Subprocessors

Amazon Web Services (US regions)

Cloud hosting, storage, and database infrastructure for the platform and encrypted debtor data.

Vercel

Hosting and delivery of the public website, documentation, and debtor payment portal front end.

Cloudflare

DNS, DDoS protection, and web application firewall.

Twilio

SMS delivery, voice telephony, and number provisioning for compliant outbound and inbound communication.

SendGrid

Email delivery for debtor communications and client notifications.

Lob

Printing and mailing of validation notices and collection letters, including address verification.

Vercel AI Gateway

Routing of model requests for conversation and negotiation under zero-retention terms; no training on client data.

Deepgram

Speech-to-text and text-to-speech for the AI voice agent.

Stripe

Card and ACH payment processing for debtor payments; PCI DSS Level 1.

Plaid

Optional bank account verification for ACH payments.

LexisNexis Risk Solutions

Skip tracing, bankruptcy scrubs, and deceased screening under permissible purpose.

Experian, Equifax, TransUnion

Credit reporting (Metro 2) and dispute processing (e-OSCAR) when credit reporting is enabled.

Department of Defense DMDC

Servicemembers Civil Relief Act status verification.

Datadog

Application monitoring and logging; debtor data is redacted from logs.

Intercom

Client support messaging within the dashboard.

Stripe Billing

Client subscription and commission invoicing.

Subscribe to subprocessor notifications in your dashboard under Settings, Legal. Objections to a new subprocessor may be raised within the notice period; if we cannot address the objection, you may terminate the affected service without penalty.