Consent Disclosure

Purpose of This Disclosure

This Consent Disclosure explains what information we collect when you use our bankruptcy assessment questionnaire, how we use that information, and your rights regarding your data. Please read this carefully before providing any information.

Information We Collect

Required Information

To provide you with preliminary bankruptcy guidance, we collect:

• Contact Information: Your email address for communication
• Location: Your state and optionally your county (Utah only for this service)
• Household Information: Household size and marital status
• Financial Snapshot: Income range, debt range, and employment status
• Situation Details: Information about missed payments, wage garnishment, and property concerns
• Additional Notes: Any additional information you choose to provide

Optional Financial Account Information

With your separate, explicit consent, we may access limited financial account information through Plaid, Inc. to provide more accurate assessments. This is entirely optional and you may skip this step.

If you choose to connect your financial accounts through Plaid, we will access:

• Transaction summaries: Aggregate income and expense data (not individual transactions)
• Identity information: Name and contact information associated with accounts
• Account balances: Current balance information

We do NOT access or store:

• Your account credentials or passwords
• Individual transaction details
• Social Security numbers
• Account numbers (except as provided by Plaid for identification)

How We Use Your Information

We use the information you provide to:

1. Provide Preliminary Assessment: Evaluate your potential eligibility for bankruptcy relief based on Utah law
2. Contact You: Reach out via email to discuss your situation and next steps
3. Match You with an Attorney: Connect you with a qualified bankruptcy attorney in Utah
4. Send Confirmation: Email you a confirmation that we received your information
5. Improve Our Services: Analyze aggregate data to improve our questionnaire and services

Minimum Necessary Principle

We collect only the minimum information necessary to provide meaningful preliminary bankruptcy guidance. We do not request:

• Your full name (only email for contact)
• Your physical address (only state/county for jurisdictional purposes)
• Your Social Security number
• Specific account numbers or creditor details
• Exact dollar amounts (we use ranges instead)

This approach protects your privacy while still allowing us to provide useful preliminary information.

Who Has Access to Your Information

Internal Use

Your information is accessed by:

• Licensed attorneys at Lincoln Law
• Administrative staff necessary for processing your inquiry

Service Providers

We share limited information with trusted service providers who assist in operating our services:

• Mailgun: Email delivery service (receives your email address and name)
• Plaid: Financial data aggregation (only if you opt-in to connect accounts)
• AWS (Amazon Web Services): Secure hosting infrastructure

These providers are contractually bound to protect your information and use it only for the purposes we specify.

We Do NOT:

• Sell your information to third parties
• Share your information with marketers or advertisers
• Use your information for purposes unrelated to legal services
• Disclose your information without your consent (except as required by law)

Data Security

We implement industry-standard security measures to protect your information:

• Encryption: All data is encrypted in transit (TLS/SSL) and at rest
• Access Controls: Strict access controls limit who can view your information
• Secure Storage: Data is stored on secure, access-controlled servers
• Logging: We maintain audit logs but redact personally identifiable information
• Regular Security Reviews: Our systems are regularly assessed for vulnerabilities

Special protections for Plaid data:

• Plaid access tokens are stored server-side only and never exposed to your browser
• Tokens are encrypted at rest
• We never log or store raw financial transaction data
• Only summary statistics are retained

Your Consent and Rights

What You're Consenting To

By checking the consent boxes and submitting the questionnaire, you consent to:

1. Collection of the information described above
2. Use of your information to provide preliminary bankruptcy assessments
3. Storage of your information in accordance with our Privacy Policy
4. Contact from Lincoln Law regarding your inquiry
5. Sharing of information with service providers as described

Your Rights

You have the right to:

• Withdraw Consent: Contact us at any time to withdraw your consent
• Access Your Data: Request a copy of the information we have about you
• Correct Information: Request correction of inaccurate information
• Delete Information: Request deletion of your information
• Revoke Plaid Access: Disconnect your Plaid link at any time
• Opt Out of Communications: Unsubscribe from our emails at any time

To exercise these rights, contact us at privacy@lincolnlaw.example.com or (123) 456-7890.

Important Disclaimers

Data Retention

We retain your information for as long as necessary to:

• Provide you with our services
• Comply with legal and regulatory requirements
• Resolve disputes
• Maintain an ongoing relationship with you

If you request deletion of your information, we will delete it within 30 days, except where retention is required by law.

Questions or Concerns

If you have questions about this consent disclosure or how we handle your information, please contact us:

Consent Acknowledgment