Information We Collect

How We Use Your Information

We use the information we collect for the following purposes:

• Provide debt collection services to our clients
• Communicate with debtors regarding outstanding accounts
• Process payments and financial transactions
• Respond to inquiries and provide customer support
• Improve our website and services
• Comply with legal obligations and regulations
• Protect against fraud and unauthorized activities
• Send marketing communications (with consent)

Information Sharing and Disclosure

We may share your information in the following circumstances:

• With Clients: We share debtor information with our clients as part of our collection services
• Service Providers: Third-party vendors who assist with our operations (under confidentiality agreements)
• Legal Requirements: When required by law, court order, or legal process
• Business Transfers: In connection with mergers, acquisitions, or asset sales
• Credit Bureaus: Reporting collection activities as permitted by law
• Legal Counsel: Attorneys representing our clients or us in collection matters

Data Security

We implement appropriate technical and organizational security measures to protect your personal information, including:

• Encryption of sensitive data in transit and at rest
• Secure servers and databases with access controls
• Regular security assessments and updates
• Employee training on data protection practices
• Physical security measures for our facilities

However, no method of transmission over the Internet is 100% secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Factors that influence our retention periods include:

• Legal and regulatory requirements
• The nature of our business relationship with you
• The type of information collected
• Our legitimate business interests

Your Rights and Choices

Depending on your location, you may have certain rights regarding your personal information:

• Access: Request access to your personal information
• Correction: Request correction of inaccurate information
• Deletion: Request deletion of your information (subject to legal requirements)
• Portability: Request a copy of your information in a portable format
• Opt-out: Unsubscribe from marketing communications
• Restriction: Request restriction of processing in certain circumstances

To exercise these rights, please contact us at the information provided below. We may need to verify your identity before processing your request.

Cookies and Tracking Technologies

We use cookies and similar technologies to enhance your experience on our website. You can control cookies through your browser settings, but disabling cookies may affect website functionality.

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of these external sites. We encourage you to review the privacy policies of any third-party websites you visit.

FDCPA Compliance

As a debt collection agency, we comply with the Fair Debt Collection Practices Act (FDCPA) and other applicable laws. This includes:

• Proper validation and verification of debts
• Respectful and professional communication practices
• Adherence to calling time restrictions
• Honoring consumer requests to cease communication
• Accurate reporting to credit bureaus

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will notify you of any material changes by posting the new Privacy Policy on our website and updating the effective date. Your continued use of our services after such modifications constitutes acceptance of the updated Privacy Policy.