Privacy Policy

1. Introduction

Atlantic Settlement Funding, LLC ("Atlantic," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit our websites, including fundyourcase.ai, accidentcash.ai, injurycash.ai, and malpracticecash.com (collectively, the "Sites"), interact with our representatives by phone, text, or email, or use any of our services, including:

• Pre-settlement funding (cash advances against pending personal-injury or other tort claims);
• Structured settlement purchases (lump-sum buyouts of future settlement payment streams); and
• Personal injury legal lead generation and retainer facilitation (connecting prospective clients with independent law firms).

This Privacy Policy applies to all visitors and users of the Sites and to all individuals from whom we collect personal information in the United States. Our services are intended only for U.S. residents age 18 or older. We do not knowingly target or solicit individuals located in the European Union, the United Kingdom, or other jurisdictions outside the United States.

If you do not agree with this Privacy Policy, please do not use the Sites or our services.

2. Information We Collect

2.1 Information You Provide Directly

When you contact us, request funding, request a structured-settlement quote, sign a retainer, or otherwise interact with us, we may collect:

• Identifiers: full name, postal address, email address, telephone number, date of birth, last four digits of your Social Security Number, and government-issued identification numbers.
• Financial information: bank account information (only when needed for funding disbursement), prior funding history, requested funding amount, and previously received advances or buyouts.
• Case and legal information: type of legal claim (e.g., motor vehicle accident, medical malpractice, slip-and-fall, mass tort), state where the incident occurred, date of incident, current case status, attorney name and law firm, attorney contact information, expected or quoted settlement amount, and case-related documents (police reports, medical records, demand letters, claim forms, retainer agreements).
• Health and injury information: description of your injuries, treating providers, surgical history, current treatment status, prescribed medications, and other information relating to your physical or mental condition that you choose to provide.
• Demographic information: state of residence and preferred language (English, Spanish, or Russian).
• Communications content: the contents of phone calls, text messages, emails, voicemails, and chat messages you exchange with our representatives or our automated AI voice assistant.

2.2 Information Collected Automatically

When you visit the Sites, we and our service providers automatically collect:

• Device and connection information: IP address, browser type, operating system, device identifiers, language settings, and approximate location derived from IP address.
• Usage information: pages viewed, links clicked, referring URL, time and date of visit, time spent on pages, and form fields you begin filling out.
• Cookies, pixels, and tracking technologies: described in detail in our Cookie Policy.

2.3 Information from Third Parties

We may receive information about you from:

• Your attorney or law firm, including case status, settlement amounts, and supporting documents.
• Insurance companies, where authorized.
• Healthcare providers, where authorized by your written authorization.
• Public records, including court filings.
• Marketing partners and lead-generation networks, where you have provided consent to share your information with us.
• Identity verification and fraud-prevention services.

3. Sensitive Personal Information

Some of the information described above is treated as "sensitive personal information," "sensitive data," or "consumer health data" under various state laws. This includes:

• Social Security Numbers (including last-four digits);
• Precise geolocation data;
• Information about your physical or mental health, injuries, treatments, and treating providers;
• Account credentials and financial-account information; and
• The content of your written, oral, or electronic communications with us.

We collect this information only as necessary to evaluate funding eligibility, process structured-settlement transfers, facilitate retainer signing, and provide the services you have requested. You have the right to limit the use and disclosure of your sensitive personal information; see Section 8.

4. How We Use Your Information

We use personal information to:

• Evaluate your eligibility for, and process applications relating to, our funding and structured-settlement products;
• Connect you, at your request, with independent law firms for personal-injury representation;
• Communicate with you by phone, text, email, mail, and through our automated AI voice assistant about your inquiry, application, account, and our services;
• Verify your identity and prevent fraud;
• Comply with legal obligations, including state consumer-legal-funding statutes, structured settlement protection acts, IRC § 5891, anti-money-laundering rules, and tax reporting;
• Operate, maintain, secure, and improve the Sites and our services;
• Conduct analytics, research, and product development;
• Market and advertise our services, including through targeted advertising on third-party platforms (subject to your opt-out rights);
• Defend, establish, or exercise legal claims; and
• For any other purpose disclosed to you at the time of collection or with your consent.

5. Automated Decision-Making and AI Voice Technology

We use automated technology, including artificial-intelligence voice agents (provided by Vapi), to handle inbound and outbound calls in English, Spanish, and Russian. Every AI-assisted call is identified as such at the start of the call. You may opt out of speaking to the AI agent at any time by saying "human" or pressing 0; you may end automated calls at any time by saying "stop" or pressing 9.

