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Privacy Policy

Last updated: 5.5.16

VantageAcceptance.com Online Privacy Policy
Last updated: 5.5.16

This Online Privacy Policy applies to www.vantageacceptance.com, owned and operated by Vantage Acceptance, Inc. (sometimes referred to as “Company”), and any Company affiliate or subsidiary online interface that links to this Policy, (each, a “Site,” and collectively, the “Sites”). This Policy describes how Company collects and uses the personal information you provide. It also describes the choices available to you regarding the use of, your access to, and how to update and correct your personal information.

Agreement to this Policy: By using this Site you consent to this Online Privacy Policy, including your consent to our use and disclosure of information about you in the manner described herein.
Notification of Privacy Statement Changes. We may update this policy from time to time as our information practices are modified or changed. If we make changes to the Privacy Policy, we will revise the “Last Updated” date above. Any changes to this Privacy policy will become effective when we post the revised Privacy Policy on the Site. Your use of the Site following these changes means that you accept the revised Privacy Policy.

What Does This Privacy Policy Cover?
This Privacy Policy covers what we do with any personal information you may submit or authorize us to obtain, as well as any other information that we may gather when you access any of our websites. This Privacy Policy also covers any of your personal and other information that any of our business partners may share with us.

Vantage Acceptance Inc. owns and operates several websites, including a number of websites and/or domains that point to one another. We may, from time to time, add additional websites and/or domains to our portfolio. Whether or not any particular site is specifically identified in this Privacy Policy, this Privacy Policy applies to any website owned and/or operated by Vantage Acceptance Inc. This notice also applies to all companies within the Vantage Acceptance Inc. family of companies. For more information about our family of companies you may contact us at the email or mailing address below.
Please note that our policies and procedures apply only to websites owned and/or operated by us and not to websites maintained by other companies or to any website to which we may link or to unrelated businesses with which we may share information.

What is “Personal Information”?
Personal information is any information that you provide to us or authorize us to obtain that identifies you, personally, or that can be logically associated with you. Examples of personal information would be your name, your address, your e-mail address and your Social Security Number. Demographic information such as gender, age, zip code, etc., is generally not considered personal information.

Why Do You Need To Collect My Personal Information?
We collect and use personal information to respond more completely to your requests for products and services we offer and those of our business partners, as well to service your relationship with us and any account you may have with us. We also collect personal and other information to make you aware of products and/or services that are likely to be of interest to you.

What Personal and Other Information Do You Collect and/or Maintain?
We collect and maintain the information you provide to us, such as:
• Any information you provide to us or to one of our business partners on applications or forms when you request a product or service, such as your income and accounts with others. This information may include your name, your address, your telephone number and, in some cases, your Social Security number. Depending upon the product or service you request, you may also be asked to provide additional information, such as the amount of your current unsecured debt and the identity of your creditors, information about your mortgage and other financial and personal information.
• Information we receive about your transactions with us, our affiliates or others, such as your account balance, payment history and credit card usage.
• Information we receive from a third party, such as a credit bureau, about your credit history or employment status.
• Information, such as your e-mail address, that you provide to us when you register to receive communications from us or when you communicate with us through our customer service facility, or otherwise correspond with us.

We also collect other, non-personal information, which is broadly defined as any information that is not and cannot be directly associated with you. An example of this type of non-personal information would be your zip code. In addition to the information we collect from you, we may also receive information about you from other on-line or offline sources. For example, if you provide us with personal information along with an appropriate authorization we may request and obtain a credit report and credit score.

How Do You Use The Personal and Other Information You Collect?
We use the personal information you supply to us, or that you authorize us to obtain from our family of companies and third parties for a number of purposes, such as to provide to you the service(s) or product(s) that you request, to service your account, and to keep you informed about services that may be of interest to you.

We may also use your personal and other information to enhance your experience on our website(s) by displaying content based on your preferences and/or to send information to you about additional products or services in which you may be interested. We may “depersonalize” your personal information to enable us to use that information, aggregated with the information of others, for research, analysis and modeling purposes.

We occasionally receive medical or health information from a customer if, for example, a customer lists a medical debt with us. We do not share medical or health information, including information received from third parties, among our companies, except to maintain accounts, process transactions or service customer requests to the extent permitted by law.

With Whom Do You Share My Information?
If you submit a request for a product or service, we will share the personal and other information you supply with those product and service providers that have agreed to participate in our network. Generally, these product and service providers are prohibited from using the information we provide to them for any other purpose, including using your information for other, unrelated marketing purposes.

