Privacy Policy and Licenses • CCMR3

DATE OF LAST REVIEW: 05/05/2023

DATE OF LAST MATERIAL CHANGE: 07/22/2024

Please click on the appropriate link below to view the most updated versions of our consumer privacy policy:

Nevada Licensing

Nevada Agency License: CAD11425
Jacob Corlyon – Compliance Manager: 1638101

NMLS

CCMR3’s NMLS # 1631249

New York Consumers

CCMR3 offers the following language access services to New York City consumers: The option to speak with a representative in English or Spanish. In addition, a translation and description of commonly-used debt collection terms is available in multiple languages on the NYC Department of Consumer Affairs website,www.nyc.gov/dca.

Our privacy statement includes privacy practices CCMR3 follows with respect to your Personal Identifiable Information (PII), collected and is organized as follows by:

The Site – CCMR3’s public facing website used for advertising the company, services, consumer education, and contact information.
The Capital Collection Management (CCMR3) Services:
1. Debt Collection
2. Debt Purchasing
3. Litigation Services
4. Bankruptcy Servicing
5. Auto Repossession and Remarketing

With respect to the CCMR3 Services, CCMR3 acts as the “data processor”, as it relates to privacy laws and regulations. The following definitions will ensure this Privacy Statement denotes proper subgroups appropriately.

Business Customer: A business customer is an entity or sole proprietor who has entered into an ongoing relationship with CCMR3 through a services agreement. As it relates to privacy laws and regulations, the business customer is considered the “data controller”.

Consumer: An individual who is a consumer of the business customer whose account information is sent to CCMR3 in order to perform business activities. As it relates to privacy laws and regulations, the consumer is considered the “data subject”.

CCMR3 hereby notifies you of:

What personally identifiable information of yours is collected from you through the Site and CCMR3 Services
What methods we use to collect personally identifiable information
How the information may be shared.
How we protect your information.
How you can correct any inaccuracies in the information.

THE SITE

BROWSING OUR SITE

You can browse our sites anonymously by choosing not to provide us with any personally identifiable information, such as your name or e-mail address, during your visits to our sites. When you browse this way, we won’t be able to link your online activity with the accounts you have with us. Browsing anonymously after you’ve identified yourself involves setting your browser to disable cookies and similar files or by deleting the cookies and similar files that you have accepted from us. To do this, you’ll need to follow your browser’s instructions for disabling cookies or deleting cookies. *Please note that the use of certain online products does require the acceptance of cookies or similar files.

COOKIES AND SIMILAR FILES

Cookies are pieces of information stored directly on the computer you are using. In all cases, cookies and similar files that we place on your computer do not contain any PII unless encrypted, and we never use cookies or other files to track your use of other web sites. We may place cookies or similar files on your hard drive for security purposes, to facilitate site navigation, and to personalize your experience while visiting our site. Our cookies do not identify you as an individual or by account number. If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products.

WEB BROWSING COOKIES

Cookies used for Web Browsing can contain a variety of information, such as a simple count of how often you visit a Web site or information that allows customization of a Web site for your use. CCMR3 uses cookies to display information more effectively to you and to gather data about the usage of our Web site.

Cookies allow us to collect technical and navigational information such as browser type, time spent on our site, and the pages visited. They do not contain or capture customer specific data. We may also use cookies in online advertising to track consumer responses to advertisement. This provides us the capability to monitor the use of our site so we can continually improve the design and functionality to better serve you.

WHAT PERSONALLY IDENTIFIABLE INFORMATION OF YOURS IS COLLECTED THROUGH THE SITE

INFORMATION COLLECTION AND USE

We collect and use various types of information about you and your accounts to save you time and money, better respond to your needs, and manage our business and risks. Information that is submitted may or may not be secured or encrypted. While CCMR3 attempts to protect all collected information, its security capabilities can at times be limited.

IP ADDRESS AND OTHER STANDARD INFORMATION

As is true of many websites, we or our third-party web analytics partners may gather certain information automatically and store it in log files or systems used by us. This information may include internet protocol (IP) addresses, device type, browser type, internet service provider (ISP), referring/exit pages, operating system, geo-location, date/time stamp, and/or clickstream data. We may combine this automatically collected log information with other information we collect about you. We do this to improve services we offer you as well as our marketing, analytics, and site functionality and to analyze trends and gather demographic information about our user base as a whole. We may also receive reports based on the use of these technologies by our web analytics partners on an individual as well as aggregated basis.

We collect your location based (geo-location) information for the purpose of optimizing your website experience. We will share this information with our mapping provider for the purpose of providing and optimizing this service for our visitors. You may opt-out of location-based services at any time by editing the setting on your device.

