Privacy Policy

DEBT DYNAMICS SOLUTIONS

Last Updated: 4/6/2026 | Effective Date: 4/6/2026

Company: Debt Dynamics Solutions, 435 Valley Brook Ave Suite 243, Lyndhurst, NJ 07071

Contact: info@debtdynamicssolutions.com

Website: https://debtdynamicssolutions.com

1. Introduction

Debt Dynamics Solutions (“DDS,” “we,” “us,” or “our”) is a third-party debt collection company operating under applicable federal and state laws, including the Fair Debt Collection Practices Act (FDCPA), the CFPB’s Regulation F, the Gramm-Leach-Bliley Act (GLBA), the Telephone Consumer Protection Act (TCPA), and the New Jersey Data Protection Act (NJDPA).

This Privacy Policy explains how we collect, use, store, protect, and disclose personal information in connection with our website (https://debtdynamicssolutions.com), our Account Placement Intake Form, and our debt collection services. This policy applies to all individuals who interact with our services, including:

Clients: Businesses and individuals who place accounts with DDS for collection.
Consumers (Debtors): Individuals whose account information is submitted to DDS by Clients for the purpose of debt collection.
Website Visitors: Individuals who browse our website.

By using our website, submitting information through our intake form, or engaging our services, you acknowledge that you have read and understood this Privacy Policy.

2. Information We Collect

2.1 Information from Clients (Account Placement Intake Form)

When a Client submits accounts for collection through our Account Placement Intake Form, we collect the following categories of information:

Client Business Information:

Business name, contact name, email address, phone number
Business address
Industry classification
Remittance and reporting preferences
Electronic signature (typed name, title, date, and IP address at time of submission)

Debtor/Consumer Account Information (provided by Client):

Debtor name (individual or business)
Debtor contact information: phone number, email address, mailing address
Amount owed and account balance details
Description of services or products underlying the debt
Last payment date and payment history
Additional notes regarding the account

Supporting Documents:

Invoices, contracts, charge-off statements, court documents
Screenshots of communications (text messages, emails)
Payment receipts and account spreadsheets (CSV, XLSX)
Other files uploaded by the Client (PDF, Word, images)

These documents may contain sensitive personal information including Social Security Numbers, financial account details, and other personally identifiable information (PII). Clients are responsible for ensuring they have the legal authority to share this information with DDS for debt collection purposes.

2.2 Information from Website Visitors

When you visit our website, we may automatically collect:

IP address, browser type, and device information
Pages visited, time spent, and referring URL
Cookies and similar tracking technologies (see Section 8)

2.3 Information from Consumers (Debtors)

In the course of collection activities, we may collect additional information directly from consumers, including:

Updated contact information
Employment and income information (voluntarily provided)
Payment information (credit/debit card, ACH details) processed through secure, PCI DSS-compliant payment systems
Dispute information and correspondence

3. How We Use Your Information

3.1 Client Information

We use Client information to:

Process and manage account placements for collection
Communicate regarding account status, reporting, and remittance
Administer the Third-Party Collections Services Agreement
Comply with legal and regulatory obligations
Improve our services and internal operations

3.2 Consumer (Debtor) Information

We use consumer information exclusively for:

Contacting consumers regarding their outstanding obligations in compliance with the FDCPA and Regulation F
Providing required validation notices and responding to disputes
Processing payments and negotiating settlements or payment plans within Client-authorized parameters
Maintaining records required by Regulation F (minimum 3 years from last collection activity)
Complying with legal obligations, court orders, and regulatory requirements

We do not use consumer debtor information for marketing, advertising, profiling, or any purpose unrelated to the collection of the specific debt placed with us.

3.3 Website Visitor Information

We use website visitor information to monitor and improve website performance, analyze traffic patterns, and ensure security. We do not sell website visitor data to third parties.

4. How We Share Information

We may share personal information only in the following limited circumstances:

With Service Providers: We engage trusted third-party service providers who assist with payment processing, skip tracing, mailing, secure data hosting, and technology services. These providers are contractually bound to use information only for the services they provide to us and to maintain appropriate security safeguards.
With Clients: We share collection activity reports, payment information, and account status updates with the Client who placed the account. We do not share one Client’s information with another Client.
As Required by Law: We may disclose information in response to lawful requests by public authorities, including court orders, subpoenas, regulatory examinations, or to comply with applicable law.
Business Transfers: In the event of a merger, acquisition, or sale of assets, personal information may be transferred to the successor entity. We will provide notice before any such transfer.
With Consumer Consent: We may share information with other parties when we have the consumer’s prior consent.

