Privacy Policy

Effective Date: July 9, 2026

Thank you for visiting preferredcms.com (the “Website“). Your privacy is important to us. This Privacy Policy (the “Policy“) describes the types of information Preferred Collection and Management Services, Inc. (the “Company“, “us“, “we“, or “our“) may collect from you or that you may provide when you visit the Website and the products, features, materials, and services we offer (collectively with the Website, the “Services“). This Policy also describes our policies and procedures for collecting, using, maintaining, protecting, and disclosing that information.

This Policy applies to information we collect on the Website and through your use of the Services generally (including when you access an account or utilize our consumer payment portal), and through communications between you and the Website (including email, text, and other electronic messages).

This Policy does not apply to information collected by third parties, including any websites, services, and applications that you elect to access through the Services.

Please review this Policy carefully. By accessing or using the Services (or by clicking on “accept” or “agree” to this Policy when prompted), you agree to the terms of this Policy on behalf of yourself or the entity or organization that you represent. If you do not agree to any term in this Policy, you should refrain from further use of our Services.

1. Changes to Our Privacy Policy

This Policy was last revised on the date noted at the top of this page. We may update this Policy from time to time. If we make material changes, we will post the updated Policy on this page and notify you of such changes by means of an email to the email address specified in your account, a message on the Services, or through a notice on the Website home page. Your continued use of the Services after we make changes is deemed to be acceptance of those changes, so please check the Policy periodically for updates.

2. Information We Collect

We receive several types of information about you from various sources, including (A) information and content that you give us; (B) automatically-collected information; and (C) demographic information or other aggregate information. Each is described in detail below.

2.1 Information and Content That You Give Us

We collect personal information that you knowingly choose to disclose. This may include:

  • (a) Personal Information (or Data): Personal information, such as your name, mailing address, email address, phone number, consumer account number, username, password, and any other identifying information you directly provide us on or through the Services. This includes information you provide when you log in to view an account balance, verify debt details, or submit online communication preferences.

  • (b) Correspondences: Records and copies of your email messages together with your email address and our responses, if you choose to correspond with us through email, and records of your phone number, phone calls with us, and voice messages, if you choose to correspond with us via phone.

  • (c) User Content: Information or content you submit to be processed, disputed, or displayed on secure portal areas of the Services or transmitted to the Company regarding an account.

  • (d) Transaction and Payment Information: Information about any payment or settlement made on the Services. This includes banking account details, credit or debit card numbers, routing numbers, billing addresses, and authentication details required to process a single or recurring electronic fund transfer (EFT).

  • (e) Search Queries: Your search queries on the Website.

2.2 Information We Collect Automatically

We may use a variety of technologies to collect certain information about your equipment, browsing actions, and patterns whenever you interact with the Services, including:

  • (a) Activity Information: Details of your visits to our Services, including the types of pages or accounts you interact with; the features you use; the actions you take; the time, frequency, and duration of your activities; and other information about your use of and actions on the Services.

  • (b) Equipment Information: Information about your computer and internet connection, including your computer operating system, IP address, browser type, and browser language.

  • (c) Location Information: Information about the location of your device, including GPS location, for purposes of enhancing security, validating transaction origins, or facilitating the Services.

The gathering of this information may be used for maintaining security, preventing unauthorized access to account details, and providing overall statistics related to the use of the Services. The technologies we use for this automatic data collection may include: Cookies, Web Beacons, JavaScripts, Entity Tags, HTML5 Local Storage, and Resettable Device Identifiers.

This Policy does not cover the use of tracking technologies by third parties. Please be aware that we do not control third parties’ tracking technologies or when and how they may be used. Therefore, the Company does not claim nor accept responsibility for any privacy policies, practices, or procedures of any third party.

2.3 Demographic Information

We may collect demographic, statistical, or other aggregate information that is about you, but individually does not identify you. Some of this information may be derived from personal information, but it is not personal information and cannot be tied back to you.

2.4 Information from Other Sources

In accordance with applicable law (including the FDCPA and FCRA), we receive consumer account data, debt details, and contact verification information from original creditors, clients, or credit reporting agencies, which is integrated into our management systems to properly service accounts.

3. How We Use Your Information

We may use the information we collect about you in a variety of ways, including:

  • (a) to provide the Services, account access, and payment validation options to you;

  • (b) to respond to online account disputes, comments, and consumer customer service requests;

  • (c) to fulfill the purpose for which you provide such information, or fulfill any other purpose disclosed by us when you provide the information;

  • (d) to communicate with you about your account balance, debt validation, ongoing payments, or legal notices;

  • (e) to inform you about important changes to, or other news about, the Services or any of its features or content;

  • (f) to operate, maintain, improve, personalize, and analyze the security of the Services;

  • (g) to detect, prevent, or investigate security breaches, fraud, identity theft, and other unauthorized or illegal activity;

  • (h) to carry out our obligations and enforce our rights arising from any contracts or agreements entered into between you and us, including for processing payments and balances;

  • (i) to maintain appropriate records for internal legal and compliance purposes;

  • (j) in any other way we may describe when you provide the information; and

  • (k) for any other purpose with your explicit consent or as permitted under federal debt collection regulations.

4. How We Share Your Information

We do not sell consumer personal data. We will not share your personal information that we collect or you provide as described in this Policy except in the following necessary business and legal circumstances:

  • (a) When we work with service providers and vendors: To trusted service providers, contractors, professional advisors, and third parties that support our operations—such as payment processors, website hosting, secure data infrastructure, and commercial mail vendors utilized to format, print, and send required correspondence—who are contractually and legally bound to maintain confidentiality and strictly use data only for the authorized purposes.

