Privacy Policy

1. Scope of This Policy

This Privacy Policy explains how Brillman, Schultz & Associates, LLC ("BSA," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit brillmanschultz.com, contact us, submit a commercial claim for review, communicate with us, make or arrange a payment, or otherwise use our commercial collection and related services (collectively, the "Services").

This Policy may apply to website visitors, prospective and current clients, client representatives, vendors, business contacts, debtors, guarantors, and other individuals whose information we process in connection with the Services. It does not replace any separate notice, agreement, authorization, or disclosure that applies to a particular service or communication.

2. Information We Collect

Information You Provide

• Contact and identity information, such as name, company, job title, mailing address, email address, and telephone number.
• Commercial claim and account information, such as the debtor company, amount owed, age of the debt, invoices, contracts, account history, correspondence, dispute information, documentation availability, and prior collection efforts.
• Supporting documents uploaded through our Submit a Claim form or otherwise provided to us.
• Communications, including information contained in forms, emails, letters, telephone calls, voicemails, text messages, and other communications.
• Payment and transaction information necessary to process, document, reconcile, or remit payments.
• Professional and business information, including company affiliation, position, ownership, employment-related details, and commercial relationships.
• Other information you voluntarily provide or authorize another person or business to provide.

Information Collected Automatically

When you use our website, we or our service providers may collect technical and usage information, including:

• Internet Protocol address and approximate location derived from it;
• browser type, device type, operating system, and device identifiers;
• pages viewed, links selected, referring website, and access dates and times; and
• cookie identifiers, website logs, advertising interactions, and similar usage information.

Information From Other Sources

We may receive information from clients, creditors, debtors, guarantors, service providers, public records, courts, government agencies, commercial databases, business-information services, skip-tracing providers, asset-research providers, attorneys, and other lawful sources. This information may include contact details, account and transaction records, business records, public-record information, and information used to locate a business or individual or evaluate a commercial claim.

3. How We Use Information

We may use personal information to:

• review, investigate, administer, and collect commercial claims;
• verify account, identity, contact, ownership, asset, and payment information;
• communicate with clients, prospective clients, debtors, guarantors, business contacts, and service providers;
• provide consultations, claim reviews, proposals, status updates, and requested Services;
• process, document, reconcile, and remit payments;
• conduct lawful skip tracing, asset research, claim analysis, negotiation, dispute resolution, and recovery activities;
• evaluate whether a matter may be appropriate for referral to independent legal counsel;
• operate, secure, maintain, analyze, troubleshoot, and improve our website and Services;
• measure marketing performance and improve the relevance of our business advertising;
• prevent fraud, misuse, security incidents, and unlawful activity;
• comply with contracts, licensing requirements, legal obligations, audits, court orders, and regulatory requests;
• establish, exercise, or defend legal claims; and
• protect the rights, property, safety, and integrity of BSA, our clients, service providers, and others.

We may also use aggregated or deidentified information that cannot reasonably be linked to an identified individual for lawful business purposes.

4. Cookies, Analytics, and Advertising Tools

We and our service providers may use cookies, pixels, tags, and similar technologies for website operation, security, fraud prevention, preferences, analytics, conversion measurement, and advertising. These tools may include Google Analytics, Google Tag Manager, Google Ads, HubSpot, Meta Pixel, LinkedIn Insight Tag, reCAPTCHA, and related services.

These providers may receive identifiers, device and browser information, IP address, website activity, referral information, and advertising interactions according to their own privacy practices. Some technologies may support targeted or interest-based advertising as defined by applicable law.

You can control cookies through your browser settings and, where available, our cookie-management tool. You may also use the privacy and advertising controls offered by the applicable provider. Where required by law, we will recognize applicable browser-based opt-out preference signals. Disabling cookies may affect certain website functions.

5. How We Disclose Information

We may disclose information as reasonably necessary for the purposes described in this Policy to:

• Clients and authorized representatives, including the creditor that placed an account with us;
• Service providers, including website hosting, secure storage, customer relationship management, communications, mailing, payment processing, accounting, analytics, advertising, cybersecurity, data verification, skip-tracing, and investigation providers;
• Independent attorneys and legal-service providers when a matter is evaluated for or referred to legal action;
• Government, regulatory, judicial, and law-enforcement authorities when required or permitted by law;
• Parties to a business transaction, such as a merger, acquisition, financing, reorganization, or sale of assets, subject to appropriate protections; and
• Other parties at your direction or with your consent.

BSA does not sell personal information for monetary consideration. We do not share mobile telephone numbers, text-message opt-in information, or SMS consent with third parties or affiliates for their own marketing or promotional purposes. We may provide such information to vendors only as necessary to deliver communications or support our Services.

