Privacy Policy

1. Introduction

Rapid Restructure (operated by JL Mobile LLC, "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services.

By using our services, you agree to the collection and use of information in accordance with this Privacy Policy. If you do not agree with our policies and practices, please do not use our services.

2. Information We Collect

Personal Information

We collect personal information that you voluntarily provide to us when you:

• Fill out our marketing assessment form
• Submit a full application for services
• Contact us via phone, email, or our website
• Create an account in our client portal

The personal information we collect may include:

• Name and contact information (email, phone number, business address)
• Business name and tax identification number
• Financial information (MCA debt amounts, payment schedules, bank statements)
• Business documents (articles of incorporation, operating agreements, tax returns)
• Payment information for our services

Automatically Collected Information

When you visit our website, we automatically collect certain information about your device, including:

• IP address and browser type
• Device and operating system information
• Pages visited and time spent on pages
• Referring website or source
• Search terms used to find our website

Cookies and Tracking Technologies

We use cookies and similar tracking technologies to track activity on our website and store certain information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, some parts of our website may not function properly without cookies.

We use the following types of cookies:

• Essential cookies: Required for website functionality
• Analytics cookies: Help us understand how visitors use our website (Google Analytics)
• Marketing cookies: Track marketing campaign performance (Google Ads, Facebook Pixel)

3. How We Use Your Information

We use the information we collect for the following purposes:

• Service Delivery: To provide MCA debt restructuring services, negotiate with lenders, and manage your case
• Communication: To contact you about your case, schedule calls, and send confirmations
• Customer Support: To respond to your questions and provide assistance
• Marketing: To send you information about our services (you can opt out anytime)
• Analytics: To understand how visitors use our website and improve our services
• Legal Compliance: To comply with legal obligations and enforce our agreements
• Fraud Prevention: To detect and prevent fraudulent activity

4. How We Share Your Information

We do not sell your personal information to third parties. We may share your information in the following circumstances:

Service Providers

We share information with third-party service providers who help us operate our business:

• Salesmate CRM: Customer relationship management and lead tracking
• Resend: Email delivery service for transactional and marketing emails
• DocuSeal: Document signing and contract management
• Supabase: Database hosting and authentication
• Google Analytics: Website analytics
• Payment processors: To process service fees

Legal Partners

We share information with attorneys in our network when necessary to provide legal representation as part of our services.

Legal Requirements

We may disclose your information if required to do so by law or in response to valid requests by public authorities (e.g., court orders, subpoenas).

Business Transfers

If we are involved in a merger, acquisition, or sale of assets, your information may be transferred. We will provide notice before your information becomes subject to a different privacy policy.

5. Data Retention

We retain your personal information for as long as necessary to provide our services and fulfill the purposes described in this Privacy Policy. Specifically:

• Marketing leads: Retained indefinitely for business development and historical tracking
• Client records: Retained indefinitely for business records and potential future service needs
• Financial records: Retained in accordance with tax and accounting requirements
• Website analytics: Anonymized data retained for long-term trend analysis

If you request deletion of your information, we will delete or anonymize your personal information within 30 days, except where we are required to retain it by law or for legitimate business purposes.

6. Your Privacy Rights

Depending on your location, you may have certain rights regarding your personal information:

Right to Access

You have the right to request a copy of the personal information we hold about you.

Right to Correction

You have the right to request that we correct inaccurate or incomplete information.

Right to Deletion

You have the right to request deletion of your personal information, subject to certain legal exceptions.

Right to Opt-Out of Marketing

You can opt out of marketing emails at any time by clicking the "unsubscribe" link at the bottom of any marketing email or by contacting us directly.

7. Data Security

We implement appropriate technical and organizational measures to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include:

• Encryption of data in transit (SSL/TLS)
• Encryption of sensitive data at rest
• Regular security assessments and updates
• Restricted access to personal information (need-to-know basis)
• Secure document storage and transmission

However, no method of transmission over the Internet or electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your information, we cannot guarantee absolute security.

8. California Privacy Rights (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA):

• Right to know what personal information we collect and how we use it
• Right to request deletion of personal information
• Right to opt-out of the sale of personal information (we do not sell personal information)
• Right to non-discrimination for exercising your CCPA rights

To exercise these rights, contact us at help@rapidrestructure.com.

9. Children's Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children. If you become aware that a child has provided us with personal information, please contact us immediately.

10. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices of these websites. We encourage you to read the privacy policies of any third-party sites you visit.

11. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page with an updated "Last updated" date. We encourage you to review this Privacy Policy periodically for any changes.

Your continued use of our services after changes are posted constitutes your acceptance of the updated Privacy Policy.

12. International Users

Our services are provided from the United States and are intended for users within the United States. If you are accessing our services from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States where our servers are located.

By using our services, you consent to the transfer of your information to the United States.

13. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us: