h3>2.1 Permitted Uses</h3>
<p>You may use the DRE platform to:</p>
<ul>
<li>Submit legitimate, substantiated commercial debt claims for recovery.</li>
<li>Upload supporting documentation, including contracts, invoices, statements, and correspondence.</li>
<li>Execute Limited Powers of Attorney through the online notarization workflow.</li>
<li>Track claim status and view case details through your client dashboard.</li>
<li>Receive disbursements for debts that have been successfully collected.</li>
<li>Download closed-case documentation and records.</li>
<li>Communicate with DRE staff regarding your active claims.</li>
</ul>
<h3>2.2 Account Security</h3>
<p>You are responsible for maintaining the security of your account. You must:</p>
<ul>
<li>Keep your login credentials confidential and not share them with unauthorized individuals.</li>
<li>Use a strong, unique password for your account and enable multi-factor authentication if offered.</li>
<li>Log out after each session on shared or public devices.</li>
<li>Report any suspected unauthorized access to DRE immediately.</li>
</ul>
<h3>2.3 Accurate Information</h3>
<p>All information you submit — including claim details, debtor information, documentation, and your own account information — must be truthful, accurate, and complete. You must promptly update your information if circumstances change. Submitting claims under false pretenses or using another person's or entity's identity is strictly prohibited.</p>
<hr />
<h2>3. Prohibited Conduct</h2>
<h3>3.1 Harassment and Abusive Behavior</h3>
<p>The following conduct is strictly prohibited:</p>
<ul>
<li>Harassing, threatening, or intimidating DRE staff, agents, or contractors.</li>
<li>Using abusive, profane, or discriminatory language in any communication with DRE.</li>
<li>Repeatedly submitting frivolous, bad-faith, or vexatious claims.</li>
<li>Using the platform to stalk, dox, or intimidate any person.</li>
<li>Any conduct that could reasonably constitute harassment under Texas Penal Code § 42.07 or similar laws.</li>
</ul>
<h3>3.2 Illegal Collection Tactics</h3>
<p>Even if DRE is not directly involved in the communication, you are strictly prohibited from using information obtained through the platform to engage in unlawful collection practices, including:</p>
<ul>
<li>Contacting debtors in violation of the Fair Debt Collection Practices Act (FDCPA) — for example, calling at unreasonable hours (before 8:00 a.m. or after 9:00 p.m. local time), contacting the debtor at work after being told not to, using false or misleading representations, or threatening legal action that is not actually intended.</li>
<li>Violating the Texas Finance Code Chapter 392 — including threatening violence, using obscene or profane language, collecting unauthorized fees, or misrepresenting the character, extent, or amount of a debt.</li>
<li>Violating the Telephone Consumer Protection Act (TCPA) — including using auto-dialed calls or pre-recorded messages to mobile phones without prior express consent.</li>
<li>Impersonating an attorney, law enforcement officer, government official, or any person you are not.</li>
<li>Threatening criminal prosecution, arrest, wage garnishment, or any legal action not authorized by law.</li>
<li>Contacting the debtor's employer, family members, or neighbors about the debt, except as specifically permitted by law to locate the debtor.</li>
<li>Publishing or threatening to publish information about a debtor or their debt (commonly known as "debt shaming").</li>
<li>Using or threatening physical force against any person.</li>
</ul>
<h3>3.3 Fraudulent and Deceptive Conduct</h3>
<p>The following is strictly prohibited:</p>
<ul>
<li>Submitting fabricated, forged, or altered documentation.</li>
<li>Submitting claims for debts that have already been paid, settled, or discharged in bankruptcy.</li>
<li>Submitting claims you know or have reason to know are false, inflated, or unsubstantiated.</li>
<li>Creating multiple accounts to circumvent claim limits, prior suspensions, or fee structures.</li>
<li>Misrepresenting the nature, amount, or legal status of any debt.</li>
<li>Impersonating another person, business, or entity.</li>
<li>Using stolen or synthetic identities.</li>
</ul>
<h3>3.4 Misuse of Debtor Data</h3>
<p>Debtor information obtained through the DRE platform may be used solely for the specific debt recovery claim for which it was provided. You are strictly prohibited from:</p>
<ul>
<li>Using debtor information for any purpose unrelated to the specific claim.</li>
<li>Selling, renting, trading, or otherwise transferring debtor data to any third party.</li>
<li>Using debtor data for marketing, lead generation, competitive intelligence, or any commercial purpose other than the specific recovery claim.</li>
<li>Retaining debtor data after the claim has been closed or your account has been terminated.</li>
<li>Accessing debtor information for claims you are not authorized to manage.</li>
<li>Cross-referencing or aggregating debtor data across unrelated claims.</li>
</ul>
<h3>3.5 Platform Abuse</h3>
<p>You may not:</p>
<ul>
<li>Use bots, scripts, scrapers, or any automated means to submit claims or interact with the platform.</li>
<li>Attempt to bypass rate limits, validation checks, or security controls.</li>
<li>Reverse engineer, decompile, or attempt to extract DRE's proprietary AI models, algorithms, or tools.</li>
<li>Overload, flood, or conduct denial-of-service attacks against the platform.</li>
<li>Probe, scan, or test platform vulnerabilities without DRE's explicit written authorization.</li>
<li>Interfere with other clients' access to or use of the Services.</li>
<li>Transmit malware, viruses, worms, or any malicious code through the platform.</li>
</ul>
<h3>3.6 Credit Bureau and FCRA Misuse</h3>
<p>DRE's Services are primarily for B2B commercial debt recovery. You are strictly prohibited from:</p>
<ul>
<li>Using DRE platform data to report commercial debts to consumer credit bureaus (Equifax, Experian, TransUnion) unless you hold a valid, signed personal guarantee from the debtor individual, you are in full compliance with FCRA furnisher duties under 15 U.S.C. § 1681s-2, and you have made pre-reporting contact with the debtor as required by the FDCPA and CFPB regulations.</li>
<li>Using DRE skip-tracing or debtor research data to obtain consumer credit reports without a permissible purpose under the FCRA.</li>
<li>Reporting debts to credit bureaus without a reasonable basis to believe the information is accurate and complete.</li>
<li>Ignoring debtor disputes or failing to conduct a reasonable investigation as required by FCRA § 1681s-2(b).</li>
</ul>
<h3>3.7 Prohibited Communications</h3>
<p>You may not:</p>
<ul>
<li>Send mass, unsolicited commercial messages (spam) to debtors.</li>
<li>Communicate with debtors at times or places you know, or have reason to know, are inconvenient (such as before 8:00 a.m. or after 9:00 p.m. in the debtor's local time zone), unless the debtor has agreed otherwise.</li>
<li>Continue contacting a debtor who has requested in writing that communications cease, other than to notify the debtor of specific legally permitted actions (e.g., that collection efforts are terminated, or that a specific remedy will be pursued).</li>
<li>Contact a debtor you know to be represented by an attorney regarding the debt — you must direct communications to the attorney instead.</li>
<li>Use DRE templates, letterhead, or branding in any communication not authorized or reviewed by DRE.</li>
</ul>
<hr />
<h2>4. Compliance Expectations</h2>
<h3>4.1 Regulatory Framework</h3>
<p>All users of DRE Services are expected to be familiar with and comply with the following laws and regulations:</p>
<table>
<thead>
<tr>
<th>Regulation</th>
<th>Key Requirements</th>
</tr>
</thead>
<tbody>
<tr>
<td>FDCPA (15 U.S.C. § 1692)</td>
<td>Prohibits harassment, false statements, and unfair practices in debt collection</td>
</tr>
<tr>
<td>Texas Finance Code Ch. 392</td>
<td>Texas state debt collection rules, including criminal penalties for violations</td>
</tr>
<tr>
<td>TCPA (47 U.S.C. § 227)</td>
<td>Requires prior express consent for auto-dialed calls and texts to mobile phones</td>
</tr>
<tr>
<td>FCRA (15 U.S.C. § 1681)</td>
<td>Governs accuracy and dispute handling when reporting to credit bureaus</td>
</tr>
<tr>
<td>Texas Data Privacy Act</td>
<td>Governs data protection and breach notification for Texas residents</td>
</tr>
<tr>
<td>GLBA Safeguards Rule</td>
<td>Requires administrative, technical, and physical safeguards for financial data</td>
</tr>
</tbody>
</table>
<h3>4.2 Best Practices</h3>
<p>Although the FDCPA is primarily directed at consumer debt collection, DRE applies FDCPA-level best practices to all claims as a matter of policy. This means:</p>
<ul>
<li>All communications are professional and respectful.</li>
<li>Written debt validation is provided upon debtor request.</li>
<li>Communications cease when requested, with legally permitted exceptions.</li>
<li>No false, misleading, or deceptive representations are made.</li>
<li>Mini-Miranda disclosures are included on all collection communications.</li>
</ul>
<p>Clients are expected to uphold these same standards in any interaction with debtors.</p>
<h3>4.3 Reporting Violations</h3>
<p>If you believe a DRE user is violating this AUP, report it to DRE immediately using the contact information in Section 7. If you are a debtor and believe DRE or one of its clients has violated debt collection laws, you may contact DRE directly or file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau, or Texas Attorney General.</p>
<hr />
<h2>5. Enforcement</h2>
<h3>5.1 Investigation</h3>
<p>DRE reserves the right to investigate any suspected violation of this AUP. Investigations may include reviewing account activity, submitted claims, communications, and uploaded documents. DRE may cooperate with law enforcement or regulatory authorities in investigations and may temporarily suspend account access during the investigation period.</p>
<h3>5.2 Consequences</h3>
<p>Enforcement actions are calibrated to the severity and frequency of the violation:</p>
<table>
<thead>
<tr>
<th>Level</th>
<th>Examples</th>
<th>Consequences</th>
</tr>
</thead>
<tbody>
<tr>
<td>Minor / First Offense</td>
<td>Incomplete claim information, minor portal misuse</td>
<td>Written warning with a 7-day corrective period</td>
</tr>
<tr>
<td>Moderate</td>
<td>Repeat minor violations, unauthorized debtor contact, abrasive communication toward DRE staff</td>
<td>30-day account suspension; mandatory compliance review before reinstatement</td>
</tr>
<tr>
<td>Severe</td>
<td>Fraud, harassment, illegal collection tactics, debtor data misuse, platform abuse</td>
<td>Permanent account termination; forfeiture of pending claims (subject to legal review); possible referral to law enforcement or regulatory authorities</td>
</tr>
</tbody>
</table>
<h3>5.3 Appeals</h3>
<p>If your account is suspended or terminated under this AUP, you may appeal the decision by submitting a written explanation and any mitigating evidence to DRE within 14 calendar days of the enforcement action. DRE will review the appeal and issue a decision within 30 calendar days. The decision on appeal is final. During the appeal period, the suspension or termination remains in effect unless DRE determines otherwise.</p>
<h3>5.4 No Waiver</h3>
<p>DRE's failure to enforce any provision of this AUP — whether in a specific instance or over time — does not constitute a waiver of our right to enforce it in the future. We may enforce violations retroactively if they are discovered after the fact.</p>
<hr />
<h2>6. Modifications</h2>
<p>DRE may update this AUP at any time to reflect changes in applicable laws, industry best practices, or platform capabilities. Material changes will be communicated via email (if we have your email on file) and/or by a notice on the Site. Your continued use of the Services after changes are posted constitutes your acceptance of the updated AUP.</p>
<hr />
<h2>7. Contact</h2>
<p>To report a violation of this AUP:</p>
<ul>
<li><strong>Email:</strong> support@debtrecoveryexperts.com</li>
<li><strong>Phone:</strong> [Phone]</li>
</ul>
<p>For general questions about this AUP, contact DRE through the client portal or at the contact information above.</p>
<p>If you are a debtor with a complaint about collection conduct, please reference your claim number (if known) when contacting us.</p>
<hr />
<blockquote>
<p><strong>⚠️ ATTORNEY REVIEW REQUIRED:</strong> This document must be reviewed by a licensed Texas attorney before publication. Key review items: FDCPA applicability to B2B commercial debt collections and whether DRE's "best practices" approach creates unintended legal obligations, FCRA furnisher obligations, TCPA SMS consent language alignment, enforcement escalation framework, and cross-reference consistency with the Terms of Use and Privacy Policy.</p>
</blockquote>
<hr />
<p>© 2026 Debt Recovery Experts. All rights reserved.</p>
</div>
</div>
<footer class="footer">
<div class="inner">
<p class="miranda">Debt Recovery Experts is a debt collection firm. This communication is an attempt to collect a debt and any information obtained will be used for that purpose, where applicable. You have rights under the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act, including the right to dispute a debt and request verification.</p>
<div class="links">
<a href="/privacy.html">Privacy Policy</a>
<a href="/terms.html">Terms of Use</a>
<a href="/aup.html">Acceptable Use Policy</a>
<a href="/sms-terms.html">SMS &amp; 10DLC</a>
</div>
</div>
</footer>
</body>
</html>
legal/privacy.html
+520
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<!DOCTYPE html>
<html lang="en">
<head>
<meta charset="UTF-8">
<meta name="viewport" content="width=device-width, initial-scale=1.0">
<title>Privacy Policy — Debt Recovery Experts</title>
<link rel="icon" href="/favicon.svg" type="image/svg+xml">
<link rel="icon" href="/favicon-32.png" type="image/png" sizes="32x32">
<link rel="apple-touch-icon" href="/favicon-180.png">
<link rel="preconnect" href="https://fonts.googleapis.com">
<link rel="preconnect" href="https://fonts.gstatic.com" crossorigin>
<link href="https://fonts.googleapis.com/css2?family=Source+Serif+4:opsz,wght@8..60,400;8..60,500;8..60,600;8..60,700&family=Inter:wght@400;500;600&display=swap" rel="stylesheet">
<style>
:root {
--navy-950: #10192b;
--navy-900: #16213a;
--navy-800: #1f2d4a;
--navy-700: #2b3d5f;
--slate-500: #64748b;
--slate-400: #8593a8;
--slate-200: #d8dee7;
--slate-100: #eceff4;
--paper: #faf9f6;
--line: #dcdfe6;
--gold: #9c7c3f;
--white: #ffffff;
}
* { box-sizing: border-box; }
body {
margin: 0;
font-family: 'Inter', -apple-system, BlinkMacSystemFont, "Segoe UI", Helvetica, Arial, sans-serif;
color: var(--navy-900);
background: var(--paper);
line-height: 1.7;
}
a { color: var(--gold); }
.topbar {
background: var(--navy-900);
border-bottom: 3px solid var(--gold);
padding: 18px 24px;
display: flex;
align-items: center;
justify-content: space-between;
gap: 16px;
flex-wrap: wrap;
}
.topbar .brand { display: flex; align-items: center; gap: 12px; }
.topbar .brand .mark {
width: 34px; height: 34px; border: 1px solid var(--gold);
display: flex; align-items: center; justify-content: center;
color: var(--gold); font-family: 'Source Serif 4', serif; font-weight: 600;
font-size: 15px; border-radius: 3px;
}
.topbar .brand .name { color: var(--white); font-family: 'Source Serif 4', serif; font-weight: 600; font-size: 17px; }
.topbar a.back {
color: var(--slate-200); text-decoration: none; font-size: 13px;
border: 1px solid var(--navy-700); padding: 6px 12px; border-radius: 3px;
}
.topbar a.back:hover { border-color: var(--gold); color: var(--white); }
.wrap { max-width: 820px; margin: 0 auto; padding: 40px 24px 64px; }
h1 {
font-family: 'Source Serif 4', serif; font-weight: 600; font-size: 30px;
color: var(--navy-900); margin: 0 0 6px; line-height: 1.25;
}
.effective { color: var(--slate-500); font-size: 13px; margin: 0 0 28px; }
.content h2 {
font-family: 'Source Serif 4', serif; font-weight: 600; font-size: 21px;
color: var(--navy-900); margin: 34px 0 10px; padding-top: 8px;
border-top: 1px solid var(--line);
}
.content h3 {
font-family: 'Source Serif 4', serif; font-weight: 600; font-size: 17px;
color: var(--navy-800); margin: 24px 0 8px;
}
.content h4 { font-size: 15px; color: var(--navy-800); margin: 20px 0 6px; }
.content p { margin: 0 0 14px; }
.content ul, .content ol { margin: 0 0 16px; padding-left: 24px; }
.content li { margin: 0 0 6px; }
.content table { border-collapse: collapse; width: 100%; margin: 0 0 18px; font-size: 13.5px; }
.content th, .content td { border: 1px solid var(--line); padding: 8px 10px; text-align: left; vertical-align: top; }
.content th { background: var(--slate-100); color: var(--navy-800); font-weight: 600; }
.content hr { border: none; border-top: 1px solid var(--line); margin: 30px 0; }
.content strong { color: var(--navy-900); }
.footer {
background: var(--navy-950); color: var(--slate-400); font-size: 12.5px;
padding: 32px 24px; margin-top: 40px;
}
.footer .inner { max-width: 820px; margin: 0 auto; }
.footer .miranda { margin-bottom: 16px; line-height: 1.6; }
.footer .links { display: flex; flex-wrap: wrap; gap: 18px; }
.footer .links a { color: var(--slate-200); text-decoration: none; }
.footer .links a:hover { color: var(--gold); }
</style>
</head>
<body>
<header class="topbar">
<div class="brand">
<span class="mark">DRE</span>
<span class="name">Debt Recovery Experts</span>
</div>
<a class="back" href="https://debtrecoveryexperts.com/">&larr; Back to site</a>
</header>
<div class="wrap">
<h1>Privacy Policy</h1>
<p class="effective">Effective date: August 22, 2026</p>
<div class="content">
<p><strong>Paste into WordPress page titled "Privacy Policy" | Last Updated: July 25, 2026</strong></p>
<hr />
<h2>1. Introduction</h2>
<p>Debt Recovery Experts ("DRE," "we," "us," or "our") is committed to protecting the privacy and security of your personal information. This Privacy Policy explains how we collect, use, share, store, and protect information when you:</p>
<ul>
<li>Visit our website at https://debtrecoveryexperts.com (the "Site")</li>
<li>Create an account or submit a debt recovery claim through our secure portal</li>
<li>Use our payment portal or client dashboard</li>
<li>Receive communications from us, including SMS messages</li>
</ul>
<p>This Privacy Policy applies to clients (businesses and individuals submitting claims), website visitors, and the individuals whose information we receive in the course of debt recovery (debtors). It is incorporated into the DRE Terms of Use.</p>
<p>By using the Site or Services, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with any part of it, please do not use the Site or Services.</p>
<hr />
<h2>2. Information We Collect</h2>
<h3>2.1 Information You Provide Directly</h3>
<p><strong>Account and Identity Information:</strong>
- Full name (individual or authorized business representative)
- Business name, Employer Identification Number (EIN), and entity type (for business clients)
- Email address, phone number, and physical mailing address
- Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), for tax and IRS compliance on disbursements
- Username and password (hashed; DRE never stores or views your plaintext password)</p>
<p><strong>Claim and Financial Information:</strong>
- Debtor details: legal name, business name, physical address, phone number, email address
- Debt details: amount owed, date incurred, nature of the debt, and prior collection history
