Terms and Conditions Terms of Use and Legal Disclosures The following terms and conditions (“Terms and Conditions”) govern your use of the website located at https://ddrcollect.com (the “Website”). This Website is owned and operated by Delta Direct Recovery (“DDR,” “we,” “us,” or “our”). By accessing, viewing, or using the content, materials, or services available on or through this Website, you acknowledge that you have read, understand, and agree to be legally bound by these Terms and Conditions. If you do not agree to these Terms and Conditions, you are not granted permission to use this Website and must discontinue use immediately. Delta Direct Recovery reserves the right to change, modify, or update these Terms and Conditions at any time without prior notice. When updates are made, the revised Terms will be posted on this Website and will become effective immediately upon posting. Your continued use of the Website after any modifications constitutes acceptance of the revised Terms. It is the responsibility of visitors to review these Terms periodically to stay informed of updates. This Website has been prepared for the purpose of providing general information about Delta Direct Recovery and the services offered by the company. Information presented on this Website may be changed, updated, or removed at any time without notice. While Delta Direct Recovery strives to provide accurate and current information, we make no guarantees regarding the completeness, accuracy, reliability, or availability of any information provided on this Website. Delta Direct Recovery disclaims any duty to update the Website or the information contained on it and shall not be responsible for any errors or omissions in the content of the Website. Copyright and Other Proprietary Information: All Website content, including text, graphics, logos, icons, images, design elements, layout, and arrangement of content are the property of Delta Direct Recovery or its licensors and are protected by copyright, trademark, and other intellectual property laws. All rights are reserved. Permission is granted to download and print materials from this Website solely for personal, informational, and non-commercial use. Any other reproduction, distribution, modification, display, transmission, publication, or creation of derivative works from Website materials without the prior written permission of Delta Direct Recovery is strictly prohibited. Removing or altering any copyright notice or proprietary notice from Website materials is also prohibited. All trademarks, service marks, logos, trade names, symbols, and slogans appearing on this Website are proprietary to Delta Direct Recovery or their respective owners. Unauthorized use of these marks may violate federal and state trademark laws. Delta Direct Recovery welcomes feedback and suggestions regarding our Website and services. By submitting suggestions, feedback, or other materials (“Submissions”) to Delta Direct Recovery through this Website, you grant Delta Direct Recovery a perpetual, irrevocable, royalty-free, non-exclusive license to use, reproduce, modify, publish, distribute, or otherwise utilize such Submissions for any lawful purpose. Delta Direct Recovery is not obligated to maintain the confidentiality of any submissions unless otherwise required by law. Disclaimers; Disclaimer Regarding Other Websites: This Website and all materials, services, and information provided through it are made available on an “as is” and “as available” basis. Use of the Website is at your own risk. Delta Direct Recovery makes no representations or warranties of any kind, whether express or implied, regarding the Website or its contents, including but not limited to warranties of accuracy, merchantability, fitness for a particular purpose, availability, reliability, or non-infringement. To the fullest extent permitted by law, Delta Direct Recovery disclaims all such warranties. Delta Direct Recovery shall not be liable for any direct, indirect, incidental, consequential, punitive, or special damages arising out of or related to the use of, inability to use, or reliance on information contained on this Website, even if Delta Direct Recovery has been advised of the possibility of such damages. Links to third-party websites may be provided for convenience. Delta Direct Recovery does not control or endorse any third-party websites and is not responsible for their content, services, or privacy practices. Users who choose to access third-party websites do so at their own risk. Privacy Statement: Delta Direct Recovery maintains a Privacy Policy that describes how information is collected, used, and protected when visitors interact with this Website. The Privacy Policy is incorporated into these Terms and Conditions by reference as if fully stated herein. Governing Law and Jurisdiction: These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Texas and applicable laws of the United States, without regard to conflict of law principles. Any disputes arising from or related to the use of this Website shall be resolved in the state or federal courts located within the State of Texas. By accessing this Website, you consent to the jurisdiction of such courts and agree to accept service of process by lawful means. This Website is controlled and operated by Delta Direct Recovery from within the United States. Delta Direct Recovery makes no representation that the materials or services available on this Website are appropriate or available for use in other jurisdictions. Individuals who access the Website from locations outside the United States do so at their own initiative and are responsible for compliance with applicable local laws. The failure of Delta Direct Recovery to enforce any right or provision of these Terms shall not be considered a waiver of that right or provision. If any portion of these Terms is determined to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Delta Direct Recovery reserves the right to terminate or restrict access to this Website at any time, with or without notice, if a user violates these Terms and Conditions or engages in conduct that Delta Direct Recovery determines to be harmful to the Website or its operations. These Terms and Conditions, together with the Privacy Policy and any other legal notices posted on the Website, constitute the entire agreement between you and Delta Direct Recovery regarding the use of this Website. For questions regarding these Terms and Conditions, you may contact Delta Direct Recovery at 325 N St Paul St Suite 3100 Dallas, Texas 75201 or by phone at (800) 216-6852 or through the Website at https://ddrcollect.com.