We also use automated technology to support, but not solely to make, eligibility decisions for our funding products. A human underwriter reviews each application before any final funding decision is made.

If you are a California resident, you have specific rights regarding automated decision-making technology ("ADMT") that produces legal or similarly significant effects. See Section 8.

6. How We Share Your Information

We share personal information with:

• Independent law firms, when you request that we connect you with counsel or when we coordinate with your existing attorney to obtain documents needed to process your application.
• Service providers that support our operations, including:
  • Vapi (AI voice technology)
  • Twilio and Dialpad (telephony and SMS)
  • SendGrid (email)
  • DocuSign (electronic signatures)
  • Salesforce and Airtable (customer relationship management and data storage)
  • Cloud hosting and cybersecurity providers
  • Identity verification, fraud prevention, and analytics vendors
• Underwriting and funding partners, where applicable.
• Advertising and analytics partners, including Google and Meta, for measurement and targeted advertising (subject to your opt-out rights).
• Affiliates and corporate successors in connection with corporate transactions.
• Government and law enforcement, where required by law, court order, subpoena, or to protect our rights or the safety of others.
• Professional advisors (lawyers, accountants, auditors).

We do not sell personal information for monetary consideration in the traditional sense. However, our use of certain advertising and analytics cookies, pixels, and similar technologies may constitute a "sale" or "sharing" of personal information under California, Colorado, Connecticut, and other state laws. You can opt out of this through the "Do Not Sell or Share My Personal Information" link in our Site footer or by enabling the Global Privacy Control signal in your browser.

7. GLBA Privacy Notice (Financial Information)

Some of our products are financial products, and certain information you provide is governed by the federal Gramm-Leach-Bliley Act ("GLBA"). For purposes of GLBA:

• Information we collect: information from your applications and forms (such as name, address, SSN, income, and assets); information about your transactions with us; and information from consumer reporting agencies.
• Information we share: as described in Section 6 above, we share GLBA-covered information with service providers and partners that perform services for us, with your attorney with your authorization, and as permitted or required by law.
• Your right to limit sharing: federal law gives you the right to limit certain types of information sharing. We do not share your GLBA-covered nonpublic personal information with non-affiliated third parties for their own marketing purposes.
• How we protect your information: we maintain physical, electronic, and procedural safeguards in accordance with the FTC's Safeguards Rule and applicable state law.

8. Your Privacy Rights

Depending on where you live, you may have one or more of the following rights. We honor these rights for residents of every U.S. state where they apply, and as a matter of policy we extend most of these rights to all U.S. residents.

8.1 Rights Available to You

• Right to know / access: a copy of the personal information we hold about you, the categories of sources, the categories of recipients, and the purposes of processing.
• Right to correct: ask us to correct inaccurate personal information.
• Right to delete: ask us to delete your personal information, subject to legal exceptions.
• Right to data portability: receive a copy in a portable, machine-readable format.
• Right to opt out of sale or sharing: instruct us not to sell or share your personal information for cross-context behavioral advertising.
• Right to limit use of sensitive personal information (California): instruct us not to use your sensitive personal information beyond what is necessary to provide the services you requested.
• Right to opt out of profiling and automated decision-making (California, Colorado, Connecticut, Virginia, and others): opt out of profiling that produces legal or similarly significant effects.
• Right to non-discrimination: we will not discriminate against you for exercising your rights.
• Right to appeal: if we deny your request, you may appeal our decision.

8.2 How to Exercise Your Rights

You may exercise your rights by:

• Online: submitting a request at privacy@atlanticsf.com or through our request form (URL forthcoming);
• Phone: calling 1-800-466-7885;
• Mail: writing to Atlantic Settlement Funding, LLC, [INSERT MAILING ADDRESS], Attn: Privacy Officer.

You may also use an authorized agent to submit a request on your behalf. We will require verification of your identity and the agent's authority before processing the request. We aim to respond within 45 days; we may extend the period by an additional 45 days when reasonably necessary, with notice to you.

8.3 "Do Not Sell or Share" and "Limit Use of Sensitive Personal Information"

You can submit these requests through:

• The "Do Not Sell or Share My Personal Information" link in our Site footer;
• The "Limit the Use of My Sensitive Personal Information" link in our Site footer; or
• By enabling the Global Privacy Control (GPC) signal in a supported browser. We honor GPC signals as valid opt-out requests for all U.S. visitors.