- Supporting documentation: contracts, invoices, account statements, correspondence, payment records, and proof of delivery or completion
- Bank account and routing numbers, for ACH disbursement of collected funds via Stripe Connect</p>
<p><strong>Notarization Information (Remote Online Notarization):</strong>
- Government-issued photo identification (driver's license, passport, or state ID)
- Video and audio recording of the online notarization session
- Digital signature and timestamp records
- Identity verification results from the RON platform</p>
<p><strong>Communications:</strong>
- Emails, support requests, and messages sent through the client portal
- SMS opt-in and opt-out records (see Section 3.5)
- Phone call logs and notes, where applicable</p>
<h3>2.2 Information Collected Automatically</h3>
<p>When you visit the Site or use the portal, we automatically collect:</p>
<ul>
<li><strong>Log Data:</strong> IP address, browser type and version, operating system, referring URL, pages viewed, and timestamps.</li>
<li><strong>Device Information:</strong> Device type, screen resolution, and browser settings.</li>
<li><strong>Usage Data:</strong> Features accessed, actions taken, session duration, and click patterns.</li>
<li><strong>Security Signals:</strong> Data processed by Cloudflare Turnstile for bot detection (IP address, user agent, device fingerprint), handled per Cloudflare's privacy addendum.</li>
</ul>
<h3>2.3 Information from Third Parties</h3>
<p>We may receive information about you from:</p>
<ul>
<li><strong>Proof.com (or equivalent RON platform):</strong> Identity verification results and notarization confirmations.</li>
<li><strong>Stripe Connect:</strong> Transaction confirmations and payment status. DRE does not store full payment card numbers.</li>
<li><strong>Public Records and Skip Tracing:</strong> Debtor location information from lawful sources, including court records, Secretary of State business registries, and public databases.</li>
<li><strong>Partner Law Firms:</strong> Case status updates for claims referred to litigation (Tier 4).</li>
</ul>
<hr />
<h2>3. How We Use Information</h2>
<h3>3.1 Core Service Delivery</h3>
<p>We use your information to:</p>
<ul>
<li>Process, evaluate, and manage debt recovery claims (including AI-assisted internal review)</li>
<li>Communicate with clients: claim status updates, document requests, fee disclosures, disbursement confirmations</li>
<li>Execute Limited Powers of Attorney via Remote Online Notarization</li>
<li>Conduct debt collection activities on your behalf (demand letters, phone calls, negotiations)</li>
<li>Process debtor payments and disburse collected funds to your account via Stripe ACH</li>
</ul>
<h3>3.2 Legal and Compliance</h3>
<p>We process information as necessary to:</p>
<ul>
<li>Comply with the Fair Debt Collection Practices Act (FDCPA), Texas Finance Code Chapter 392, Telephone Consumer Protection Act (TCPA), Fair Credit Reporting Act (FCRA), and all other applicable laws</li>
<li>Respond to lawful government requests, court orders, and subpoenas</li>
<li>Establish, exercise, or defend legal claims</li>
<li>Detect and prevent fraud, abuse, identity theft, or illegal activity</li>
<li>Maintain records per statutory retention requirements</li>
</ul>
<h3>3.3 Business Operations</h3>
<p>We use information for:</p>
<ul>
<li>Account management, authentication, and customer support</li>
<li>Site and Service improvement, including bug fixes, performance optimization, and user experience enhancements</li>
<li>Aggregated analytics and reporting (anonymized or de-identified where practicable)</li>
<li>Security monitoring, threat detection, and incident response</li>
<li>Administrative notices, security alerts, and policy update notifications</li>
</ul>
<h3>3.4 Communications</h3>
<p>We may contact you for:</p>
<ul>
<li><strong>Service-Related Messages:</strong> Claim status updates, fee disclosures, disbursement confirmations, and account alerts. These are necessary for the performance of the Services.</li>
<li><strong>Support Responses:</strong> Answers to your inquiries, requests, and disputes.</li>
<li><strong>Marketing (Opt-In Only):</strong> Promotional emails about DRE Services. You may opt out of marketing communications at any time by clicking the unsubscribe link in any marketing email.</li>
</ul>
<p><strong>We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.</strong></p>
<h3>3.5 SMS Communications</h3>
<p>DRE may send SMS text messages for claim status updates, document availability notifications, and disbursement alerts. All SMS communications are transactional and informational — we do not send marketing or promotional text messages.</p>
<p><strong>Consent:</strong> We obtain your prior express consent before sending SMS messages to your mobile phone. Consent is collected during account registration or claim submission through a clear, standalone checkbox (not pre-ticked) disclosing the types of messages you may receive and the approximate frequency.</p>
<p><strong>Opt-Out:</strong> To stop receiving SMS messages at any time, reply STOP to any message. You may also reply UNSUBSCRIBE, CANCEL, or QUIT. SMS opt-out requests are processed immediately upon receipt. You may also opt out through your portal settings, by calling our office, or by emailing our support team.</p>
<p><strong>HELP:</strong> Reply HELP to any message for information about the SMS program and DRE contact details.</p>
<p><strong>Rates:</strong> Message and data rates may apply. Please check your mobile plan for details.</p>
<p><strong>Carrier Liability:</strong> Carriers are not liable for delayed or undelivered messages.</p>
<p><strong>No Mobile Information Sharing:</strong> We do not share, sell, rent, or trade your mobile phone number or SMS opt-in consent with any third party for marketing or promotional purposes. Phone numbers are used exclusively to deliver the transactional communications described above.</p>
<p><strong>10DLC Compliance:</strong> DRE sends SMS through 10-Digit Long Code (10DLC) messaging in compliance with The Campaign Registry (TCR) standards, the CTIA Messaging Principles and Best Practices, and applicable carrier requirements. All DRE messages are transactional and informational; we do not send marketing or promotional text messages.</p>
<p>For full SMS program terms, see our <a href="https://debtrecoveryexperts.com/sms-terms.html">SMS &amp; 10DLC Compliance notice</a>.</p>
<hr />
<h2>4. How We Share Information</h2>
<h3>4.1 Service Providers</h3>
<p>We share information with third-party service providers only as necessary to deliver the Services, and only under contractual obligations requiring them to protect your data.</p>
<table>
<thead>
<tr>
<th>Service Provider</th>
<th>Information Shared</th>
<th>Purpose</th>
<th>Safeguards</th>
</tr>
</thead>
<tbody>
<tr>
<td>Proof.com (RON Platform)</td>
<td>Name, photo ID, video/audio of session, signature</td>
<td>Execute LPOA under Texas notary law</td>
<td>SOC 2 certified; encrypted in transit and at rest</td>
</tr>
<tr>
<td>LetterStream</td>
<td>Debtor name, address, letter content</td>
<td>Send certified demand letters</td>
<td>Business associate agreement</td>
</tr>
<tr>
<td>Stripe Connect</td>
<td>Client name, bank account/routing number, disbursement amount</td>
<td>ACH disbursement</td>
<td>PCI DSS Level 1; DRE does not store full banking details</td>
</tr>
<tr>
<td>Partner Law Firms</td>
<td>Claim documents, debtor information, correspondence history</td>
<td>Litigation and lien filing (Tiers 2.5/4)</td>
<td>Attorney-client privilege where applicable; confidentiality agreements</td>
</tr>
<tr>
<td>Cloud Hosting / Infrastructure</td>
<td>All stored data</td>
<td>Data storage, hosting, backup</td>
<td>AES-256 at rest; TLS in transit; access controls</td>
</tr>
<tr>
<td>Analytics Providers</td>
<td>Aggregated, anonymized usage data</td>
<td>Site performance analytics</td>
<td>De-identified; no personally identifiable information</td>
</tr>
</tbody>
</table>
<h3>4.2 Legal and Regulatory Disclosures</h3>
<p>We may disclose information if required to:</p>
<ul>
<li>Comply with a legal obligation, court order, or governmental request</li>
<li>Protect and defend DRE's rights, property, or safety, or that of our clients or others</li>
<li>Investigate, prevent, or take action regarding suspected fraud, illegal activity, or Terms of Use violations</li>
<li>Enforce the Terms of Use, Acceptable Use Policy, or other agreements</li>
</ul>
<h3>4.3 Business Transfers</h3>
<p>If DRE is involved in a merger, acquisition, asset sale, or bankruptcy, client data may be transferred as part of that transaction. You will be notified of any change in ownership or control affecting your personal information.</p>
<h3>4.4 With Your Consent</h3>
<p>We may share information with other parties when you give us explicit, informed consent to do so.</p>
<h3>4.5 What We Do Not Share</h3>
<ul>
<li>We do <strong>not</strong> sell, rent, or trade personal information to data brokers, marketers, or third parties for their own purposes.</li>
<li>We do <strong>not</strong> use debtor information for unrelated marketing.</li>
<li>We do <strong>not</strong> share Social Security Numbers or identification documents beyond what is required for notarization and tax compliance.</li>
</ul>
<hr />
<h2>5. Data Security</h2>
<h3>5.1 Technical Safeguards</h3>
<p>We implement and maintain industry-standard security measures, including:</p>
<ul>
<li><strong>Encryption:</strong> TLS 1.3 for all data in transit; AES-256 for data at rest.</li>
<li><strong>Access Controls:</strong> Role-based access with the principle of least privilege; all administrative access requires multi-factor authentication (MFA).</li>
<li><strong>Network Security:</strong> Firewalls, intrusion detection and prevention systems (IDS/IPS), and regular vulnerability scanning.</li>