Important: We do not sell, rent, or trade personal information — including consumer debtor information — to third parties for marketing purposes. Text messaging originator opt-in data and consent will not be shared with any third parties.

5. Data Security

DDS takes the security of personal information seriously. We implement and maintain administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of personal information, consistent with our obligations under the GLBA Safeguards Rule. Our security measures include:

Encryption:

All data transmitted through our website and intake form is encrypted in transit using TLS 1.2 or higher (HTTPS).
Personal information and uploaded documents are encrypted at rest using AES-256 encryption.

Access Controls:

Access to consumer and client data is restricted to authorized personnel on a need-to-know basis.
We implement role-based access controls (RBAC) to limit data exposure.
Multi-factor authentication (MFA) is required for staff accessing sensitive systems.

Monitoring and Auditing:

We maintain audit logs of all access to and modifications of consumer data.
Systems are monitored for unauthorized access attempts.

Document Security:

Files uploaded through our intake form (invoices, contracts, debtor records) are stored in encrypted, access-controlled storage.
Documents are retained only as long as necessary and are securely deleted in accordance with our retention schedule.

While we employ commercially reasonable security measures, no method of electronic transmission or storage is completely secure. We cannot guarantee absolute security, but we are committed to promptly addressing any suspected security incidents.

6. Data Retention and Deletion

We retain personal information only as long as necessary to fulfill the purposes described in this policy, comply with legal obligations, and enforce our agreements. Our specific retention periods are as follows:

Data Category	Retention Period
Active collection account records	Duration of collection activity plus 3 years from last collection activity (per Regulation F record retention requirements)
Client business information	Duration of the service agreement plus 3 years following termination
Intake form submissions (non-converted prospects)	90 days from submission, then securely deleted unless the prospect becomes a Client
Supporting documents and uploaded files	Same as the associated account record; securely deleted upon account return or closure plus retention period
Payment and financial transaction records	7 years (per IRS and financial record-keeping requirements)
Website usage data and cookies	Session cookies deleted upon browser close; analytics data retained up to 26 months
Consumer dispute records	5 years from resolution of the dispute

Upon expiration of the applicable retention period, personal information is securely deleted or de-identified using industry-standard methods.

7. Your Rights

7.1 Consumer (Debtor) Rights

If you are a consumer whose account has been placed with DDS for collection, you have the following rights under applicable law:

Right to Validation: Under the FDCPA and Regulation F, you have the right to request verification of the debt within 30 days of receiving our initial communication.
Right to Dispute: You may dispute any debt, and we will cease collection activity on the disputed portion until we provide adequate verification.
Right to Cease Communication: You may request in writing that we stop contacting you. We will honor this request as required by law, though the debt may remain owed.
Right to Know: Under the NJDPA, you may request to know what personal information we hold about you.
Right to Delete: You may request deletion of your personal information, subject to legal retention requirements and our obligation to our Client.
Right to Correct: You may request correction of inaccurate personal information.
Right to Opt Out: You may opt out of the sale of personal data (note: DDS does not sell personal data).

7.2 Client Rights

Clients may request access to, correction of, or deletion of their business information by contacting us at info@debtdynamicssolutions.com. Account recall and data return procedures are governed by the Third-Party Collections Services Agreement.

7.3 Website Visitor Rights

Website visitors may request access to, correction of, or deletion of any personal data we have collected. You may also opt out of non-essential cookies through your browser settings. To exercise any of these rights, contact us at info@debtdynamicssolutions.com.

We will respond to all verifiable requests within 45 days, as required by the NJDPA.

8. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to enhance your experience. We use the following types of cookies:

Essential Cookies: Required for basic website functionality, user authentication, and security. These cannot be disabled.
Analytics Cookies: Help us understand how visitors use our website so we can improve performance and content.
Functionality Cookies: Remember your preferences (such as language or login details) for a more personalized experience.

We do not use advertising or behavioral tracking cookies. You can manage cookie preferences through your browser settings. Disabling certain cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites that are not operated by us. We are not responsible for the privacy practices of external sites. We encourage you to review the privacy policy of any third-party site you visit.

10. Children’s Privacy

Our services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If we become aware that we have inadvertently collected information from a minor, we will take steps to delete it promptly. If you believe a child has provided us with personal information, please contact us at info@debtdynamicssolutions.com.

