Privacy Policy

Last updated 27.10.2022

This privacy notice for The Semrad Law Firm also known as DebtStoppers (“company,” “we,” “us,” or “our“), describes how and why we might collect, store, use, and/or share (“process“) your information when you use our services (“services“), such as when you:

Visit our website at https://www.debtstoppers.com, or any website of ours that links to this privacy notice
Engage with us in other related ways, including any sales, marketing, or events

Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our services. If you still have any questions or concerns, please contact us at office@semradlaw.com.

Summary of key points

This summary provides key points from our privacy notice, but you can find out more details about any of these topics by clicking the link following each key point or by using our table of contents below to find the section you are looking for. You can also go directly to our table of contents.

What personal information do we process? When you visit, use, or navigate our services, we may process personal information depending on how you interact with The Semrad Law Firm and the services, the choices you make, and the products and features you use.

Do we process any sensitive personal information? We do not process sensitive personal information.

Do you receive any information from third parties? We do not receive any information from third parties.

How do you process my information? We process your information to provide, improve, and administer our services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.

In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties.

How do we keep your information safe? We have organizational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.

What are your rights? Depending on where you are located geographically, the applicable privacy law may mean you have certain rights regarding your personal information.

How do I exercise my rights? The easiest way to exercise your rights is by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.

Want to learn more about what The Semrad Law Firm does with any information we collect?

Table of contents

What information do we collect?
How do we process your information?
What legal bases do we rely on to process your personal information?
When and with whom do we share your personal information?
Do we use cookies and other tracking technologies?
How long do we keep your information?
How do we keep your information safe?
Do we collect information from minors?
What are your privacy rights?
Controls for do-not-track features
Do California residents have specific privacy rights?
Do we make updates to this notice?
How can you contact us about this notice?
How can you review, update, or delete the data we collect from you?
SMS Campaigns

1.What information do we collect?

Personal information you disclose to us

In short: we collect personal information that you provide to us.

We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our products and services, when you participate in activities on the services, or otherwise when you contact us.

Personal information provided by you. Personally identifiable information ("PII") collected with your consent may include, for example, name, mailing address, e-mail address, telephone number, fax number, occupation, any information you provide to us when using the services on our websites, any responses you choose to provide to survey questions, information provided in connection with subscribing to a newsletter, any inquiries you may make through our websites, or any other PII you provide to us through our websites.

In addition, we collect information, including PII, in connection with attempts to log-in to our products and services through our websites and the actions taken by users while they are logged into our online products and services. This may include, for example, collecting information pertaining to searches conducted, the pages visited during the online session, and any or all other interactions that the user may have with our systems while the user is logged into one of our products or services.

The personal information we collect may include the following:

Email addresses
Names
Phone numbers
Mailing address
Occupation, etc.

We strive to maintain the accuracy of the PII collected through our websites. We will provide you (whether you are a consumer or a customer) with access to PII you provide through our websites for as long as we maintain that information in a readily accessible format. We will also work with you to correct any PII you submitted to us.

If you wish to access PII that you have submitted through our websites or to request the correction of any inaccurate PII you have submitted through our websites, please use the mechanisms provided by our websites.

The access and correction provisions of this Online Privacy Policy only apply to PII collected from you through our websites.

All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information. Some occasions may require us to collect sensitive information in order to proceed further with the services you chose to use with the Semrad Law Firm, also known as DebtStoppers.

From whom do we collect personal data?

Customers who registered to receive marketing messages
Customers who requested more information / quotes from you
Customers who signed up for an account / your loyalty program

Non-personally identifiable Information.

Our websites also may collect non-personally identifiable information. For example, as you browse our websites we may collect information about your visit. Via Web server logs, for example, we may monitor statistics such as: the number of people that visit our websites, which page(s) are visited on our websites, from which domain our visitors come (e.g., google.com, microsoft.com), and which browsers people use to visit our websites (e.g. Safari, Microsoft Internet Explorer, etc.). We also may compile statistics that show the numbers and frequency of visitors to our websites and its individual pages. These aggregated statistics may be used internally to improve our websites and for product development and marketing purposes generally. The aggregated statistics may also be provided to advertisers and other third parties, but again, the statistics contain no PII.