<li><strong>Bot and Abuse Protection:</strong> Cloudflare Turnstile on all public-facing forms.</li>
<li><strong>Regular Testing:</strong> Periodic vulnerability assessments, penetration testing, and code reviews.</li>
</ul>
<h3>5.2 Administrative Safeguards</h3>
<ul>
<li>All personnel with access to sensitive data undergo background checks and receive regular training on data privacy, security, and debt collection compliance.</li>
<li>We maintain a written information security policy and incident response plan.</li>
<li>Third-party vendors are subject to due diligence and security assessments before engagement.</li>
</ul>
<h3>5.3 Physical Safeguards</h3>
<p>Data is hosted in secure facilities with restricted physical access. Any physical documents we receive are stored in locked, access-controlled storage.</p>
<h3>5.4 Data Breach Notification</h3>
<p>In the event of a security breach that compromises personal information, we will:</p>
<ul>
<li>Notify affected individuals without unreasonable delay, in accordance with the Texas breach notification law (Texas Business and Commerce Code § 521.053 — within 60 days).</li>
<li>Notify the Texas Attorney General if 250 or more Texas residents are affected.</li>
<li>Provide the nature of the breach, the types of data involved, the steps we have taken, and recommendations for mitigating potential harm.</li>
</ul>
<h3>5.5 No Absolute Guarantee</h3>
<p>While we implement robust safeguards, no method of electronic storage or transmission is 100% secure. We cannot guarantee absolute security, but we continuously review and improve our defenses.</p>
<hr />
<h2>6. Data Retention</h2>
<h3>6.1 Retention Schedule</h3>
<p>We retain personal information only as long as necessary to fulfill the purposes described in this Policy, or as required by law.</p>
<table>
<thead>
<tr>
<th>Data Category</th>
<th>Retention Period</th>
<th>Basis</th>
</tr>
</thead>
<tbody>
<tr>
<td>Account information</td>
<td>Account lifetime + 3 years after closure</td>
<td>Business records; dispute resolution</td>
</tr>
<tr>
<td>Claim documentation and evidence</td>
<td>5 years after claim closure</td>
<td>Four-year Texas statute of limitations for written contracts, plus buffer</td>
</tr>
<tr>
<td>Financial and payment records</td>
<td>7 years</td>
<td>IRS requirements; tax compliance</td>
</tr>
<tr>
<td>Notarization records (RON)</td>
<td>Per Texas notary law (TX Gov't Code § 406)</td>
<td>Statutory requirement</td>
</tr>
<tr>
<td>Communications (email, SMS, call logs)</td>
<td>3 years</td>
<td>Dispute resolution; FDCPA compliance</td>
</tr>
<tr>
<td>Website analytics (anonymized)</td>
<td>2 years</td>
<td>Business analysis</td>
</tr>
<tr>
<td>Server and security logs</td>
<td>12 months</td>
<td>Security monitoring; forensic investigation</td>
</tr>
</tbody>
</table>
<h3>6.2 Deletion</h3>
<p>When the applicable retention period expires, data is securely deleted or irreversibly anonymized using cryptographic erasure, secure overwrite, or physical destruction, as appropriate.</p>
<h3>6.3 Active Claims Exception</h3>
<p>Data for open, active claims is retained until the claim is closed. The retention clock starts upon claim closure.</p>
<h3>6.4 Legal Holds</h3>
<p>If a legal hold is placed on data — for example, during litigation or a regulatory investigation — the retention schedule is overridden, and the data is preserved until the hold is released.</p>
<h3>6.5 Account Closure</h3>
<p>If you close your account, your data is retained per the schedule above. After the retention period, it is securely deleted. You may request earlier deletion subject to the exceptions in Section 7.3.</p>
<hr />
<h2>7. Your Rights and Choices</h2>
<h3>7.1 Your Rights</h3>
<p>Depending on your jurisdiction, you may have the following rights regarding your personal information:</p>
<table>
<thead>
<tr>
<th>Right</th>
<th>What It Means</th>
</tr>
</thead>
<tbody>
<tr>
<td>Access</td>
<td>You may request a copy of the personal data we hold about you.</td>
</tr>
<tr>
<td>Correction</td>
<td>You may request correction of inaccurate or incomplete data.</td>
</tr>
<tr>
<td>Deletion</td>
<td>You may request deletion of your personal data, subject to legal and regulatory exceptions.</td>
</tr>
<tr>
<td>Restriction</td>
<td>You may request limited processing in certain circumstances.</td>
</tr>
<tr>
<td>Portability</td>
<td>You may request your data in a structured, machine-readable format.</td>
</tr>
<tr>
<td>Objection</td>
<td>You may object to processing for direct marketing (this is an absolute right).</td>
</tr>
<tr>
<td>Opt-Out of Sale</td>
<td>DRE does not sell personal data, but we acknowledge this right.</td>
</tr>
<tr>
<td>SMS Opt-Out</td>
<td>Reply STOP to any SMS, or update preferences in your portal settings.</td>
</tr>
</tbody>
</table>
<h3>7.2 How to Exercise Your Rights</h3>
<p>To exercise any of these rights, contact us using the information in Section 12. We will verify your identity before processing your request, which may require you to provide additional information. We respond to verified requests within 45 calendar days, in accordance with the Texas Data Privacy and Security Act.</p>
<p>The first request in any 12-month period is processed at no charge. For excessive or repetitive requests, we may charge a reasonable fee. If we deny a request, we will explain the reason for the denial and inform you of your right to appeal.</p>
<h3>7.3 Exceptions to Deletion</h3>
<p>We may deny deletion requests if the data is required for:</p>
<ul>
<li>Completing an active debt recovery claim.</li>
<li>Compliance with legal obligations (FDCPA, Texas Finance Code, IRS retention requirements).</li>
<li>Detecting or preventing fraud, security incidents, or illegal activity.</li>
<li>Establishing, exercising, or defending legal claims.</li>
<li>Internal uses that are reasonably aligned with consumer expectations.</li>
</ul>
<h3>7.4 Texas Privacy Rights</h3>
<p>Under the Texas Data Privacy and Security Act (effective July 1, 2024), Texas residents have the right to opt out of targeted advertising and profiling. DRE does not engage in targeted advertising or profiling that would trigger these rights. Texas residents may file complaints with the Texas Attorney General's Consumer Protection Division.</p>
<h3>7.5 California Residents</h3>
<p>If you are a California resident, the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA) may provide you with additional rights, including the right to know what personal information we collect, the right to delete, and the right to opt out of the sale or sharing of personal information. DRE does not sell or share personal information as defined under California law. We will honor verified CCPA requests where applicable. We do not discriminate against anyone for exercising their privacy rights.</p>
<hr />
<h2>8. Cookies and Tracking Technologies</h2>
<h3>8.1 Types of Cookies We Use</h3>
<table>
<thead>
<tr>
<th>Type</th>
<th>Purpose</th>
<th>Duration</th>
<th>Examples</th>
</tr>
</thead>
<tbody>
<tr>
<td>Essential</td>
<td>Site functionality: login sessions, security checks, form submissions</td>
<td>Session to persistent</td>
<td>Authentication tokens, CSRF tokens, Turnstile bot detection</td>
</tr>
<tr>
<td>Functional</td>
<td>User preferences and portal settings</td>
<td>Up to 1 year</td>
<td>Language preferences, dashboard layout</td>
</tr>
<tr>
<td>Analytics</td>
<td>Anonymized usage data: page views, load times, errors</td>
<td>Up to 2 years</td>
<td>Google Analytics (with anonymized IP)</td>
</tr>
<tr>
<td>Marketing</td>
<td>DRE does not use marketing or advertising cookies</td>
<td>N/A</td>
<td>N/A</td>
</tr>
</tbody>
</table>
<h3>8.2 Your Cookie Choices</h3>
<p>You can configure your browser to block, delete, or limit cookies. You may opt out of Google Analytics by visiting https://tools.google.com/dlpage/gaoptout. Please note that blocking essential cookies may affect the functionality of the Site and portal.</p>
<h3>8.3 Do Not Track</h3>
<p>DRE respects Do Not Track (DNT) browser signals where technically feasible. We do not track users across third-party websites for advertising purposes.</p>
<hr />
<h2>9. Children's Privacy</h2>
<p>DRE's Services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children under 18. If we learn that a child's data has been collected, we will promptly delete it. If you are a parent or guardian and believe your child has provided personal information to us, please contact us immediately.</p>
<hr />
<h2>10. Third-Party Services and Links</h2>
<p>Our Site and portal integrate with third-party services — including Proof.com (RON), LetterStream (certified mail), and Stripe Connect (payments). Our Site may also contain links to third-party websites, such as partner law firm sites.</p>
<p>This Privacy Policy does not govern the privacy practices of third parties. We encourage you to review the privacy policies of any third-party service before providing your information.</p>
<hr />
<h2>11. International Data Transfers</h2>
<p>DRE is based in the United States and stores all data on servers located in the United States. If you access the Site or Services from outside the United States, your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those of your jurisdiction. By using the Services, you consent to this transfer.</p>
<hr />
<h2>12. Updates to This Privacy Policy</h2>
<p>We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or the Services. Changes will be posted on this page with an updated "Last Updated" date.</p>
<p>For material changes, we will provide notice by email (if we have your email on file) and/or by displaying a prominent notice on the Site. Your continued use of the Services after changes are posted constitutes your acceptance of the updated Privacy Policy. Archived versions of prior policies are available upon request.</p>
