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
• Advertising and analytics partners — including Meta Platforms, Inc. (Facebook and Instagram) and Google Analytics — who help us measure our advertising and show you relevant ads. When you submit an inquiry, we share a hashed, irreversible version of your email address and phone number with Meta so it can match your inquiry to an ad you saw. We do not share the contents of your inquiry, your financing details, or your property preferences for this purpose. You can turn this off at any time — see Do Not Share My Personal Information.
• Successors in the event of a merger, sale, or transfer of assets (subject to this Privacy Policy)

We do not sell your personal information for money. We do share limited identifiers with advertising partners for what California law calls cross-context behavioral advertising, as described above. You can opt out at any time using Do Not Share My Personal Information.

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
• Opt out of sharing your information with advertising partners using Do Not Share My Personal Information. This stops the advertising cookie in your browser and the information we would otherwise send from our servers when you submit a form. It is saved per browser, and it stops future sharing rather than retrieving information already sent
• 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.

Cookies and tracking technologies. We and our advertising partners use cookies and similar technologies. The Meta pixel sets _fbp and _fbc cookies to connect your visit to an ad you saw. Google Analytics measures how the site is used. You can control these through your browser settings, through Meta's ad preferences, and through Google's opt-out add-on. Blocking them does not affect your ability to browse listings or submit an inquiry. Note that browser-level blocking does not stop information sent from our own servers when you submit a form — use Do Not Share My Personal Information for that.

Our mobile apps. Our apps send limited event information — which listings you view and searches you run — to help us measure advertising. The apps do not use your device's advertising identifier and do not track you across other companies' apps or websites.

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