Privacy Policy

Last Updated: October 23, 2023

Welcome and thank you for your interest in (“Site"). The Site is the property of Lead Cactus, LLC (”Lead Cactus", "we," "us" or "our").

This Privacy Policy applies to this Site and any other site and mobile apps owned and operated by Lead Cactus, LLC and its wholly owned affiliates (collectively “Lead Cactus”, “we”, “our” or “us”).

This Policy is provided to communicate how we and our affiliates collect, protect, use, share and retain your personal information when visiting our Site.

Please read this Policy before using our Site, as continued navigation constitutes your agreement to the terms of this policy.

Changes to this Privacy Policy

Lead Cactus reserves the right to update this privacy policy at any time. When we make changes, we will revise the date at the top of this page. Changes will be effective when posted unless otherwise indicated. We encourage you to check this page periodically to stay informed about how we help provide the information we collect.

Personal Information We Collect

For the purposes of this Privacy Policy, "personal information" shall mean individually identifiable information from or about an individual.

We collect personal information from you when you visit, interact or register on our website and apps, respond to an advertisement on third-party websites, or call us. We may collect the following information:

  • Information you provide: email address, full name, telephone number, date of birth, address, employment, salary, etc.
  • Information from third parties: credit reporting data (accounts, pay history, balances), lead generation data.
  • Participation in contests or surveys: we collect personal information such as name, address, email address, and phone number when you participate in contests or fill out surveys sponsored by us or our affiliates.
  • Information from cookies or other tracking technologies.

You may choose to set your web browser to notify you when you receive a cookie or refuse cookies altogether. If you do so, some parts of the Site may not function as intended.

Internet, Device, or Other Activity

We may collect certain non-personally identifiable information about you and your desktop computer, tablet, or mobile device when you visit the Site. This non-personally identifiable information includes, without limitation, the type of browser that you use, your IP address, the type of operating system that you use, and the domain name of your Internet service provider.

Referring Exit Pages/Advertising

Lead Cactus, as well as third-party entities such as Google®, use cookies, pixels, and other tracking technology in connection with the Site for purposes of tracking Users’ activities.

Use of Your Personal Information

Information we gather from you or third parties is used to:

  • Inform you about products or services we think you will be interested in.
  • Facilitate the use of our Site.
  • Improve our Site, product offerings, or services, or the services of our service providers.
  • Consider you for the products/services we offer.
  • Verify your eligibility, identity.
  • Contact you regarding your inquiry, account, or employment opportunities.
  • Process payments on your behalf.
  • Create and maintain login information for our Site.
  • Monitor, conduct, improve analytics on our products, services, and offerings.
  • Internal administrative, security, relationship management.
  • Send push notifications.
  • Detect and protect against security incidents, malicious, deceptive, fraudulent, or illegal activity.

Sharing your Personal Information

Lead Cactus may share your personal information with its own affiliates and non-affiliated third parties as provided below.

Lead Cactus shares your personal information with its own affiliates to consider you or market to you their products and services.

Lead Cactus may provide your information to non-affiliated third-party service providers who perform certain functions on our behalf.

Lead Cactus may share your personal information with the following non-affiliated third parties:

  • Financial services companies for marketing purposes as permitted by law.
  • Auditors, examiners, law enforcement.
  • Credit reporting agencies.

Protecting your Personal Information

Lead Cactus takes the privacy and security of our visitors’ and members’ personal information seriously. We maintain industry-standard technical and physical safeguards designed to safeguard your information.

Please be advised, however, that while we take every reasonable precaution available to protect your data, no storage facility, technology, software, security protocols, or data transmission over the internet or wireless networks can be guaranteed to be 100% secure.

You can also take precautions to keep your information safe.

Third-Party Websites

This Site may contain links to third-party owned and/or operated websites. We are not responsible for the privacy practices or the content of those websites/companies.


Lead Cactus’s site is not directed or intended for individuals under 18 and does not knowingly solicit or collect information from visitors under 18.

Visiting our Website from Outside the United States

The Site is intended to provide products and services inside the U.S and is governed by the laws of the U.S. If you are visiting the Site from outside the U.S., your communication with us may result in the transfer of your information to leave your country.

Changing or Updating your Information

Lead Cactus relies on you to update and correct your personal information. If you find that our information about you is incorrect or incomplete and our Site does not permit you to update or correct certain information, contact us:

Opt Out/Unsubscribe

You may opt out of some promotional or information sharing options in the following ways:

  • Promotional emails: To opt out of receiving emails from us, you can click on “unsubscribe” in the footer of any email message, or email us at: [email protected].
  • Information Sharing: To opt out of information sharing, you can email us at [email protected].
  • Text message/Push Notifications: To opt out of text/push notifications, you can reply “STOP” to the notification, or you can call/email us as noted above.

Notice to California Residents

This section applies solely to California residents and supplements, and in no way limits, the Privacy Policy set forth above.

Continue the text with the remaining California-specific information, rights, and provisions. The content here should adhere to the California Consumer Privacy Act of 2018 (CCPA) and provide details about the collection, use, and rights of California residents concerning their personal information.

Please note that the above information is a template, and it's essential to consult with legal professionals to ensure compliance with specific regulations and laws.

