Last Updated: 11-6-2025


1. Overview

This Privacy Policy explains how CollectionStopperMembership, LLC ("Company," "we," "our," or "us") collects, uses, stores, and protects information from users of KillDebt.com, KillDebt.ai, ParkerGPT, and related platforms, services, or materials (collectively, the "Services").

By accessing or using the Services, you agree to this Privacy Policy. If you do not agree, please do not use the Services.

2. Information We Collect

We collect information that helps us operate, improve, and provide the Services. This includes:

A. Information You Provide

  • Account details such as your name, email address, billing address, and password.

  • Payment information when you purchase memberships or consultations (processed through secure third-party payment processors such as Stripe).

  • Documents, text, or other materials you upload to ParkerGPT or our platform.

  • Any messages or correspondence you send to our support team.

B. Automatically Collected Information
When you use the Services, we automatically collect:

  • Device and browser data (e.g., IP address, operating system, type of device).

  • Usage data such as pages visited, actions taken, and session times.

  • Cookies or similar tracking technologies used to analyze trends and improve performance.

C. AI and Analytical Data
If you use ParkerGPT, your prompts, questions, and uploaded materials may be processed by our AI systems to generate educational responses.
We may use anonymized and aggregated data to improve accuracy, training, and product performance.

3. How We Use Your Information

We use your information to:

  • Create and maintain your account and membership access.

  • Provide, personalize, and improve the Services.

  • Respond to your questions and provide customer support.

  • Process payments and manage billing.

  • Send important updates, security alerts, or administrative messages.

  • Offer educational content, recommendations, or promotional communications (you may opt out anytime).

  • Ensure compliance with our Terms of Service and enforce legal rights.

We do not sell your personal information.

4. AI Use and Data Handling

When you interact with ParkerGPT, your text inputs and uploaded files are processed securely to generate responses.
We do not use your private materials to train public AI models.
Your content is stored only as needed to operate and maintain the Service or as required by law.

You are responsible for removing or redacting sensitive personal data before uploading documents.

5. Payments

Payments are securely processed through trusted third-party providers such as Stripe.
We do not store or have access to your full credit card number or banking details.
Payment processors handle this data in accordance with their own privacy policies.

6. Cookies and Tracking

We use cookies and similar technologies to:

  • Keep you signed in to your account.

  • Understand how you use the Services.

  • Improve functionality and user experience.

You can adjust your browser settings to disable cookies, though some features may not work properly without them.

7. How We Share Information

We may share limited information as follows:

  • With service providers who help us operate our business (e.g., hosting, email delivery, analytics, payment processing).

  • With legal authorities if required to comply with a valid legal process, law, or court order.

  • During a business transfer, merger, or acquisition, in which case your information may be transferred to a successor entity.

We do not sell or rent your personal data to advertisers or third parties.

8. Data Retention

We retain personal data only for as long as necessary to provide our Services, fulfill legal obligations, or resolve disputes.
When data is no longer needed, it is securely deleted or anonymized.

9. Data Security

We use reasonable physical, administrative, and technical safeguards to protect your data from unauthorized access, disclosure, alteration, or destruction.
While we strive to secure your information, no method of online transmission or storage is 100% secure, and we cannot guarantee absolute security.

10. Your Rights

Depending on your jurisdiction, you may have rights to:

  • Access or request a copy of your personal data.

  • Request correction or deletion of inaccurate information.

  • Object to certain types of data processing.

  • Withdraw consent for marketing communications.

To exercise these rights, contact us at support@killdebt.com.
We will verify your request and respond within a reasonable time.

11. Communications and Marketing

We may send you administrative and transactional messages such as payment confirmations or account updates.
We may also send newsletters or marketing emails if you have opted in.
You can unsubscribe anytime by clicking the “unsubscribe” link in our emails or by contacting us directly.

12. Children’s Privacy

Our Services are not directed to children under 13.
We do not knowingly collect personal data from anyone under 13.
If we learn that a child has provided personal data, we will delete it promptly.

13. International Users

If you access the Services from outside the United States, please note that your data may be transferred to and processed in the United States.
By using our Services, you consent to this transfer and processing.

14. Changes to This Policy

We may update this Privacy Policy from time to time.
The "Last Updated" date above reflects the most recent version.
We encourage you to review this Policy from time to time.
Continued use of the Services after any updates constitutes your acceptance of the revised Policy.

15. Contact Us

If you have any questions or concerns about this Privacy Policy or your personal data, please contact us: