1. Scope
This Privacy Policy governs how Coast To Coast Financial Solutions collects, uses, and protects information through our website (“Website”) and services, including SMS communications (“Service”), in compliance with the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), California Consumer Privacy Act (CCPA), California’s Rosenthal Fair Debt Collection Practices Act, and other applicable laws.
2. Information We Collect
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Personal Data: Name, phone number, address, email, or financial information provided during account registration, debt resolution, or payment processing.
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Usage Data: Information about your interactions with the Website or Service (e.g., IP address, browser type, pages visited, or SMS interactions), collected automatically.
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Debt-Related Data: Information from creditors or third parties to facilitate debt collection.
3. How We Use Information
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To provide and manage debt collection, payment arrangements, and account updates.
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To communicate via SMS, email, or phone for transactional or debt-related purposes, with your consent where required by TCPA or CCPA.
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To improve Website and Service functionality, including analytics and user experience.
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To comply with legal obligations, including FDCPA, Rosenthal Act, and CCPA requirements.
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To detect and prevent fraud or unauthorized access.
4. Sharing Information
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We share data with service providers (e.g., SMS providers, payment processors) to operate the Service or Website.
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We may disclose data to creditors, legal authorities, or as required by law (e.g., court orders or CCPA compliance).
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We do not sell your personal data, as defined under CCPA, to third parties for marketing purposes.
5. Data Security
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We use industry-standard measures (e.g., encryption, secure servers) to protect your data.
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No method is 100% secure; we cannot guarantee absolute security of your information.
6. Cookies and Tracking
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The Website uses cookies to enhance functionality and track usage (e.g., session management, analytics).
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You can disable cookies via browser settings, but this may limit Website functionality.
7. Your Rights Under CCPA and Other Laws
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Opt-Out: Opt out of SMS communications by replying “STOP” or contacting [email protected] or 805.506.8060.
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Debt Disputes: Request debt verification or dispute a debt per FDCPA and Rosenthal Act guidelines by contacting [email protected] or 805.506.8060.
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CCPA Rights: California residents may request to know, delete, or opt out of the sale of personal information (though we do not sell data). Submit requests to [email protected] or 805.506.8195. We will respond within 45 days, as required by CCPA.
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Do Not Call: Request to be added to our internal Do Not Call list by contacting [email protected] or 805.506.8060.
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Non-Discrimination: We will not discriminate against you for exercising CCPA rights.
8. Third-Party Links
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The Website may link to third-party sites. We are not responsible for their privacy practices or content.
9. Children’s Privacy
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The Website and Service are not intended for individuals under 18. We do not knowingly collect data from minors, per CCPA and other laws.
10. Changes to Policy
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We may update this Policy at any time. Changes are effective upon posting to the Website.
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Continued use of the Website or Service constitutes acceptance of updates.
11. Contact
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For questions, disputes, data requests, or to opt out, contact Coast To Coast Financial Solutions at [email protected], 805.506.8060 (Collections), or 805.506.8195 (Customer Service).
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For debt-related inquiries, FDCPA/Rosenthal Act disputes, or CCPA requests, reach us at [email protected] or 805.506.8060.
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Mailing Address: Coast To Coast Financial Solutions, 101 Hodencamp Road, Suite 120, Thousand Oaks, CA 91360.