<hr />
<h2>13. Contact and Complaints</h2>
<h3>13.1 Contact DRE</h3>
<p>For questions about this Privacy Policy, to exercise your privacy rights, or to report a concern:</p>
<p><strong>Debt Recovery Experts (DRE)</strong>
[Street Address]
[City], TX
Email: support@debtrecoveryexperts.com
Phone: [Phone]
Data Protection Contact: Debt Recovery Experts Compliance Team</p>
<h3>13.2 File a Complaint</h3>
<p>If you believe your privacy rights have been violated, you may file a complaint with:</p>
<p><strong>Texas Attorney General — Consumer Protection Division</strong>
P.O. Box 12548
Austin, TX 78711-2548
Phone: (800) 621-0508
Website: https://www.texasattorneygeneral.gov</p>
<p><strong>Federal Trade Commission (FTC)</strong>
Website: https://reportfraud.ftc.gov
For FDCPA or FCRA-related privacy complaints.</p>
<hr />
<blockquote>
<p><strong>⚠️ ATTORNEY REVIEW REQUIRED:</strong> This document must be reviewed by a licensed Texas attorney before publication. Key review items: Texas Data Privacy and Security Act applicability and full compliance assessment, CCPA/CPRA applicability determination, data retention periods vs. statutory requirements for debt collectors, SMS consent language for TCPA compliance, and adequacy of international data transfer provisions.</p>
</blockquote>
<hr />
<p>© 2026 Debt Recovery Experts. All rights reserved.</p>
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<div class="wrap">
<h1>SMS & 10DLC Compliance</h1>
<p class="effective">Effective date: August 22, 2026</p>
<div class="content">
<p><strong>Paste into WordPress page titled "SMS Compliance" or "10DLC Compliance" | Last Updated: July 25, 2026</strong></p>
<hr />
<h2>What Is 10DLC and Why It Matters</h2>
<p>10DLC stands for 10-Digit Long Code — a standard 10-digit phone number that businesses use to send application-to-person (A2P) SMS text messages. Unlike short codes (5- or 6-digit numbers used for mass marketing), 10DLC numbers look like ordinary phone numbers and are designed for higher-quality, lower-volume business messaging.</p>
<p>All 10DLC messaging in the United States is regulated through The Campaign Registry (TCR), a centralized system operated by U.S. wireless carriers — including AT&amp;T, T-Mobile, and Verizon. TCR vets every business sender and every messaging campaign before messages can be delivered.</p>
<p><strong>As of February 2025, carrier enforcement is mandatory.</strong> Unregistered business SMS traffic is blocked entirely — no throttling, no warning, no delivery. To send SMS messages to clients, a business must register its brand (verifying the company's identity) and each messaging campaign (describing the use case, providing proof of opt-in consent, and submitting sample messages for carrier review).</p>
<p>Debt Recovery Experts (DRE) has completed brand and campaign registration through TCR and our messaging provider. Every SMS message we send is routed through a registered, compliant campaign — ensuring our clients receive the information they need, when they need it, with full transparency about who is contacting them and why.</p>
<hr />
<h2>Our Commitment to Compliant Messaging</h2>
<p>DRE is committed to full compliance with all applicable laws, carrier codes of conduct, and industry best practices governing SMS messaging. Specifically, we adhere to:</p>
<ul>
<li><strong>Telephone Consumer Protection Act (TCPA)</strong> — 47 U.S.C. § 227. We obtain prior express consent before sending any SMS message. We honor opt-out requests immediately. We recognize that TCPA violations carry statutory damages of $500 to $1,500 per violation, and we treat compliance accordingly.</li>
<li><strong>CTIA Messaging Principles and Best Practices</strong> — The wireless industry's framework for lawful, consumer-friendly business messaging.</li>
<li><strong>T-Mobile Code of Conduct</strong> and <strong>AT&amp;T Code of Conduct</strong> — Carrier-specific requirements for A2P messaging, including prohibited content categories and consent standards.</li>
<li><strong>Fair Debt Collection Practices Act (FDCPA)</strong> — 15 U.S.C. § 1692 et seq., where applicable to third-party debt collection communications.</li>
<li><strong>Texas Debt Collection Act (TDCA)</strong> — Texas Finance Code Chapter 392, governing debt collection practices within the state.</li>
</ul>
<p>Our SMS practices are:</p>
<ul>
<li><strong>Transactional and informational only.</strong> DRE does not send marketing or promotional text messages.</li>
<li><strong>Clearly identified.</strong> Every message includes the DRE business name so the recipient knows who is contacting them.</li>
<li><strong>Logged and auditable.</strong> All SMS activity is recorded and available for compliance review.</li>
<li><strong>Governed by documented policy.</strong> Our SMS practices are part of our Compliance Manual (§9 — TCPA), which governs all DRE communications.</li>
</ul>
<hr />
<h2>Types of Messages You May Receive</h2>
<p>DRE sends SMS messages only when there is a meaningful update on your claim or account. We do not send "checking in" messages or marketing content.</p>
<table>
<thead>
<tr>
<th>Message Type</th>
<th>Description</th>
</tr>
</thead>
<tbody>
<tr>
<td>Payment Reminders</td>
<td>Notifications about upcoming or past-due payments related to an active claim</td>
</tr>
<tr>
<td>Claim Status Updates</td>
<td>Information about where your claim stands in the recovery process</td>
</tr>
<tr>
<td>Demand Letter Notifications</td>
<td>Alerts that a demand letter has been issued or is available for review</td>
</tr>
<tr>
<td>Account Notifications</td>
<td>Updates related to an outstanding balance or account activity</td>
</tr>
<tr>
<td>Document Availability</td>
<td>Notices that new documents — such as settlement offers or status reports — are available in the client portal</td>
</tr>
</tbody>
</table>
<p><strong>What we do NOT send:</strong></p>
<ul>
<li>Promotional or marketing messages</li>
<li>Debt consolidation, debt reduction, or debt forgiveness offers</li>
<li>Content related to sex, hate, alcohol, firearms, or tobacco (SHAFT content is prohibited on all 10DLC campaigns)</li>
</ul>
<p>Every DRE SMS message is framed as a neutral business notification — not a collection attempt. A typical message reads: "DRE: Your claim #12345 has a status update. Log in to view details: https://my.debtrecoveryexperts.com Reply STOP to opt out."</p>
<hr />
<h2>How to Opt In</h2>
<p>DRE sends SMS messages only to clients who have expressly consented to receive them. Consent is obtained through:</p>
<ol>
<li><strong>Claim Intake Form.</strong> When you submit a claim, you are presented with a standalone SMS consent checkbox (not pre-ticked). The checkbox clearly states the types of messages you may receive and the approximate frequency.</li>
<li><strong>Client Portal Registration.</strong> During account creation, you may opt in to SMS notifications with a clear, separate consent mechanism.</li>
<li><strong>Limited Power of Attorney (LPOA).</strong> The LPOA agreement includes an SMS consent provision.</li>
</ol>
<p>Consent is specific to SMS communications and is not bundled into general Terms of Use acceptance. DRE maintains a consent log for every recipient — recording the timestamp, method, and scope of consent.</p>
<p><strong>We never purchase phone number lists or send SMS to numbers obtained from third parties.</strong></p>
<hr />
<h2>How to Opt Out</h2>
<p>You may stop receiving SMS messages from DRE at any time, through any of the following methods:</p>
<table>
<thead>
<tr>
<th>Method</th>
<th>How It Works</th>
</tr>
</thead>
<tbody>
<tr>
<td>Reply <strong>STOP</strong></td>
<td>Send STOP in reply to any DRE text message. Opt-out is processed immediately.</td>
</tr>
<tr>
<td>Reply <strong>UNSUBSCRIBE, CANCEL, or QUIT</strong></td>
<td>Any of these standard keywords will also process your opt-out.</td>
</tr>
<tr>
<td>Reply <strong>HELP</strong></td>
<td>Receive information about the SMS program and DRE contact details.</td>
</tr>
<tr>
<td>Call our office</td>
<td>Speak with a representative who will process your opt-out.</td>
</tr>
<tr>
<td>Email support</td>
<td>Send a request to our support email address.</td>
</tr>
<tr>
<td>Client Portal</td>
<td>Update your notification preferences in your account settings.</td>
</tr>
</tbody>
</table>
<p>Per the FCC's 2024 consent revocation order, you may revoke consent through any reasonable method — not just the STOP keyword. DRE honors all opt-out requests promptly.</p>
<p><strong>Opt-out is permanent by default.</strong> Once you opt out, you will not receive further SMS messages from any DRE campaign unless you choose to re-enroll by providing fresh, affirmative consent. DRE maintains suppression lists across voice and SMS channels to ensure compliance.</p>
<hr />
<h2>Message Frequency</h2>
<p>DRE sends SMS messages only when there is a genuine update. We do not send routine or scheduled messages just to "check in."</p>
<ul>
<li><strong>Payment reminders:</strong> 1–2 per billing cycle</li>
<li><strong>Claim status updates:</strong> As events occur — typically 1–3 per month</li>
<li><strong>Demand letter notifications:</strong> Once per letter issued</li>
</ul>
<p><strong>We will not send more than 4 messages per month</strong> to any single recipient across all DRE campaigns. Our TCPA policy (Compliance Manual §9) further caps all communications at 3 contact attempts per 7-day period — and this applies to SMS as well as phone calls.</p>
<p>All messages are sent during business hours — 8:00 a.m. to 8:00 p.m. in the recipient's local time zone — in compliance with TCPA quiet-hours restrictions.</p>
<hr />
<h2>Message and Data Rates</h2>
