This Privacy Policy describes how Settle Group (“Settle Group,” “we,” “us,” or “our”) collects, uses, shares, and protects information when you visit settlegroup.pro, submit a request through our website, speak with us by phone, opt in to receive text messages from us, or otherwise interact with our services (collectively, the “Service”). Please read this policy carefully. By using the Service, you agree to the practices described here and to our Terms of Service.
1. Scope
This policy covers two different groups of people.
- Website visitors — people who visit settlegroup.pro, submit our request form, opt in to our text messages, or contact us by email.
- Consumers and businesses seeking debt resolution — individuals and business owners whose information reaches us either through our own form or from a lead provider or partner, and whom we may contact and match with a debt settlement partner firm.
Sections that apply to only one group say so. This policy does not apply to information collected by third parties whose websites or services are linked from ours, including any lead provider that originally collected your information and any partner firm you are matched with. Please review their privacy policies separately.
2. Information We Collect
Information you provide
- Identifiers — your name, email address, and phone number, submitted through our request form or other forms.
- Your debt situation — the free-text description you provide about your circumstances, including the approximate amount and type of debt you tell us about, and any other details you choose to share so we can match you appropriately.
- Communications — the contents of emails, text messages, and other communications you send to us.
- SMS opt-in records — your phone number, the consent language shown to you, the timestamp of your consent, the channel through which you opted in, and the messages we send you.
Information collected automatically
- Device and usage data — IP address, browser type, operating system, device type, referring URL, pages viewed, links clicked, and approximate location derived from IP.
- Log data — server logs that record access times, errors, and similar diagnostic information.
- Cookies, local storage, and similar technologies — including advertising and conversion-tracking pixels. See Cookies & Tracking below for the specific technologies we use.
Information from third parties
We may receive information about you from our service providers — for example our hosting provider, our email or CRM provider, our SMS aggregator, or our analytics and advertising providers — when they perform services on our behalf.
Information we receive from lead providers Consumers
If you submitted a form elsewhere asking for help with debt, the publisher or lead provider that operated that form may transfer your information to us. What we receive typically includes:
- Identifiers — your name, postal address, email address, and phone number.
- Debt information — the approximate amount and type of debt you reported, and other details you entered on that form.
- Consent records — a consent certificate evidencing the consent you gave on the original form, along with the page you saw, the timestamp, and the IP address recorded at submission.
We verify that consent record when the information arrives. If a lead reaches us without a valid certificate, or matches a federal or state Do Not Call registry, a litigator suppression list, or an existing opt-out, we reject it.
Call recordings Consumers
When we speak with you by phone, we may record and transcribe the call for quality, training, verification, and compliance purposes, and we may generate an automated summary or score from it. Where the law of your state requires the consent of all parties to record a call, we will tell you at the start of the call and you may decline. Some of our calls are placed and handled by an automated voice agent; we identify it as such.
3. How We Use Your Information
We use the information we collect to:
- Provide and operate the Service, including reviewing your request and identifying the partner firms in our network best suited to your situation.
- Communicate with you — by email, phone, or text message you have opted in to — to respond to inquiries, ask follow-up questions about your situation, and send transactional or administrative messages.
- Improve and develop the Service, including understanding how visitors use the website, diagnosing problems, and developing new features.
- Measure and improve our advertising, including understanding which campaigns lead people to submit a request. See Cookies & Tracking.
- Send marketing communications within the scope of your consent, where permitted by law. You can opt out at any time (see Your Rights).
- Comply with legal obligations, enforce our Terms of Service, and protect the rights, safety, and property of Settle Group, our users, and the public.
- Contact you about the request you submitted Consumers — by phone, text message, or email, within the scope of the consent you gave, to understand your situation and confirm the debt you reported.
- Match you with a partner settlement firm Consumers — including introducing you to that firm and passing along the information you gave us, so you do not have to provide it again.
- Verify consent and maintain compliance records Consumers — including consent certificates, suppression and Do Not Call checks, call recordings, and opt-out records.
4. SMS Opt-In Details
When you submit your phone number through our request form (or any other channel where we capture consent) and affirmatively opt in to receive text messages, we record your express written consent, including the phone number, the consent language presented, and the timestamp.
Types of SMS messages you may receive:
- Request and matching updates — the status of the request you submitted, follow-up questions about your situation, and notifications when we have a partner match for you.
- Account & service alerts — operational notifications related to your request (for example, appointment reminders and confirmations).
- Product & marketing — announcements, updates, and other Settle Group news.
Message frequency varies. Message and data rates may apply. Consent to receive marketing SMS messages is not a condition of using the Service or of being matched with a partner firm.
How to opt out: Reply STOP to any message at any time to unsubscribe. Reply HELP for assistance, or contact us at contact@settlegroup.pro.
5. Mobile Information Sharing
Mobile information will not be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We do not sell, rent, lease, or otherwise transfer your phone number, SMS opt-in data, or SMS consent records to third parties for their independent marketing or promotional purposes. The only sharing of mobile data that occurs is with our subprocessors who deliver the messages on our behalf (for example, our SMS aggregator and the underlying carriers), strictly to enable message delivery.