Our websites also may use outsourcing programs to assist us in analyzing this data to better our websites.

Information automatically collected

In short: some information — such as your internet protocol (ip) address and/or browser and device characteristics — is collected automatically when you visit our services.

We automatically collect certain information when you visit, use, or navigate the services. This information does not reveal your specific identity (like your name or contact information) but may include device and usage information, such as your ip address, browser and device characteristics, operating system, language preferences, referring urls, device name, country, location, information about how and when you use our services, and other technical information. This information is primarily needed to maintain the security and operation of our services, and for our internal analytics and reporting purposes.

Like many businesses, we also collect information through cookies and similar technologies.

The information we collect includes:

Log and usage data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our services and which we record in log files. Depending on how you interact with us, this log data may include your ip address, device information, browser type, and settings and information about your activity in the services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called “crash dumps”), and hardware settings).
Device data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the services. Depending on the device used, this device data may include information such as your ip address (or proxy server), device and application identification numbers, location, browser type, hardware model, internet service provider and/or mobile carrier, operating system, and system configuration information.
Location data. We collect location data such as information about your device’s location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the services. For example, we may use gps and other technologies to collect geolocation data that tells us your current location (based on your ip address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the services.

2.How do we process your information?

In short: we process your information to provide, improve, and administer our services, communicate with you, for security and fraud prevention, and to comply with law. We may also process your information for other purposes with your consent.

We process your personal information for a variety of reasons, depending on how you interact with our services, including:

To request feedback. We may process your information when necessary to request feedback and to contact you about your use of our services.
To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time. For more information, see “What are your privacy rights?” below.
To deliver targeted advertising to you. We may process your information to develop and display personalized content and advertising tailored to your interests, location, and more.
To protect our services. We may process your information as part of our efforts to keep our services safe and secure, including fraud monitoring and prevention.
To identify usage trends. We may process information about how you use our services to better understand how they are being used so we can improve them.
To determine the effectiveness of our marketing and promotional campaigns. We may process your information to better understand how to provide marketing and promotional campaigns that are most relevant to you.
To save or protect an individual’s vital interest. We may process your information when necessary to save or protect an individual’s vital interest, such as to prevent harm.

3. What legal bases do we rely on to process your information?

In short: we only process your personal information when we believe it is necessary and we have a valid legal reason (i.e., legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services to enter into or fulfill our contractual obligations, to protect your rights, or to fulfill our legitimate business interests.

If you are located in the EU or UK, this section applies to you.

The general data protection regulation (GDPR) and UK GDPR require us to explain the valid legal bases we rely on in order to process your personal information. As such, we may rely on the following legal bases to process your personal information:

Consent. We may process your information if you have given us permission (i.e., consent) to use your personal information for a specific purpose. You can withdraw your consent at any time.
Legitimate interests. We may process your information when we believe it is reasonably necessary to achieve our legitimate business interests and those interests do not outweigh your interests and fundamental rights and freedoms. For example, we may process your personal information for some of the purposes described in order to:
Send users information about special offers and discounts on our products and services
Develop and display personalized and relevant advertising content for our users
Analyze how our services are used so we can improve them to engage and retain users
Support our marketing activities
Diagnose problems and/or prevent fraudulent activities
Understand how our users use our products and services so we can improve user experience
Legal obligations. We may process your information where we believe it is necessary for compliance with our legal obligations, such as to cooperate with a law enforcement body or regulatory agency, exercise or defend our legal rights, or disclose your information as evidence in litigation in which we are involved.
Vital interests. We may process your information where we believe it is necessary to protect your vital interests or the vital interests of a third party, such as situations involving potential threats to the safety of any person.

If you are located in Canada, this section applies to you.

We may process your information if you have given us specific permission (i.e., express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e., implied consent). You can withdraw your consent at any time.

In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:

If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
For investigations and fraud detection and prevention
For business transactions provided certain conditions are met
If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
For identifying injured, ill, or deceased persons and communicating with next of kin
If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
If the collection is solely for journalistic, artistic, or literary purposes
If the information is publicly available and is specified by the regulations

4. When and with whom do we share your personal information?

In short: we may share information in specific situations described in this section and/or with the following third parties.

