Privacy Policy
Privacy Policy
Settlemint LLC ("Settlemint," "we," "us," or "our") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect personal information when you visit our public website at www.mysettlemint.com (the "Site"), when you access or use the authenticated portal located at app.mysettlemint.com (the "Portal"), and when you otherwise interact with Settlemint in connection with the consumer funding services we provide. The Site and the Portal are referred to together as the "Services." By using the Services or submitting information to us, you acknowledge that you have read and understood this Privacy Policy.
1. Scope and Application
This Privacy Policy applies to personal information we collect from or through the Site. This Privacy Policy also applies to personal information we collect through our broader funding operations, including our underwriting, servicing, and audit activities. This Privacy Policy does not apply to information collected by any third party, including any third party that operates a website, application, or service to which we may link.
2. Information We Collect
We collect personal information from and about you when you interact with the Services. The categories of information we may collect are described below.
2.1 Information You Provide Directly
We collect information that you voluntarily provide to us, which may include:
Contact and identification information, such as your full legal name, mailing address, email address, telephone number, and (for attorneys) law firm name and bar registration information.
Account credentials and authentication data, including your verified email address used for magic-link or password-based authentication into the Portal, session tokens, and related authentication metadata.
Information about a Client's legal matter, including the state in which the matrimonial proceeding is pending, court venue, the identity of the Client and the Client's spouse, separation date, prenuptial-agreement status, custody and child-related facts to the extent material to the matter, the identity and contact information of the Client's attorney, and the stage of the proceeding.
Financial information, including income, estimated marital estate value, asset and liability detail, anticipated settlement proceeds, requested or approved funding amount, draw history, and attorney billing statements provided in connection with Subsequent Draw requests under the Purchase and Sale Agreement (PSA).
Identity verification information, such as date of birth and, where applicable to underwriting (for example, a soft credit inquiry), the last four digits of your Social Security number or a complete Social Security number, in each case with your separate written authorization.
Documents uploaded to the Portal, including but not limited to financial affidavits, court filings, attorney correspondence, retainer statements, signed funding agreements and related instruments, and other materials submitted in support of an inquiry, an application, an underwriting evaluation, or the ongoing servicing of a funded case.
Electronic signature data, including signature blocks, audit certificates, and completion confirmations produced by our e-signature service provider in connection with funding documents executed through the Portal.
Communications with Settlemint, including the contents of email correspondence, messages submitted through the Site or Portal, and notes from telephone or video conversations to the extent recorded with consent.
Other information you choose to provide when you contact us, complete a form, apply for funding, or otherwise interact with us.
2.2 Information Collected Automatically
When you access or use the Services, we and our service providers may automatically collect certain information, which may include:
Device and browser information, such as your IP address, device identifiers, operating system, browser type, language preferences, and time zone.
Usage information, such as the pages and screens you view, the time and date of your activity, the referring URL, the actions you take in the Services, and events logged by the Portal in connection with attestations, signatures, and case milestones.
Audit and security log data, including IP address, user agent, and time-stamped records of access events, account creation, role-based authentication, compliance attestations (which are version-locked at the time of acceptance), document uploads, document classifications, electronic signature events (envelope sent, viewed, signed, declined), invoice request events, invoice review decisions, and case status transitions. We retain these audit records for security, compliance, audit, and dispute-resolution purposes.
Cookies, pixels, web beacons, log files, and similar tracking technologies, as further described in Section 7.
We may also convert personal information into non-personal information by excluding information that is personally identifiable. You acknowledge that non-personal information and personal information that is converted into non-personal information belongs to Settlemint and that Settlemint has the right to use such general information as it determines in its sole discretion.
2.3 Information from Third Parties
We may receive information about you from third parties, including:
Attorneys who refer Clients to Settlemint or who represent Clients in their underlying matrimonial proceedings (information about the Client, the proceeding, and the attorney's firm).
Consumer reporting agencies, with your separate written authorization, in connection with our underwriting and eligibility evaluation.
Public records, including court filings and similar publicly available materials, in connection with our underwriting and servicing.
Our service providers, including the providers identified in Section 6 below, in the ordinary course of providing services to Settlemint.
Documents uploaded to the Services may incidentally contain personal information about third parties (including spouses, children of the parties, opposing counsel, judges, and other persons referenced in legal filings or financial disclosures). We process such information solely for the purposes for which it was submitted to us.
3. Sensitive Personal Information
Certain categories of information we collect may constitute "sensitive personal information" or similar terms under applicable state privacy laws (including, for example, the California Privacy Rights Act, the Virginia Consumer Data Protection Act, and the Colorado Privacy Act). The categories of sensitive personal information we may collect, by virtue of the nature of our services, include:
Financial account information and financial-disclosure data submitted in connection with the underlying matrimonial proceeding.
