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Privacy Policy

Effective Date: January 1, 2025

Eterna Claims Group ("Company," "we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our services.

1. Information We Collect

Personal Information

We may collect the following types of personal information:

• Contact Information: Name, email address, phone number, mailing address
• Identity Information: Government-issued ID, date of birth, Social Security Number (last 4 digits only)
• Business Information: Company name, title, Tax Identification Number (EIN)
• Financial Information: Bank account details for payment processing
• Claim Information: Bankruptcy case details, claim amounts, supporting documentation

Automatically Collected Information

When you access our portal, we automatically collect:

• IP address and device information
• Browser type and settings
• Access times and pages viewed
• Referring website information

2. How We Use Your Information

We use your information to:

• Process and evaluate claim purchase transactions
• Verify your identity and authority to act
• Comply with legal and regulatory requirements
• Communicate with you about your transaction
• Prevent fraud and enhance security
• Improve our services
• Generate required tax documentation

3. Identity Verification

4. Information Sharing

We may share your information with:

• Service Providers: Third parties who perform services on our behalf (identity verification, payment processing, e-signature services)
• Legal Requirements: When required by law, court order, or government authority
• Bankruptcy Courts: As necessary for filing claim transfers
• Professional Advisors: Attorneys, accountants, and other advisors
• Business Transfers: In connection with any merger, acquisition, or sale of company assets

5. Data Security

We implement appropriate technical and organizational measures to protect your personal information, including:

• Encryption of data in transit and at rest
• Access controls and authentication requirements
• Regular security assessments
• Employee training on data protection

6. Data Retention

We retain personal information only as long as necessary to (a) operate the portal and process claim purchase inquiries, (b) comply with legal and regulatory obligations, (c) prevent fraud and enforce our agreements, and (d) resolve disputes.

Retention periods vary by data type:

• Account and portal activity: Generally retained for up to 24 months for security, fraud prevention, and operational recordkeeping.
• Unfinished submissions: If you begin but do not complete the intake process, we generally delete or de-identify the information within 90 days, unless retention is required for security or legal reasons.
• Executed agreements and transaction records: If a transaction is completed, we retain executed agreements and related transaction records for up to 7 years to support compliance, accounting, and dispute resolution.

Where possible, we de-identify information instead of retaining it in identifiable form.

7. Your Rights

Depending on your location, you may have the right to:

• Access your personal information
• Correct inaccurate information
• Request deletion of your information (subject to legal retention requirements)
• Opt-out of certain data processing
• Receive a copy of your data in a portable format

8. California Privacy Rights

California residents have additional rights under the California Consumer Privacy Act (CCPA), including the right to know what personal information we collect and how it is used, and the right to request deletion of personal information.

9. Children's Privacy

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website with an updated effective date.