Privacy Policy

1. Overview & Commitment

American Profit Recovery, Inc. ("we," "us," "our," or "the Company") respects your privacy and is dedicated to safeguarding the personal and financial information entrusted to us. This Privacy Policy outlines how we collect, handle, store, and protect consumer information when you interact with our website (https://americanprofitinc.com), submit inquiries through our online forms, communicate with our representatives, or enroll in our account notification programs.

As a professional accounts receivable management and account resolution organization, we comply with applicable federal and state data privacy and consumer protection laws, including the Fair Debt Collection Practices Act (FDCPA), the Telephone Consumer Protection Act (TCPA), and state privacy statutes.

2. Information We Collect

In the course of providing account management and resolution services, we may collect the following categories of information:

• Contact Identifiers: Name, physical mailing address, billing address, email address, and mobile phone number.
• Account Information: Account or reference numbers, creditor information, balance details, payment history, and transactional status.
• Communication Records: Records of inquiries, messages submitted via web forms, customer service notes, and communication preferences.
• Technical & Website Usage Data: Internet Protocol (IP) address, browser type, operating system, and pages visited, collected solely for security, fraud prevention, and system administration purposes.

3. How We Use Information

Information gathered by American Profit Recovery, Inc. is utilized strictly for lawful business purposes related to account administration and consumer communication, including:

• Verifying consumer identity and validating account details;
• Responding to consumer inquiries, disputes, and requests for statement breakdowns;
• Processing payments, establishing structured repayment arrangements, and issuing confirmations;
• Sending transactional account notifications, payment reminders, and billing updates to consumers who have opted into communication;
• Maintaining compliance with regulatory mandates, audit requirements, and legal reporting obligations;
• Protecting against fraud, unauthorized transactions, or cyber threats.

4. Mobile Information & SMS Privacy

American Profit Recovery, Inc. maintains strict standards regarding mobile subscriber privacy. We do not sell, rent, lease, trade, or transfer mobile numbers or messaging consent to any outside party.

When you provide your mobile phone number and opt into receiving SMS account notifications via our contact form or customer service representatives, your opt-in data is used solely to deliver transactional alerts and account status updates regarding your specific account. You may opt out of SMS communications at any time by replying STOP to any text message received.

5. Information Sharing & Disclosure

We do not sell consumer personal information. We disclose personal information only in the limited circumstances described below:

• Original Creditors & Clients: We report account statuses and payment reconciliation records back to the original entity on whose behalf the account is serviced.
• Vetted Service Providers: We may share necessary information with contracted technology vendors (such as secure payment processors and cloud infrastructure providers) bound by strict confidentiality and data protection agreements. (As noted above, mobile originator opt-in data is never shared for marketing purposes).
• Legal & Regulatory Authorities: We may disclose information if required to do so by court order, subpoena, government inquiry, or to comply with applicable state and federal laws.

6. Data Security & Retention

We employ comprehensive physical, electronic, administrative, and procedural safeguards designed to protect personal and financial data against unauthorized access, loss, misuse, or alteration. Our security controls include SSL/TLS encryption for all data in transit, encrypted databases at rest, multi-factor authentication for authorized staff, and regular vulnerability audits.

Personal information is retained only as long as reasonably required to fulfill the legitimate business purposes outlined in this policy, service consumer accounts, and satisfy legal, accounting, and regulatory compliance record-keeping requirements.

7. Your Consumer Rights & Choices

Depending on your state of residence, you may possess specific rights regarding your personal information, including:

• Right to Know & Access: You may request details regarding the categories and specific pieces of personal information we have collected regarding your account.
• Right to Dispute & Rectify: You may dispute inaccurate balances or update outdated contact details.
• Right to Opt Out of Electronic Notifications: You may withdraw consent to receive transactional SMS messages by replying STOP to any message or emailing our privacy officer.
• Non-Discrimination: We do not discriminate against any consumer for exercising their statutory privacy rights.

8. Privacy Contact Information

If you have questions, comments, or requests regarding this Privacy Policy or our information security practices, please contact our Privacy Officer: