Acceptable Use Policy — Debt Recovery Experts

Paste into WordPress page titled "Acceptable Use Policy" | Last Updated: July 25, 2026

This Acceptable Use Policy ("AUP") is incorporated into the DRE Terms of Use. It defines acceptable and prohibited conduct when using the DRE website (https://debtrecoveryexperts.com), client portal, payment portal, and all related services. Capitalized terms not defined here have the meanings given in the Terms of Use.

Violations of this AUP are violations of the Terms of Use and may result in account suspension or permanent termination.

1. Purpose and Scope

This AUP applies to all DRE clients (account holders), anyone who accesses or interacts with the DRE platform, and any use of debtor or creditor data obtained through the platform. It covers claim submission, portal usage, communications with DRE, data handling, and all other interactions with the Services.

The rules in this document exist to protect DRE, our clients, and the individuals we interact with during the debt recovery process. By using the Services, you agree to follow them.

2. Acceptable Use

2.1 Permitted Uses

You may use the DRE platform to:

Submit legitimate, substantiated commercial debt claims for recovery.
Upload supporting documentation, including contracts, invoices, statements, and correspondence.
Execute Limited Powers of Attorney through the online notarization workflow.
Track claim status and view case details through your client dashboard.
Receive disbursements for debts that have been successfully collected.
Download closed-case documentation and records.
Communicate with DRE staff regarding your active claims.

2.2 Account Security

You are responsible for maintaining the security of your account. You must:

Keep your login credentials confidential and not share them with unauthorized individuals.
Use a strong, unique password for your account and enable multi-factor authentication if offered.
Log out after each session on shared or public devices.
Report any suspected unauthorized access to DRE immediately.

2.3 Accurate Information

All information you submit — including claim details, debtor information, documentation, and your own account information — must be truthful, accurate, and complete. You must promptly update your information if circumstances change. Submitting claims under false pretenses or using another person's or entity's identity is strictly prohibited.

3. Prohibited Conduct

3.1 Harassment and Abusive Behavior

The following conduct is strictly prohibited:

Harassing, threatening, or intimidating DRE staff, agents, or contractors.
Using abusive, profane, or discriminatory language in any communication with DRE.
Repeatedly submitting frivolous, bad-faith, or vexatious claims.
Using the platform to stalk, dox, or intimidate any person.
Any conduct that could reasonably constitute harassment under Texas Penal Code § 42.07 or similar laws.

3.2 Illegal Collection Tactics

Even if DRE is not directly involved in the communication, you are strictly prohibited from using information obtained through the platform to engage in unlawful collection practices, including:

Contacting debtors in violation of the Fair Debt Collection Practices Act (FDCPA) — for example, calling at unreasonable hours (before 8:00 a.m. or after 9:00 p.m. local time), contacting the debtor at work after being told not to, using false or misleading representations, or threatening legal action that is not actually intended.
Violating the Texas Finance Code Chapter 392 — including threatening violence, using obscene or profane language, collecting unauthorized fees, or misrepresenting the character, extent, or amount of a debt.
Violating the Telephone Consumer Protection Act (TCPA) — including using auto-dialed calls or pre-recorded messages to mobile phones without prior express consent.
Impersonating an attorney, law enforcement officer, government official, or any person you are not.
Threatening criminal prosecution, arrest, wage garnishment, or any legal action not authorized by law.
Contacting the debtor's employer, family members, or neighbors about the debt, except as specifically permitted by law to locate the debtor.
Publishing or threatening to publish information about a debtor or their debt (commonly known as "debt shaming").
Using or threatening physical force against any person.

3.3 Fraudulent and Deceptive Conduct

The following is strictly prohibited:

Submitting fabricated, forged, or altered documentation.
Submitting claims for debts that have already been paid, settled, or discharged in bankruptcy.
Submitting claims you know or have reason to know are false, inflated, or unsubstantiated.
Creating multiple accounts to circumvent claim limits, prior suspensions, or fee structures.
Misrepresenting the nature, amount, or legal status of any debt.
Impersonating another person, business, or entity.
Using stolen or synthetic identities.

3.4 Misuse of Debtor Data

Debtor information obtained through the DRE platform may be used solely for the specific debt recovery claim for which it was provided. You are strictly prohibited from:

Using debtor information for any purpose unrelated to the specific claim.
Selling, renting, trading, or otherwise transferring debtor data to any third party.
Using debtor data for marketing, lead generation, competitive intelligence, or any commercial purpose other than the specific recovery claim.
Retaining debtor data after the claim has been closed or your account has been terminated.
Accessing debtor information for claims you are not authorized to manage.
Cross-referencing or aggregating debtor data across unrelated claims.

3.5 Platform Abuse

You may not:

Use bots, scripts, scrapers, or any automated means to submit claims or interact with the platform.
Attempt to bypass rate limits, validation checks, or security controls.
Reverse engineer, decompile, or attempt to extract DRE's proprietary AI models, algorithms, or tools.
Overload, flood, or conduct denial-of-service attacks against the platform.
Probe, scan, or test platform vulnerabilities without DRE's explicit written authorization.
Interfere with other clients' access to or use of the Services.
Transmit malware, viruses, worms, or any malicious code through the platform.

3.6 Credit Bureau and FCRA Misuse

DRE's Services are primarily for B2B commercial debt recovery. You are strictly prohibited from:

Using DRE platform data to report commercial debts to consumer credit bureaus (Equifax, Experian, TransUnion) unless you hold a valid, signed personal guarantee from the debtor individual, you are in full compliance with FCRA furnisher duties under 15 U.S.C. § 1681s-2, and you have made pre-reporting contact with the debtor as required by the FDCPA and CFPB regulations.
Using DRE skip-tracing or debtor research data to obtain consumer credit reports without a permissible purpose under the FCRA.
Reporting debts to credit bureaus without a reasonable basis to believe the information is accurate and complete.
Ignoring debtor disputes or failing to conduct a reasonable investigation as required by FCRA § 1681s-2(b).

3.7 Prohibited Communications

You may not:

Send mass, unsolicited commercial messages (spam) to debtors.
Communicate with debtors at times or places you know, or have reason to know, are inconvenient (such as before 8:00 a.m. or after 9:00 p.m. in the debtor's local time zone), unless the debtor has agreed otherwise.
Continue contacting a debtor who has requested in writing that communications cease, other than to notify the debtor of specific legally permitted actions (e.g., that collection efforts are terminated, or that a specific remedy will be pursued).
Contact a debtor you know to be represented by an attorney regarding the debt — you must direct communications to the attorney instead.
Use DRE templates, letterhead, or branding in any communication not authorized or reviewed by DRE.

4. Compliance Expectations

4.1 Regulatory Framework

All users of DRE Services are expected to be familiar with and comply with the following laws and regulations:

Regulation	Key Requirements
FDCPA (15 U.S.C. § 1692)	Prohibits harassment, false statements, and unfair practices in debt collection
Texas Finance Code Ch. 392	Texas state debt collection rules, including criminal penalties for violations
TCPA (47 U.S.C. § 227)	Requires prior express consent for auto-dialed calls and texts to mobile phones
FCRA (15 U.S.C. § 1681)	Governs accuracy and dispute handling when reporting to credit bureaus
Texas Data Privacy Act	Governs data protection and breach notification for Texas residents
GLBA Safeguards Rule	Requires administrative, technical, and physical safeguards for financial data

4.2 Best Practices

Although the FDCPA is primarily directed at consumer debt collection, DRE applies FDCPA-level best practices to all claims as a matter of policy. This means:

All communications are professional and respectful.
Written debt validation is provided upon debtor request.
Communications cease when requested, with legally permitted exceptions.
No false, misleading, or deceptive representations are made.
Mini-Miranda disclosures are included on all collection communications.

Clients are expected to uphold these same standards in any interaction with debtors.

4.3 Reporting Violations

If you believe a DRE user is violating this AUP, report it to DRE immediately using the contact information in Section 7. If you are a debtor and believe DRE or one of its clients has violated debt collection laws, you may contact DRE directly or file a complaint with the Federal Trade Commission, Consumer Financial Protection Bureau, or Texas Attorney General.

5. Enforcement

5.1 Investigation

DRE reserves the right to investigate any suspected violation of this AUP. Investigations may include reviewing account activity, submitted claims, communications, and uploaded documents. DRE may cooperate with law enforcement or regulatory authorities in investigations and may temporarily suspend account access during the investigation period.

5.2 Consequences

Enforcement actions are calibrated to the severity and frequency of the violation:

Level	Examples	Consequences
Minor / First Offense	Incomplete claim information, minor portal misuse	Written warning with a 7-day corrective period
Moderate	Repeat minor violations, unauthorized debtor contact, abrasive communication toward DRE staff	30-day account suspension; mandatory compliance review before reinstatement
Severe	Fraud, harassment, illegal collection tactics, debtor data misuse, platform abuse	Permanent account termination; forfeiture of pending claims (subject to legal review); possible referral to law enforcement or regulatory authorities

5.3 Appeals

If your account is suspended or terminated under this AUP, you may appeal the decision by submitting a written explanation and any mitigating evidence to DRE within 14 calendar days of the enforcement action. DRE will review the appeal and issue a decision within 30 calendar days. The decision on appeal is final. During the appeal period, the suspension or termination remains in effect unless DRE determines otherwise.

5.4 No Waiver

DRE's failure to enforce any provision of this AUP — whether in a specific instance or over time — does not constitute a waiver of our right to enforce it in the future. We may enforce violations retroactively if they are discovered after the fact.

6. Modifications

DRE may update this AUP at any time to reflect changes in applicable laws, industry best practices, or platform capabilities. Material changes will be communicated via email (if we have your email on file) and/or by a notice on the Site. Your continued use of the Services after changes are posted constitutes your acceptance of the updated AUP.

7. Contact

To report a violation of this AUP:

Email: support@debtrecoveryexperts.com
Phone: [Phone]

For general questions about this AUP, contact DRE through the client portal or at the contact information above.

If you are a debtor with a complaint about collection conduct, please reference your claim number (if known) when contacting us.

⚠️ ATTORNEY REVIEW REQUIRED: This document must be reviewed by a licensed Texas attorney before publication. Key review items: FDCPA applicability to B2B commercial debt collections and whether DRE's "best practices" approach creates unintended legal obligations, FCRA furnisher obligations, TCPA SMS consent language alignment, enforcement escalation framework, and cross-reference consistency with the Terms of Use and Privacy Policy.