7. Cookies & Tracking
Our website uses cookies, browser storage, and similar technologies to operate the site, understand how it is used, and measure our advertising.
Meta Pixel (Facebook and Instagram advertising)
We use the Meta Pixel, a conversion-tracking and analytics tool provided by Meta Platforms,
Inc. The pixel loads a script from connect.facebook.net and sends events to Meta
from your browser:
- PageView — when you load a page on which the pixel is installed.
- Lead — when you successfully submit the request form on our website.
With those events, Meta receives your IP address, your browser user agent, the URL of the page you are on, and the name of the event. Meta may match that information to a Facebook or Instagram account and to identifiers it already holds, in order to measure the performance of our advertising, report on conversions, and build audiences for future campaigns. Meta acts as an independent controller of the data it receives through the pixel and processes it under its own policies. We do not send the contents of your request — your name, email address, phone number, or the description of your debt situation — to Meta through the pixel.
You can review Meta’s practices in the Meta Privacy Policy, and you can control how your activity is used for advertising through Meta Ad Preferences and Off-Facebook Activity.
Other technologies
- Strictly necessary — cookies and browser storage required to serve and secure the website.
- Functional — any embedded form or scheduling tool we use may set its own cookies in order to operate.
- Analytics — if and when enabled, we may use an analytics provider to count visits and understand site usage in aggregate.
Your controls
You can block or delete cookies through your browser settings, and most browsers and mobile operating systems offer controls that limit cross-site tracking. Browser extensions that block trackers will also prevent the Meta Pixel from loading. Our request form works whether or not the pixel is blocked. Disabling cookies may affect other functionality.
Our Privacy Policy and Terms of Service pages do not carry advertising or conversion-tracking pixels.
8. Data Security & Handling
We use industry-standard administrative, technical, and physical safeguards designed to protect your information, including:
- Encryption in transit using TLS for all traffic to our website.
- Encryption at rest for stored data, where supported by our service providers.
- Access controls that limit access to personal information to authorized personnel who need it to perform their duties.
- Vendor due diligence on the service providers and subprocessors we use.
No method of transmission or storage is 100% secure. While we work hard to protect your information, we cannot guarantee absolute security.
9. Data Retention
We retain personal information for as long as needed to provide the Service, comply with our legal obligations (including SMS consent record-keeping requirements), resolve disputes, and enforce our agreements. When we no longer need your information, we will delete or anonymize it. SMS opt-in and opt-out records, consent certificates, and Do Not Call and suppression records may be retained as long as required to demonstrate compliance with applicable telecommunications and consumer-protection laws.
10. Your Rights
Depending on where you live, you may have the following rights regarding your personal information:
- Access — request a copy of the personal information we hold about you.
- Correction — ask us to correct inaccurate or incomplete information.
- Deletion — ask us to delete your personal information, subject to certain legal exceptions.
- Portability — request a copy of your information in a portable, machine-readable format.
- Opt out of marketing — unsubscribe from marketing emails using the link in the message, or reply STOP to any text message to opt out of SMS.
- Opt out of “sale” or “sharing” — California residents (under the CCPA / CPRA) and residents of other states with similar laws may direct us not to sell or share their personal information. Because partner settlement firms pay us when we match a consumer with them, that activity may be a “sale” or “sharing” under those laws, and this right applies to it. Email us at contact@settlegroup.pro with the subject line “Do Not Sell or Share My Personal Information.” We never sell or share mobile information for third-party marketing, whether or not you opt out.
- Stop contact entirely Consumers — ask us to place you on our internal Do Not Call and suppression lists, and we will stop contacting you and will not pass your information to any partner firm. Reply STOP to any text, tell the agent on a call, or email us.
- Non-discrimination — we will not discriminate against you for exercising any of these rights.
To exercise any of these rights, contact us at contact@settlegroup.pro. We may need to verify your identity before fulfilling your request.
11. Children’s Privacy
The Service is intended for adults who are at least 18 years old. We do not knowingly collect personal information from children under 13, and the Service is not directed to children under 13. If you believe a child under 13 has provided us with personal information, please contact us at contact@settlegroup.pro and we will delete the information.
12. International Users
The Service is operated from and intended for users in the United States. We work with U.S. debt settlement and consumer debt relief firms, and with U.S. consumers and businesses. If you access the Service from outside the United States, you understand that your information will be transferred to and processed in the United States, where data-protection laws may differ from those of your jurisdiction.
13. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the “Last updated” date above and, if the changes are material, we will provide additional notice (for example, by email or by posting a notice on the website). Your continued use of the Service after the effective date of the updated policy constitutes your acceptance of those changes.
14. Contact
If you have any questions, requests, or concerns about this Privacy Policy or our privacy practices, please reach out:
By using Settle Group, you also agree to our Terms of Service, which govern your access to and use of the Service.