Privacy Policy

Cerapex Corporation ("Cerapex," "we," "us," or "our") is committed to safeguarding your privacy. This Privacy Policy explains how we collect, use, store, share, and protect your personal information when you visit our website at cerapex.com, use our services, or communicate with us. By accessing our website or engaging our services, you agree to the practices described in this Privacy Policy.

We collect information necessary to provide and improve our medical bill advocacy and financial recovery services. The categories of information we collect include:

Identity

Full name, mailing address, email address, telephone number, and date of birth.

Financial

Details related to your medical bills, billing statements, account numbers with healthcare providers, insurance information, income documentation for hardship applications, and payment information for our service fees.

Communications

Records of correspondence between you and our team, including emails, SMS messages, phone calls, and uploaded documents.

Technical

IP address, browser type and version, operating system, device identifiers, pages visited on our website, referring URLs, and browsing behavior through cookies and similar tracking technologies.

SMS consent

Phone number, opt-in status, opt-in timestamp, and message interaction data for users who subscribe to our account notification SMS program.

We use the information collected for the following purposes:

• To provide, manage, and deliver our medical bill advocacy and financial recovery services
• To audit medical bills, negotiate with healthcare providers and collection agencies, and file hardship applications on your behalf
• To communicate with you regarding your case status, required documentation, settlement offers, and payment arrangements
• To send account notification SMS messages related to your active case, including case status updates, document upload reminders, settlement offer approvals, payment plan confirmations, credit score progress alerts, and verification codes
• To process payments for our services
• To improve our website, services, and customer experience
• To comply with legal and regulatory obligations
• To detect and prevent fraud or unauthorized access to our systems

SMS consent and phone numbers collected through our account notification program are used exclusively to deliver case-related and account-related notifications you have consented to receive from us. These include case status updates, document upload reminders, settlement offer approvals, payment plan confirmations, credit score progress alerts, and verification codes. This data is retained only for as long as necessary to fulfill the purposes described in this Privacy Policy or as required by law. Cerapex does not send promotional, marketing, or advertising messages via SMS.

Third-party service providers who assist us in delivering SMS messages, such as messaging platform providers, are contractually obligated to protect your information and are prohibited from using it for any purpose other than delivering messages on our behalf.

Our website uses cookies and similar technologies to enhance your browsing experience and gather analytical data. Cookies are small data files stored on your device that help us understand how visitors interact with our site. You may control cookie preferences through your browser settings. Disabling cookies may affect certain features of our website.

We implement commercially reasonable technical and organizational safeguards to protect your personal information against unauthorized access, alteration, disclosure, or destruction. These measures include encrypted data transmission, secure storage systems, access controls, and regular security assessments. However, no method of electronic transmission or storage is completely secure, and we cannot guarantee absolute security of your data.

We may share your personal information with the following categories of third parties, strictly as necessary to provide our services:

• Healthcare providers and hospital billing departments in connection with bill negotiations and hardship applications conducted on your behalf
• Collection agencies as part of debt resolution efforts you have authorized
• Credit reporting agencies in connection with credit repair and dispute services
• Service providers who assist with technology, analytics, payment processing, and communications
• Legal and regulatory authorities when required by law, court order, or governmental regulation

We do not sell your personal information to third parties for marketing or advertising purposes.

We retain your personal information for as long as reasonably necessary to provide our services, maintain records of completed cases, comply with our legal obligations, and resolve disputes. When your information is no longer needed for these purposes, we will securely delete or anonymize it in accordance with our data retention policies.