We may need to share your personal information in the following situations:

Business transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
Onward transfer. We may disclose information you provide to us to third parties in order to complete a transaction that you requested or as otherwise permitted by your organization's customer agreement(s) (if any).We may also outsource some tasks, including the operation of certain website functions that require access to information you supply online and information about your visits to our websites. In such cases, however, we require that the companies acting on our behalf institute safeguards to protect the confidentiality of your information. If our company or our assets are acquired by another company, that company will assume responsibility for the personal information collected by us through our websites and it will assume the rights and obligations regarding the information collected through our websites, as described in this privacy policy. If you choose to make information available to other people through instant messages, group chats, electronic mail messages, blog postings, your networking profile (if any), registering for an event, or by joining groups or using other networking functions that we may offer on our websites, this information will be visible to third parties. Please take care in deciding what information you choose to make available through these mechanisms, as we do not control the manner in which recipients or persons who may see the information may use or re-disclose the information that you choose to provide. Finally, please note that we may disclose personal information when required by law or in the good faith belief that such action is necessary in order to comply with the law or legal process or is pertinent to judicial or governmental investigations or proceedings.
Third-party vendors & Advertising Partners. We may share your information in connection with enhancing our marketing processes in order to target and deliver better advertisements and tailor content for your needs. These vendors include and are not limited to Google Ads, Microsoft Ads, Mailchimp, etc. Some of the advertisers on our site may use cookies and web beacons.. Each of our advertising partners has their own Privacy Policy for their policies on user data. For easier access, we hyperlinked to their Privacy Policies below.
- Google - https://policies.google.com/technologies/ads
- Microsoft Ads -
  https://about.ads.microsoft.com/en-us/resources/policies/microsoft-advertising-privacy-policy
- Mailchimp - https://www.intuit.com/privacy/statement/
- Meta - https://www.facebook.com/privacy/policy/
- LinkedIn - https://www.linkedin.com/legal/privacy-policy
- Twitter - https://twitter.com/en/privacy

We share your information with third parties to perform ad measurement services on our behalf, and we obtain customer consent for such sharing and use where legally required. You may consult this list to find the Privacy Policy for each of the advertising partners of The Semrad Law Firm. Third-party ad servers or ad networks use technologies like cookies, JavaScript, or Web Beacons that are used in their respective advertisements and links that appear on The Semrad Law Firm, which are sent directly to users’ browsers. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit. Note that The Semrad Law Firm has no access to or control over these cookies that are used by third-party advertisers.

5. Do we use cookies and other tracking technologies?

In short: we may use cookies and other tracking technologies to collect and store your information.

We may use cookies and similar tracking technologies (like web beacons and pixels) to access or store information. Specific information about how we use such technologies and how you can refuse certain cookies is set out in our cookie notice.

Our websites may use browser "cookies", local shared objects (also known as "Flash cookies") or other technologies.

Browser cookies are small pieces of information that are stored by your browser on your computer. Browser cookies, for example, may be used by our websites to help us manage your visit to our websites or determine whether a visitor is unique or whether a visitor has viewed our websites before. While most browsers are set to accept cookies by default, you can set yours to refuse cookies or to alert you before accepting them. Your browser manufacturer has information on changing the default setting for your specific browser. Deleting or refusing to accept cookies from our websites, however, may limit your ability to use some portions of our websites which require the use of cookies to operate effectively.

Our websites also may use local shared objects, also known as "Flash cookies" to store your preferences or display content based upon what you view on our websites to personalize your visit. Flash cookies are different from browser cookies because of the amount of, type of, and how data is stored. Cookie management tools provided by your browser will not remove Flash cookies.

Third Parties, with whom we may partner to provide certain features on our websites or to display advertising based upon your Web browsing activity, may use browser cookies or Flash cookies to collect and store information.

Google DoubleClick DART Cookie Google is one of the third-party vendors on our site. It also uses cookies, known as DART cookies, to serve ads to our site visitors based upon their visit to www.website.com and other sites on the internet. However, visitors may choose to decline the use of DART cookies by visiting the Google ad and content network Privacy Policy at the following URL – https://policies.google.com/technologies/ads

6.How long do we keep your information?

In short: We keep your information for as long as necessary to fulfill the purposes outlined in this privacy notice unless otherwise required by law.

We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 2 years.

