Privacy Policy

1. Introduction

Keystone Fund Recovery ("we," "us," "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our surplus funds recovery services or visit our website.

2. Information We Collect

2.1 Personal Information You Provide

We collect information you voluntarily provide to us, including:

• Name and contact information (email, phone, mailing address)
• Property address and foreclosure details
• Social Security Number (only when required for claim processing)
• Date of birth
• Documentation related to your property and foreclosure
• Financial information necessary for fund disbursement

2.2 Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and browser type
• Device information
• Pages visited and time spent on our site
• Referring website
• Geographic location (general)

2.3 Information from Public Records

As part of our services, we research public records including:

• Foreclosure sale records
• Property ownership records
• Court filings
• Tax records

3. How We Use Your Information

We use collected information for:

• Service Delivery: Processing your surplus funds claim
• Communication: Providing updates on your claim status
• Verification: Confirming your identity and eligibility
• Legal Compliance: Meeting regulatory requirements
• Improvement: Enhancing our services and website
• Protection: Preventing fraud and unauthorized access

4. Information Sharing and Disclosure

4.1 We DO NOT sell your personal information

We never sell, rent, or trade your personal information to third parties for marketing purposes.

4.2 Limited Sharing

We may share your information only in these circumstances:

• Service Providers: With trusted partners who assist in claim processing
• Legal Requirements: When required by law, court order, or government request
• Protection: To protect our rights, safety, or property
• Business Transfer: In connection with a merger or sale of our business
• With Your Consent: When you explicitly authorize us to share

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information:

• SSL encryption for data transmission
• Secure servers with restricted access
• Regular security assessments
• Employee training on data protection
• Limited access on a need-to-know basis

However, no method of transmission over the internet is 100% secure, and we cannot guarantee absolute security.

6. Data Retention

We retain your personal information for:

• Active claims: Duration of the claim process plus any required legal retention period
• Completed claims: Minimum of 7 years for tax and legal compliance
• Marketing communications: Until you opt-out
• Website data: Generally 12 months

7. Your Rights and Choices

You have the right to:

• Access: Request a copy of your personal information
• Correction: Update or correct inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Opt-Out: Unsubscribe from marketing communications
• Restriction: Limit how we use your information

8. Cookies and Tracking Technologies

We use cookies and similar technologies to:

• Remember your preferences
• Understand how you use our website
• Improve your experience
• Analyze website traffic

You can control cookies through your browser settings, but disabling cookies may affect website functionality.

9. Third-Party Links

Our website may contain links to third-party websites. We are not responsible for their privacy practices and encourage you to review their privacy policies.

10. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children. If we learn we have collected information from a child, we will delete it promptly.

11. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including:

• Right to know what personal information we collect
• Right to delete personal information
• Right to opt-out of sale (we do not sell personal information)
• Right to non-discrimination

12. International Users

Our services are intended for United States residents. If you access our services from outside the U.S., your information will be transferred to and processed in the United States.

13. Changes to This Policy

We may update this Privacy Policy periodically. We will notify you of significant changes by:

• Posting the updated policy on our website
• Updating the "Last Updated" date
• Sending email notification for material changes