Privacy Policy & Disclosures

Placeholder text. This page is editable boilerplate to get you started. It is not final legal copy. Have it reviewed by a qualified attorney and update every [bracketed] item — especially to reflect the email provider, analytics, payment and affiliate tools you actually use.

1. Not legal advice

Know Your Debt Rights (“we,” “us”) is an educational content brand operated by LGJ Enterprises LLC. We are not a law firm, and we are not attorneys acting on your behalf. The information on this website, in our videos, emails, downloads and any course is provided for general educational purposes only and does not constitute legal, financial or tax advice.

Using this site, downloading our materials, or contacting us does not create an attorney-client relationship. Debt collection laws vary by state and change over time, and how they apply depends on the specific facts of your situation. Before acting on anything you learn here, consult a licensed attorney in your state.

We work to keep our content accurate and cite primary sources, but we make no guarantee that any information is complete, current, or applicable to you.

2. Affiliate disclosure

Some links on this website, in our YouTube video descriptions and in our emails are affiliate links. If you click an affiliate link and make a purchase or sign up, we may receive a commission from the provider, at no additional cost to you.

We only recommend products and services we believe may be useful to our audience. Affiliate relationships do not influence the legal information we publish. Where a link is an affiliate link, it is marked with rel="sponsored", and we disclose affiliate relationships in accordance with the Federal Trade Commission’s Guides Concerning the Use of Endorsements and Testimonials in Advertising (16 C.F.R. Part 255).

[List affiliate programs or networks you participate in, if desired, e.g. “We participate in the [Program Name] affiliate program.”]

We may also sell our own digital products, such as courses. When we do, it will be clear that the product is ours.

3. Privacy policy

Information we collect

• Information you give us: your email address and, optionally, your first name when you sign up for the FDCPA Rights Cheat Sheet or our emails. If you buy a product, our payment processor collects the details needed to complete the purchase.
• Information collected automatically: basic usage data such as pages viewed, referring site, approximate location, browser and device type, collected through [analytics provider, e.g. Google Analytics / Plausible] and cookies or similar technologies.
• Campaign information: when you sign up, we may record the page you signed up on and any marketing tags in the link you followed (for example, UTM parameters), so we know which content is helpful.

We do not ask for, and you should not send us, sensitive details about your specific debts, account numbers or Social Security number.

How we use it

• To deliver the lead magnet and emails you requested.
• To send educational content and, occasionally, information about our products or recommended resources.
• To understand how the site is used and improve it.
• To process purchases and provide customer support.
• To comply with legal obligations.

Who we share it with

We do not sell your personal information. We share it only with service providers that help us run the site and business, such as:

• Email service provider: [ConvertKit / Mailchimp / Systeme.io]
• Analytics: [provider]
• Payments / digital delivery: [Stripe / Gumroad / Systeme.io]
• Website hosting: [Netlify / Cloudflare Pages / GitHub Pages]

These providers may only use your information to perform services for us. We may also disclose information if required by law.

Email

Every email we send includes an unsubscribe link. You can opt out at any time, and we will honor your request promptly. We comply with the CAN-SPAM Act.

Cookies

We and our providers may use cookies and similar technologies for analytics and, if applicable, advertising and affiliate tracking. You can control cookies through your browser settings. Embedded YouTube videos load from youtube-nocookie.com only when you click play.

Your choices and rights

Depending on where you live (for example, California or the EU/UK), you may have the right to access, correct, delete or obtain a copy of your personal information, and to opt out of certain processing. To make a request, contact us using the details below. [Add state- or region-specific language as advised by counsel.]

Data retention and security

We keep personal information only as long as needed for the purposes above or as required by law, and we use reasonable safeguards to protect it. No method of transmission or storage is completely secure.

Children

This site is not directed to children under 13, and we do not knowingly collect their personal information.

Changes

We may update this policy from time to time. The effective date at the top of this page shows when it last changed.

4. Terms of use

By using this site you agree to these terms. All content, including text, graphics, videos and downloads, is owned by LGJ Enterprises LLC unless otherwise noted. You may share the free FDCPA Rights Cheat Sheet for personal, non-commercial purposes as long as you don’t alter it or remove our branding. Any other reproduction requires our written permission.

The site and its content are provided “as is” without warranties of any kind. To the fullest extent permitted by law, LGJ Enterprises LLC is not liable for any damages arising from your use of the site or reliance on its content. Links to third-party sites are provided for convenience; we are not responsible for their content or practices.

These terms are governed by the laws of the State of [State], without regard to its conflict-of-law rules.

5. Contact

LGJ Enterprises LLC
[Mailing address]
Email: hello@knowyourdebtrights.com