Privacy Policy

FirstCredit, Inc. (FCI) is providing this Privacy Policy to you so that you understand how we use the information you provide. Privacy is our primary concern for users of our online services. What data do we collect and Data Collection Policy:

I. We record email contact information strictly for our internal use. We do not sell or distribute personal information.

II. We send confirmation emails regarding payments and certain types of maintenance. Confirmation emails help guard against fraudulent use of the system.

III. We record your use of the system to the extent we are aware of when log-in occurs. We also keep statistics about how the system is used. This information helps us plan better services and improve system performance.

IV. We use encrypted transmission (Secure Socket Layer - SSL) for all transactions on our billing site.

V. We use cookies for our internal use only. They are required to maintain session information.

VI. We do not share cookies with any outside agency.

VII. We do not place shared cookies or customer profiling banner ads on our pages.

VIII. We do not retain credit card information (unless you specifically tell us to for your convenience) except for audit trails which are used to prove transactions. The audit trails have portions of the card number marked out for enhanced privacy.

Furthermore, we will comply with Government guidelines, or laws, regarding protection of your privacy both now and in the future.

FCI reserves the right to change this Privacy Policy from time to time at its discretion. Users will be notified of any changes in writing, the changes will be posted herein and will be effective thirty (30) days after notice of the changes. The User’s continued use of FCI Services after notice of changes to this Privacy Policy constitutes acceptance of all changes, unless otherwise agreed by the Parties. This Privacy Policy is subject to any applicable privacy laws. If you have further questions about our Privacy Policy or anything contained therein, please contact FCI at:

FirstCredit, Inc. (FCI)

PO Box 13283

Akron, Ohio 44334

(800) 871-1840

support@collecitoncentral.com

THIS SECTION DOES NOT APPLY TO INFORMATION THAT FIRSTCREDIT, INC. (FCI) SENDS IN THE COURSE OF PROVIDING FCI SERVICES ON BEHALF OF PARTNERS. PARTNERS HAVE AND RETAIN ALL RESPONSIBILITY FOR ALL CONTENT OF PARTNER MESSAGES SENT TO USERS.

Children’s Privacy

Our website is not directed to children under the age of 13. We do not knowingly collect personal information from children under 13. If we become aware that we have inadvertently received personal information from a user under the age of 13, we will delete such information from our records promptly. If you believe that a child under 13 may have provided us with personal information, please contact us.

B. California Privacy Addendum

B.1. California Consumer Privacy Act. The California Consumer Privacy Act (“CCPA”) gives California residents the right to know what information is collected about them and the right to access and delete that information within certain limitations. They also have the right to tell companies not to sell personal information about them. FCI does not sell any personal information. Consumers may not be discriminated against for invoking these rights. FCI is aware of and complies with all rights and obligations of the CCPA and other relevant law.

B.2. Personal Information. FCI describes certain specific pieces of Personal Information we collect and how we use them in our Privacy Policy. The data we collect will, of course, depend on the User’s interactions with us as well as the products and services it purchases. The CCPA requires us to tell Users about the categories of Personal Information we collect about a User. FCI collects Personal Information as that term is defined within its Privacy Policy. We use the Personal Information we collect consistent with the relevant business and commercial purposes as they are defined under the CCPA. Service providers we use to provide FCI Services on our behalf may also use information for the same purposes. “Business and commercial purposes” includes providing services to Users, communicating with Users and providing customer service, User experiences, improving our services, providing marketing and advertising, debugging, auditing our processes and services, short-term transient uses, research, security, fraud, and legal compliance purposes.

B.3. Right to Access. California Users have the right to request access to the specific pieces and categories of User Personal Information we have collected for the preceding twelve (12) months, and such requests are limited to one (1) request per calendar year. FCI’s Privacy Policy defines the categories of sources we collect personal information from, the business or commercial purposes for collecting personal information, and the categories of third parties we share personal information with.

B.4. Right to Delete. Requests for FCI to delete User Personal Information are subject to exemptions under the CCPA. We will retain certain information required for security, legal, or other business or commercial purposes in accordance with FCI’s Data Retention policy and securely delete Personal Information at the end of the retention period in conjunction with FCI’s Data Destruction policy. All Personal Information that FCI collects and retains is used to provide the FCI Services and for related purposes as described in our Privacy Policy.

B.5. User Right to “Do Not Sell.” The CCPA gives California residents the right to say no to the sale of Personal Information. FCI does not sell User Personal Information, as that term is defined based on our understanding of the CCPA and its implementing regulations, except when required by law or otherwise permissible under the Agreement. We also do not provide Personal Information to third parties for monetary or other valuable consideration. We share certain information with third parties doing work on our behalf for business purposes described herein.

B.6. Discrimination. If a User exercises any of the rights described herein, FCI will not discriminate against the User by denying FCI Services, charging different prices or rates for FCI Services, or altering the quality of the FCI Services provided.

B.7. Where to Exercise Rights. If a User or an authorized agent would like to exercise rights under this Privacy Policy, the User may contact FCI at the contact information identified in Section A.8. FCI will verify the User’s identity before fulfilling any requests.

B.8. Do Not Track Notice. FCI does not track its Users over time and across third-party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third-party sites do keep track of a user’s browsing activities when they provide content. Most web browsers allow a user to set the DNT signal on your browser so that third parties know you do not want to be tracked.

C. Nevada and Vermont Privacy Addendum

C.1. Nevada Privacy Rights. Nevada law allows Users to opt out of the sale of Personal Information by online service providers such as website operators. Nevada law defines “sale” as the exchange of certain personally identifiable information for money, where the recipient also intends to sell that information. Personal identifiable information includes name, address, phone number, Social Security number, or any identifier that can be used to contact a consumer electronically. To submit a written request for FCI refrain from selling any personal information collected, please email support@collecioncentral.com.

C.2. Vermont Privacy Rights. Vermont’s current law requires data brokers, defined as businesses that knowingly collect and license the personal information of consumers with whom such businesses do not have a direct relationship, to register annually with the Secretary of State. FCI does not consider itself to fall under the definition of a “data broker.” FCI’s data collection procedures are identified within its Privacy Policy. FCI has implemented and maintains a written information security program containing administrative, technical, and physical safeguards to protect personally identifiable information.

BY USING THIS WEBSITE, YOU ACCEPT THESE TERMS.

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