Your privacy matters. This Privacy Policy explains how Lumen Partners Inc. ("Company," "we," "us," or "our") collects, uses, shares, and protects your personal information when you visit american-debt-path.pages.dev or use our services. By using our website, you agree to the practices described in this policy.
1. Information We Collect
1.1 Information You Provide Directly
When you complete our debt assessment quiz, request information, or contact us, we may collect:
- Contact Information: Full name, email address, phone number, mailing address
- Financial Information: Estimated debt amount, types of debt (credit card, medical, personal loan, etc.), monthly income range, employment status
- Demographic Information: State of residence, age range
- Communication Preferences: How you prefer to be contacted
1.2 Information Collected Automatically
When you visit our website, we automatically collect:
- Device Information: IP address, browser type and version, operating system, device type
- Usage Data: Pages visited, time on site, click patterns, referring URL, exit pages
- Location Data: Approximate geographic location derived from IP address
- Cookies and Tracking Technologies: See Section 6 below
1.3 Information from Third Parties
We may receive information about you from:
- Advertising platforms (e.g., Meta/Facebook, Google) that directed you to our site
- Data enrichment services to verify or supplement information you provide
- Public records databases
2. How We Use Your Information
We use the information we collect to:
- Connect You with Debt Relief Services: Match you with qualified debt settlement firms, attorneys, or financial service providers who can assist with your specific situation
- Communicate with You: Respond to your inquiries, send information you've requested, and follow up on your debt relief needs via phone, email, or SMS
- Improve Our Services: Analyze usage patterns to improve our website, quiz experience, and matching algorithms
- Comply with Legal Obligations: Maintain records as required by law, respond to legal process, and protect our rights
- Marketing: With your consent, send you information about related financial services that may benefit you
3. How We Share Your Information
Important: We are a lead generation service. When you submit your information through our quiz or forms, you are requesting to be connected with third-party debt settlement providers. This means your information will be shared with those providers.
3.1 Service Providers and Partners
We share your personal information with:
- Debt Settlement Firms and Attorneys: Licensed professionals who can help with your debt situation. These partners pay us a fee to receive your inquiry.
- Technology Providers: Companies that help us operate our website, CRM, email systems, and analytics (e.g., GoHighLevel, Cloudflare, Google Analytics)
- Marketing Partners: Advertising platforms used to reach consumers who may benefit from debt relief services
3.2 Legal and Compliance Disclosures
We may disclose your information when required by law, including:
- In response to a subpoena, court order, or government investigation
- To protect the rights, property, or safety of Lumen Partners Inc., our users, or the public
- In connection with a merger, acquisition, or sale of assets
3.3 Categories of Information Shared
| Category | Shared With | Purpose |
|---|
| Contact Info (name, phone, email) | Debt settlement firms | To contact you about services |
| Financial Info (debt amount, type) | Debt settlement firms | To evaluate your eligibility |
| Device/Usage Data | Analytics providers | To improve our website |
| Advertising Identifiers | Ad platforms | To measure ad performance |
4. Your Rights and Choices
4.1 All Users
- Opt-Out of Communications: Unsubscribe from marketing emails via the link in each message, or reply STOP to any SMS. You may also call us to be placed on our internal Do Not Call list.
- Access and Correction: Request a copy of your personal data or ask us to correct inaccuracies by emailing legal@lumenleads.live.
- Deletion: Request deletion of your personal data, subject to legal retention requirements.
4.2 California Residents (CCPA/CPRA)
If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):
- Right to Know: Request what personal information we've collected, used, shared, or sold about you in the past 12 months.
- Right to Delete: Request deletion of personal information we've collected from you.
- Right to Opt-Out of Sale/Sharing: Direct us not to sell or share your personal information. Visit our Do Not Sell or Share My Personal Information page.
- Right to Correct: Request correction of inaccurate personal information.
- Right to Limit Use of Sensitive Personal Information: Limit how we use sensitive categories of data.
- Right to Non-Discrimination: We will not deny you services, charge different prices, or provide a different quality of service because you exercised your CCPA/CPRA rights.
To exercise these rights, email legal@lumenleads.live with the subject line "CCPA Request" or call us. We will verify your identity and respond within 45 days.
4.3 Other State Privacy Laws
Residents of Virginia (VCDPA), Colorado (CPA), Connecticut (CTDPA), Utah (UCPA), and other states with consumer privacy laws may have similar rights. Contact us at legal@lumenleads.live to exercise your rights under applicable state law.
5. Consent to Contact (TCPA Disclosure)
By submitting your information through our website forms, you provide your express written consent for Lumen Partners Inc. and its network of debt settlement service providers to contact you at the phone number(s) you provided, including via automated telephone dialing systems, auto-dialers, pre-recorded/artificial voice messages, and/or SMS/text messages, even if your phone number is on a state or federal Do Not Call list. Consent is not a condition of purchasing any goods or services. Message and data rates may apply. You may revoke consent at any time.
6. Cookies and Tracking Technologies
We use the following technologies:
- Essential Cookies: Required for the website to function properly (session management, security).
- Analytics Cookies: Help us understand how visitors interact with our site (Google Analytics, Meta Pixel).
- Advertising Cookies: Used by our advertising partners to deliver relevant ads and measure campaign performance (Meta/Facebook Pixel, Google Ads tags).
You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.
7. Data Security
We implement reasonable administrative, technical, and physical safeguards to protect your personal information, including:
- SSL/TLS encryption for data in transit
- Access controls limiting employee access to personal data
- Regular security assessments
- Secure data storage with reputable cloud providers
However, no method of transmission or storage is 100% secure. We cannot guarantee absolute security of your data.
8. Data Retention
We retain your personal information for as long as necessary to fulfill the purposes described in this policy, typically:
- Lead Data: Up to 24 months from collection, unless you request earlier deletion
- Communication Records: Up to 36 months for compliance and dispute resolution
- Analytics Data: Up to 26 months (aggregated/de-identified)
9. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children under 18. If we learn we have collected information from a child, we will delete it promptly.
10. Third-Party Links
Our website may contain links to third-party websites or services. We are not responsible for the privacy practices of those third parties. We encourage you to review their privacy policies before providing any personal information.
11. Changes to This Policy
We may update this Privacy Policy from time to time. When we make material changes, we will update the "Last Updated" date at the top and, where required, provide additional notice. Your continued use of our website after changes constitutes acceptance of the updated policy.
12. Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights:
- Email: legal@lumenleads.live
- Mail: Lumen Partners Inc., Attn: Privacy Officer, 138-42 76th Ave, Flushing, NY 11367