Government identifiers (Social Security number, where applicable to a credit inquiry).
Information concerning marital status, family circumstances, and matters that may indirectly disclose religious or other protected categories to the extent reflected in court filings or related documents.
We do not use or disclose sensitive personal information for purposes other than those for which the information was provided, those reasonably necessary for performing the funding services and our related compliance and audit obligations, and as otherwise permitted by applicable law. We do not sell or share sensitive personal information.
4. How We Use Your Information
We use the information we collect for the following purposes:
To evaluate eligibility for funding, conduct underwriting, and make funding decisions.
To establish, fund, service, audit, and administer funding transactions and the related funding documents.
To operate the Portal and the Services, including providing role-based access, managing user accounts, processing document uploads, facilitating electronic signatures, and recording case milestones.
To communicate with Clients, attorneys, and other authorized users about their inquiries, applications, funded cases, the Services, and other matters related to their relationship with Settlemint.
To perform automated analysis of documents and case data, including the use of third-party artificial-intelligence and machine-learning services to assist with information extraction, document classification, and other case-management tasks (see Section 5 below).
To meet regulatory, compliance, audit, and reporting obligations, including obligations to our institutional capital partners and applicable regulators.
To secure the Services, detect and respond to fraud, security incidents, and potential misuse, and to enforce our agreements and applicable law.
To improve and personalize the Services, conduct internal research and analytics, and develop new features.
For any other purpose disclosed to you at the time we collect the information, or with your consent.
5. Automated Processing and Artificial Intelligence
Settlemint uses third-party artificial-intelligence and machine-learning services (collectively, "AI Services") to support our underwriting, servicing, and case-management functions. Where applicable, the contents of documents and other information you submit through the Portal or otherwise may be processed by AI Services for purposes such as automated information extraction, document classification, summarization, and similar processing in support of human review and decision-making.
AI Services that process information on Settlemint's behalf are subject to contractual confidentiality and data-protection obligations consistent with this Privacy Policy. AI Services do not make funding decisions; all funding decisions are made by Settlemint personnel based on Settlemint's underwriting framework and policy. Under the commercial-API terms governing our use of AI Services, submitted content is not retained by the AI service provider for purposes of training or improving the provider's models, subject to standard short-term operational retention by the provider.
A current list of the AI Services and other subprocessors Settlemint uses is available on request at the contact address set forth in Section 20. We may update this list from time to time. Material changes to our use of AI Services will be reflected in this Privacy Policy.
6. How We Share Your Information
We do not sell your personal information. We do not share personal information for cross-context behavioral advertising. We may share your personal information with the following categories of recipients in the following circumstances:
6.1 Service Providers and Subprocessors
We share information with service providers that perform services on our behalf, subject to contractual obligations that restrict their use of the information to purposes consistent with this Privacy Policy. Categories of service providers include:
Cloud hosting and serverless compute providers.
Database providers (including providers of encrypted relational-database services).
Cloud file-storage providers used for private storage of uploaded documents.
Transactional email-delivery providers used for authentication and customer communications.
Artificial-intelligence and machine-learning service providers used in connection with the processing described in Section 5.
Electronic-signature service providers used in connection with executed funding documents.
Customer-relationship-management and case-management platforms.
Identity-verification and consumer-reporting service providers.
Analytics, performance-monitoring, and security service providers.
Professional advisors, including accountants, auditors, and counsel.
A current list of subprocessors used by Settlemint is available on request at the contact address set forth in Section 20.
6.2 Your Attorney and Independent Counsel
We may share information with the Client's attorney of record in the underlying matrimonial proceeding, and with any independent counsel separately retained in connection with our funding documents, with the Client's authorization, for purposes of administering the funding transaction.
6.3 Capital Partners
Settlemint operates its funding program through one or more institutional capital partners. We share information with such capital partners (and their advisors, auditors, and service providers) in connection with portfolio reporting, audits, compliance, and the administration of the financing facility under which Settlemint operates. Information shared with capital partners is subject to confidentiality obligations under our agreements with them.
6.4 Legal and Regulatory Requirements
We may disclose information to courts, regulators, law-enforcement authorities, and other governmental bodies (a) when required by applicable law, court order, subpoena, or other legal process; (b) to comply with our legal obligations; (c) to protect or enforce our rights or the rights of others; (d) to investigate, prevent, or take action regarding suspected fraud, illegal activity, or violations of our agreements with you; and (e) in connection with any regulatory or supervisory examination.
