Privacy Policy

2.1 Information You Provide

• Contact information: name, email address, phone number, mailing address

• Financial information: estimated monthly debt payments, types of debt, income range

• Identity information: date of birth

• Communications: messages, inquiries, or feedback you send us

2.2 Credit Profile Information (With Your Explicit Consent Only)

With your explicit consent, we use Spinwheel's soft credit pull technology to obtain a summary of your credit profile. This is a SOFT INQUIRY and does NOT affect your credit score. Credit profile information may include: outstanding debt balances, account types, payment history summary, and credit utilization.

We only access this information when you provide explicit written consent during the form submission process.

2.3 Automatically Collected Information

• Device and browser information

• IP address and approximate location

• Pages visited and time spent

• Referring URLs

• Cookie and tracking data (see Section 6)

4.1 Financial Services Partners

We share your information with our network of licensed financial services partners, which currently includes: Beyond Finance, ClearOne Advantage, JG Wentworth, Consolidated Credit, Pacific Debt Inc., AMERICOR, Pacific Debt Relief, Steadywise, Century SS, Alleviate Financial Solutions, and Freedom Debt Relief.

These partners may contact you by phone, email, or text message regarding their services.

4.2 Service Providers

We use third-party vendors to help operate our website, process data, and deliver services. These vendors are contractually required to protect your information.

4.3 Legal Requirements

We may disclose information when required by law, court order, or government authority.

4.4 Business Transfers

In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity.

4.5 We Do Not Sell Personal Information

We do not sell your personal information to third parties for their own marketing purposes.

5.1 TCPA Consent

By submitting a form on our website, you expressly consent to receive calls, SMS/text messages, and emails from LowerPaymentPlans.com and our connected financial services partners, including via automatic telephone dialing systems (ATDS) or prerecorded messages. Consent is not required to purchase any goods or services.

We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with services in our Terms of Service and Conditions. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.

5.2 Opt-Out

You may opt out at any time by:

• Replying STOP to any text message

• Clicking "unsubscribe" in any email

• Contacting us at privacy@benchmarkmedia.io

California Residents (CCPA)

You have the right to:

• Know what personal information we collect and how it is used

• Request deletion of your personal information

• Opt out of the sale of personal information (we do not sell personal information)

• Non-discrimination for exercising your rights

To exercise these rights, contact us at privacy@benchmarkmedia.io.

Other U.S. State Residents

Residents of Virginia, Colorado, Connecticut, and other states with applicable privacy laws may have similar rights. Contact us to make a request.