<p>DRE does not charge any fee for sending or receiving SMS messages. However, <strong>message and data rates may apply</strong> depending on your mobile carrier and plan. Please check your plan for details. Standard carrier rates for text messages sent and received will apply based on your individual service agreement with your wireless provider.</p>
<hr />
<h2>Privacy Protections</h2>
<p>Your privacy is core to how we handle SMS communications:</p>
<ul>
<li><strong>No sale of phone numbers.</strong> DRE never sells, rents, or shares your phone number — or any other personal data — with third parties for their marketing purposes.</li>
<li><strong>Encryption.</strong> Phone numbers and message content are encrypted in transit using TLS and at rest using AES-256, consistent with our Privacy Policy.</li>
<li><strong>No sensitive content via SMS.</strong> We never send account numbers, Social Security Numbers, payment details, or full claim information through text messages.</li>
<li><strong>Data retention.</strong> SMS logs are retained in accordance with DRE's data retention policy.</li>
<li><strong>Texas Data Privacy and Security Act.</strong> Texas residents have rights to access, correct, and delete their personal data, including SMS-related information.</li>
</ul>
<p>For full details, please read our <a href="https://debtrecoveryexperts.com/privacy.html">Privacy Policy</a>.</p>
<hr />
<h2>Sample Messages (For Carrier Review)</h2>
<p>DRE uses the following message templates for all SMS communications. These templates have been approved by The Campaign Registry as compliant with carrier standards:</p>
<ul>
<li><strong>Claim Status Update:</strong> "DRE: Your claim #12345 has a status update. Log in to view details: https://my.debtrecoveryexperts.com Reply STOP to opt out."</li>
<li><strong>Payment Reminder:</strong> "DRE Payment Reminder: A payment of $X.XX is due on [date] for claim #12345. Contact us with questions: [phone] Reply STOP to opt out."</li>
<li><strong>Demand Letter Notification:</strong> "DRE: A demand letter has been issued for claim #12345. View in your portal: [URL] Reply STOP to opt out."</li>
<li><strong>Document Available:</strong> "DRE: New documents are available for your account. Visit https://my.debtrecoveryexperts.com or call [phone]. Reply STOP to opt out."</li>
</ul>
<p>All messages include clear sender identification (DRE), the reason for the message, a contact method for questions, and a STOP opt-out instruction.</p>
<hr />
<h2>Contact for SMS Concerns</h2>
<p>If you have questions about our SMS program, wish to report an unwanted message, or need help with opt-in or opt-out:</p>
<p><strong>Debt Recovery Experts (DRE)</strong>
[Street Address]
[City], TX
Phone: [Phone]
Email: support@debtrecoveryexperts.com</p>
<p>DRE takes all SMS-related complaints seriously. We investigate every report and respond within one business day.</p>
<hr />
<blockquote>
<p><strong>⚠️ ATTORNEY REVIEW REQUIRED:</strong> Specific areas of this page — particularly the TCPA consent standard (prior express consent vs. prior express written consent), FDCPA communication restrictions for represented debtors, Mini-Miranda disclosure requirements within SMS character limits, and the scope of the FCC's one-to-one consent rule post-11th Circuit vacatur — should be reviewed by a licensed attorney familiar with TCPA, FDCPA, and 10DLC carrier requirements before publication.</p>
</blockquote>
<hr />
<p>© 2026 Debt Recovery Experts. All rights reserved.</p>
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<p class="miranda">Debt Recovery Experts is a debt collection firm. This communication is an attempt to collect a debt and any information obtained will be used for that purpose, where applicable. You have rights under the federal Fair Debt Collection Practices Act and the Texas Debt Collection Act, including the right to dispute a debt and request verification.</p>
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<h1>Terms of Use</h1>
<p class="effective">Effective date: August 22, 2026</p>
<div class="content">
<p><strong>Paste into WordPress page titled "Terms of Use" | Last Updated: July 25, 2026</strong></p>
<hr />
<blockquote>
<p><strong>IMPORTANT NOTICE:</strong> These Terms of Use contain a binding arbitration agreement and class action waiver that affect your legal rights. Please read Sections 9 and 10 carefully before using the Services.</p>
</blockquote>
<hr />
<h2>1. Introduction and Acceptance</h2>
<p>These Terms of Use ("Terms") are a binding legal agreement between you ("Client," "you," or "your") and Debt Recovery Experts ("DRE," "we," "us," or "our"). They govern your access to and use of the website located at https://debtrecoveryexperts.com (the "Site"), the claim submission portal, the payment portal, and all debt recovery services offered by DRE (collectively, the "Services").</p>
<p>By accessing the Site, creating an account, submitting a claim, executing a Limited Power of Attorney, or otherwise using the Services, you acknowledge that you have read, understood, and 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.</p>
<p>You represent that you are at least 18 years of age, possess the legal capacity to enter into a binding contract, and have not been previously suspended or removed from the Services.</p>
<p>These Terms incorporate by reference the following documents, which are also binding on you:</p>
<ul>
<li><strong>Privacy Policy</strong> — available at <a href="https://debtrecoveryexperts.com/privacy.html">Privacy Policy</a>. Governs how we collect, use, store, and share your personal information.</li>
<li><strong>Acceptable Use Policy (AUP)</strong> — available at <a href="https://debtrecoveryexperts.com/aup.html">Acceptable Use Policy</a>. Defines acceptable and prohibited conduct when using the Site and Services.</li>
</ul>
<p>Capitalized terms not defined in these Terms have the meanings given to them in the Privacy Policy or AUP. In the event of a conflict between these Terms and a per-claim service agreement, the service agreement controls for that specific claim.</p>
<hr />
<h2>2. Services Overview</h2>
<p>DRE provides commercial debt recovery services to businesses and individuals. Our Services include:</p>
<p><strong>Claim Submission.</strong> You submit unpaid commercial debt claims through our secure online portal, along with supporting documentation such as contracts, invoices, statements, and correspondence.</p>
<p><strong>AI-Assisted Review.</strong> We use proprietary tools to evaluate claims — scoring viability, researching the debtor, and identifying potential weaknesses in the documentation. This review is internal only and does not constitute legal advice.</p>
<p><strong>Limited Power of Attorney (LPOA).</strong> If a claim is accepted, you execute a Limited Power of Attorney authorizing DRE to act on your behalf to collect the specific debt. The LPOA is executed via Remote Online Notarization (RON) in compliance with Texas law.</p>
<p><strong>Tiered Recovery.</strong> DRE pursues debts through a structured escalation process:</p>
<ul>
<li><strong>Tier 1 — Soft Touch:</strong> Email notification with an ACH payment link.</li>
<li><strong>Tier 2 — Formal Demand:</strong> Certified mail demand letter sent to the debtor.</li>
<li><strong>Tier 2.5 — Lien Threat / Pre-Lien Notice:</strong> For construction claims only; a pre-lien notice sent to the debtor. If a mechanic's lien filing becomes necessary, we refer to a partner law firm.</li>
<li><strong>Tier 3 — Escalation:</strong> Final notice, plus phone and electronic contact.</li>
<li><strong>Tier 4 — Legal Action:</strong> Referral to a partner law firm for litigation or lien enforcement.</li>
</ul>
<p><strong>Payment Collection and Disbursement.</strong> Payments from debtors are processed through Stripe ACH. DRE deducts its success fee and any authorized third-party costs, then disburses the remaining balance to your designated account.</p>
<p><strong>Case Closure.</strong> When a claim is resolved — whether through collection, settlement, or determination that further action is not viable — DRE produces a closed-case binder with a complete record of the matter.</p>
<h3>What DRE Does Not Do</h3>
<p>DRE is not a law firm and does not provide legal advice. We do not file lawsuits directly — Tier 4 involves a referral to licensed attorneys who handle litigation independently. We do not file mechanic's liens directly — only pre-lien notices. We do not guarantee recovery; outcomes depend on factors beyond our control, including the debtor's financial condition and willingness to pay.</p>
<hr />
<h2>3. Eligibility and Account Registration</h2>
<h3>3.1 Eligibility Requirements</h3>
<p>To use the Services, you must:</p>
<ul>
<li>Be at least 18 years of age with the legal capacity to enter into a binding contract.</li>
<li>Be the lawful owner or authorized agent of the debt claim you submit.</li>
<li>Not be located in a jurisdiction where the Services are prohibited by law.</li>
<li>Not have been previously terminated or suspended from the Services.</li>
</ul>
<h3>3.2 Account Registration</h3>
<p>You must create an account to submit claims and use the Services. You agree to:</p>
<ul>
<li>Provide accurate, current, and complete information during registration.</li>
<li>Maintain and promptly update your account information as it changes.</li>
<li>Protect the confidentiality of your login credentials. You are responsible for all activity that occurs under your account.</li>
<li>Notify DRE immediately if you suspect unauthorized access or use of your account.</li>
</ul>
<p>DRE reserves the right to reject or terminate any account at its sole discretion.</p>
<h3>3.3 Business vs. Individual Accounts</h3>
<p>If you register as a business, you must provide your Employer Identification Number (EIN), legal business name, and the name of an authorized representative. If you register as an individual, you must provide your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN) for disbursement and tax compliance purposes.</p>