6.5 Business Transfers
We may disclose or transfer information in connection with any actual or contemplated merger, acquisition, financing, reorganization, sale of all or a portion of our business or assets, or other corporate transaction, or in connection with the preparation or due diligence for any such transaction.
6.6 With Your Consent
We may share information with other recipients with your consent, or as otherwise described to you at the time the information is collected.
6.7 Improve Customer Service
We use your information to help us communicate more effectively with inquiries and existing customers, and to respond to your customer service requests and support needs.
6.8 Personalize Your Experience
We may use information in the aggregate to understand how our users as a group use the Services and resources provided on the Site.
6.9 Improve the Site
We continually strive to improve our Site and the Services based on the information and feedback we receive from you.
6.10 Provide Products or Services and to Process Transactions
Except as otherwise expressly provided in this Privacy Policy, we will use Data for the purposes of fulfilling our duties and providing the Services. Settlemint may use non-personal information for statistical analysis, product development, research, or other purposes. We may use the information that you provide about yourself or that you have provided to our customers for the purpose of providing and fulfilling the Services. We do not share this information with outside parties except to the extent necessary to provide the Services.
6.11 Send Periodic Mail, Emails, and Surveys
The email address you provide for the Services will only be used to send you information, newsletters, surveys, and updates pertaining to the Services requested, provided, or that we think you may be interested in. It may also be used to respond to inquiries and/or other requests or questions.
6.12 Develop New Products or Services
We use your personal information and non-personal information for research and commercial purposes. The information we collect may be used to develop new products or Services. Except as otherwise provided in this Privacy Policy, we may use your personal information and non-personal information internally or, among other things, to offer our own or third-party products and Services. Only Settlemint, its affiliates, its subsidiaries, its suppliers, and contractors will have access to your personal information. Our subsidiaries, service providers, and contractors will be required to use any personal information we provide to them only for that intended purpose and subject to the terms of this Privacy Policy.
6.13 Fulfillment Obligations
Comply with contractual obligations, relevant industry standards, and our policies.
6.14 Marketing
Except as otherwise expressly provided for in this Privacy Policy or except as prohibited by applicable law, Settlemint may use your personal information and non-personal information to enhance its networking, marketing, social, and recruiting activities, and for other similar business purposes. Settlemint may also use your personal information and non-personal information to contact you on behalf of external business partners about a particular offering that may be of interest to you. In these cases, your personal information is not transferred to the third party. We may also use personal information to provide you information regarding new products or services or to post testimonials from you related to our products or services. Personal information is not shared with entities outside of Settlemint other than service providers who assist us in carrying out these business functions. Settlemint does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
6.15 Security
Mitigate fraud, enhance the security of the Site, and manage institutional risk.
6.16 Payment Processing
For processing payments related to the Services we provide you.
7. Cookies and Similar Technologies
We and our service providers may use cookies, pixels, web beacons, log files, and similar tracking technologies on the Services. Cookies are small data files placed on your device that allow the Services to recognize you, remember information about your visit, and operate properly.
On the Portal, certain cookies are necessary for authentication, session management, and the secure operation of the Services and cannot be disabled without preventing the Portal from functioning. On the Site, we may use additional cookies for analytics and similar purposes.
In general, we may use any of the four different types of cookies:
Strictly necessary cookies: These cookies are necessary to enable the basic features of the Site, including any of our applications, such as providing a secure login.
Functional cookies: These cookies allow our Site to remember your site preferences and choices you make on the Site. We also use functional cookies to facilitate navigation, to display content more effectively, and to personalize your experience.
Advertising cookies: Advertising cookies allow us to select which advertisements and offers you may like. We also use cookies to track online responses to advertisements and other marketing to better understand your interests so that we can present more relevant advertisements and messages to you.
Analytics cookies: Analytics cookies help us improve our website by collecting and reporting information on how you use it.
Settlemint does not currently respond to "Do Not Track" browser signals, but may do so in the future to the extent required by applicable law.
Disabling Cookies on Your Browser: Some browsers may allow you to manage the storage of cookies on your device. If supported by your browser, you may set your browser to refuse all cookies (or, sometimes all third-party cookies) or to alert you when a cookie is placed. However, if you select these settings, you may be unable to access certain parts of the Site or the online Services. Unless you have adjusted your browser setting to refuse cookies, the Site and online Services will issue cookies. For more information about how to manage your cookie preferences, use the "help" menu of your web browser or explore the customer support sections of your web browser. To opt out of all cookies or certain advertising cookies, visit the company website for your browser for instructions.
