1. Who we are and what these terms cover

This website, adamparks.com (the “Site”), is operated by Adam Parks Inc, a Florida Corporation (“we,” “us,” or “our”). The Site is the professional home of Adam Parks: his research, writing, policy positions, podcast curation, and speaking practice.

By accessing or using the Site, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, do not use the Site. These terms apply to all visitors, including individuals acting on behalf of organizations, in which case “you” includes that organization.

2. Changes to these terms

We may update these terms from time to time. The effective date above reflects the most recent version. Material changes will be indicated by updating that date; continued use of the Site after a change takes effect constitutes acceptance. We keep prior versions on request through the legal notices contact in Section 22.

3. Our content and your license to use it

The Site and its contents, including text, articles, research summaries, graphics, charts, photographs, audio and video embeds, page designs, and the selection and arrangement of all of these, are owned by us or our licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a limited, revocable, non-exclusive, non-transferable license to access the Site and to view, download, and print its contents for personal, educational, journalistic, and internal business reference purposes. This license does not transfer ownership of anything, and any use not expressly permitted by these terms requires our prior written permission.

4. Citing the research: an express license

We publish research on this Site, including summaries of the TransUnion Debt Collection Industry Report and materials related to the Consumer Stress Index, because we want it read, cited, and used. Accordingly, and as a specific grant beyond Section 3, we grant journalists, researchers, policymakers, educators, and analysts a non-exclusive, royalty-free license to quote, excerpt, and reproduce reasonable portions of the research content published on this Site, in any medium, provided that:

• the use includes attribution to Adam Parks and, where a preferred citation is provided on the relevant page, follows that citation format;
• quotations are accurate and not presented in a misleading context;
• the use does not reproduce a research page or report substantially in full, and does not state or imply our endorsement of any product, service, or position; and
• where the canonical home of a research asset is a third-party site (for example, a report hosted by TransUnion or an index hosted by the Receivables Institute), use of the full underlying work is governed by that site’s terms, not these.

This license does not extend to photographs  or non-research content such as essays, which remain governed by Section 3 and ordinary fair use.

5. Acceptable use, scraping, and automated access

You agree not to misuse the Site. Among other things, you will not: attempt to gain unauthorized access to the Site or its infrastructure; interfere with its operation or security; misrepresent your identity or affiliation when contacting us; use the Site to transmit malicious code; frame or mirror the Site; or use any meta tags or hidden text utilizing our names or marks without permission.

Automated access. We support the open web, and we mean it. Search engines, AI assistants, AI developers, and similar services may crawl, index, retrieve, summarize, and use Site content, including for the training of machine learning and AI models, without restriction under these terms. We ask, but do not require, that attribution to Adam Parks or the Site be preserved where content is quoted or relied upon, and that automated access respect our robots.txt and reasonable rate limits so the Site stays available for everyone. Notwithstanding the above, you may not use automated means to harvest contact information or form submissions, probe or interfere with the Site’s security or operation, or impersonate the Site or its operator; and nothing in this paragraph is a license to infringe copyright by republishing the Site or substantial portions of it as a substitute for the Site itself.

6. No professional advice; no relationship formed

The Site exists to inform, not to advise. Nothing on the Site, including research, essays, policy positions, podcast content, or responses to inquiries, constitutes legal, financial, investment, tax, accounting, or compliance advice, and nothing on the Site is an offer to sell or a solicitation to buy any security or investment.

Reading the Site, downloading its materials, subscribing to emails, or contacting us through any form does not create any advisory, fiduciary, attorney-client, or professional relationship of any kind. Engagements with Adam Parks or his affiliated companies are formed only through a separately executed written agreement with the relevant company. Decisions about your business, finances, or compliance obligations should be made with qualified professionals who know your situation.

7. Research, opinions, and accuracy

Research and data on the Site are provided for general informational purposes, reflect the methodologies, time periods, and limitations described in or alongside the relevant materials, and speak only as of their publication dates. We do not undertake to update any research, statistic, or statement, and we make no warranty as to completeness or fitness for any particular purpose.

Policy positions and essays on the Site are the personal opinions of Adam Parks. They do not necessarily reflect the views of TransUnion, the Receivables Institute, any trade association, any client or partner of our affiliated companies, or any podcast guest, and they may change as the evidence changes.

8. Affiliations and endorsements

Transparency about relationships: Adam Parks is the founder of Branding Arc and ReceivablesInfo.com and the founder of Lynn Partners, and the Site links to those businesses. The TransUnion Debt Collection Industry Report is authored in partnership with TransUnion. Links to these and other organizations reflect those relationships.