CUSTOMER INFORMATION IS CATEGORIZED IN THE FOLLOWING FIVE WAYS:

Identification Information — information that identifies you such as name, address, telephone number, email address and company name.

Transaction and Experience Information — information about transactions and account experience, as well as information about our communications with you. Examples include your inquiries and our responses.

Other General Information — information from outside sources, such as data from public records, that is not assembled or used for the purpose of determining eligibility for a product or service.

REGISTRATION

During the collection of information on the “Get Started“, “Subscription” or “Contact“ sections of our web site, users are required to give their contact information (such as name and e-mail address). E-mail address is primarily used to confirm the identity of the user. This information is also used to contact the users about the services on our site for which they have expressed interest.

CHILDREN’S AND MINOR’S PRIVACY

“CCMR3“ strongly encourages parents and guardians to supervise the online activities of their minor children and consider using parental control tools available from online services and software manufacturers to help provide a child-friendly online environment. These tools also can prevent minors from disclosing their name, address, and other personally identifiable information online without parental permission. Although the “CCMR3“ site is not intended for use by minors, “CCMR3“ respects the privacy of minors who may use the Internet. Whenever “CCMR3“ becomes aware that a user is under the age of 18 years, the following additional terms, conditions and notices apply to use of the “CCMR3“ site:

Users under 18 years of age may not submit information through the “CCMR3“ site. “CCMR3“ will not collect any personally identifiable information about a person that “CCMR3“ determines is under age 18, except with written consent from the person’s parent after informing the parent about the types of information “CCMR3“ will collect, how it will be used, and under what circumstances it will be disclosed.
“Personally, identifiable information“ collected from minors may include any of the information collected on the “Get Started“, “Subscription“ or “Contact“ sections of our web site, including their contact information (such as name and e-mail address), and may be used by “CCMR3“ for the same purposes as adult information, as described in this privacy statement.
A minor’s parent or legal guardian may request “CCMR3“ to provide a description of the personally identifiable information that “CCMR3“ has collected from the minor, as well as instruct “CCMR3“ to cease further use, maintenance and collection of personally identifiable information from the minor.

OPT OUT PROCEDURES

Users of www.capitalcollect.com may opt-out of receiving communications from “CCMR3“ at the point where “CCMR3“ requests personally identifiable information about the use. Contact info@capitalcollect.com to be removed from an e-mail list. If you are using an e-mail forwarding service or other similar service please make sure to include the correct e-mail address or addresses.

WHAT PERSONALLY IDENTIFIABLE INFORMATION OF YOURS IS COLLECTED THROUGH THE CCMR3 SERVICES

INFORMATION COLLECTION AND USE

The CCMR3 Services are not part of the Site. CCMR3 serves as a data processor for its business customers who use these services. CCMR3 does not own the information that is submitted to its’ business customers. The information that is submitted to its business customers will be subject to its business customers’ privacy policies.

In providing the CCMR3 Services, CCMR3 must process PII in order to conduct business activities. In most cases, this PII is sent to CCMR3 via encrypted email from their business customer. This PII includes names, addresses, email addresses, date of birth, social security number, and phone numbers. CCMR3 processes this information to ensure they are able to contact the accurate consumer to conduct the services the business customer is contracted for, and in order to verify the identity of the consumer to conduct business activities in accordance with applicable laws and regulations. Consequences of refusing to verify your PII during business activities might result in CCMR3 being unable to perform the CCMR3 Services.

CONSENT

A consumer inexplicitly consents to having their PII processed by CCMR3 through using our business customers’ services. CCMR3 only uses consumers’ PII for the purposes for which it has been collected from the business customers. It is the responsibility of the business customers to obtain explicit consent for the collection, use, and disclosure of a consumer’s PII and is subject to their privacy policies.

HOW INFORMATION MAY BE SHARED FROM THE SITE

HOW WE SHARE INFORMATION

We share information with our affiliates (members of our corporate family) or companies outside our corporate family that perform services on our behalf. We share information to process transactions, respond to your inquiries, or provide information about the products or services that we offer. We share information with companies that we have a special relationship with such as joint marketers. We share information with non-affiliates (companies outside our organization) that would like to offer you their products or services that might be of interest to you. We share data provided by customers and any verifying data collected in the application process.

The types of companies that we share information with include financial service providers such as mortgage bankers; securities brokers-dealers; insurance agents; other financial service providers.