Opting Out of Personalized Ads: You can opt out of receiving personalized ads from advertisers and ad networks that are members of the Network Advertising Initiative ("NAI") or who follow the Digital Advertising Alliance ("DAA") Self-Regulatory Principles for Online Behavioral Advertising using their respective opt-out tools. The NAI's opt-out tool can be found at http://www.networkadvertising.org/choices and the DAA's opt-out tool can be found at http://www.aboutads.info/choices/.
In addition, your mobile devices may offer settings that enable you to make choices about the collection, use, or transfer of mobile app information for online behavioral advertising (for example, Apple iOS' Advertising ID and Google Android's Advertising ID). Please note that opting out does not prevent the display of all advertisements to you.
8. Data Security
Settlemint implements administrative, technical, and physical safeguards designed to protect the personal information we collect from unauthorized access, use, disclosure, alteration, and destruction. These safeguards include encryption of data in transit (over HTTPS) and at rest (through cloud-provider-managed encryption), role-based access controls (administrators, attorneys, and Clients have distinct permissions), audit logging of access and material events in the Portal, vendor-management controls, and periodic security review. However, no method of transmission over the Internet or method of electronic storage is fully secure. We cannot guarantee the absolute security of your information.
If you believe that your interaction with us is no longer secure, or that your information may have been compromised, please contact us at the address set forth in Section 20.
9. Data Retention
We retain personal information for as long as necessary to fulfill the purposes for which it was collected and to comply with applicable laws, regulations, professional standards, or our underlying contractual obligations. After the applicable retention period ends, we will securely dispose of the information.
10. Your Privacy Rights
Depending on your state of residence, you may have certain rights under applicable privacy laws regarding the personal information we hold about you. We provide the rights described below to the extent required by applicable law.
10.1 California Residents
If you are a California resident, you have rights under the California Consumer Privacy Act of 2018, as amended by the California Privacy Rights Act (collectively, the "CCPA"), including the right to know what personal information we have collected about you and how we have used and disclosed it; the right to request that we delete personal information; the right to request that we correct inaccurate personal information; the right to limit our use and disclosure of sensitive personal information; the right to opt out of any sale or sharing of personal information; and the right not to be subject to discrimination for exercising your rights.
Settlemint does not sell personal information for monetary or other valuable consideration. Settlemint does not share personal information for cross-context behavioral advertising. To exercise any of your CCPA rights, please contact us as described in Section 20. We will verify your request before responding.
10.2 New York Residents
If you are a New York resident, we comply with the New York Stop Hacks and Improve Electronic Data Security Act (the "SHIELD Act") and any other applicable New York privacy laws. We will provide notice of any data security breach as required by applicable law.
10.3 Texas Residents
If you are a Texas resident, you may have rights under the Texas Data Privacy and Security Act, including the right to know, the right to correct, the right to delete, the right to opt out of certain processing activities, and the right to appeal a decision on a privacy request. To exercise any of your rights, please contact us as described in Section 20.
10.4 Florida Residents
If you are a Florida resident, you may have rights under the Florida Digital Bill of Rights, to the extent it applies to Settlemint. To exercise any of your rights, please contact us as described in Section 20.
10.5 Virginia, Colorado, Connecticut, and Utah Residents
If you are a resident of Virginia (Virginia Consumer Data Protection Act), Colorado (Colorado Privacy Act), Connecticut (Connecticut Data Privacy Act), or Utah (Utah Consumer Privacy Act), you may have rights to access, delete, and correct your personal information; rights to data portability; rights to opt out of certain processing activities, including sale of personal information and targeted advertising; and (in some states) rights to appeal a decision on a privacy request. To exercise any of your rights, please contact us as described in Section 20.
10.6 Other State Rights
Residents of other states may have privacy rights under applicable state law. We will honor those rights to the extent required by applicable law. To exercise any rights you may have under applicable law, please contact us as described in Section 20.
10.7 Exercising Your Rights
To submit a request to exercise any privacy right available to you, please contact us at the address set forth in Section 20. We will verify your identity before processing your request, which may involve requesting additional information. We will respond to your request within the timeframes required by applicable law. We will not discriminate against you for exercising your rights.
11. Children's Privacy and Incidental Data
The Services are not directed to, intended for, or designed for individuals under 18 years of age. We do not knowingly accept account registrations or collect personal information directly from anyone under 18. If you believe that we have inadvertently collected personal information directly from a person under 18, please contact us promptly at the address set forth in Section 20 so that we may delete the information.
