Privacy Policy / Consumer Privacy Notice

Effective Date: January 1, 2025

Structured Settlement Capital, LLC and 123LumpSum, LLC (“Company,” “we,” “our,” or “us”) provides this Privacy Notice to explain our information practices and your choices regarding your personal information when you use our website (https://www.123lumpsum.com/) or receive SMS/text communications from us.

1. Information We Collect

We collect personal information in the following categories:

  • Identifiers & Contact Information: name, postal address, email address, phone number (including mobile number).
  • Transactional & Usage Data: details you provide in forms, your activity on our website, communications history, date/time stamps.
  • Technical & Device Data: IP address, browser type, device ID, operating system, cookies, usage logs.
  • SMS Data / Consent Info: opt-in/opt-out status, preferences, message history.

We may also collect non-identifiable aggregated data about usage patterns.

2. Sources of Information

We obtain information from:

  • You directly (via forms, applications, support).
  • Service providers and analytics tools (for website usage).
  • Public or third-party databases (only as permitted by law).

3. How We Use Your Information

We use personal information for purposes including:

  • To deliver services and respond to your requests.
  • To send you SMS messages, marketing offers, updates, and transactional messages (where you have consented).
  • To improve and optimize our website and communications.
  • To detect fraud, enforce our terms, and protect rights.
  • To comply with legal obligations.

4. Information Sharing & Disclosure

We do not sell, trade, rent, or otherwise transfer your personal information to non-affiliated third parties for their marketing purposes without your explicit consent.

However, we may share information with:

  • Service providers and agents who help us operate our service (e.g. SMS gateway providers, hosting, analytics), subject to confidentiality obligations.
  • Legal or governmental authorities as required by law or to protect our rights.

5. Your Rights and Choices

Depending on your jurisdiction, you may have rights such as:

  • Accessing, correcting, or deleting your personal data.
  • Withdrawing consent to SMS or marketing communications.
  • Opting out of certain processing or sharing.

To exercise your rights or for questions, contact us at:
Email: info@123lumpsum.com
Phone: 800-400-9123

6. Cookies, Tracking & Analytics

We, and our service providers, use cookies, web beacons, and similar technologies to collect technical information about your browsing, and to improve functionality and performance.

7. Data Security

We implement reasonable administrative, technical, and physical safeguards to protect personal data. However, we cannot guarantee absolute security.

8. Children & Minors

Our services are not directed to persons under 18 years old. We do not knowingly collect personal information from children under 18.

9. Changes to This Privacy Notice

We may revise this Privacy Notice from time to time. The updated version will include a new “Effective Date” and will apply going forward. We encourage you to review it periodically.

10. Governing Law & Contact

This Privacy Notice is governed by the laws of the State of Florida. For questions regarding this policy:
Structured Settlement Capital / 123LumpSum
300 S Pointe Drive #3405, Miami Beach, FL 33139
Email: support@123lumpsum.com
Phone: 800-400-9123

SMS Terms & Conditions / Message Terms

Effective Date: January 1, 2025

By opting in to receive SMS/text messages from Structured Settlement Capital / 123LumpSum, you agree to the following terms:

  1. Message Service Description
    We use SMS/text messages to deliver marketing content, account updates, reminders, and promotional offers, as applicable.
  2. Frequency
    Message frequency varies; you may receive multiple messages per week based on your activity and engagement.
  3. Opt-Out
    To stop receiving SMS messages, reply STOP. After we receive your request, we may send a confirmation text. You will no longer receive messages unless you re-opt in.
  4. Help / Assistance
    For assistance, reply HELP or contact us via email at info@123lumpsum.com or by phone at 800-400-9123.
  5. Message & Data Rates
    Message & Data rates may apply based on your wireless plan. Please consult your mobile carrier.
  6. Privacy
    Your personal information used for SMS communication is handled in accordance with our Privacy Policy. We do not sell or trade SMS subscriber data for marketing purposes.
  7. Eligibility
    You must be at least 18 years old to enroll in our SMS service.
  8. Carrier Disclaimer
    Carriers do not guarantee that messages will be delivered or timely. We are not liable for delayed or undelivered messages.
  9. Modifications
    We may modify these Terms & Conditions at any time. We will post the updated version with the new Effective Date, and changes will apply prospectively.
  10. Governing Law
    These terms are governed by the laws of the State of Florida.