Last updated: June 15, 2026
1. Introduction
TwoPointZero NY Inc. (“TwoPointZero,” “we,” “us,” or “our”) is a debt settlement company based in Brooklyn, New York. We are committed to protecting the privacy of our clients, former clients, and website visitors. This Privacy Policy explains what personal information we collect, how we collect and use it, how we obtain and document your consent, how we protect and share it, and the choices available to you.
2. Information We Collect
Depending on your relationship with us, we may collect the following categories of personal information:
- Contact information: name, email address, mailing address, and telephone number.
- Financial and account information (clients and former clients only): information about debts, creditors, account balances, payment history, and other details necessary to provide debt settlement services.
- Communications: records of your correspondence with us, including notes from phone calls and submitted forms.
- Website and technical data: information such as IP address, browser type, and basic usage data collected automatically when you visit tpzny.com.
We do not request or store sensitive financial credentials such as full bank account or payment card numbers through our website forms.
3. How We Collect Information
From existing and former clients. We collect information directly from current and former clients through verbal intake (for example, during phone consultations) and through written intake forms completed as part of providing or having provided debt settlement services.
From new contacts via our website. We collect information from prospective contacts and newsletter subscribers through the dedicated newsletter opt-in form on tpzny.com, where you voluntarily provide your name and email address.
Automatically. We collect limited technical data through standard website technologies when you browse our site.
4. Consent and Proof of Consent
We send marketing and educational emails, including our monthly newsletter, only to individuals who have provided express, opt-in consent.
At the point of subscription, our newsletter opt-in form presents a separate, unchecked consent checkbox that the subscriber must affirmatively select. Consent for newsletter communications is requested distinctly and is never bundled with any other agreement or made a condition of receiving services.
To maintain a verifiable record of consent, our email service provider automatically captures and stores, for each subscription, the following: the email address provided, the date and time (timestamp) the consent was given, the IP address associated with the submission, the source or page where the opt-in occurred, and the exact wording of the consent language displayed at the time of sign-up. These records are retained for as long as the individual remains subscribed and for a reasonable period thereafter to demonstrate compliance, and they are accessible only to authorized personnel. This documentation allows us to confirm when, where, and how each subscriber consented.
5. How We Use Your Information
- Provide, manage, and support debt settlement services for clients and former clients;
- Send our monthly educational newsletter covering credit card debt statistics, FCRA consumer rights, credit report errors, and general financial guidance, to individuals who have opted in;
- Respond to inquiries and communications;
- Maintain records of consent and comply with applicable legal and regulatory obligations;
- Operate, secure, and improve our website.
We do not use newsletter subscriber email addresses for any purpose other than those described here without obtaining additional consent.
6. How We Protect Your Information
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, or disclosure. Access to personal information is limited to personnel who need it to perform their duties. While we take these measures seriously, no method of transmission or storage is completely secure, and we cannot guarantee absolute security.
7. How We Share and Disclose Information
We do not sell, rent, or trade your personal information, including newsletter subscriber email addresses. We may share personal information only in the following limited circumstances:
- Service providers: with trusted third parties who perform services on our behalf (such as our email service provider or IT vendors), under contractual obligations to protect your information and use it only as directed;
- Legal requirements: when required by law, regulation, subpoena, or other valid legal process, or to protect our rights, safety, or property;
- Business transfers: in connection with a merger, acquisition, or sale of assets, subject to the protections described in this policy.
8. Your Choices: Opt-Out and Withdrawing Consent
You may withdraw your consent or opt out of communications at any time:
- Newsletter: Click the “unsubscribe” link included at the bottom of every newsletter email, or contact us using the details below to be removed.
- Other communications and data sharing: Contact us to request that we stop sending communications or limit the sharing of your information where applicable.
We will honor opt-out and withdrawal requests promptly. Withdrawing consent for marketing communications will not affect the services we provide to current clients.
9. Data Retention
We retain personal information for as long as necessary to fulfill the purposes described in this policy, to provide services, to maintain proof of consent, and to comply with our legal obligations, after which it is securely deleted or anonymized.
10. Changes to This Policy
We may update this Privacy Policy from time to time. Material changes will be posted on this page with a revised “Last updated” date.
11. Contact Us
If you have questions about this Privacy Policy or wish to exercise any of your choices, contact us at:
TwoPointZero NY Inc.
544 Park Ave, Suite 202
Brooklyn, NY 11205
Email: info@tpzny.com
Phone: 718-287-1515