Diversified Consumer Services (A Division of Diversified Company) Privacy Policy
This Privacy Policy applies to Diversified Consumer Services, and no other division of Diversified Company. The Privacy Policy below governs any information you provide on this site and how information provided to us by PayPal or other methods of payment / payment processors will be used by us.
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A. Overview
B. Information We Collect
C. Our Use and Disclosure of Information
D. Information Security
E. Accessing and Changing Your Information
F. Contacting Us
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A. Our Privacy Policy describes the information we collect or receive and how we use that information. We take the privacy of your personal information very seriously and will use your information only in accordance with the terms of this Privacy Policy. We will not sell or rent your personally identifiable information or a list of our customers to third parties other than what is described herein. As described in more detail in Part C below, there are limited circumstances in which some of your information will be shared with third parties, under strict restrictions, so it is important for you to review this Privacy Policy. Your act of using our website constitutes acceptance of the Privacy Policy and User Agreement. You expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. This Privacy Policy will take effect on September 30, 2017. This Privacy Policy was last updated on October 5, 2017. Please note that the following pieces of your personal information will be stored and processed on our computers in the United States. This information is stored offline on our servers as well as off-site secure backup. This includes, but is not limited to: Your name, address, phone number, email address, Social Security number, date of birth, work phone number, cell/mobile/pager phone number, references, your original creditor's account number and all information provided in the acquisition of your debt, your assigned account number by Diversified Consumer Services, your payment history, your payment arrangements, broken payment arrangements, banking or credit card information provided by you for the purpose of making payments. We will hold and transmit your personal information in a safe, confidential and secure environment.
Notification of Changes: This policy may be revised over time as we make changes or incorporate suggestions from our customers. If we are going to use or disclose your personally identifiable information in a manner materially different from that stated at the time we collected the information, you will have a choice as to whether or not we use or disclose your information in this new manner, if permitted by law. Any material changes will be effective only after we provide you by e-mail with at least 30 days' notice of the amended Privacy Policy to be sent to the email address on file or by mail to the address on file, at our discretion. We will post the amended Privacy Policy prominently on our website so that you can always review what information we gather, how we might use that information, and whether we will disclose it to anyone. Our site includes links to third-party websites via payment processing or other resources we may incorporate on the site. These sites are governed by their own privacy statements, and we are not responsible for their operations, including but not limited to their information practices. Users submitting information to or through these third-party websites should review the privacy statement of these sites before providing them with personally identifiable information.
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B. Information We Collect: When we acquire ownership of your debt, we collect all information provided to us by your original creditor and it is entered into our internal systems. We check select information for accuracy and update it as appropriate. When you make a payment over the phone, we will type your credit card or banking information into the payment portal area. We only store that information if you wish to make recurring payments. We do not enter that information anywhere else within your file. When you make a payment, our payment processor will provide us with the information you provide them that is necessary for us to complete your order. In the event that someone compromises the security of our site, your personal information is never at risk on our servers because these servers are connected internally only. If we provide an online portal for our customers to access their information, it is not connected to the servers, rather it is exported via software.
Website Traffic Information: Because of the way that World Wide Web communication standards work, when you arrive at or leave our website, we automatically receive the web address of the site that you came from (such as a search engine or link in an email) or are going to (if you click a link from our website that connects you to another site). We also collect information on which pages of our website you visit while you are on our site, including this page, the type of browser you use and the times you access our website. This is just a sampling of the information we collect. We use Google Analytics to get this information. This is common practice for many companies worldwide. We use this information only to try to understand our customers' preferences better and to manage the load on our servers, to improve our website. We do not track the websites that you visit before or after you leave the site.
Our Use of "Cookies": "Cookies" are small files of data that reside on your computer and allow us to recognize you if you return to our site using the same computer and browser. We may send "session cookie(s)" to your computer. These cookies allow us to recognize you if you visit multiple pages in our site during the same session. Cookies have an expiration date and/or time and then no longer have any effect. This is by design of the World Wide Web.