When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.

7.How do we keep your information safe?

In short: we aim to protect your personal information through a system of organizational and technical security measures.

We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our services is at your own risk. You should only access the services within a secure environment.

8.Do we collect information from minors?

In short: we do not knowingly collect data from or market to children under 18 years of age.

We do not knowingly solicit data from or market to children under 18 years of age. By using the services, you represent that you are at least 18 or that you are the parent or guardian of such a minor and consent to such minor dependent’s use of the services. If we learn that personal information from users less than 18 years of age has been collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data, we may have collected from children under age 18, please contact us at office@semradlaw.com.

9.What are your privacy rights?

In short: in some regions, such as the European Economic Area (EEA), United Kingdom (UK), and Canada, you have rights that allow you greater access to and control over your personal information. You may review, change, or terminate your account at any time.

In some regions (like the EEA, UK and Canada), you have certain rights under applicable data protection laws. These may include the right (i) to request access and obtain a copy of your personal information, (ii) to request rectification or erasure; (iii) to restrict the processing of your personal information; and (iv) if applicable, to data portability. In certain circumstances, you may also have the right to object to the processing of your personal information. You can make such a request by contacting us by using the contact details provided in the section “How can you contact us about this notice?” Below.

We will consider and act upon any request in accordance with applicable data protection laws.

If you are located in the EEA or UK and you believe we are unlawfully processing your personal information, you also have the right to complain to your local data protection supervisory authority. You can find their contact details here:

https://ec.europa.eu/justice/data-protection/bodies/authorities/index_en.htm.

If you are located in Switzerland, the contact details for the data protection authorities are available here: https://www.edoeb.admin.ch/edoeb/en/home.html.

Withdrawing your consent: if we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us at the aforementioned email.

However, please note that this will not affect the lawfulness of the processing before its withdrawal, nor when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.

Opting out of marketing and promotional communications: you can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section “How can you contact us about this notice?” below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.

Cookies and similar technologies: most web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our services. To opt out of interest-based advertising by advertisers on our services visit http://www.aboutads.info/choices/.

If you have questions or comments about your privacy rights, you may email us at office@semradlaw.com.

10.Controls for do-not-track features

Most web browsers and some mobile operating systems and mobile applications include a do-not-track (“DNT”) feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to dnt browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this privacy notice.

11.Do California residents have specific privacy rights?

In short: yes, if you are a resident of California, you are granted specific rights regarding access to your personal information.

California civil code section 1798.83, also known as the “shine the light” law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year. If you are a California resident and would like to make such a request, please submit your request in writing to us using the contact information provided below.

If you are under 18 years of age, reside in California, and have a registered account with services, you have the right to request removal of unwanted data that you publicly post on the services. To request removal of such data, please contact us using the contact information provided below and include the email address associated with your account and a statement that you reside in California. We will make sure the data is not publicly displayed on the services, but please be aware that the data may not be completely or comprehensively removed from all our systems (e.g., backups, etc.).

CCPA privacy notice

The California code of regulations defines a “resident” as:

(1) every individual who is in the state of California for other than a temporary or transitory purpose and

(2) every individual who is domiciled in the state of California who is outside the state of California for a temporary or transitory purpose

All other individuals are defined as “non-residents.”

If this definition of “resident” applies to you, we must adhere to certain rights and obligations regarding your personal information.

What categories of personal information do we collect?

We have collected the following categories of personal information in the past twelve (12) months:

Category	Examples	Collected
A. Identifiers	Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, internet protocol address, email address, and account name	Yes
B. Personal information categories listed in the California customer records statute	Name, contact information, education, employment, employment history, and financial information	Yes
C. Protected classification characteristics under California or federal law	Gender and date of birth	Yes
D. Commercial information	Transaction information, purchase history, financial details, and payment information	Yes
E. Biometric information	Fingerprints and voiceprints	No
F. Internet or other similar network activity	Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements	Yes
G. Geolocation data	Device location	Yes
H. Audio, electronic, visual, thermal, olfactory, or similar information	Images and audio, video or call recordings created in connection with our business activities	Yes
I. Professional or employment-related information	Business contact details in order to provide you our services at a business level or job title, work history, and professional qualifications if you apply for a job with us	Yes
J. Education information	Student records and directory information	Yes
K. Inferences drawn from other personal information	Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics	Yes

We may also collect other personal information outside of these categories instances where you interact with us in person, online, or by phone or mail in the context of:

Receiving help through our customer support channels;
Participation in customer surveys or contests; and
Facilitation in the delivery of our services and to respond to your inquiries.