By submitting your request you are consenting to being contacted by us or by our business partners, through any means, based on the information you provide to us, even if you have opted into the National Do Not Call List administered by the Federal Trade Commission, any state Do Not Call List or the Do Not Call List of any specific institution. If, after you are contacted by that product or service provider, you do not wish to be contacted by that person again you must make a specific request to the product or service provider, not to Vantage Acceptance, Inc.

As permitted by law, we may also share your personal and other information with a third party that provides a service or supplies a specific functionality to us, such as a call center operator. These service providers will be provided only with the information necessary for them to perform their functions and are not allowed to share any of the provided information with others for any purpose whatsoever.

Additionally, we may share your personal and other information within our family of companies for a number of purposes, for example, to process your requests and to keep you informed of services that may be of interest to you. Any person with whom we share your personal information is also required to comply with federal and state privacy regulations and will have its own privacy policies that should be made available to you at the time you are first contacted.

Are There Any Other Circumstances Where You Disclose My Information?
We may be required to share your information with law enforcement or government agencies in response to subpoenas, court orders or other forms of legal process. We may elect to share information when, in our reasonable judgment, such sharing is necessary or appropriate for the investigation or prevention of illegal activities, including actual or suspected fraud, real or potential threats to the physical safety of any person or otherwise as required by law.

In addition, if we are merged with, or acquired by, another company the successor company will have access to all of the information collected and maintained by us. In such a circumstance, the successor company would continue to be bound by the terms and conditions of this Privacy Policy.

How Do You Collect Information Online?
We collect certain types of non-personal information and technical data from each visitor to our website(s) through various means including the use of cookies and web beacons. For example, when you click on a banner advertisement or text link that is associated with one of our websites, the banner or text placement, along with the time of your visit, your Internet Protocol address and other path-related information, is sent to us. Similarly, the page requests you make when you visit our website(s) are stored and used by us. We use this information, none of which is or can be personally associated with you, for statistical and analytic purposes, to help us understand which page views are most appealing to our customers and to help us improve the likelihood that we will be able to offer you only products or services in which you have a genuine interest.

What Are Cookies?
“Cookies” are small files that are placed automatically on your computer system when you visit a website. Cookies enable a website to recognize you as a return visitor and, by keeping track of your website activity, help us identify which pages to serve to you while reducing the time it takes for those pages to load. Cookies enable us to personalize and enrich your experience and are not tied in any way to your personal information. If you do not wish to accept cookies or if you wish to remove cookies that remain in your browser following the close of your browser session, you may adjust the settings on your web browser to prevent cookies from being placed on your hard drive. Please review your web browser “Help” file to learn the proper way to modify your cookie settings.

Do You Use Any Other Advertising Technology?
We use third party advertising technology to serve ads on our website(s) and on the websites where we advertise. Generally, advertisements are served by ad networks, such as DoubleClick, that are independent of us. Third party servers may employ cookies or action tags to measure advertising effectiveness, target advertising to individuals and for other purposes. For more information about third party technology used to serve advertising, as well as to obtain software tools that will allow you to opt-out of targeted advertising, please visit the Network Advertising Initiative at http://www.networkadvising.org.

What Are Web Beacons?
“Web beacons” are, like cookies, small files that enable an ad server to recognize a visitor’s cookie when the visitor returns to a particular site. Web beacons may also be used in e-mail advertising to help track which e-mail messages have been opened. Web beacons are used to track the movement of visitors to our sites and, like cookies, are not tied to any personal information.

How Do You Safeguard The Information You Collect?
The security of your personal information is a very high priority for us and we take a number of steps to safeguard it. Some of the measures we take are:
• Limiting access to personal information to those employees who are critical to the delivery of products and services to you.
• Implementing appropriate physical, electronic and procedural safeguards to guard against unauthorized access or use.
• Requiring appropriate consents and protections from our business partners before we share any personally identifiable information.

Vantage Acceptance Inc. and its affiliates use commercially reasonable physical and technical security measures to protect all personal information in our possession. Sensitive information such as Social Security numbers are encrypted using secure sockets layer encryption from the time of your submission and while it is stored by us. We cannot, however, guarantee or warrant the absolute security of any system or that any information we hold will not be accessed, disclosed, altered or destroyed.

How Long Do You Retain My Personal Information?
We normally retain your personal information for a reasonable time after our customer relationship with you ends, and in any event, generally not less than one (1) year from the date we first collect it. For legal reasons, we may sometimes be required to retain personal information for a longer period. Under certain circumstances, Federal and/or state law may require us to retain your personal information for different periods of time.
We may disclose personal information about former customers to affiliated and other persons in the same way and of the same types as we disclose for customers.

Non-personal information may be retained indefinitely.

Do You Use My Personal Information to Contact Me Without Permission?
This Privacy Policy constitutes the Vantage Acceptance Inc. Do Not Call Policy under the Telephone Consumer Protection Act for all consumers and is pursuant to state law. When you talk with us by telephone your conversation may be monitored or recorded by us. We maintain an internal Do Not Call preference list. Do Not Call requests will be honored within 30 days and will be effective for at least five years from the date of the request. No telemarketing calls will be made to residential or cellular phone numbers that appear on the Do Not Call list.

Vantage Acceptance Inc. has a strict “anti-spam” policy for itself and its business partners and vendors. You will not receive Vantage Acceptance Inc. e-mails unless you submit your e-mail address to us or register on one of our websites to receive communications, such as our newsletter.

You may tell us not to solicit you at your postal mailing address, telephone number or e-mail address. If you elect not to receive marketing offers by postal mail, telephone and/or e-mail, please note that we may continue to contact you as necessary to service your account and for other non marketing purposes. We may also continue to provide marketing information in your regular account mailings and statements, including online and electronic communications.

Social Security Numbers
We do not often collect your Social Security number, but if we do our Privacy Policy (1) protects the confidentiality of Social Security numbers, (2) prohibits unlawful disclosure of Social Security numbers, and (3) limits access to Social Security numbers.

Testimonials
If you submit a testimonial to us, we will ask for your permission to post your testimonial prior to any public use. We will post your name as given to us in your testimonial. We may post a photo of you or use a stock photo. Please be aware that any personally identifiable information you submit as a testimonial to be posted can be read, collected, or used by the general public, and could be used to send you unsolicited messages. We are not responsible for the personally identifiable information you choose to include in any testimonial you choose to submit. If at any time you decide to remove your testimonial, please contact us via e-mail or postal mail.

How do we respond to Web browser “do not track” signals or other mechanisms that provide consumers the ability to exercise choice regarding the collection of personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services?

We currently do not respond to DNT signals in browsers because we do not track individual users across the web.
May other parties collect personally identifiable information about an individual consumer’s online activities over time and across different websites when they visit www.vantageacceptance.com?No.

Notice to California Residents
In response to a California law, we will automatically treat individuals with California addresses or telephone numbers (when disclosed to us) as if you requested us to not share your information with nonaffiliated third parties except as permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply with California privacy laws that apply to us.

Notice to Vermont Residents
In response to Vermont regulations, we automatically treat accounts with Vermont billing addresses as if you requested that we not share your information with nonaffiliated third parties, and that we limit the information we share with our affiliates. If we disclose information about you to nonaffiliated third parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and information about our transaction and experiences with you.

Notice to Users Outside of the United States
This Online Privacy Policy is intended to cover collection of information on our Sites from residents of the United States. If you are visiting our Sites from outside the United States, please be aware that your information may be transferred to, stored and processed in the United States where our servers are located and our central database is operated. The data protection and laws of the United States and other countries might not be as comprehensive as those in your country. By using our services, you understand that your information may be transferred to our facilities and those third -parties with whom we share it as described in this Notice.

A Special Note about Children’s Privacy
We do not knowingly collect, use or share personal information about visitors under 18 years of age. If you are under 18 years of age, you can use the products and/or services offered on our website(s) only in conjunction with your parents or guardians.

California Do Not Track Disclosures
Protecting Children’s Privacy Online
The Site is not directed to individuals under the age of thirteen (13), and we request that these individuals do not provide Personal Information through the Site. We do not knowingly collect information from children under 13 without parental consent. Visit the Federal Trade Commission website for more information about the Children’s Online Privacy Protection Act (COPPA). If you believe that we have received information from a child or other person who is not of a majority age in their relevant jurisdiction, please contact us at our email or physical mailing address listed in the “Contact Information” section below and we will take all reasonable efforts to remove the information.

Contact Information
You can contact us by writing or email us at the address below.

Vantage Acceptance, Inc.
5950 Canoga Avenue, Suite 300
Woodland Hills, CA 91367
Info@debtsvc.com

Please print and retain a copy of this privacy policy for your records.

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