Personal Information We Collect
Personal identification information is data that can be used to identify or contact you.
In order to provide and improve our services, we collect personal information. Most of the information we have is provided to us by the creditor and/or collected directly through the use of our services, emails, web applications, and phone calls.
Here are some examples of the types of personal information PFC may collect and how we use it:
- When an account is transferred to PFC the creditor provides a variety of information which may include, but is not limited to: full name, date of birth, social security number, phone number, address, email address, account number, original creditor, current creditor, balance, payment history.
- We may collect any information that you provide to us directly whether you contact us by phone, email, sms, web applications, or any other channel. For example, when you access PFC web applications and fill out a form or sign up for a payment plan and provide information such as your first and last name, email address, mailing address, phone number, credit card information and/or other personal identifying information.
- When you access PFC emails or our web applications we may collect a variety of information and store it in log files, including, but not limited to Internet Protocol (IP) address, browser type and language, Internet service provider (ISP), type of computer, operating system, date/time stamp, user interface interaction data (such as, but not limited to, any mouse clicks or navigation on our emails and web applications), uniform resource locator (URL) information (showing where you came from or where you go to next), email open rates, credit card, bank account information.
Using Personal Information
We use personal information to properly identify the specific consumers for whom we provide our services, to provide and improve our services, to analyze trends, administer our web applications, learn about user behavior on our emails and web applications, to comply with state, federal and local laws and to demonstrate compliance with those laws.
Here are some examples of how PFC uses personal information:
- We use personal information to send you communications about your account.
- We use your personal information to verify your identity. For example, when you contact our office you will be asked to provide your personal information so that we can verify your identity and account. We may ask you to provide your full name, address, email address, or other identifying information. You can always refuse to supply personal information, except that we may not be able to communicate if we are unable to verify your identity and/or account.
- We use personal information to process payments and other account activity you authorize.
- We use personal information to help us create, develop and improve our content and services, including through internal auditing and data analysis.
- If you apply for a job at PFC we use the information we receive to evaluate your candidacy and contact you.
In our emails we may use pixel tags. Depending on your email provider, pixel tags can enable us to tell whether the email has been opened. If you prefer not to be tracked in this way, you should not open our emails or opt-out of receiving our emails.
In most of our email messages, we use a “click-through URL” linked to webpages on the PFC site and some linked to web pages on third-party sites (see Third-Party Websites below). We track this click-through data to help us determine interest in particular topics and measure the effectiveness of our customer communications. If you prefer not to be tracked in this way, you should not click text or graphic links in the email messages.
Sources of Personal Information
We received your personal information from the party placing your account with PFC for services, such as the creditor, current creditor or servicer.
We also receive information from you directly either through a phone call, email correspondence and/or through visits to our web applications.
We also sometimes receive information from third party vendors who help us confirm the validity of our information as it relates to address, phone number, bankruptcy, and deceased information.
If you are a potential candidate for employment with PFC, we may have received your personal information from a recruiter or external website.
Disclosure to Third Parties
We only share personal information with a limited number of third party service providers who help us provide our services, including, but not limited to, payment processing, mailing, information verification, managing and enhancing customer data, improving our product and services. When we share information, we require those third parties to handle it in accordance with relevant laws. We also only share the minimum amount of information necessary for the particular third party to assist us in providing our services.
Here are some examples of how PFC shares personal information:
- For payment processing, we share your credit card or bank information to the card-issuing bank to complete the payment you authorized.
- For content delivery, we share your email address, physical address, or phone number with the delivery service to deliver any communication, message, or requested account documents.
- For collectability, we share name and address to ensure no bankruptcy, deceased, address or phone number changes have occurred since we received the account.
- For debt collection licensing, we share account information with state regulators conducting an audit pursuant to state or federal licensing statutes.
- We may be occasionally required by law enforcement or judicial authorities to provide information. We will disclose personal information pursuant to a court order, subpoena, or to cooperate with a law enforcement investigation.
We may also be required by law to provide your information to a local, state or federal government authority or court. We will only disclose information in these instances when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer any and all personal information we collect to the relevant third party.
We may share generic aggregated demographic information not linked to any personally identifiable information with our clients, potential clients, and federal, state and local regulators regarding visitors and users, and their interaction with our products and services.
We do not sell personal information. We do not allow our third-party service providers to sell this information or otherwise use it for marketing purposes.
Integrity and Retention of Personal Information
PFC will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law.
Access to Personal Information
You can help ensure that your contact information and preferences are accurate, complete, and up to date.
To request that we correct the data if it is inaccurate email firstname.lastname@example.org or call 1-855-267-7451. You can also request we delete the data if we are not required to retain it for legitimate business purposes or by law.
How We Protect Your Information
PFC is serious about data security. We seek to implement the best practices in data collection, storage, processing, and security to protect against unauthorized access and disclosure. PFC protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES 256. When your personal data is stored by PFC, we use computer systems with limited access housed in facilities using physical security measures.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that: there are security and privacy limitations beyond our control; the security, integrity, and privacy of any and all information exchanged between PFC and our customers cannot be fully guaranteed; and any such information and data may be viewed or tampered with in transit by a third party.
You may find links to third party websites on the PFC web applications. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website is subject to that website’s own terms and policies.
How We Delete
We are required to keep your data due to the underlying contractual relationship between you and the creditor. We are also required to keep the personal information for legal reasons for at least as long as the statute of limitations period lasts for the type of account in collections and for other statutory obligations which sometimes are longer (such as a state licensing statute requiring us to maintain records for a certain period of time or the statute of limitations for a consumer financial law).
California Consumer Privacy Act
Requests to Know or Delete
For California consumers email email@example.com or call 1-855-267-7451 to exercise your rights.
Direct Creditor Requests
Information concerning how you can exercise your rights directly with the creditor or current creditor of your account can be found on such creditors’ websites directly.