8.4 California Residents — Additional Disclosures

In the preceding 12 months, we have collected the categories of personal information described in Section 2 from the sources listed in Section 2 for the purposes described in Section 4, and have shared them with the categories of recipients listed in Section 6.

We do not have actual knowledge of selling or sharing the personal information of consumers under 16 years of age.

If you are a California resident and we deny your request, you may contact the California Privacy Protection Agency at cppa.ca.gov.

8.5 Other State Residents

Residents of Virginia, Colorado, Connecticut, Utah, Texas, Oregon, Montana, Iowa, Tennessee, Indiana, Delaware, New Jersey, New Hampshire, Minnesota, Maryland, Rhode Island, Kentucky, Nebraska, and other states with comprehensive privacy laws may exercise the rights provided under their state's law using the methods in Section 8.2. We will inform you of available rights and process requests in accordance with the timelines required by your state.

9. Communications and Marketing Consent

By providing your phone number and submitting a form on our Sites or otherwise communicating with us, you may, depending on the consent options you select, consent to receive calls and text messages from us, including via automated technology, AI-generated voice, or prerecorded voice.

• Calls and texts may be recorded for quality, training, compliance, and recordkeeping purposes.
• You can revoke consent at any time by replying STOP to a text, by saying "stop calling me" on a call, or by emailing unsubscribe@atlanticsf.com.
• See our TCPA/AI Voice Consent Disclosure (presented at the time of consent) and SMS Terms & Conditions for details.

10. Cookies, Pixels, and Tracking

We and our advertising and analytics partners use cookies, pixels, web beacons, software development kits, and similar technologies on the Sites. Some of these are necessary for the Sites to function; others support analytics and advertising. For non-essential cookies and trackers, we obtain your opt-in consent through our cookie banner, except where prohibited by law. See our Cookie Policy for details, including how to manage your preferences.

We honor browser-based Global Privacy Control signals as valid opt-out requests for the sale or sharing of personal information for cross-context behavioral advertising.

11. Data Retention

We retain personal information for as long as necessary to provide the services you have requested, to comply with our legal obligations (including federal and state recordkeeping requirements), to resolve disputes, to enforce our agreements, and for legitimate business purposes. Specific retention periods vary by category:

• Funding application records: at least seven (7) years following close of the application or completion of the transaction.
• Consent records (TCPA, SMS, recording, e-signature): at least five (5) years following revocation.
• Call recordings and transcripts: typically up to two (2) years, longer if required by law or pending dispute.
• Marketing and analytics data: typically up to two (2) years from last interaction.
• Cookies: up to thirteen (13) months unless you withdraw consent earlier.

When personal information is no longer needed, we delete or de-identify it.

12. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against accidental or unlawful destruction, loss, alteration, unauthorized disclosure, or access. These include encryption in transit and at rest for sensitive information, access controls, employee training, vendor due diligence, and an incident-response plan that includes breach notification consistent with applicable state and federal law. No system is completely secure; we cannot guarantee absolute security.

13. Children's Privacy

The Sites and our services are not directed to children under 18, and we do not knowingly collect personal information from children under 18. If you believe we have inadvertently collected such information, please contact us at privacy@atlanticsf.com and we will delete it.

14. International Visitors

Our services are intended for U.S. residents only. We do not target the European Union, the United Kingdom, or other non-U.S. jurisdictions. If you access the Sites from outside the United States, your personal information will be transferred to and processed in the United States, where data-protection laws differ from those in your jurisdiction. By using the Sites, you consent to that transfer and processing.

If you are a resident of the EU, EEA, UK, or Switzerland and have inadvertently provided personal information, you may request its deletion at privacy@atlanticsf.com.

15. Third-Party Sites and Services

The Sites may contain links to third-party websites and services, including law-firm websites and partner platforms. We are not responsible for the privacy practices of those third parties; please review their privacy policies before providing them with personal information.

16. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. When we make material changes, we will post the updated Policy on the Sites and update the "Effective Date" above; where required by law, we will provide additional notice (e.g., by email or in-product notification). Your continued use of the Sites after the effective date constitutes your acceptance of the updated Privacy Policy.

17. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact:

Atlantic Settlement Funding, LLC
Attn: Privacy Officer
[INSERT MAILING ADDRESS]
Miami, FL [ZIP]
Email: privacy@atlanticsf.com
Phone: 1-800-466-7885