Effective Date: October 13, 2025

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AMA Recovery Group, LLC ("we," "us," or "our") operates http://www. www.amarecovery.com.com (the "Website"). We are a third-party commercial debt collection agency that assists our clients in recovering outstanding commercial debts. This Privacy Policy describes how we collect, use, disclose, and protect personal information obtained through the Website. By using the Website, you consent to the practices described in this Privacy Policy.

 

We do not process personal data of individuals in the European Economic Area (EEA) or the United Kingdom (UK), as we do not offer services to or have customers in those regions. Therefore, we are not subject to the General Data Protection Regulation (GDPR). We comply with the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), for California residents. We do not sell, rent, or otherwise monetize your personal information in any way. Any personal information you provide or that we collect through the Website will be used solely for the purpose of collecting debts on behalf of our clients, including processing payments, verifying identities, communicating about debts, and complying with legal obligations related to debt collection.

 

This Privacy Policy does not apply to information collected offline or through other channels. If you have questions, contact us at info@amarecovery.com.

 

1.Information We Collect

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We collect information to facilitate debt collection activities. The types of information we collect include:

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Personal Information You Provide

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•Contact Details: Name, email address, phone number, mailing address.

•Debt-Related Information: Account numbers, outstanding balances, payment history, and other details necessary to identify and resolve debts.

•Payment Information: Billing details, bank account numbers, or credit card information (processed securely via third-party providers; we do not store full card details).

•Identification Information: Government-issued ID numbers (e.g., Social Security Number or driver's license) for verification purposes.

You provide this information when you submit forms on the Website (e.g., payment portals, dispute forms, or contact inquiries).

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Information Collected Automatically

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•Usage Data: IP address, browser type, device information, pages visited, time spent on pages, and referral sources.

•Cookies and Tracking Technologies: See Section 8 for details.

 

We do not collect sensitive personal information (e.g., health data, racial or ethnic origin) unless it is directly relevant to debt verification and only with your explicit consent where required.

 

Sources: Directly from you via Website forms; indirectly through cookies and analytics tools; from our clients (e.g., debt details provided to us for collection).

 

2.How We Use Your Information

 

We use personal information exclusively for debt collection purposes, including:

•Processing payments and managing debt accounts.

•Communicating with you about your debt (e.g., payment reminders, dispute resolution).

•Verifying your identity to prevent fraud.

•Complying with legal requirements (e.g., Debt Collection Regulations, record-keeping).

•Improving Website functionality (e.g., analytics for user experience).We do not use your information for marketing, profiling, or any non-debt-related purposes.

 

3.Sharing Your Information

 

We do not sell your personal information. SMS consent is not shared with third parties.

 

We share information only as necessary for debt collection and with appropriate safeguards:

•Service Providers: With payment processors (e.g., Stripe), analytics providers (e.g., Google Analytics), and hosting services, bound by data processing agreements.

•Clients: With the original creditor who engaged us, limited to debt status updates.

•Legal Authorities: If required by law (e.g., subpoenas, court orders) or to protect rights/safety.

•Business Transfers: In mergers, acquisitions, or asset sales, with notice to you.

•Affiliates: Only if they assist in debt collection services.

 

Under CCPA, in the past 12 months, we have disclosed categories A (identifiers), B (customer records), and D (commercial information) for business purposes to service providers and clients. No sales or sharing for cross-context behavioral advertising.

 

4.SMS Terms of Service

 

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from AMA Recovery Group. This includes SMS messages for conversations (external). Message frequency varies. Message and data rates may apply. See privacy policy at [Privacy Policy URL]. Message HELP for help. Reply STOP to any message to opt out.

 

5.Data Retention

 

We retain personal information only as long as necessary for debt collection:

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•Active debts: Until resolution plus 7 years for legal compliance.

•Resolved debts: 7 years from resolution.

•Usage data: 12 months.

 

After retention periods, we securely delete or anonymize data.

 

6.Your Rights

 

CCPA Rights (California Residents)

 

As a California resident, you have the right to:

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•Know: Request details on categories collected, sources, purposes, and disclosures (twice per 12 months).

•Delete: Request deletion, subject to exceptions (e.g., legal obligations for debt records).

•Opt-Out of Sale/Sharing: Not applicable, as we do not sell or share for advertising. (No "Do Not Sell or Share My Personal Information" link required.)

•Limit Sensitive Information Use: We limit use to debt collection necessities.

•Non-Discrimination: We do not discriminate for exercising rights.

 

Verification: Provide name, email, and last 4 digits of SSN or account number. Agents need written authorization. Respond within 45 days (extendable to 90).

 

In the past 12 months:

 

•Categories Collected: A, B, D (see Section 1).

•Sources: You, clients, automatic collection.

•Purposes: Debt collection.

•Third Parties: Service providers, clients.

 

Submit requests to info@amarecovery.com.

 

7.Children's Privacy

 

The Website is not directed to children under 16. We do not knowingly collect data from minors. If we learn of such collection, we delete it promptly. Parents/guardians: Contact us to review/delete child's data.

 

8.Security

 

We use reasonable administrative, technical, and physical safeguards (e.g., encryption, access controls, firewalls) to protect data. However, no system is 100% secure.

 

9.Cookies and Tracking

 

We use cookies for essential functions (e.g., session management) and analytics. No advertising cookies.

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Cookie Type  Purpose                            Duration

Essential        Website functionality     Session

Analytics        Usage trends                   12 months

 

Manage via browser settings. For details, see our Cookie Policy above. We honor Do Not Track signals but do not alter practices based on them.

 

10.Changes to This Policy

 

We may update this Policy. Changes are posted here with the effective date. Continued use constitutes acceptance.

 

11.Contact Us

 

For questions, rights requests, or complaints:

•Email: info@amarecovery.com

•Mail: AMA Recovery Group, LLC 3131 Eastside St., Suite 350, Houston, Texas 7709812.

 

CCPA AuthorityCalifornia residents: Submit complaints to the California Attorney General at oag.ca.gov/privacy/ccpa.This Policy complies with applicable laws as of the effective date. Consult legal counsel for specific advice.