How do we use and share your personal information?

More information about our data collection and sharing practices can be found in this privacy notice.

You may contact us by email at office@semradlaw.com, by visiting https://www.debtstoppers.com/contact-us/ or by referring to the contact details at the bottom of this document.

If you are using an authorized agent to exercise your right to opt out we may deny a request if the authorized agent does not submit proof that they have been validly authorized to act on your behalf.

Will your information be shared with anyone else?

We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider. Each service provider is a for-profit entity that processes the information on our behalf.

We may use your personal information for our own business purposes, such as for undertaking internal research for technological development and demonstration. This is not considered to be “selling” your personal information.

The Semrad Law Firm has not disclosed or sold any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. The Semrad Law Firm will not sell personal information in the future belonging to website visitors, users, and other consumers.

Your rights with respect to your personal data

Right to request deletion of the data — request to delete via email

You can ask for the deletion of your personal information. If you ask us to delete your personal information, we will respect your request and delete your personal information, subject to certain exceptions provided by law, such as (but not limited to) the exercise by another consumer of his or her right to free speech, our compliance requirements resulting from a legal obligation, or any processing that may be required to protect against illegal activities.

Right to be informed — request to know

Depending on the circumstances, you have a right to know:

Whether we collect and use your personal information;
The categories of personal information that we collect;
The purposes for which the collected personal information is used;
Whether we sell your personal information to third parties;
The categories of personal information that we sold or disclosed for a business purpose;
The categories of third parties to whom the personal information was sold or disclosed for a business purpose; and
The business or commercial purpose for collecting or selling personal information.

In accordance with applicable law, we are not obligated to provide or delete consumer information that is de-identified in response to a consumer request or to re-identify individual data to verify a consumer request.

Right to non-discrimination for the exercise of a consumer’s privacy rights

We will not discriminate against you if you exercise your privacy rights.

Verification process

Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. These verification efforts require us to ask you to provide information so that we can match it with information you have previously provided us. For instance, depending on the type of request you submit, we may ask you to provide certain information so that we can match the information you provide with the information we already have on file, or we may contact you through a communication method (e.g., phone or email) that you have previously provided to us. We may also use other verification methods as the circumstances dictate.

We will only use personal information provided in your request to verify your identity or authority to make the request. To the extent possible, we will avoid requesting additional information from you for the purposes of verification. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes. We will delete such additionally provided information as soon as we finish verifying you.

Other privacy rights

You may object to the processing of your personal information.
You may request correction of your personal data if it is incorrect or no longer relevant, or ask to restrict the processing of the information.
You can designate an authorized agent to make a request under the CCPA on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with the CCPA.
You may request to opt out from future selling of your personal information to third parties. Upon receiving an opt-out request, we will act upon the request as soon as feasibly possible, but no later than fifteen (15) days from the date of the request submission.

To exercise these rights, you can contact us by email at office@semradlaw.com, by visiting https://www.debtstoppers.com/contact-us/ or by referring to the contact details at the bottom of this document. If you have a complaint about how we handle your data, we would like to hear from you.

12.Do we make updates to this notice?

In short: yes, we will update this notice as necessary to stay compliant with relevant laws.

We may update this privacy notice from time to time. The updated version will be indicated by an updated “revised” date and the updated version will be effective as soon as it is accessible. If we make material changes to this privacy notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.

13.How can you contact us about this notice?

If you have questions or comments about this notice, you may email us at office@semradlaw.com or by post to:

The Semrad Law Firm (DebtStoppers)

11101 S. Western Avenue

Chicago, IL 60643

United states

14.How can you review, update, or delete the data we collect from you?

Based on the applicable laws of your country, you may have the right to request access to the personal information we collect from you, change that information, or delete it in some circumstances. To request to review, update, or delete your personal information, please call us +1 844 546-7300 or contact us at this email office@semradlaw.com.

15.SMS Campaigns

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes.

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