The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m.  They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work.  For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt.  Collectors may contact another person to confirm your location or enforce a judgement.  For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

CCPA Privacy Notice

Your privacy is important to us. This policy covers how FDR Alliance collects, uses, maintains and discloses your personal information.

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 FDR Alliance may collect and how we use it: 

• When an account is transferred to FDR Alliance the creditor provides a variety of information including, but 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, or other channel.  For example, when you access FDR Alliance web applications and fill out a form and provide information such as your first and last name, email address, mailing address, phone number and/or other personal identifying information, this information may be retained.

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 FDR Alliance 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 for any 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 FDR Alliance we use the information we receive to evaluate your candidacy and contact you.

Our emails may contain pixel tags. Depending on your email provider, pixel tags can enable us to tell us whether the email has been opened.  If you prefer not to be tracked in this way, you should not open our emails.

FDR Alliance’s web applications may also use cookies to gather information so that we can improve the effectiveness of our services.  You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent but some parts of the website may not function properly without accepting cookies.  

Sources of Personal Information

We received your personal information from the party placing your account with FDR Alliance 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 FDR Alliance 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 FDR Alliance 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.

Selling Personal Information

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

FDR Alliance will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law.  When assessing these periods we only retain it for the shortest possible period unless a longer retention period is required by law. 

How we protect your information

FDR Alliance takes data security seriously.  We seek to implement the best practices in data collection, storage, processing, and security to protect against unauthorized access and disclosure. FDR Alliance protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES. When your personal data is stored by FDR Alliance, 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 FDR Alliance 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.

Third Party Websites

You may find links to third party websites on the FDR Alliance’s 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 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).  Once our legal obligation to keep your personal information has expired, we delete the information from our systems in accordance with our data retention policies and procedures.  

CONTACTING US/CALIFORNIA CONSUMER PRIVACY ACT

If you have any questions about this policy, please contact us at:

Phone: 1-800-371-7217

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE HTTPS://COAG.GOV/OFFICE-SECTIONS/CONSUMER-PROTECTION/CONSUMER-CREDIT-UNIT/COLLECTION-AGENCY-REGULATION/. 

You have the right to request all of the following concerning your debt:
(1) Documentation of the name of the original creditor as well as the name of the current creditor or owner of your debt;
(2) Your last account number with the original creditor;
(3) A copy of the signed contract, signed application, or other documents providing evidence of your liability and its terms;
(4) The date that your debt was incurred;
(5) The date of your last payment, if applicable; and
(6) An itemized accounting of the amount claimed to be owed, including the amount of the principal, the amount of any interest, fees, or charges, and whether the charges were imposed by the original creditor, a debt collector, or a subsequent owner of the debt.
You may request the above information by contacting us by phone, mail, at the following: 1-800-371-7217, 125 Town Park Drive, Suite 300, Kennesaw, Georgia 30144 

You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request.  You may terminate this request by writing to the creditor.

This collection agency is licensed by the Minnesota Department of Commerce.

This collection agency is licensed by New York City Department of Consumer Affairs, License #2105660-DCA

The  New York City Department of Consumer Affairs requires us to request and document your preferred language. You may inform us of your language preference by contacting us at 833-875-0653. Also, a translation and description of commonly used debt collection terms is available in multiple languages on the Department’s website, www.nyc.gov/dca.

FDR Alliance conducts its business in English but also offers limited verbal and written translations and services in Spanish on most accounts/clients. Please note that we cannot guarantee our verbal translation and support services/language access services will be available in Spanish during all business hours, and they may not be offered or available for certain accounts. If not available, we will communicate with you in English.

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass. If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days. N.Y. Comp. Codes R. & Regs. tit. 23, § 1.2(a) (2014).  

This collection agency is licensed by the City of Buffalo, NY license 

This collection agency is licensed by the City of Yonkers, NY license 

This collection agency is licensed by the North Carolina Department of Insurance, Company # 518904708: 

This collection agency is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.