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SOURCES OF PERSONAL DATA
We collect Personal Data about you from:
YOU- When you provide such information directly to us.
OUR CLIENTS- To whom have collected information about you regarding a debt you have not paid and are now seeking collection services. When Personal Data about debtors is automatically collected in connection with services rendered, products bought, utilities used, rent left unpaid, and other accounts receivables that go unpaid and our client has been unable to collect by themselves, they will send such data needed to effectively recover that amounts owed to them to us.
THIRD PARTIES- When they (“Third Parties) provide us with Personal Data about you. Third Parties that share your Personal Data with us include:
Service providers- For example, we may use Skiptracing services in order to obtain more accurate information than that which our client provided to us about you. (i.e. You moved and did not update your address with the client).
Attorneys- For instance, an attorney may represent you in a personal injury suit related to an accident in which you sought medical services or representing you in a bankruptcy.
Your estate or representative- For instance the Executor of your estate or legal guardian if you are in a nursing home.
CATEGORIES OF THIRD PARTIES WITH WHOM WE SHARE PERSONAL DATA
We disclose your Personal Data to the following categories of service providers and other parties:
Service providers, including:
Skiptrace vendors (Name, phone, and address verification providers).
Ringless voicedrop providers
Security and fraud prevention providers
Hosting and other technology and communications providers
Analytics providers and scoring companies
The major credit bureaus
Federal and state government regulators
Email distribution companies (not applicable to debtors only others that visit our website)
Law Enforcement and courts (to the extent applicable by law)
Insurance companies (to resolve a claim or appeal and get your account paid)
Our client creditors to whom we are contracted with
Attorneys (to the extent needed)
Parties who acquire your Personal Data through an acquisition or other change of control.
Personal Data may be transferred to a third party if we undergo a merger, acquisition, bankruptcy or other transaction in which that third party assumes control of our business (in whole or in part).
Third-party business partners who you interact with through the Services (for instance, if you make a payment in our payment portal or at a CVS store).
Other parties authorized by you
CATEGORIES OF PERSONAL DATA THAT WE COLLECT
The categories of Personal Data that we collect and have collected over the past twelve (12) months varies depending on whether you are just visiting our website or are a debtor with an account or accounts with our agency and include:
|Category of Personal Data
||Personal Data Collected
||What is the source of this Personal Data?
Postal address and phone number(s)
Unique personal identifiers (like Social
Security numbers, date of birth-debtors only)
Account numbers (debtors)
Internet Protocol address
Employment information (debtors and job applicants)
Account name and password
Your Attorney (debtors)
Financial data (debtors)
Your insurance information (debtors)
|You / Affiliates / Third Parties
|Customer records identified by state law (including the California Customer Records
statute (Cal. Civ. Code § 1798.80(e))
Credit card number
Debit card number
Checking account information
|You / Affiliates / Third Parties
|Protected classification characteristics under state or federal law
||Age (40 years or older)
||Records of products or services purchased obtained or considered
||You / Affiliates / Our clients
||Copy of a driver’s license if provided
|You, the credit bureaus, our clients
|Internet network activity Information
||We only collect the information you enter on forms on our site and pages you visited and information on your interaction with our website or if you or your representative emails us.
||You / Third Parties
||General location as enabled by cookies and IP address and IP address
||You / Affiliates / Third Parties
||We do not collect this category of Personal Data
|Professional or employment
||We only collect this data as presented on an account sent to collections, a vendor whose services we use to locate you, or as provided by you.
||You / Our Clients / Third Parties
information (per the Family
Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99))
|We do not collect this category of Personal Data
|Inferences drawn from other
|Profile reflecting personal preferences
||You / Affiliates / Third Parties
|Age or date of birth
||Age/Date of birth
||You / Affiliates / Third Parties
|Personal Data about children
under the age of 16
|Only if the child is the patient for our client
||You/ Our client/ Third Parties
The following sections provide additional information about how we collect your Personal Data.
INFORMATION COLLECTED AUTOMATICALLY
We use the following types of Cookies:
Essential Cookies. Essential Cookies are required for providing you with features or services that you have requested. For example, certain Cookies enable you to log into secure areas of our Services. Disabling these Cookies may make certain features and services unavailable.
Functional Cookies. Functional Cookies are used to record your choices and settings regarding our Services, maintain your preferences over time and recognize you when you return to our Services. These Cookies help us to personalize our content for you, greet you by name and remember your preferences (for example, your choice of language or region).
You can decide whether or not to accept Cookies through your internet browser’s settings. Most browsers have an option for turning off the Cookie feature, which will prevent your browser from accepting new Cookies, as well as (depending on the sophistication of your browser software) allow you to decide on acceptance of each new Cookie in a variety of ways. You can also delete all Cookies that are already on your device. If you do this, however, you may have to manually adjust some preferences every time you visit our website and some of the Services and functionalities may not work.
To explore what Cookie settings are available to you, look in the “preferences” or “options” section of your browser’s menu. To find out more information about Cookies, including information about how to manage and delete Cookies, please visit www.allaboutcookies.org.
HOW WE USE YOUR PERSONAL DATA
We process Personal Data to operate, collect debts owed to our clients, improve, understand and personalize our Services. We use Personal Data for the following purposes:
To meet or fulfill the reason you provided the information to us
To communicate with you about the Services, including Service announcements, updates or offers
Perform collection services for our clients that are owed money for valid debts
Resolve disputes over debts
Resolve issues regarding payments made, chargebacks, or adjustments needed
To prevent collecting on invalid debt, from a consumer represented by an attorney, or an account included in a bankruptcy.
To provide support and assistance for the Services we provide or our clients provided
To create and manage your Account
To process requests for more information or other transactions
To respond to user inquiries and fulfill user requests
To improve and develop the Services, including testing, research, analysis and product development
To protect against or deter fraudulent, illegal or harmful actions and maintain the safety, security and integrity of our Services
To prevent and mitigate claims of identity theft
To comply with our legal or contractual obligations, resolve disputes and enforce our Terms of Service
To respond to law enforcement requests and as required by applicable law, court order or governmental regulations
For any other business purpose stated when collecting your Personal Data or as otherwise set forth in applicable data privacy laws, such as the California Consumer Privacy Act (the “CCPA”)
We will not collect additional categories of Personal Data or use the Personal Data we collected for materially different, unrelated or incompatible purposes without providing you notice.
HOW WE SHARE YOUR PERSONAL DATA
DISCLOSURES OF PERSONAL DATA ARE FOR A LEGITIMATE BUSINESS PURPOSE.
We disclose your Personal Data to service providers and other parties for the following business purposes:
Detecting security incidents, protecting against malicious, deceptive, fraudulent or illegal activity, verifying, mitigating, or preventing claims of identity theft.
Performing services on our behalf, including maintaining or servicing accounts, providing customer service, processing or fulfilling requests, disputes, payment plans, account settlements, verifying customer information, processing payments, noting accounts represented by an attorney or included or not included in a bankruptcy, providing analytic services or providing similar services on behalf of the business or service provider
Undertaking internal research (analytics) to improve operations for ourselves and our clients.
Undertaking activities to verify or maintain the quality and accuracy of the service we provide for improvement, customer service, client satisfaction, or for audits by regulatory agencies.
Over the past twelve months, we have disclosed the following categories of Personal Data to service providers or other parties for the business purposes listed above:
Category A. Personal identifiers
Category B. Customer records identified by state law
Category C. Protected classification characteristics under state or federal law
Category D. Collection data and stats for Medicare patients
Category K. Inferences drawn from other Personal Data
Category L. Age or date of birth
If you decide you would like to stop sharing this information and receiving materials, you can:
email us at firstname.lastname@example.org
call us at 813.741.0802
Over the past twelve months, we have not sold any of your Personal Data to third parties.
DATA SECURITY AND RETENTION
Although we work to protect the security of your Account and other data that we hold in our records, please be aware that no method of transmitting data over the Internet or storing data is completely secure. We cannot guarantee the complete security of any data you share with us, and except as expressly required by law, we are not responsible for the theft, destruction, loss or inadvertent disclosure of your information or content.
We retain Personal Data about you for as long as you have an open Account with us or as otherwise necessary to be compliant with all state and federal laws and regulations regarding debt collection. In some cases, we retain Personal Data for longer, if doing so is necessary to comply with our legal obligations, resolve disputes or collect fees owed, or is otherwise permitted or required by applicable law, rule or regulation. We may further retain information in an anonymous or aggregated form where that information would not identify you personally.
You have the right to request certain information about our collection and use of your Personal Data over the past 12 months. Upon any such request, we will provide you with the following information:
The categories of Personal Data that we have collected about you
The categories of sources from which that Personal Data was collected
The business or commercial purpose for collecting or disclosing your Personal Data to third parties.
The specific pieces of Personal Data that we have collected about you
If we have disclosed your Personal Data to any third parties for a business purpose over the past 12 months, we will identify the categories of Personal Data shared with each category of third-party recipient.
OTHER STATE LAW PRIVACY RIGHTS
CALIFORNIA RESIDENT RIGHTS
IMPORTANT INFORMATION FOR CALIFORNIA RESIDENTS:
Under the California Consumer Privacy Act, which went into effect January 1, 2020, it is important that you know you have the following rights if you are in the state of California:
- The right to know what personal information is being collected.
