Acceptable Use Policy

You may not place accounts for collection that:

• You do not have a lawful right to collect, or cannot substantiate with documentation.
• Arise from illegal activity, including unlicensed lending, usurious loans, or transactions void under applicable law.
• Are known to be subject to an active bankruptcy stay, a cease-communication request, or a court order prohibiting collection.
• Have been discharged, paid, settled, or are otherwise not owed.
• Are time-barred in a jurisdiction that prohibits collection of time-barred debt, unless the platform's disclosure configuration is enabled and permitted.
• Belong to a debtor you know to be a minor, deceased without an estate, or otherwise legally incapable of being pursued.

You may not use the platform, or configure it, to:

• Harass, oppress, abuse, threaten, or deceive any person.
• Misrepresent the amount, character, or legal status of a debt, or the consequences of non-payment.
• Impersonate a government agency, law firm, credit bureau, or any other party, or imply affiliation you do not have.
• Contact debtors outside permitted hours, at prohibited frequencies, at their place of employment where prohibited, or after a cease request.
• Disclose a debt to third parties other than as permitted by law.
• Circumvent, disable, or override compliance engine controls, including by manipulating account data to evade rules.
• Collect amounts not authorized by the agreement creating the debt or permitted by law, including unauthorized fees or interest.
• Report inaccurate or unverifiable information to credit bureaus.
• Use debtor data for any purpose other than collecting the debt, including marketing, resale, or profiling.

• Do not upload data you are not authorized to share with HL Hunt.
• Do not include protected health information unless a Business Associate Agreement is in place.
• Do not include full payment card numbers, Social Security numbers, or government ID numbers in free-text fields; use the designated encrypted fields.
• Do not attempt to access data belonging to other clients or to test the security of the platform without written authorization from security@hlhunt.org.

• Do not reverse engineer, scrape, or extract the platform's models, rule sets, or content.
• Do not use the API in ways that degrade service for others, exceed documented rate limits, or bypass authentication.
• Do not resell access to the platform without a reseller agreement.

HL Hunt monitors platform activity for compliance with this policy. Violations may result in blocked actions, account suspension, termination, reporting to regulators where required by law, and cooperation with law enforcement. Where a violation exposes debtors to harm, we may notify affected debtors and take corrective action, including rescinding communications or credit reports.

Report suspected violations to compliance@hlhunt.org. Reports from debtors are reviewed within one business day.