PRIVACY NOTICE

ERC values your right to privacy. Our privacy policy covers how ERC gathers, uses, retains, and discloses your personal information. We have included this Privacy Policy in our Terms of Use. Any changes made when we update this privacy statement take effect right away.

For any updates, we strongly advise you to visit this page regularly. As a registered user, you understand and agree that you must keep a working email on file, regularly review this Site and Privacy Policy, and be informed of any updates. You will be deemed to have acknowledged and accepted the amended policy and agreed to abide by and be bound by the modified policy if you continue to use the Site following such adjustments.

Personal Information We Collect

Information that can be used to identify or contact you is known as personal identifying information.

For Consumers in Collection

We gather personal data to offer and enhance our services. The majority of the data we have was given to us by the creditor and directly acquired through calls, emails, consumer account sites, and payment portals accessed via links in emails or text messages (collectively, “Web Applications”).

Here are some examples of the types of personal information we may collect about consumers in collection:

• A range of data, including but not limited to complete name, date of birth, social security number, phone number, address, email address, account number, original creditor, current creditor, amount, and payment history, is provided by the creditor when an account is moved to ERC.
• Whether you contact us directly through a phone call, email, SMS, web application, or another method, we may collect whatever information you give us. You might provide information like your first and last name, email address, mailing address, phone number, credit card information, or other personally identifying information when you use ERC Web Applications to fill out forms or sign up for payment plans.
• Internet Protocol (IP) address, browser type, and language, Internet service provider (ISP), type of computer, operating system, date/time stamp, user interface interaction data (such as but not limited to, any mouse clicks or navigation on our emails and Web Applications), uniform resource locator (URL) information (showing the URL you came from), and other information may be collected and stored in log files when you access ERC emails or our Web Applications.
• Internet Protocol (IP) address, location, browser type and language, Internet service provider (ISP), type of computer, operating system, date/time stamp, user interface interaction data (such as but not limited to, any mouse clicks or navigation on our emails and Web Applications), uniform resource locator (URL) information, and other information may be collected when you access our website (showing where you came from or where you go to next).

Retention of Your Personal Data

The Company will only keep your personal information for as long as it takes to accomplish the goals outlined in this privacy statement. To the extent necessary to meet our legal duties (for instance, if relevant laws compel us to keep your data on file), resolve disputes, and uphold our agreements and policies, we will keep and use your personal data.

Usage Data is typically held for only a short while. However, information may be kept longer if necessary to comply with legal obligations, resolve disputes, or enhance the performance of Our Service. The Company will also keep Usage Data for internal analysis needs.

Disclosure of Your Personal Data

1) Business Transactions

Your Personal Data may be transferred if the Company merges, acquires, or sells assets. Before Your Personal Data is moved and is subject to a new Privacy Policy, we will notify you.

2) Law enforcement

The Company may occasionally be obliged by law to divulge Your Personal Data or in response to legitimate government requests for the information (e.g., a court or a government agency).

3) Other legal requirements

The Company may disclose Your Personal Data in the good faith belief that such action is necessary to:

• Comply with a legal obligation
• Protect and defend the rights or property of the Company
• Prevent or investigate possible wrongdoing in connection with the Service
• Protect the personal safety of Users of the Service or the public
• Protect against legal liability

4) Security of Your Personal Data: 

Although We care about the security of Your Personal Data, keep in mind that no method of electronic data transmission over the Internet or technique of electronic data storage is 100% safe. While We Make Every Effort to Protect Your Personal Data Using Commercially Acceptable Means, We Cannot Guarantee Its Complete Security.