01. Information We Collect
What we collect depends on how you interact with us. It may include the following categories.
Personal and Contact Information. Your name, phone number, email address, state, mailing address, and other contact details you give us.
Information About Your Debt Situation. General details you share so we can understand your situation, such as who is contacting you, the names of your creditors or collectors, approximate balances, and whether you have been sued or served.
Calls and Communications. Recordings of phone calls, voicemails, text messages, emails, and other messages between you and FAFO Global, as permitted by law.
Website and Technical Information. Information collected automatically when you visit our website, such as IP address, browser type, device information, pages visited, and timestamps.
Information We Do Not Ask For. FAFO Global does not ask for your Social Security number, bank account or payment card numbers, or online banking login details. Please do not give them to us.
02. How We Use Information
We may use personal information to:
- Answer your call and understand your situation;
- Explain your options for getting legal help;
- Connect you with our partner law firm, by live transfer or a scheduled appointment, when you ask us to;
- Call you back and send appointment reminders and follow-ups (texts only with your consent);
- Respond to questions and support requests;
- Train our agents and review call quality;
- Keep business records;
- Prevent and investigate fraud, misuse, and security incidents;
- Comply with legal obligations, including telemarketing, Do Not Call, and text messaging laws; and
- Improve our services and website.
03. Call Recording and Monitoring
Calls to and from FAFO Global may be recorded and monitored for quality assurance, training, compliance, and dispute resolution. We tell you at the start of every call that it may be recorded, and by staying on the line you consent to the recording.
If you do not want to be recorded, tell your agent and we will offer you another way to continue where possible, such as a callback request through our website.
04. How We Share Information
We may share personal information where reasonably necessary to run our business and provide our services, including with:
- Our independent partner law firm, when you ask us to connect you, so it can review your case;
- Service providers that support our phone, call recording, text messaging, CRM, hosting, and IT systems, such as RingCentral;
- Government agencies, courts, or other parties when disclosure is required or permitted by law; and
- Parties involved in a business transaction such as a merger, acquisition, or sale of assets, subject to applicable law.
The categories of sharing above exclude text messaging originator opt-in data and consent, which is never shared with any third party, including our partner law firm.
Service providers receive only the information reasonably needed for the work they do for us and are expected to protect it.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising. We do not share your information with any other law firm, debt settlement company, or lender.
05. SMS / Text Messaging
If you opt in to receive text messages from FAFO Global, we will use your phone number only to send you messages related to our services. Message frequency varies. Message and data rates may apply. Reply HELP for help or STOP to unsubscribe at any time.
No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information described above exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
06. Data Security
We use administrative, technical, and organizational safeguards designed to protect personal information from unauthorized access, loss, misuse, and disclosure. These include access restrictions, authentication controls, restricted access to call recordings, and encryption of information in transit where applicable.
No system for transmitting or storing information is completely secure. We take reasonable measures to protect your information but cannot guarantee absolute security.
07. Data Retention and Deletion
We keep personal information only as long as reasonably necessary to provide our services, keep required business records, resolve disputes, and meet our legal obligations. Different categories have different retention periods. Generally, we keep call recordings for 2 years, callback and caller records for 3 years after your last contact, SMS consent and opt-out records for 5 years, and Do Not Call requests for as long as the law requires.
When information is no longer needed and we are not required to keep it, we take reasonable steps to delete, destroy, or de-identify it. You may request deletion as described in Section 08.
08. Your Privacy Rights
Depending on where you live and the law that applies to you, you may have the right to:
- Request access to the personal information we keep about you;
- Request correction of inaccurate information;
- Request deletion of certain information;
- Learn how your information is collected, used, and shared;
- Withdraw consent, including consent to text messages; and
- Exercise other rights provided by applicable law.
Some requests are subject to exceptions. For example, we may need to keep information to comply with the law, defend legal claims, or prevent fraud. We will verify your identity before processing a request by matching details you give us, such as your name, phone number, and the date of a recent call, to our records.
California residents. Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act, you have the right to know, delete, and correct your personal information, to opt out of its sale or sharing, and to limit the use of sensitive personal information. We do not sell or share personal information, and we do not collect sensitive personal information. We will not treat you differently for exercising your rights. We confirm requests within 10 business days and respond within 45 calendar days, which we may extend once by another 45 days with notice. You may use an authorized agent with your signed written permission. Our website honors Global Privacy Control signals as an opt-out of sale and sharing. Under California's "Shine the Light" law, you may ask whether we disclose personal information to third parties for their direct marketing; we do not.
To submit a request, contact us using the details in Section 14.
09. Do Not Call and Opting Out
We keep an internal Do Not Call list and honor the National Do Not Call Registry. To stop calls from us, tell any agent or contact us using the details in Section 14. To stop text messages, reply STOP to any message.
Opting out does not require us to delete information we are legally required or otherwise permitted to keep.
10. Cookies and Similar Technologies
Our website may use cookies and similar technologies to make the site work, keep it secure, and understand how it is used. We do not use third-party advertising cookies.
Your browser settings may let you restrict cookies; disabling them may affect some features. Because there is no common standard for "Do Not Track" browser signals, we do not currently respond to them, but we do honor Global Privacy Control as described in Section 08.
11. Children's Privacy
Our services are intended for adults. We do not knowingly collect personal information from anyone under 18. If we learn that we have, we will take appropriate steps to delete it.
12. Third-Party Services and Websites
Our website and services may link to or work with third-party websites and services, including our partner law firm. Once you are connected with the law firm, its own privacy policy governs the information it collects from you. We encourage you to review those policies before sharing personal information.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes to our services, legal requirements, or privacy practices. When we do, we will update the "Last Updated" date at the top of this page. Where required by law, we will also give notice of material changes in other appropriate ways.
14. Contact Us
If you have questions about this Privacy Policy or our privacy practices, or want to submit a privacy request, contact:
FAFO Global LLC
30 N Gould St, Ste R
Sheridan, WY 82801
Phone: (949) 381-8188
Email: hayden@fafoglobal.org