Privacy Notice - California

Last Updated: December 2023

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in the Privacy Policy of Lead Cactus LLC dba Kangaroo Debt and its affiliates (collectively, “we,” “us,” or “our”) and applies solely to visitors, users, households and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 and other California privacy laws, including the California Privacy Rights Act (collective, the “CCPA”). Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, the chart below depicts the categories of personal information relating to consumers we have collected within the last twelve (12) months:

Category Examples Collected

A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security number, driver's license number, passport number, or other similar identifiers. YES

B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. YES

C. Protected classification characteristics under California or federal law. Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status, genetic information (including familial genetic information). YES

D. Commercial information. Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies. YES

E. Biometric information. Genetic, physiological, behavioral, and biological characteristics, or activity patterns used to extract a template or other identifier or identifying information, such as, fingerprints, faceprints, and voiceprints, iris or retina scans, keystroke, gait, or other physical patterns, and sleep, health, or exercise data. NO for customers. YES for certain employees

F. Internet or other similar network activity. Browsing history, search history, information on a consumer's interaction with a website, application, or advertisement. YES

G. Geolocation data Physical location or movements. YES

H. Sensory data. Audio, electronic, visual, thermal, olfactory, or similar information. YES

I. Professional or employment-related information. Current or past job history or performance evaluations. YES

J. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. NO

K. Inferences drawn from other personal information. Profile reflecting a person's preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes. YES

Personal information does not include:

Publicly available information from government records. De-identified or aggregated consumer information. Information excluded from the CCPA's scope, like: health or medical information covered by the Health Insurance Portability andAccountability Act of 1996 (HIPAA) and the California Confidentiality ofMedical Information Act (CMIA) or clinical trial data; personal information covered by certain sector-specific privacy laws, includingthe Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) orCalifornia Financial Information Privacy Act (FIPA), and the Driver's PrivacyProtection Act of 1994.

We obtain the categories of personal information listed above from the following categories of sources:

Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us. Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them. Directly and indirectly from activity on our website ( For example, from submissions through our website portal or website usage details collected automatically. From third-parties that interact with us in connection with the services we perform. For example, from affiliate marketers who place ads and forward activity to us or from credit reporting agencies (“CRA”). Information that is publicly available online or elsewhere and Employees and job applicants

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us assist you in debt settlement activities.

To provide you with information, products or services that you request from us.

To provide you with email alerts, newsletters and other notices concerning our products or services, or events or news, that may be of interest to you.

To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for billing and collections.

To assist you in identifying appropriate resources if we cannot serve you for any of a number of reasons including, but not limited to, inability to operate in the state of request or lack of eligible debt.

To provide a third party with qualified leads for a program that they may administer.

To improve our website and present its contents to you.

For testing, research, analysis and product development.

To conduct audit, compliance or other legal work associated with our business.

To perform financial reporting and accounting and other general business administration.

To assess third party vendors and services providers.

As necessary or appropriate to protect the rights, property or safety of us, our customers or others.

To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.

To evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal information held by us is among the assets transferred.

Sharing Personal Information

We may disclose your personal information to a third party for a business purpose. When we disclose personal information for a business purpose, we enter a contract that describes the purpose and requires the recipient to both keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:

  • Category A: Identifiers.
  • Category B: California Customer Records personal information categories.
  • Category C: Protected classification characteristics under California or federal law.
  • Category D: Commercial information.
  • Category E: Biometric data.
  • Category F: Internet or other similar network activity.
  • Category I: Professional or employment-related information.
  • Category K: Inferences drawn from other personal information.
  • Category L: Sensitive Personal Information.

We disclose your personal information for a business purpose to the following categories of third parties:

Our affiliates.
Service providers.
Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
We may also disclose your personal information to a third party for a commercial purpose. When we disclose personal information for a commercial purpose, which may include providing your information to a provider which can assist you, we have a compensatory relationship which requires the recipient to abide by data privacy regulations and not use it for any purpose except as described.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a commercial purpose:

  • Category A: Identifiers.
  • Category B: California Customer Records personal information categories.
  • Category D: Commercial information.

We disclose your personal information for a commercial purpose to the following categories of third parties:

Our affiliates
Corporate credit facility lenders
Service providers
Other third parties including marketers
Rights and Limitations on Use of Personal Information
You have the right to limit the use or disclosure of certain personal information, including “sensitive personal information.” Sensitive personal information is any information that reveals a consumer’s SSN, driver’s license number, or passport number, account credentials, precise geolocation, racial and ethnic origin, religious beliefs, biometric data, personal information concerning a consumer’s health or sex life or sexual orientation, as well as contents of a consumer’s mail, e-mail and text messages. As an employer, we intend to retain each category of personal information for two years after you cease employement or from the time you submitted your information for employement, whichever is longer, or for such time as required by law (if such time frame is longer).

In addition, with certain exceptions, you have the right to delete, know, correct, access, and request a copy of your personal information to move it elsewhere. In no event shall we discriminate based on such requests.

Changes to this Privacy Notice

We reserve the right to amend this privacy notice at our discretion and at any time. When we make changes to this privacy notice, we will notify you here, by means of a notice on our homepage and/or any other acceptable means.

Contact Information

If you have any questions or comments about this notice, our Privacy Policy, the ways in which we collect and use your personal information, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: [email protected]