Privacy Policy

Last Updated: November 2025

Introduction

Kramer & Frank, P.C. (“we,” “us,” “our,” or “the Firm”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard information when you visit our website www.kramerandfrank.com (collectively, the “Website”).

Please read this Privacy Policy carefully. By using our Website, you consent to the practices described in this policy. If you do not agree with this policy, please do not use our Website.

Information We Collect

We may collect information about you in several ways:

1. Information You Provide to Us

We collect information that you voluntarily provide when you:

• Submit a contact form or inquiry through our Website
• Request information about our services
• Subscribe to newsletters or updates
• Communicate with us via email or phone
• Apply for employment
• Engage us for legal services

This information may include:

• Personal Identifiers: Name, email address, telephone number, mailing address
• Professional Information: Company name, job title, business contact information
• Financial Information: Account numbers, payment information (only when retained as a client)
• Debt-Related Information: Account details, creditor information, debt amounts (if you are a debtor)
• Legal Matter Details: Case-related information, documents, correspondence
• Communications: Any information you include in messages to us

2. Information Collected Automatically

When you visit our Website, we automatically collect certain information about your device and browsing activity, including:

• Device Information: IP address, browser type and version, operating system, device type
• Usage Data: Pages visited, time spent on pages, links clicked, referring website
• Location Data: General geographic location based on IP address
• Cookies: See “Cookies and Tracking Technologies” section below

3. Information from Third Parties

We may receive information about you from:

• Clients: Creditors who retain us to collect debts may provide information about debtors
• Credit Reporting Agencies: Credit reports and related information
• Public Records: Court records, property records, bankruptcy filings
• Skip Tracing Services: Address and contact information for debt collection purposes

How We Use Your Information

We use the information we collect for the following purposes:

Legal Services

• Providing legal representation and debt collection services
• Communicating with clients, debtors, and opposing parties
• Evaluating potential client matters and conflicts of interest
• Preparing legal documents, pleadings, and correspondence
• Complying with court orders and legal obligations

Website Operations

• Operating and maintaining our Website
• Responding to inquiries and providing customer service
• Processing contact form submissions

Debt Collection Activities

• Locating debtors and verifying contact information
• Communicating regarding outstanding debts
• Negotiating settlements and payment arrangements
• Filing lawsuits and obtaining judgments

Important: If you are a debtor, information we collect will be used to collect the debt owed to our client. This includes contacting you via telephone, email, text message, and postal mail, as permitted by law.

How We Share Your Information

We may share your information in the following circumstances:

• With Clients: We share information with our creditor clients regarding debt collection matters (case updates, payment information, etc.).
• With Service Providers: IT hosting, payment processors, skip tracing services, and document management systems.
• Legal Requirements: To comply with subpoenas, court orders, or government regulations.
• Business Transfers: In the event of a merger, acquisition, or sale of assets.

Cookies and Tracking Technologies

Our Website uses cookies and similar tracking technologies to enhance your experience.

Types of Cookies We Use

• Essential Cookies: Required for Website functionality (e.g., maintaining sessions).
• Analytics Cookies: Help us understand how visitors use our Website (e.g., Google Analytics).

Cookie Management

You can control cookies through your browser settings. Most browsers allow you to refuse or delete cookies, though this may affect Website functionality.

Data Security

We implement reasonable administrative, technical, and physical security measures to protect your information, including:

• Secure Socket Layer (SSL) encryption
• Firewalls and intrusion detection systems
• Password-protected access to systems
• Employee training on data privacy

Note: No method of internet transmission is 100% secure. You transmit information to us at your own risk.

Data Retention

We retain your information for as long as necessary to fulfill the purposes outlined in this Privacy Policy. For debt collection records, retention is typically 7-10 years after account closure or lawsuit resolution to comply with legal requirements.

Your Privacy Rights

Depending on your location, you may have rights regarding your personal information, including access, correction, and deletion.

California Residents (CCPA)

California residents have the right to know what personal information we collect and request deletion (subject to exceptions). To exercise rights, contact: [email protected].

European Union Residents (GDPR)

Residents of the EU have rights including access, rectification, and erasure. Note that our services are primarily U.S.-based.

Communications and Consent

How We May Contact You

By providing your contact information, you consent to receive communications from us via:

• Telephone calls (including those made with automated technology or prerecorded voice)
• Text messages (SMS/MMS)
• Emails
• Postal Mail

Purpose of Communications

We may contact you regarding:

• Responding to your inquiries
• Debt collection activities (if applicable)
• Legal representation matters
• Service-related notifications
• Payment reminders and account updates

Your Rights & SMS Consent

• Voluntary Consent: You are not required to provide consent to receive texts/calls as a condition of purchasing any goods or services.
• Costs & Frequency: Standard message and data rates may apply. Message frequency varies based on your account activity.
• Revocation: You may revoke your consent to receive calls or texts at any time by contacting us at (314) 991-1177 or replying “STOP” to any text message.

For Consumer Debtors (FDCPA)

If you are a consumer debtor, we will communicate with you in accordance with the Fair Debt Collection Practices Act (FDCPA) and other applicable laws. You have specific rights under these laws, including the right to request that we cease communication. Nothing in this policy overrides your rights under the FDCPA.

Email Communications

You may opt out of marketing emails or newsletters by:

• Clicking “unsubscribe” in the email footer
• Contacting us at [email protected]

Note: Opting out of marketing emails does not automatically stop transactional emails related to active legal matters or debt collection unless you specifically request a cease of all communication.

Attorney-Client Privilege

Attorney-client privilege does not apply until a formal attorney-client relationship is established. Information submitted through our Website or via email before retention is not necessarily privileged or confidential.

Contact Us

If you have questions about this Privacy Policy, please contact us:

Kramer & Frank, P.C.
Privacy Officer
11960 Westline Industrial Dr., Suite 180
St. Louis, MO 63146

Phone: (314) 991-1177
Fax: (314) 991-0485
Email: [email protected]