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Privacy Notice - United States

Your privacy is important to Bay Area Credit Service, LLC. The following Privacy Notice applies to current and former individual customers. We collect and use nonpublic personal information ("information") about you to conduct and manage our business.
Sources of this information include the following

  • Information we receive from your original creditor and from applications submitted by you to the original creditor.
  • Information we receive from you through correspondence or communication with us, whether by mail, telephone, or the Internet, and which may include your name, address, Social Security Number, assets, income, or other information you provide.
  • Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.
  • Information we receive from third parties, such as consumer reporting agencies

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act ("FDCPA"). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

We restrict access to nonpublic personal information about you to those employees who need to know that information to service your account or manage our business. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws. The effective date of this notice is December 13, 2007. It replaces all prior privacy policies issued by Bay Area Credit Service, LLC. We reserve the right to amend this privacy notice at any time and we will inform you of any changes to this notice as required by law.