<hr />
<h2>4. Claim Submission Rules</h2>
<h3>4.1 Required Information</h3>
<p>For each claim you submit, you must provide:</p>
<ul>
<li>Complete debtor information: legal name, business name (if applicable), physical address, phone number, and email address.</li>
<li>Documentation substantiating the debt: the underlying contract or purchase order, unpaid invoices, account statements, correspondence with the debtor, and proof of delivery or completion of work.</li>
<li>Debt details: the amount owed, the date the debt was incurred, the nature of the debt, and a summary of any prior collection attempts.</li>
<li>Any additional information DRE reasonably requests during the review process.</li>
</ul>
<h3>4.2 Claim Review and Acceptance</h3>
<p>DRE reviews all submitted claims but is under no obligation to accept any claim. Acceptance is at our sole discretion and depends on factors including:</p>
<ul>
<li>Whether the debt is within the applicable statute of limitations (four years for written contracts in Texas, per Texas Civil Practice and Remedies Code § 16.004).</li>
<li>The completeness and sufficiency of the supporting documentation.</li>
<li>The likelihood of successful recovery, including the debtor's solvency, location, and asset profile.</li>
<li>Compliance with the Fair Debt Collection Practices Act (FDCPA), the Texas Finance Code Chapter 392, and all other applicable laws.</li>
</ul>
<p>If a claim is rejected, DRE will notify you in writing. DRE is not liable for any loss resulting from a rejected claim. Acceptance of a claim does not constitute a guarantee of recovery.</p>
<h3>4.3 Prohibited Claims</h3>
<p>You may not submit any claim that:</p>
<ul>
<li>Is barred by the applicable statute of limitations.</li>
<li>Has already been paid, settled, or discharged in bankruptcy.</li>
<li>You know or have reason to know is false, fraudulent, or unsubstantiated.</li>
<li>Is subject to an active bankruptcy stay on the debtor.</li>
<li>Arises from or involves illegal activity or the proceeds of crime.</li>
</ul>
<h3>4.4 Client Certification</h3>
<p>By submitting a claim, you certify that:</p>
<ul>
<li>The debt is valid, enforceable, and unpaid.</li>
<li>All information and documentation you have provided is true, accurate, and complete to the best of your knowledge.</li>
<li>You have not assigned, sold, or transferred the debt to any other party.</li>
<li>You have not taken, and will not take, any action that would impair DRE's ability to collect the debt.</li>
</ul>
<hr />
<h2>5. Limited Power of Attorney and Notarization</h2>
<h3>5.1 LPOA Execution</h3>
<p>For every claim DRE accepts, you must execute a Limited Power of Attorney (LPOA) before collection begins. The LPOA grants DRE the authority to:</p>
<ul>
<li>Communicate with the debtor regarding the specific debt identified in the LPOA.</li>
<li>Negotiate, accept, and receive payments on your behalf.</li>
<li>Endorse and deposit checks or other instruments made payable to you.</li>
<li>Execute settlement agreements and releases.</li>
<li>Take any other lawful actions necessary to collect the debt.</li>
</ul>
<h3>5.2 Scope and Limitations</h3>
<p>The LPOA is strictly limited to the specific debt claim identified. It does not grant DRE general authority over your affairs, bank accounts, or other debts. The LPOA terminates upon the earliest of:</p>
<ul>
<li>Successful collection and disbursement of the debt.</li>
<li>Written revocation by you, subject to Section 5.4.</li>
<li>Termination of these Terms or the applicable service agreement.</li>
</ul>
<h3>5.3 Remote Online Notarization (RON)</h3>
<p>LPOAs are executed through a Remote Online Notarization platform in compliance with Texas Government Code § 406.101 et seq. and applicable Texas administrative rules. During the notarization session, you must:</p>
<ul>
<li>Present valid, government-issued photo identification.</li>
<li>Appear via live audio-video communication.</li>
<li>Acknowledge your signature willingly and without duress.</li>
</ul>
<p>Any RON fee will be disclosed before the session. The video and audio recording of the session is retained in accordance with Texas notary law.</p>
<h3>5.4 Revocation</h3>
<p>You may revoke the LPOA at any time by providing written notice to DRE. Revocation does not affect:</p>
<ul>
<li>Any actions DRE took before receiving your revocation.</li>
<li>Fees or costs incurred before revocation.</li>
<li>Any partial recoveries already received, which will be remitted to you net of applicable fees.</li>
</ul>
<p>Upon revocation, DRE will cease collection activity on the affected claim.</p>
<hr />
<h2>6. Fees and Payment Terms</h2>
<h3>6.1 Fee Structure</h3>
<p>DRE charges a success fee calculated as a percentage of the amount actually collected from the debtor. No fee is charged if no recovery is made. The fee percentage depends on the tier at which the debt is resolved:</p>
<table>
<thead>
<tr>
<th>Tier</th>
<th>DRE Fee</th>
<th>Client Keeps</th>
</tr>
</thead>
<tbody>
<tr>
<td>1 — Soft Touch</td>
<td>20–25%</td>
<td>75–80%</td>
</tr>
<tr>
<td>2 — Formal Demand</td>
<td>30%</td>
<td>70%</td>
</tr>
<tr>
<td>2.5 — Lien Threat</td>
<td>30% (+ attorney fees if lien filed)</td>
<td>70%</td>
</tr>
<tr>
<td>3 — Escalation</td>
<td>33%</td>
<td>67%</td>
</tr>
<tr>
<td>4 — Legal Action</td>
<td>10% DRE + 25% law firm</td>
<td>65%</td>
</tr>
</tbody>
</table>
<p>The exact fee percentage applicable to your claim is confirmed in the per-claim service agreement before you execute the LPOA. Fees may vary based on the age, amount, and complexity of the debt.</p>
<h3>6.2 Third-Party Costs</h3>
<p>Certain out-of-pocket costs may be incurred during the recovery process. These are disclosed to you before they are incurred and may include:</p>
<ul>
<li>Certified mail and postage fees (LetterStream).</li>
<li>Online notarization fees (Proof.com or equivalent).</li>
<li>Court filing fees, if litigation is pursued.</li>
<li>Attorney fees, for Tiers 2.5 and 4.</li>
</ul>
<p>Third-party costs are deducted from the collected amount along with the success fee.</p>
<h3>6.3 Disbursement</h3>
<p>After DRE receives cleared funds from the debtor, we will:</p>
<ol>
<li>Deduct the agreed success fee.</li>
<li>Deduct any authorized third-party costs.</li>
<li>Remit the remaining balance to your designated payment method (ACH via Stripe Connect).</li>
</ol>
<p>Disbursement will be made within 30 calendar days of receipt of cleared funds, unless otherwise stated in your service agreement. A detailed fee statement will accompany each disbursement.</p>
<h3>6.4 Direct Payments from Debtor</h3>
<p>If you receive a direct payment from the debtor after the LPOA is executed, you must notify DRE immediately. Unless otherwise agreed, DRE's success fee applies to direct payments received during the LPOA period.</p>
<hr />
<h2>7. Client Representations, Warranties, and Obligations</h2>
<h3>7.1 Representations and Warranties</h3>
<p>You represent and warrant that:</p>
<ul>
<li>You are the lawful owner or authorized agent of the owner of the debt claim submitted.</li>
<li>The debt is valid, enforceable, and not barred by any applicable statute of limitations.</li>
<li>All information and documentation you have provided is true, accurate, and complete to the best of your knowledge.</li>
<li>The debt has not been previously assigned, sold, or transferred to another party.</li>
<li>There are no pending bankruptcy proceedings affecting the debt.</li>
<li>You have not and will not take any action that would impair DRE's ability to collect the debt.</li>
</ul>
<h3>7.2 Ongoing Obligations</h3>
<p>During the recovery process, you agree to:</p>
<ul>
<li>Cooperate with DRE and provide additional information or documentation as reasonably requested.</li>
<li>Refrain from communicating directly with the debtor regarding the debt after the LPOA is executed, unless DRE gives prior written consent.</li>
<li>Refrain from settling the debt or accepting payment directly without DRE's prior written consent.</li>
<li>Promptly review all documents DRE provides and notify us of any errors or concerns.</li>
<li>Notify DRE immediately of any change in your contact information, ownership of the debt, or bankruptcy filing by either party.</li>
</ul>
<hr />
<h2>8. DRE's Rights and Obligations</h2>
<h3>8.1 Collection Methods</h3>
<p>DRE will use commercially reasonable efforts to collect debts. Authorized collection methods include:</p>
<ul>
<li>Written demand letters, delivered by email and certified mail.</li>
<li>Telephone and electronic communications with the debtor.</li>
<li>Negotiation of payment plans, settlements, or structured resolutions.</li>
<li>Pre-lien notices for construction claims.</li>
<li>Referral to partner law firms for litigation or lien filing at Tiers 2.5 and 4.</li>
<li>Any other lawful means consistent with applicable law.</li>
</ul>
<h3>8.2 Compliance with Law</h3>
<p>All DRE collection activities are conducted in compliance with:</p>
<ul>
<li>The Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.</li>
<li>The Texas Finance Code, Chapter 392 (Texas Debt Collection Act).</li>
<li>The Telephone Consumer Protection Act (TCPA), 47 U.S.C. § 227.</li>
<li>The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., where applicable.</li>
<li>All other applicable federal, state, and local laws.</li>
</ul>
<h3>8.3 DRE Discretion</h3>
<p>DRE retains sole discretion over:</p>
<ul>
<li>Whether to accept a claim for recovery.</li>
<li>The collection strategies and escalation timing used.</li>
<li>Settlement amounts and payment terms offered to debtors.</li>
<li>Whether to pursue legal action or refer a claim to counsel.</li>
</ul>
<h3>8.4 No Guarantee of Recovery</h3>
