Privacy Policy

1. Information We Collect

We collect information you provide directly and information collected automatically when you use our services.

Information you provide:

• Name, email address, and phone number when you request information, submit a lead, or create an account
• Property preferences (state, county, acreage, budget, timeline) when you search or express interest in land
• Payment-related information when you make a down payment or monthly payment (processed by secure third-party processors; we do not store full card numbers)
• Communications you send to us (e.g., contact form, chat, or support requests)

Information collected automatically:

• Device and app information (e.g., device type, OS, app version) when you use our website or mobile apps
• Usage data (e.g., pages viewed, properties viewed, search terms) to improve our services
• Approximate location (e.g., from IP or device settings) when you allow it, to show relevant land listings

2. How We Use Information

We use the information we collect to:

• Respond to your inquiries and provide customer support
• Send you transactional and promotional emails and SMS messages (only where you have opted in—see "Messaging (SMS & Email)" below)
• Process and service your land contract (payments, documents, payoff information)
• Improve our website, mobile apps, and CRM; personalize content and property recommendations
• Comply with legal obligations and protect our rights

3. Messaging (SMS & Email) — Opt-In, Opt-Out, HELP, Frequency

We may send you automated and non-automated promotional and transactional SMS messages and emails. Message and data rates may apply. Consent is not required to purchase.

Opt-in: You opt in when you voluntarily provide your phone number and agree to receive SMS (e.g., by checking a box or clicking "Submit" on a form that states you agree to receive messages from Zero Credit Land). You may also opt in to marketing emails by signing up or checking the relevant box.

Opt-out (SMS): Reply STOP to any SMS from us to unsubscribe from future SMS messages. You will receive a confirmation message. After that, you will no longer receive promotional SMS; you may still receive transactional messages related to your contract if you are a customer.

Opt-out (email): Use the "Unsubscribe" link in any marketing email, or contact us at the information below to opt out of marketing emails. Transactional emails (e.g., payment confirmations) may still be sent as necessary.

HELP: Reply HELP to any SMS from us for assistance and contact information.

Message frequency: Message frequency varies. You may receive multiple messages per week for promotions, property updates, or payment reminders depending on your preferences and account status.

These practices apply to messaging from our website, mobile apps (iOS and Android), and CRM. Our mobile apps may link to this Privacy Policy for in-app disclosure.

4. How We Share Information

We may share your information with:

• Service providers (e.g., hosting, email/SMS delivery, payment processing, CRM and backend systems) who assist us in operating our business, under contractual obligations to protect your data
• Legal and regulatory authorities when required by law or to protect our rights
• Successors in the event of a merger, sale, or transfer of assets (subject to this Privacy Policy)

We do not sell your personal information to third parties for their marketing.

5. Your Choices

You can:

• Opt out of SMS by replying STOP; opt out of marketing emails via the unsubscribe link or by contacting us
• Update or correct your contact information by contacting us
• Request access to or deletion of your personal information (subject to applicable law) by contacting us at the information below
• Disable location or certain permissions in your device or app settings where applicable

6. How We Protect Information

We use reasonable technical, administrative, and physical safeguards to protect your information against unauthorized access, loss, or misuse. Communication with our website and apps is encrypted (e.g., HTTPS). Payment data is handled by compliant payment processors. No method of transmission or storage is 100% secure; we cannot guarantee absolute security.

7. Third-Party Applications and Websites

Our website and mobile apps may contain links to third-party websites or integrate with third-party services (e.g., maps, payment gateways, analytics). We are not responsible for the privacy practices of those third parties. We encourage you to read their privacy policies. Our Privacy Policy applies only to Zero Credit Land's own collection and use of your information.

8. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post the updated policy on this page and update the "Last updated" date. For material changes, we may provide additional notice (e.g., by email or in-app notice). Your continued use of our website or apps after changes constitutes acceptance of the updated policy. We encourage you to review this page periodically.

9. Contact Information

For questions about this Privacy Policy, to exercise your choices, or to request access or deletion of your information, contact us:

Zero Credit Land
Allen, Texas
Phone: 469-908-2174
Email: contact@zerocreditland.com
Web: zerocreditland.com