11. Data Breach Notification

In the event of a data breach involving personal information, DDS will:

Promptly investigate and contain the breach
Notify affected individuals and Clients as required by New Jersey’s data breach notification law (N.J.S.A. 56:8-161 et seq.) and any other applicable state or federal requirements
Notify the New Jersey Division of State Police and, where applicable, the Attorney General’s office
Take corrective action to prevent future incidents

12. Regulatory Compliance

DDS conducts its business in compliance with the following laws and regulations, among others:

Fair Debt Collection Practices Act (FDCPA) and CFPB Regulation F: Governing all debt collection communications, disclosures, and consumer protections.
Gramm-Leach-Bliley Act (GLBA): Requiring privacy notices and safeguards for consumer financial information held by financial institutions, including debt collectors.
Telephone Consumer Protection Act (TCPA): Governing telephone and text message communications.
New Jersey Data Protection Act (NJDPA): Providing New Jersey residents with rights over their personal data and requiring businesses to implement reasonable security practices.
New Jersey Consumer Fraud Act: Prohibiting deceptive business practices.
Electronic Signatures in Global and National Commerce Act (ESIGN) and Uniform Electronic Transactions Act (UETA): Governing the validity of electronic signatures used in our intake form and service agreements.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or for other operational reasons. When we make material changes, we will:

Update the “Last Updated” date at the top of this page
Post the revised policy on our website
Notify affected Clients via email when changes materially affect how we handle account data

We encourage you to review this Privacy Policy periodically.

14. Contact Us

If you have questions about this Privacy Policy, wish to exercise your privacy rights, or need to report a data concern, please contact us:

Debt Dynamics Solutions

Attn: Privacy Inquiries

435 Valley Brook Ave, Suite 243

Lyndhurst, NJ 07071

Email: info@debtdynamicssolutions.com

We will acknowledge all privacy-related inquiries within 5 business days and respond substantively within 45 days.

Last updated: June 16, 2025

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Service and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Service or parts of our Service.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Debt Dynamics Solutions, 435 Valley Brook Ave Suite 243 Lyndhurst NJ, 07071.
Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
Country refers to: New Jersey, United States
Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Service refers to the Website.
Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Website refers to Debt Dynamics Solutions, accessible from https://debtdynamicssolutions.com/
You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Service, We may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Usage Data

Usage Data

Usage Data is collected automatically when using the Service.

Usage Data may include information such as Your Device’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Service by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Service or when You access the Service by or through a mobile device.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

Necessary / Essential Cookies Type: Session Cookies Administered by: Us Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
Cookies Policy / Notice Acceptance Cookies Type: Persistent Cookies Administered by: Us Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
Functionality Cookies Type: Persistent Cookies Administered by: Us Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

Use of Your Personal Data

The Company may use Personal Data for the following purposes:

To provide and maintain our Service, including to monitor the usage of our Service.
To manage Your Account: to manage Your registration as a user of the Service. The Personal Data You provide can give You access to different functionalities of the Service that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or services You have purchased or of any other contract with Us through the Service.
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application’s push notifications regarding updates or informative communications related to the functionalities, products or contracted services, including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, services and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Service users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Service, products, services, marketing and your experience.

We may share Your personal information in the following situations:

With Service Providers: We may share Your personal information with Service Providers to monitor and analyze the use of our Service, to contact You.
For business transfers: We may share or transfer Your personal 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.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent company and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, services or promotions.
With other users: when You share personal information or otherwise interact in the public areas with other users, such information may be viewed by all users and may be publicly distributed outside.
With Your consent: We may disclose Your personal information for any other purpose with Your consent.

Retention of Your Personal Data

The Company will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Company will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Service, or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Company’s operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Company will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Delete Your Personal Data

You have the right to delete or request that We assist in deleting the Personal Data that We have collected about You.

Our Service may give You the ability to delete certain information about You from within the Service.

You may update, amend, or delete Your information at any time by signing in to Your Account, if you have one, and visiting the account settings section that allows you to manage Your personal information. You may also contact Us to request access to, correct, or delete any personal information that You have provided to Us.

Please note, however, that We may need to retain certain information when we have a legal obligation or lawful basis to do so.

Disclosure of Your Personal Data

Business Transactions

If the Company is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Company may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Company
Prevent or investigate possible wrongdoing in connection with the Service
Protect the personal safety of Users of the Service or the public
Protect against legal liability

Security of Your Personal Data

The security of Your Personal Data is important to Us, but remember that no method of transmission over the Internet, or method of electronic storage is 100% secure. While We strive to use commercially acceptable means to protect Your Personal Data, We cannot guarantee its absolute security.

Children’s Privacy

Our Service does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent’s consent before We collect and use that information.

Links to Other Websites

Our Service may contain links to other websites that are not operated by Us. If You click on a third party link, You will be directed to that third party’s site. We strongly advise You to review the Privacy Policy of every site You visit.

We have no control over and assume no responsibility for the content, privacy policies or practices of any third party sites or services.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Service, prior to the change becoming effective and update the “Last updated” date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: info@debtdynamicssolutions.com

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