  • (b) With original creditors: To the original creditor or client associated with your specific consumer account to report status updates, payment fulfillment, or balance reconciliations.

  • (c) When we are required by law: To comply with any court order, regulatory enforcement, law, or legal process, including responding to a government request, the Consumer Financial Protection Bureau (CFPB), or state regulatory agencies.

  • (d) When we enforce our rights: To enforce or apply this Policy, our Terms of Use, and other agreements, including verifying valid debts or resolving disputes.

  • (e) To help protect lawful interests: If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our clients, consumers, or others. This includes exchanging information with other companies and organizations for identity verification, fraud protection, and data security monitoring.

5. Detailed Information on the Personal Information We Collect

Personal Data is collected for the following purposes and using the following services:

5.1 Analytics

The services contained in this section enable the Company to monitor and analyze web traffic and can be used to keep track of User behavior to ensure portal security and usability.

  • Google Analytics (Google LLC): Google Analytics is a web analysis service provided by Google LLC (“Google”). Google utilizes the Data collected to track and examine the use of Website, to prepare reports on its activities and share them with other Google services.

    • Personal Data processed: Tracker; Usage Data.

    • Place of processing: United States – Privacy Policy – Opt Out.

5.2 Handling payments

Website handles processing payments via secure, external third-party compliance services. Users provide their payment details and personal information directly to such payment processors.

  • Stripe (Stripe Inc.) / Payment Gateway Processors: Secure payment integrations used to facilitate electronic checks, credit card payments, or electronic fund transfers.

    • Personal Data processed: Various types of Data as specified in the privacy policy of the payment processing service.

    • Place of processing: United States.

5.3 Managing contacts and sending transactional messages

This type of service makes it possible to manage contact phone numbers or emails to deliver critical account updates, electronic payment receipts, or notices.

  • Twilio (Twilio Inc.) / Communication Gateways: Phone number and text communication delivery management tools used to send account updates or alerts.

    • Personal Data processed: Phone number; communication history.

    • Place of processing: United States – Privacy Policy.

6. Your Choices

6.1 Mechanisms to Control Your Information

  • (a) Cookies and Other Tracking Technologies: You may be able to set your browser to reject cookies and certain other technologies by adjusting the appropriate settings in your browser.

  • (b) Text and Email Communication: By interacting with the site or providing your cell phone number or email address, you permit the Company to contact you regarding account details. You can modify your communication preferences or submit stop requests by contacting us directly in writing or utilizing opt-out mechanisms provided within our communications.

  • (c) Location Information: You may be able to adjust the settings of your device so that information about your physical location is not sent to us.

6.2 How We Respond to Do Not Track Signals

“Do Not Track” is a privacy preference you can set in most web browsers. Please note that we currently do not respond to Do Not Track browser settings.

7. Accessing and Correcting Your Information

You have specific legal rights to request access to, verify, or dispute account information under federal law (FDCPA/FCRA). If you choose to dispute a debt or request corrections to information tied to an account, you may submit a request through our official communication channels, and we will verify the information in accordance with statutory compliance timelines.

8. California Privacy Rights

The provisions contained in this section apply to all Users who are consumers residing in the state of California, United States of America, according to the “California Consumer Privacy Act of 2018” (the “CCPA”), as updated by the “California Privacy Rights Act” (the “CPRA”) and subsequent regulations.

8.1 Categories of personal information collected, used, or disclosed

  • (a) Information we collect: We have collected the following categories of personal information about you: identifiers, commercial/financial payment information, and internet activity information. We do not sell or share consumer data for commercial cross-contextual behavioral advertising.

  • (b) Retaining your data: We retain personal data for as long as necessary to complete the account resolution process, fulfill our legal obligations, comply with financial audit rules, or enforce legal claims.

  • (c) Your right to opt out: Because the Company does not sell consumer personal information, “Opt-Out of Sale” rules do not apply to data processed under our standard debt servicing functions.

8.2 Your privacy rights under the California Consumer Privacy Act and how to exercise them

Subject to certain statutory exceptions (including data regulated under specific federal frameworks), California residents have the right to request access to personal data collected over the past 12 months, request deletion of specific personal data, request corrections to inaccurate personal data, and be free from discrimination for exercising their privacy rights.

9. How We Protect Your Information

We take extensive precautions and maintain rigorous safeguards to protect your personal and financial information. We have implemented technical, physical, and administrative security measures designed to reduce the risk of loss, misuse, unauthorized access, disclosure, or modification of your information. All online transactional and payment portal activity utilizes secure encryption protocols (SSL/TLS) behind protective firewalls.

While we employ advanced industry-standard security technologies to protect consumer data, no system can be guaranteed to be completely secure. Any online transmission of data is performed at your own risk.

10. Terms of Use

If you choose to visit the Services, your visit and any dispute over online privacy are subject to this Policy, our Terms of Use, including limitations on damages, resolution of disputes, and the application of the laws of the State of Florida.

11. Contact Us

If you have questions, comments, or concerns about privacy, or if you need to submit formal inquiries regarding an account, please reach out to us using our official corporate channels:

Preferred Collection and Management Services, Inc.

Mailing Address: 8875 Hidden River Pkwy, Suite 100, Tampa, FL 33637

Toll-Free Phone: (800) 741-0802

Local Phone: (813) 251-0802

Support Email: support@preferredgroupoftampa.com