Your privacy is important to us. The following Privacy Notice applies to individual consumers whose information we obtain while providing services to and/or on behalf of our clients. We collect and use personally identifiable information (“information”) about you to conduct and manage our business.

Sources of this information may include the following:

• Information we receive from the entity on whose behalf we provide services (the "client") and from information or applications submitted by you to the client;
• Information we receive from you through correspondence or communication with us, whether by mail, email, telephone, or the Internet, and which may include your name, address, Social Security number, driver license or vehicle registration information, 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; and
• Information we receive from third parties, such as consumer reporting agencies.

The types of personally identifiable information about you that we collect on our websites, from others, affiliates or other companies include the following:

• Contact information such as your name, address, email address, or telephone number.
• Identification information such as a Social Security number, an account number, driver license or vehicle registration information.
• Financial information such as income, assets, liabilities, or account and payment information.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by applicable law, including the federal Drivers Privacy Protection Act (“DPPA”) and/or the federal Fair Debt Collection Practices Act ("FDCPA") if applicable. We may share information we collect with third parties that provide mailing and/or other servicing and/or 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 applicable law (including the DPPA and FDCPA, if applicable), we may also share your information with our affiliates and non-affiliated third parties.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. You may have other privacy protections under state laws. These measures include computer safeguards and secured files and buildings. The only employees who are authorized to see your personal information are those who need it as part of their jobs.

We may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use our site or open an email from us. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to our site. You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our site may not work properly. To the extent permitted by applicable law, third parties, including our service providers, may collect information about your online activities over time and across different sites, including when you visit our site. Some browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "do not track" signals.

We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

The effective date of this notice is January 1, 2020. It replaces all prior privacy policies issued by us. We reserve the right to amend this privacy notice at any time and we will inform you of any changes to this notice by posting the revised privacy notice on our website, or as otherwise required by law.