<p>DRE makes no guarantee or warranty that any debt will be collected. We use commercially reasonable efforts, but recovery depends on factors beyond our control, including the debtor's financial condition, location, and willingness to pay.</p>
<hr />
<h2>9. Dispute Resolution</h2>
<h3>9.1 Internal Dispute Resolution</h3>
<p>If you have a dispute regarding our Services, you must first notify DRE in writing at the contact address provided on the Site or at the end of these Terms. DRE will review your dispute and respond within 30 calendar days. Both parties agree to attempt in good faith to resolve the dispute before initiating formal proceedings.</p>
<h3>9.2 Debtor Disputes</h3>
<p>If a debtor disputes the validity of a debt during the collection process, DRE will:</p>
<ul>
<li>Cease collection activities pending verification.</li>
<li>Provide the debtor with verification of the debt as required by the FDCPA.</li>
<li>Notify you of the dispute and request any additional supporting documentation.</li>
</ul>
<h3>9.3 Binding Arbitration</h3>
<p><strong>All disputes arising out of or relating to these Terms, the Services, or any claim submitted to DRE — except those listed in Section 9.5 — shall be resolved exclusively through binding individual arbitration.</strong> The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules or Commercial Arbitration Rules, as applicable.</p>
<p>The arbitration will be conducted by a single neutral arbitrator in Travis County, Texas, unless the parties agree otherwise. The arbitrator's decision shall be final and binding and may be entered as a judgment in any court of competent 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.</p>
<h3>9.4 Class Action Waiver</h3>
<p>All claims must be brought in your individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding. If this class action waiver is found to be unenforceable, the class claim must proceed in court rather than in arbitration.</p>
<h3>9.5 Exceptions to Arbitration</h3>
<p>The following claims are not subject to arbitration:</p>
<ul>
<li>Claims brought in small claims court, if they qualify under applicable jurisdictional limits.</li>
<li>Claims for injunctive or equitable relief regarding unauthorized use of the Services or DRE's intellectual property.</li>
<li>Claims under the FDCPA or Texas Finance Code that, by law, cannot be compelled to arbitration.</li>
</ul>
<h3>9.6 Governing Law</h3>
<p>These Terms and any disputes arising under them shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws principles. Federal law governs where applicable, including claims arising under the FDCPA, FCRA, and TCPA.</p>
<hr />
<h2>10. Limitation of Liability and Disclaimers</h2>
<h3>10.1 Disclaimers</h3>
<p>The Site and Services are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.</p>
<p>DRE makes no warranty that any debt will be collected or that the Services will be uninterrupted, error-free, or completely secure. Content on the Site, AI-assisted claim analysis, and communications from DRE are for informational purposes only and do not constitute legal advice. No attorney-client relationship is created by your use of the Services.</p>
<p>DRE is not responsible for the acts or omissions of third-party platforms used in connection with the Services, including Proof.com, LetterStream, Stripe, and partner law firms.</p>
<h3>10.2 Limitation of Damages</h3>
<p>To the maximum extent permitted by applicable law, DRE, its officers, directors, employees, agents, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, loss of business opportunity, loss of data, or loss of goodwill, arising out of or relating to these Terms or the Services, even if DRE has been advised of the possibility of such damages.</p>
<h3>10.3 Liability Cap</h3>
<p>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:</p>
<ul>
<li>The amount of fees actually paid by you to DRE for the specific claim giving rise to the liability, or</li>
<li>Five hundred dollars ($500.00).</li>
</ul>
<h3>10.4 Force Majeure</h3>
<p>DRE shall not be liable for delays or failures in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, civil unrest, pandemics, government actions, or internet or utility outages.</p>
<hr />
<h2>11. Indemnification</h2>
<p>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:</p>
<ul>
<li>Your breach of these Terms or any representation or warranty made herein.</li>
<li>Your submission of false, fraudulent, or inaccurate information.</li>
<li>Your violation of any applicable law, including the FDCPA and Texas Finance Code.</li>
<li>Your direct communication with the debtor after the LPOA is executed without DRE's prior written consent.</li>
<li>Any claim that the debt you submitted is invalid, unenforceable, or not owned by you.</li>
<li>Any act or omission by you that impairs DRE's ability to collect the debt.</li>
</ul>
<hr />
<h2>12. Intellectual Property</h2>
<h3>12.1 DRE Content</h3>
<p>All content on the Site — including text, graphics, logos, software, documentation, and AI models and tools — is the property of DRE or its licensors and is protected by copyright, trademark, and other intellectual property laws.</p>
<h3>12.2 Limited License</h3>
<p>DRE grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site and Services for their intended purpose.</p>
<h3>12.3 Restrictions</h3>
<p>You may not:</p>
<ul>
<li>Copy, modify, distribute, or create derivative works of Site content without DRE's prior written consent.</li>
<li>Use any data mining, robots, scrapers, or similar automated data-gathering tools on the Site.</li>
<li>Reverse engineer, decompile, or disassemble any aspect of the Site or Services.</li>
</ul>
<hr />
<h2>13. Privacy and Acceptable Use</h2>
<h3>13.1 Privacy Policy</h3>
<p>DRE's Privacy Policy, available at <a href="https://debtrecoveryexperts.com/privacy.html">Privacy Policy</a>, is incorporated into these Terms by reference. The Privacy Policy describes how DRE collects, uses, stores, shares, and protects your personal information.</p>
<h3>13.2 Acceptable Use Policy</h3>
<p>DRE's Acceptable Use Policy (AUP), available at <a href="https://debtrecoveryexperts.com/aup.html">Acceptable Use Policy</a>, is incorporated into these Terms by reference. The AUP defines acceptable and prohibited conduct when using the Site and Services. Violations of the AUP are violations of these Terms and may result in account suspension or termination.</p>
<hr />
<h2>14. Termination</h2>
<h3>14.1 Termination by Client</h3>
<p>You may terminate your account at any time by providing written notice to DRE. Termination does not affect:</p>
<ul>
<li>Obligations under any active LPOA.</li>
<li>Fees owed for services already rendered.</li>
<li>Any provision of these Terms that by its nature survives termination, including Sections 6, 7, 9, 10, and 11.</li>
</ul>
<h3>14.2 Termination by DRE</h3>
<p>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 or the AUP. DRE will provide notice of termination where practicable.</p>
<h3>14.3 Effect of Termination</h3>
<p>Upon termination:</p>
<ul>
<li>You must cease all use of the Services.</li>
<li>Active collection efforts on pending claims will cease, and any active LPOA will be terminated.</li>
<li>DRE retains the right to collect its fees for work performed prior to termination.</li>
<li>Your data will be handled in accordance with the Privacy Policy's retention schedule.</li>
</ul>
<hr />
<h2>15. General Provisions</h2>
<p><strong>Entire Agreement.</strong> These Terms, together with the Privacy Policy, Acceptable Use Policy, and any per-claim service agreement, constitute the entire agreement between you and DRE regarding the Services.</p>
<p><strong>Amendment.</strong> DRE may modify these Terms at any time. Changes will be effective upon posting to the Site. Material changes will be communicated to you via email (if on file) and/or a Site notice. Your continued use of the Services after changes are posted constitutes acceptance of the modified Terms.</p>
<p><strong>Severability.</strong> If any provision of these Terms is found to be invalid or unenforceable, that provision shall be severed, and the remaining provisions shall remain in full force and effect.</p>
<p><strong>Waiver.</strong> DRE's failure to enforce any provision of these Terms shall not constitute a waiver of that provision or any other provision.</p>
<p><strong>Assignment.</strong> You may not assign your rights or obligations under these Terms without DRE's prior written consent. DRE may assign these Terms without restriction.</p>
<p><strong>Notices.</strong> All written notices to DRE must be sent to the contact information provided at the end of these Terms. Notices to you will be sent to the email address associated with your account.</p>
<p><strong>Survival.</strong> Sections related to fees, indemnification, limitation of liability, arbitration, governing law, and any other provisions that by their nature should survive, will survive termination of these Terms.</p>
<hr />
<h2>16. Contact Information</h2>
<p>For questions, disputes, or notices under these Terms, contact:</p>
<p><strong>Debt Recovery Experts (DRE)</strong>
[Street Address]
[City], TX
Email: support@debtrecoveryexperts.com
Phone: [Phone]
Website: https://debtrecoveryexperts.com</p>
<hr />
<blockquote>
<p><strong>⚠️ ATTORNEY REVIEW REQUIRED:</strong> This document must be reviewed by a licensed Texas attorney before publication. Key review items: arbitration enforceability under Texas and federal law, liability cap compliance with Texas Finance Code Chapter 392, FDCPA carve-outs and applicability to B2B commercial collections, LPOA scope language per Texas Estates Code, and incorporation-by-reference validity for the Privacy Policy and AUP.</p>
</blockquote>
<hr />
<p>© 2026 Debt Recovery Experts. All rights reserved.</p>
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