Customer Service Correspondence: This is an attempt to collect a debt, and any information obtained may be used for that purpose. If you send us correspondence, including e-mails and faxes, or via telephone by voice mail or recorded line, we retain such information in the records of your account. We may scan written correspondence and then file or securely shred the physical document if appropriate and at our discretion. We will also retain customer service correspondence and other correspondence from us to you. We retain these records in order to measure and improve our customer service. We may, over time, delete these records if and when permitted by law.
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C. Our Use and Disclosure of Information:
Internal Uses: We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order 1) manage and monitor your account(s) with us, 2) to provide customer service, 3) to determine your eligibility to receive offers for special discounts or incentives, payment arrangements and 4) to improve our services. We may, at our option, employ an outside mailing service. We do not at this time, however.
Disclosure to Other Diversified Company Divisions and Customers: Your information is not made available to other customers. We do not share your information with any other division of Diversified Company unless 1) You request that we do, 2) We have a product or service that we feel may benefit you, and 3) if required in the normal course of business pertaining specifically to account management. In the case of #1 or #2, the only information shared will be your name, mailing address, phone number, and email address.
Disclosure to Third-Parties: We reserve the right to sell or share your information with a debt buyer, collection agency, court system or attorney/attorneys in the event that 1) you fail to work with us in accordance with our Terms and/or agreed arrangements and actions or 2) we decide to sell your debt to another company. The actions will most likely not take place as long as you are making payments as agreed. For marketing purposes to outside companies, we do not not sell or rent any of your personally identifiable information to third parties. We will not share any of your personally identifiable information with third parties except in the limited circumstances described within this policy, or with your express permission. These third parties are limited by law or by contract from using the information for secondary purposes beyond the purposes for which the information is shared. We share information with companies that help us process the transactions you request. We do NOT disclose the information we collect, as described in Section B above, to companies that perform marketing services. We disclose information that we, in good faith, believe is appropriate to cooperate in investigations of fraud or other illegal activity. Specifically, this means that if we conduct a fraud investigation and conclude that one side has engaged in deceptive practices, we can give that person or entity's contact information to victims who request it. We disclose information in response to a subpoena, warrant, court order, levy, attachment, order of a court-appointed receiver or other comparable legal process, including subpoenas from private parties in a civil action. We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you). As with any other business, it is possible that we in the future could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to the information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended as described in Section A above.
Our Contacts with our Customers: We communicate with users on a regular basis via e-mail and / or postal mail to provide requested services, account management, etc., and we may also communicate by phone to resolve customer complaints or investigate suspicious transactions. We may use your e-mail address to confirm payment received or due at your request or if you opt to communicate "paperless" with us, to send you reminders of payments due, statements, other updates, etc. as well as information about important changes to our services, policies, and/or processes, and to send notices and other disclosures required by law. Generally, users cannot opt out of these communications, but they will be primarily informational in nature rather than promotional. If we use your e-mail address to send you other types of communications that you can control, as in, choose to opt-out of, instructions will be included in the email. In connection with independent audits of our financial statements and operations, the auditors may seek to view a document, account, etc. sample of our customers to confirm that our records are accurate. However, these auditors cannot use personally identifiable information for any secondary purposes and must be bonded.
Internet Address Information: We use IP addresses, browser types and access times to analyze trends, administer the site, improve site performance and gather broad demographic information for aggregate use. This was defined more earlier about Google Analytics.
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D. Information Security: We restrict access to your personally identifiable information to employees who need to know that information in order to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information. We test our security systems regularly. Any e-mail or other communication requesting passwords, asking you to provide sensitive account information via email, or linking to a website with a URL that seems suspicious should be treated as unauthorized and suspicious and should be reported to us immediately at [email protected].
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E. Accessing and Changing Your Information You can change the personal information you provided us at any time by sending an email to [email protected]. Never send credit card information to us via email as well as full Social Security numbers. If you need to update sensitive information, please do so via USPS mail, fax, phone, or in the Customer Portal, if provided and available.
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F. Contacting Us: If you have any questions about this Privacy Policy, our information practices, or your dealings with us, you can contact our Corporate Offices of Diversified Company at [email protected] and reference DCS or Diversified Consumer Services in your message.
