Privacy Policy

Creditors Management Solutions  is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your personal information when you interact with our debt collection services. By engaging with our services or providing us with your information, you agree to the practices outlined in this policy.

Information We Collect

We may collect and process the following types of personal information:

• Personal Identification Information: Name, address, email address, phone number, social security number (if applicable), and other information that can be used to identify you.
• Financial Information: Account details, outstanding debt amounts, payment history, and other financial data relevant to your debt collection process.
• Communication Records: Phone calls, emails, and other forms of communication exchanged between you and our agency.
• Legal Information: Court orders, judgments, and other legal records related to your account.

How We Use Your Information

We use your personal information for the following purposes:

• To communicate with you regarding your debt or financial obligations.
• To verify your identity and assess your debt recovery options.
• To collect and process payments related to your debt.
• To comply with legal and regulatory obligations.
• To respond to customer inquiries or disputes.
• To improve our debt collection practices and ensure compliance with industry standards.

Sharing Your Information

We may share your personal information with third parties, including:

• Service Providers: We may disclose your information to third-party companies that assist in the debt collection process, such as payment processors, data storage services, or legal advisors.
• Credit Bureaus: We may report certain information about your account to credit bureaus to comply with credit reporting obligations.
• Legal Authorities: We may disclose your information to law enforcement agencies or regulatory authorities if required by law or in connection with legal proceedings.
• Debt Purchasers: In certain cases, we may sell or transfer your account to another party that may continue the collection process.

Data Security

We employ reasonable administrative, technical, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Your Rights

Depending on your jurisdiction, you may have certain rights regarding your personal information, including:

• Access: You may request access to the personal information we hold about you.
• Correction: You may request correction of inaccurate or incomplete personal information.
• Deletion: You may request that we delete your personal information, subject to legal and contractual obligations.
• Opt-Out: You may opt out of certain communications, such as marketing or non-essential updates.

To exercise your rights, please contact us using the information provided below.

Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law, whichever is longer. After that period, we will securely dispose of or anonymize your information.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the date of the most recent revision will be reflected at the top of the policy. We encourage you to review this policy periodically for any updates.