Privacy Policy for California Residents
(1) A consumer has the right to request that the business disclose the following:
a. The categories of personal information we collect;
b. The categories of sources from which the personal information is collected;
c. The purpose for collecting the personal information and how long such information will be retained;
d. The categories of third parties with whom the business shares persona information; and
e. The specific pieces of personal information we have collected, disclosed, or sold.
Such a request can be made to Joseph, Mann & Creed at 1-877-369-5092 or email us at Compliance@jmcbiz.com. Once we receive your request, we will compare information you provided with the information we already have. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying, personal information data points to verify that the request came from the you. If we cannot verify that the request came from you, we will notify you.
(2) We typically collect the following categories of personal information about a consumer for debt collection purposes only:
(a) personal identifying information, like name, address and account number, as well as other identifying information, which we obtain from the consumer’s creditor, skip trace sources, and the consumer;
(b) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor;
(c) internet activity, which we collect if the consumer visits our website or payment portal;
(d) recordings, which are made when the consumer has a telephone conversation with us;
(e) professional and employment related information, which we obtain from the consumer’s creditor, and skip trace sources; and
(3) We do not sell any personal information to third parties. We do disclose information to:
(a) Service providers we use to assist our clients in collecting their debts, such as letter vendors, skip tracing providers;
(b) Other third parties we use to help us run our business;
(c) Third parties approved by you;
(d) Credit reporting agencies;
(e) Federal or state governmental agencies, such as the Consumer Financial Protection Bureau, state Attorney Generals, etc.;
(f) Our attorneys, insurers and brokers; and
(g) Our bank[s].
(4) The California Consumer Privacy Act provides for the right for consumers to request deletion of their information, subject to various exceptions. The information that Joseph, Mann & Creed has generally falls within an exception and does not have to be deleted upon request. Nonetheless, such a request can be made to Joseph, Mann & Creed at 1-877-369-5092 or visit www.jmcbiz.com and click on the Privacy link. Once we receive your request, we will compare information you provided with the information Joseph, Mann & Creed already has. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying, personal information data points to verify that the request came from the consumer. If we cannot verify that the request came from the consumer, we will notify consumer.
(5) The California Consumer Privacy Act also provides for the right to opt out of the sale of personal information. However, we do not sell personal information.
(6) The consumer has a right to request correction of inaccurate personal information;
(7) The consumer has a right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the California Consumer Privacy Act.
(7) A consumer can designate an authorized agent to make a request under the California Consumer Privacy Act. The consumer must provide either a power of attorney or written authorization.
(8) For questions, we can be reached at 1-877-369-5092.
(9) To request this notice be provided in an alternative format, please email us at Compliance@jmcbiz.com
(10) This privacy policy was last updated on October 14, 2020.