In addition, we share information with non-financial companies such as direct marketers. The law permits us to share information about our current and former customers with government agencies or authorized third parties under certain circumstances. For example, we may be required to share such information in response to subpoenas or to comply with certain laws.

FORMER CUSTOMERS

We share information with non-affiliates (companies outside our organization) that would like to offer you their products or services that might be of interest to you. We share data provided by customers; credit history data; and any verifying data collected in the application process. The types of companies that we share information with include financial service providers such as mortgage bankers; securities brokers-dealers; insurance agents; other financial service providers (please specify below)

HOW INFORMATION MAY BE SHARED FROM THE CCMR3 SERVICES

HOW WE SHARE INFORMATION

As part of CCMR3’s services we may contract with third-party providers to perform certain functions of our business activities. An example includes using a third-party payment processing provider. In cases of onward transfer to third parties of PII, CCMR3 is potentially liable. These third parties may have access to PII to the extent necessary to permit them to do their jobs, however, they are bound by confidentiality agreements or similar contractual restrictions before any information is provided to them, and they are restricted from using the information for other purposes. CCMR3 contracts with third parties to ensure that such data may only be processed for limited and specific purposes consistent with law, and that the recipient will provide the same level of protection as is required by applicable law.

ACCESSING OR CORRECTING INACCURACIES FROM THE USE OF THE CCMR3 SITE

Keeping your account information accurate and up to date is very important. You have access to your account information, which includes your contact information, account balances and transactions and similar information, which we provide to you through various means and in response to specific requests. If your account information is incomplete, inaccurate or not current, please call or write to us at the telephone number or appropriate address for such changes listed on your account statement or other account materials. We will promptly update or correct any erroneous information.

ACCESSING OR CORRECTING INACCURACIES FROM THE CCMR3 SERVICES

If your request relates to accessing or correcting PII that we hold on behalf of a data controller, we will forward your request to the data controller for processing.

HOW WE PROTECT YOUR INFORMATION FOR THE SITE

CONFIDENTIALITY AND SECURITY

“CCMR3“ takes all necessary precautions to protect users’ PII both online and off-line.

We protect your PII off-line. Access to your PII is limited to employees who “CCMR3“ reasonably believes will need that information to provide services to you.

However, “CCMR3“ is not responsible for the confidentiality, security or distribution of your own PII by our partners and third parties outside the scope of our agreement with such partners and third parties.

LINKS

www.capitalcollect.com and associated sites may contain links to other sites. The linked sites are not necessarily under the control of “CCMR3“. Please be aware that “CCMR3“ is not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. If you decide to access any of the third-party sites linked to this site, you do this entirely at your own risk. Any links to any partner of the site should be the responsibility of the linking party, and “CCMR3“ shall not be responsible for notification of any change in name or location of any information of the site.

HOW WE PROTECT YOUR INFORMATION FOR THE CCMR3 SERVICES

SECURITY

To prevent unauthorized access or disclosure, to maintain data accuracy, and to allow only the appropriate use of your Personal Data, we utilize industry standard security controls to safeguard the information we collect. We follow generally accepted industry standards to protect Personal Data, both during transmission and once we receive it. However, you should recognize there is always some risk involved in transmission of information over email or in a method of electronic storage. Personal data is processed on servers based in the United States.

RETENTION

CCMR3 retains the PII it processes in accordance with applicable laws and regulations.

LEGAL REQUESTS

“CCMR3“ cooperates with law enforcement inquiries, as well as other third parties, to enforce laws and third-party rights, such as intellectual property rights and laws relating to fraud. Therefore, in response to a verified request by law enforcement or other government officials relating to a criminal investigation or alleged illegal activity, or other activity that may expose us or you to legal liability, we can (and you authorize us to) disclose your PII and other information about you as we, in our sole discretion, believe necessary or appropriate.

NOTIFICATION OF CHANGES

If we decide to change our privacy policy, we will post those changes on default so our users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. If at any point we decide to use personally identifiable information in a manner different from that stated at the time it was collected, we will notify users by way of an e-mail. Users which have provided personally identifiable information before the changes in our privacy policy will have a choice as to whether or not we use their information in this different manner. If the user chooses that we not use his/her personally identifiable information in accordance with the new privacy policy, we will use information in accordance with the privacy policy under which the information was originally collected.

As required by law, “CCMR3“ will review and update the Privacy Statement annually. This review includes reviewing methods of PII collection to confirm that PII is obtained fairly, without intimidation or deception, and lawfully. When a review is conducted, the date of the latest review and the date of the latest material change will be reflected above. To receive the most up-to-date Privacy Statement, you can visit our Web site or call us at 1-866-272-4035.