Privacy Policy
Last updated: April 16, 2026
1. About This Policy
LowerMyCCPayments.com (“we,” “our,” or “us”) operates as a lead generation and consumer referral service. We connect individuals seeking debt relief with licensed debt relief service providers. This Privacy Policy explains how we collect, use, share, and protect your personal information when you visit our website or submit a form.
By using this website or submitting your information, you consent to the practices described in this policy.
2. Information We Collect
When you complete our assessment form, we collect:
- First and last name
- Email address
- Phone number
- State of residence
- Estimated total unsecured debt
- Account payment status
- Survey responses and answers
We also automatically collect:
- IP address and approximate geographic location
- Browser type and operating system
- Referring website or advertisement
- Pages viewed and time spent on site
- Cookies and tracking pixel data (see Section 6)
3. How We Use Your Information
We use your information to:
- Determine whether you may qualify for debt relief services
- Connect you with licensed debt relief providers who can assist you
- Contact you by phone, email, or text message regarding debt relief options
- Improve our website and assessment process
- Comply with legal and regulatory obligations
- Analyze and optimize our advertising campaigns
4. How We Share Your Information
Debt relief service providers: When you submit your information, it is shared with one or more licensed debt relief companies who may be able to help you. These providers will contact you directly to discuss your options.
Service providers: We use third-party vendors to operate our website, store data, send notifications, and analyze performance. These vendors are contractually prohibited from using your data for any purpose other than providing services to us.
Legal requirements: We may disclose your information if required by law, court order, or government authority.
We do not sell your personal information to data brokers or third parties for their own marketing purposes.
5. Telephone Consumer Protection Act (TCPA) Consent
By submitting your information, you expressly consent to be contacted by LowerMyCCPayments.com and its affiliated debt relief partners via phone calls (including calls using an automatic telephone dialing system or artificial/prerecorded voice), text messages (SMS/MMS), and email at the phone number and email address you provided. This consent is not a condition of purchase. Standard message and data rates may apply.
You may revoke this consent at any time by calling us at (855) 794-7613 or emailing us at privacy@lowermyccpayments.com.
6. Cookies and Tracking Technologies
We use cookies and similar tracking technologies, including the Meta (Facebook) Pixel, to analyze traffic, measure advertising effectiveness, and serve relevant ads to users who have visited our site. The Meta Pixel may track actions taken on our website including page views, form starts, and form completions to help optimize our advertising campaigns.
You can opt out of interest-based advertising at any time through your browser settings, the Network Advertising Initiative, or the Facebook Ad Preferences page.
7. Data Retention
We retain your personal information for as long as necessary to provide services, comply with legal obligations, resolve disputes, and enforce our agreements. You may request deletion of your data at any time by contacting us (see Section 9).
8. Security
We use industry-standard security measures including SSL/TLS encryption and secure cloud infrastructure to protect your personal information. No method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.
9. Your Rights and Choices
You have the right to:
- Request access to the personal information we hold about you
- Request correction of inaccurate data
- Request deletion of your personal information
- Opt out of marketing communications at any time
- Revoke consent to be contacted by phone or text
To exercise any of these rights, contact us at: privacy@lowermyccpayments.com or (855) 794-7613.
10. California Residents (CCPA)
California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information is collected, the right to delete personal information, and the right to opt out of the sale of personal information. We do not sell personal information. To submit a CCPA request, contact us at the information in Section 9.
11. Children's Privacy
Our services are not directed to individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe a child has provided us with personal information, please contact us immediately.
12. Changes to This Policy
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated effective date. Continued use of the site after changes constitutes acceptance of the revised policy.
13. Contact Us
LowerMyCCPayments.com
Email: privacy@lowermyccpayments.com
Phone: (855) 794-7613