We restrict access to Customer Information about you to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your Customer Information. Whenever we hire other organizations to provide support services, we require them to conform to our privacy standards and to allow us to audit them for compliance.
We obtain Customer Information about you as permitted by law from: applications or other forms you have filled out; your transactions with us, prior owners of your account, our affiliates, or others; and consumer reports (including credit reports). This information may include your name, your address, your social security number, your current and former employers, your payment history and your account balances.
USING INFORMATION IN CONNECTION WITH THE COLLECTION OF DEBT
If we want to use any of the Customer Information we have obtained about you in connection with the collection of debt, we can only communicate that information with your express permission, or with the express permission of a court, or to you, your attorney, the creditor to whom you owe the debt, that creditor’s attorney, our own attorney, or as otherwise permitted by the federal Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. You do not have to to anything in order to limit our use and sharing of your customer information in connection with the collection of a debt.
USING INFORMATION FOR OTHER PURPOSES AS PERMITTED BY LAW
- We may also use or share any of the Customer Information we have obtained about you for purposes other than the collection of debt, as permitted by law. This may include the following:
- The Gramm-Leach-Bliley Act allows us to share Customer Information with non-affiliated third parties in certain circumstances such as with companies that provide services to us or that help us administer your account, in connection with the sale of our business assets, to respond to court orders, and if the sharing is necessary for us to be in compliance with law.
- The Fair Credit Reporting Act allows us to share information about your account with credit bureaus under certain circumstances.
- The Fair Debt Collection Practices Act allows financial institutions and other businesses to share basic information concerning individuals’ locations with each other for limited purposes (“skip-tracing”), and Southwest Recovery Services , Inc. both initiates and responds to skip-tracing requests as permitted by law.