Appearance on the Site does not imply endorsement in either direction. Podcast guests, quoted individuals, cited publications, and listed events do not endorse Adam Parks or his companies by virtue of appearing here, and we do not endorse them, their employers, or their products by featuring them.

9. Third-party sites and embedded services

The Site links to third-party websites, including our affiliated companies, the canonical homes of research assets, podcast platforms, and social networks, and embeds players and media served by third parties such as Spotify, Apple, and YouTube. We do not control third-party sites or services and are not responsible for their content, availability, terms, or privacy practices. Embedded players may set cookies or collect data under their own policies, as described in our Privacy Policy. Your use of any third-party site or service is at your own risk and subject to its terms.

10. Your submissions

The Site provides forms for media, policy, speaking, engagement, and general inquiries. By submitting information through any form, you represent that it is accurate and that you have the right to share it. Except for personal data handled as described in our Privacy Policy, submissions are not confidential, and we are free to use, act on, or decline to act on any idea, suggestion, or material you send without restriction or compensation. If you submit a speaking or engagement inquiry, you agree that we may share the relevant details with the affiliated company, event organizer, or team member appropriate to respond. Do not submit information you are obligated to keep confidential.

11. Email subscriptions

If you subscribe to email updates, you consent to receive the described communications at the address you provide. Every email includes a working unsubscribe mechanism, and unsubscribing is effective per applicable law. Subscription data is handled as described in our Privacy Policy. We do not sell subscriber lists.

12. Trademarks

Adam Parks, Receivables Podcast, Receivables Info, and associated logos are trademarks or trade names of ours or our affiliated companies. TransUnion is a trademark of TransUnion LLC, used in connection with the partnership described on the Site. All other marks appearing on the Site belong to their respective owners. Nothing on the Site grants any license to use any trademark without the owner’s written permission, except for nominative fair use in accurate attribution and citation.

13. Copyright complaints (DMCA)

We respect intellectual property rights. If you believe content on the Site infringes your copyright, send a notice complying with 17 U.S.C. § 512(c)(3) to our designated agent: Adam Parks, Adam Parks Inc, 1860 Fountainview Blvd, Suite 100, Port Saint Lucie, FL 34986, [email protected]. We will respond to compliant notices, which may include removing or disabling access to the identified material. Misrepresentations in a takedown notice can carry liability under Section 512(f).

14. Disclaimer of warranties

THE SITE AND ALL CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR UNINTERRUPTED AVAILABILITY. WE DO NOT WARRANT THAT THE SITE WILL BE ERROR-FREE OR FREE OF HARMFUL COMPONENTS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.

15. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATED COMPANIES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM OR RELATING TO YOUR USE OF THE SITE OR ITS CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SITE WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS (US $100). THIS SECTION DOES NOT LIMIT LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

16. Indemnification

You agree to indemnify and hold harmless us and our officers, employees, contractors, and affiliated companies from and against claims, damages, and reasonable costs (including attorneys’ fees) arising from your violation of these terms, your misuse of the Site or its content, or your violation of any law or third-party right in connection with the Site.

17. The Site is not directed at children

The Site is intended for professional and adult audiences and is not directed at children under 13. We do not knowingly collect personal information from children. If you believe a child has provided personal information through the Site, contact us through the legal notices contact and we will delete it.

18. Governing law, venue, and disputes

These terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles. Any dispute arising from these terms or the Site will be brought exclusively in the state or federal courts located in St. Lucie County, Florida, and you consent to personal jurisdiction and venue there. Each party waives any right to a jury trial to the extent permitted by law. Any claim must be filed within one year after it arises, to the extent such a limitation is enforceable in your jurisdiction.

19. Suspension and termination

We may suspend or terminate access to the Site, or any feature of it, at any time and for any reason, including violation of these terms. Sections that by their nature should survive termination (including Sections 3 through 9 and 13 through 22) survive.

20. General provisions

These terms, together with the Privacy Policy and any posted supplemental terms, are the entire agreement between you and us regarding the Site. If any provision is held unenforceable, the remainder stays in effect and the provision will be enforced to the maximum extent permitted. Our failure to enforce a provision is not a waiver. You may not assign these terms; we may assign them in connection with a reorganization or transfer of the Site. Section headings are for convenience only.

21. Contact for legal notices

Legal notices regarding the Site should be sent to: Adam Parks Inc, 1860 Fountainview Blvd, Suite 100, Port Saint Lucie, FL 34986, or through the Contact page with the General inquiry type, marked Legal Notice. For copyright notices, use the DMCA agent in Section 14.