6. Telephone Calls, Text Messages, and Email

If you provide a telephone number or email address, BSA may contact you regarding inquiries, consultations, client services, commercial claims, accounts, payments, and other business matters as permitted by law. BSA may also send sales or marketing communications where permitted. Message frequency varies, and message and data rates may apply.

BSA records incoming and outgoing telephone calls for quality assurance, training, documentation, security, compliance, and account-servicing purposes, subject to applicable law. Call recordings are ordinarily retained for approximately 90 days, unless a longer period is reasonably necessary for a dispute, investigation, legal obligation, or legal claim.

Where consent is required, consent to receive automated or marketing text messages is not a condition of purchasing Services. You may opt out of text messages by replying STOP. For assistance, reply HELP or contact us using the information below. Marketing emails may include an unsubscribe link. Transactional, account-servicing, legally required, or otherwise permitted communications may continue.

7. Payments and Third-Party Portals

BSA may provide a link to a third-party payment portal. Payment information submitted through that portal is processed by the portal provider, bank, or payment processor under its own terms and privacy practices. BSA may receive transaction details necessary to identify, document, reconcile, and remit a payment, but does not control the provider's independent privacy and security practices.

8. Data Security and Document Submissions

We use reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, acquisition, loss, misuse, alteration, or disclosure. Information may be accessible to BSA personnel and authorized service providers as reasonably necessary to operate the business, evaluate and service claims, provide support, meet legal obligations, and protect the Services.

No website, transmission method, or storage system can be guaranteed to be completely secure. Do not upload Social Security numbers, complete bank-account or payment-card numbers, medical records, patient information, consumer-account information, or other sensitive information unless BSA specifically requests it through an approved secure method.

9. Data Retention

Claim submissions that are not accepted are ordinarily retained for up to 180 days and then deleted or deidentified, unless continued retention is reasonably necessary for security, compliance, dispute resolution, legal obligations, or legal claims.

Accepted claim records and other personal information are retained no longer than reasonably necessary to provide the Services, fulfill the purposes described in this Policy, comply with contractual, licensing, accounting, tax, and recordkeeping obligations, resolve disputes, enforce agreements, and establish or defend legal claims. Retention periods vary by record type and applicable requirements.

10. Privacy Rights and Choices

Depending on your state of residence, the nature of the information, and applicable exceptions, you may have the right to:

• confirm whether we process your personal information and access that information;
• correct inaccuracies in your personal information;
• request deletion of personal information provided by or obtained about you;
• obtain a portable copy of certain personal information;
• opt out of the sale of personal information, targeted advertising, or certain profiling; and
• appeal our decision concerning a privacy request.

These rights are subject to applicable law and exceptions. Certain information may be exempt, including publicly available information, business-to-business or employment information where an exemption applies, information governed by another law, and information maintained for compliance or legal claims.

To submit a request, email compliance@brillmanschultz.com, call 972-477-8426, or contact us by mail at the address below. Please identify the request as a Privacy Request and provide enough information for us to locate the relevant records. We may take reasonable steps to verify your identity and authority before acting.

If we deny a request, you may appeal by contacting us through the same methods and identifying the communication as a Privacy Appeal. We will review and respond as required by applicable law. Texas residents whose appeal is denied may submit a complaint to the Texas Attorney General.

We will not discriminate against you for exercising an applicable privacy right.

11. Texas Privacy Notice

To the extent the Texas Data Privacy and Security Act applies, Sections 2 through 5 describe the categories of personal data BSA processes, the purposes of processing, the categories of personal data shared, and the categories of third parties with whom information is shared. Section 10 explains how Texas consumers may exercise applicable rights and appeal a decision.

BSA does not sell sensitive personal data or biometric data. BSA does not knowingly process personal data of a child under 13 through this website. Our website and Services are intended for businesses and adults and are not directed to children.

12. Third-Party Websites and Services

Our website may link to payment portals, client portals, social platforms, or other services operated by third parties. Their privacy and security practices are governed by their own policies, not this Policy. We encourage you to review those policies before providing information.

13. Changes to This Policy

We may update this Privacy Policy to reflect changes in our practices, Services, technology, or legal obligations. We will post the revised Policy on this page and update the effective or last-updated date. Material changes will be communicated as required by law.

14. Contact BSA

For questions about this Policy or BSA's privacy practices, or to submit a privacy request or appeal, contact:

Brillman, Schultz & Associates, LLC
5250 Hwy 78, Suite 750-158
Sachse, TX 75048
Phone: 972-477-8426
Email: compliance@brillmanschultz.com