Documents uploaded to the Portal in connection with a matrimonial proceeding may incidentally contain information about the Client's children (for example, in custody, support, or parenting-plan filings). We process such incidental information solely for the purposes for which the documents were uploaded (underwriting, servicing, audit, and compliance) and do not use it for any other purpose.
12. California Shine the Light Act
Under Section 1798.83 of the California Civil Code, residents of California can obtain certain information about companies with whom they have an established business relationship. That information is about the personal information those companies have shared with third parties for direct marketing purposes during the preceding calendar year. The law requires companies to inform consumers about the categories of personal information shared with third parties, the names and addresses of those third parties, and examples of the services or products marketed by those third parties. To request a copy of the information disclosure provided by Settlemint under Section 1798.83 of the California Civil Code, please contact us via mail at the address set forth in Section 20.
13. Nevada Residents
Nevada law (SB 220) permits customers in Nevada to opt out of the sale of certain kinds of personal information. A sale under Nevada law is the transfer of this personal information to third parties for monetary consideration so these third parties can then re-sell or license the sold information. We do not sell your personal information to third parties as defined in Nevada law. If you are a Nevada resident and wish to opt out of the sale of your personal information, should we change our practices in the future, you must send a request by mail to the address set forth in Section 20.
14. CAN-SPAM Compliance Notice
Settlemint fully complies with the federal CAN-SPAM Act. You can always opt out of receipt of further email correspondence from us.
15. Third-Party Links and Services
The Services may contain links to third-party websites, applications, or services that we do not own or control. This Privacy Policy does not apply to those third parties, and we are not responsible for their privacy practices. We encourage you to review the privacy notices of any third party before providing information to that third party.
16. International Users
The Services are intended for residents of the United States. If you access the Services from outside the United States, you do so on your own initiative and are responsible for compliance with any applicable local laws. By using the Services or submitting information to us, you consent to the transfer of your information to, and the processing of your information in, the United States.
17. Changes to This Policy
We may update this Privacy Policy from time to time. When we do, we will revise the Effective Date at the top of this Privacy Policy. If we make any material changes, we will provide notice through the Services or by other appropriate means. Your continued use of the Services after any change to this Privacy Policy will constitute your acceptance of the change.
18. How to Submit a Request to Settlemint to Exercise Your Privacy Rights
You may submit your verifiable requests to Settlemint by emailing info@mysettlemint.com with the subject line "Personal Information Request," or by submitting your request at the mailing address set forth in Section 20.
To exercise any of your rights, please contact us as described in Section 20.
Unless otherwise provided for under applicable privacy law, only you, or someone legally authorized to act on your behalf, may make a verifiable request to your personal information. Unless otherwise provided for in applicable privacy law, we are not required to provide you with personal information more than twice in a 12-month period.
We will not be able to respond to your request to provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you or someone you are authorized to request and receive the personal information on behalf of.
Unless legally obligated to respond in a shorter timeframe, we will try to respond to your request within forty-five (45) days of receipt of your written request. If we require more time (up to 90 days), we will inform you of the extension period in writing. We will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request's receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance, specifically by electronic mail communication.
We may request specific information from you to help us confirm your identity and process your request. Applicable law may require or permit us to decline your request. If we decline your request, we will tell you why, subject to legal restrictions.
APPEALS: If you are a resident in a state that provides any of the rights set forth in Section 10 and Settlemint refuses to take action on your request related to any of the above specified rights or any other privacy related request, you may appeal Settlemint's refusal by emailing us at info@mysettlemint.com. We will inform you in writing of any action taken or not taken in response to your appeal within sixty (60) days of receiving your appeal. Our response will include a written explanation of the reason or reasons for our decision. If we deny your appeal, you may contact the attorney general in your state to file a complaint.
To submit an appeal, email us the basis for your appeal at info@mysettlemint.com. Please include the following information in your email:
Name
Address
Email Address
What you are seeking
Basis for your appeal
California: To file a complaint with the California Privacy Protection Agency, please visit https://cppa.ca.gov.
Texas: To file a complaint with the Texas Attorney General, please visit https://www.texasattorneygeneral.gov/consumer-protection/file-consumer-complaint and complete the "Privacy Complaint Form."
19. Amendments
Settlemint reserves the right to change this Privacy Policy from time to time in its sole discretion with or without notice. Revisions to this Privacy Policy regarding the use of personal information are not retroactive.
20. Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, if you wish to exercise any rights you may have under applicable law, or if you wish to request our current list of subprocessors, please contact us at:
Settlemint LLC
Attn: Privacy
551 Madison Avenue, Suite 1000
New York, NY 10022
Email: info@mysettlemint.com