Privacy Policy

1. Information You Provide

We may collect information that you voluntarily provide through the Ring Karma website or Agent Ring intake system.

This may include:

• Your name.
• Your telephone number.
• Your email address.
• Information you provide regarding debt collection, creditor communications, collection agencies, telephone calls, text messages, emails, letters, workplace contact, family or third-party contact, and related circumstances.
• Information about documents, recordings, call logs, screenshots, voicemails, letters, or other evidence you tell us you possess.
• Your communications with Agent Ring.
• Your responses to consent and contact questions.

2. Agent Ring Chat Information

Ring Karma may store the contents of conversations with Agent Ring for intake, review, quality assurance, recordkeeping, fraud prevention, compliance, and related business purposes.

This may include the complete conversation transcript, an internal summary of the information provided, the language used during the conversation, intake status, session information, and the date and time of the interaction.

If a conversation occurs in a language other than English, Ring Karma may create and store an English-language summary for internal review while also retaining the original conversation.

3. Telephone and Text Message Consent Records

When you are asked whether Team Karma may call and text you, Ring Karma may record your response.

Our records may include:

• Whether you selected YES or NO.
• Whether telephone-call consent was provided.
• Whether text-message consent was provided.
• The date and time of the consent event.
• The version of the disclosure presented to you.
• The language in which the disclosure was presented.
• A record of the disclosure text.

These records may be maintained for compliance, documentation, dispute resolution, and related recordkeeping purposes.

For additional information regarding text messages, please review our SMS Terms .

4. Information Collected Automatically

When you visit or use the Ring Karma website, certain information may be collected automatically.

This may include:

• Internet Protocol (IP) address.
• Browser or device information.
• Session identifiers.
• The page through which you entered the website.
• Referral information.
• Marketing campaign information.
• UTM source, medium, and campaign information.
• Approximate geographic information derived from an IP address.

5. Approximate Location Information

Ring Karma may use an IP address to estimate an approximate city, state or region, country, or timezone.

IP-based geographic information is approximate and may not identify your actual physical location.

We may use this information for analytics, security, fraud prevention, service improvement, lead routing, and marketing analysis.

6. Marketing and Attribution Information

Ring Karma may collect information that helps us understand how visitors reached our website and which marketing efforts generate inquiries.

This may include:

• Referring website or page.
• Landing page.
• Advertising campaign identifiers.
• UTM source.
• UTM medium.
• UTM campaign.
• Approximate geographic region.
• Language category.

We may use this information to understand website performance, evaluate advertising, improve our services, and determine where inquiries originate.

7. Language Information

Ring Karma may identify and store the primary language used during an Agent Ring conversation.

For internal routing purposes, inquiries may be organized into categories such as:

• English.
• Spanish.
• Other languages.

The specific language used may also be stored with the intake record.

8. How We Use Information

Ring Karma may use collected information for purposes including:

• Reviewing consumer inquiries.
• Determining whether an inquiry should be forwarded for further human review.
• Communicating with consumers who have authorized contact.
• Maintaining intake and consent records.
• Operating and improving Agent Ring.
• Website security and fraud prevention.
• Analytics and performance measurement.
• Marketing attribution.
• Quality assurance.
• Compliance and recordkeeping.
• Responding to disputes, complaints, or legal obligations.

9. How Information May Be Shared

Ring Karma may disclose information to people or organizations that assist with reviewing, processing, operating, or responding to your inquiry.

Information may also be disclosed to service providers that support website hosting, communications, information technology, analytics, data storage, security, or similar business functions.

Ring Karma may also disclose information when reasonably necessary to comply with applicable law, court orders, subpoenas, legal process, enforce rights, investigate fraud or abuse, or protect the safety of individuals.

10. Artificial Intelligence and Automated Systems

Ring Karma may use automated or artificial-intelligence systems to assist with preliminary intake, language identification, translation, summarization, conversation management, and organization of information.

Agent Ring is an intake tool. It is not an attorney and does not independently establish an attorney-client relationship.

Information gathered through Agent Ring may be reviewed by a human before decisions concerning legal services or representation are made.

11. Data Retention

Ring Karma may retain information for as long as reasonably necessary for intake administration, compliance, recordkeeping, security, analytics, dispute resolution, business operations, or other legitimate purposes.

Different categories of information may be retained for different periods depending on the reason the information was collected and applicable legal or business requirements.

12. Data Security

Ring Karma uses administrative, technical, and organizational measures intended to protect information against unauthorized access, loss, misuse, alteration, or disclosure.

However, no Internet transmission, website, or storage system can be guaranteed to be completely secure.

13. Your Choices

You may decline telephone and text-message consent when presented with the contact-consent question.

If you previously consented to text messages, you may reply STOP to a Ring Karma text message to request that covered text messages stop.

You may reply HELP for available messaging assistance.

14. Privacy Requests

Depending on where you live, applicable privacy law may provide rights concerning certain personal information, such as the ability to request access, correction, deletion, or information regarding how personal information is used.

Some information may be retained where permitted or required for legal, security, compliance, dispute, fraud-prevention, or recordkeeping purposes.

15. Children

Ring Karma is intended for adults seeking information concerning consumer debt-collection matters.

The service is not designed or intended for children to independently submit personal information.

16. Third-Party Services

The Ring Karma website may contain links to third-party websites or use third-party technology or service providers.

Ring Karma is not responsible for the privacy practices of independent third-party websites. Their privacy policies govern information they independently collect.

17. Changes to This Privacy Policy

Ring Karma may update this Privacy Policy from time to time to reflect changes in our practices, technology, services, or legal requirements.

The "Last Updated" date at the top of this page identifies the current version.