- The right to access the personal information collected and request it be deleted.
- The right to know whether your personal information is sold or disclosed and to whom.
- The right to opt-out of the sale of your personal information.
- The right to have equal service and pricing even if you exercise your rights under the CCPA.
- The right to sue for a data breach.
We are not obligated to process a request if we cannot verify that the person making the request is the person about whom we collected information or is someone authorized to act on such person’s behalf. Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification. Note that there is an exception to the right to have your personal information deleted if you have a debt in collections. The exception is that if the information requested to be deleted is necessary to complete the performance of a transaction or contract between the business and the consumer it will not be deleted. In other words, if the information is necessary to try and obtain payment from the consumer by a collection agency, the request can be denied.
Your browser may offer you a “Do Not Track” option, which allows you to signal to operators of websites and web applications and services that you do not wish such operators to track certain of your online activities over time and across different websites. Our Services do not support Do Not Track requests at this time. To find out more about “Do Not Track,” you can visit www.allaboutdnt.com.
WE WILL NOT DISCRIMINATE AGAINST YOU FOR EXERCISING YOUR RIGHTS UNDER THE CCPA
We will not discriminate against you for exercising your rights under the CCPA. We will not deny you our goods or services, charge you different prices or rates, or provide you a lower quality of goods and services if you exercise your rights under the CCPA.
Your personal information is not shared with any other person or entity that we are not permitted by law to share it with. It is not used for any marketing lists nor sold for marketing purposes. Because our calls are not for marketing purposes, collection agencies are not subject to the “DO NOT CALL” list. All calls to our agency are recorded. If a number we have for your is inconvenient, simply let us know of this and/or provide an alternative number.
Our calls are business-related and for debt collection purposes. However, there is a way to avoid receiving phone calls if you are not interested in taking care of your obligation(s). Simply contact us and inform us that you do not want us to contact you and we will stop trying. This provision in the law is called a “CEASE AND DESIST”, but please understand that, if our client permits the reporting of your account(s) to the credit bureaus, a CEASE AND DESIST will NOT stop the account from being credit reported. If you decide to initiate a CEASE AND DESIST, but later change your mind, you must send us a “revocation of that CEASE AND DESIST request. For your convenience we have a revocation form available in the “consumer resources” section of this website.
ALL disclosures related to medical accounts are subject to the “Minimum Necessary Rule” under the Health Information Portability and Accountability Act (HIPAA). Also, if your account is a medical account, protected health information (PHI) is not disclosed to any third party without your permission and/or a HIPAA Release form except where permitted by law. If your attorney or other third party does not have this form, we can provide one to you. Once a consumer is represented by an attorney, this collection agency will no longer contact you and will only deal with your attorney unless he/she fails to respond to us in a reasonable amount of time. We do not accept letters of protection and being represented by an attorney will NOT stop an account from being credit reported if the client permits credit reporting unless you are entering into a payment arrangement while your case is waiting to settle or insurance is being billed that was not previously billed and denied and it is not past timely filing. It is important that you know that not all clients that we represent credit report.
If you are represented by an attorney please let us know and provide the attorney’s name and phone number. Your attorney may have you fill out their own HIPAA Release form in order for us to communicate with him/her. As stated before by law, once you are represented by an attorney, we can no longer communicate with you unless your attorney permits it.
Also, pursuant to HIPAA, medical accounts are allowed to be credit reported. There is a lot of misinformation about this on the internet.
If you dispute your account, we will disclose the dispute to the credit bureaus (if reported and/or the client permits the account to be reported later) and we will update the account(s) as being in a dispute status pursuant to the Fair Credit Reporting Act. We will also verify the debt and send you verification of the debt. We understand that mistakes happen and sometimes payments, adjustments or other credit doesn’t always get reported to the agency so we will work with you to the extent that we can to correct any mistakes. Also, we will make every effort to do the right thing if you work with us to resolve your delinquent account(s) possibly including removing a tradeline from credit reporting when a payment or adjustment was not reported. There are also other situations that can warrant removal from the credit bureau. But it is important that your communicate with us.
Also, as stated before, if the account is new (within the first 30 days of placement with this agency) you have the right to dispute that debt and we are NOT demanding payment from you within that period of time.
Preferred CMS PO BOX 2964 Tampa, FL 33601
Effective Date: January 1, 2020
© Copyright Preferred Collection and Management Services, Inc. ALL RIGHTS RESERVED. If you have a debt with our agency then this is an attempt to collect a debt and any information obtained will be used for that purpose. We are a debt collection agency.