Schwartz Vays is providing this Privacy Notice to you to generally describe the non-public personal and financial information we gather about you, our privacy practices relating to such information, and how those practices relate to the protection, use and disclosure of your nonpublic personal information (your “Information”). Please review this notice carefully.
What Information Do We Collect?
Information we receive from you on applications, inquiries, or other forms, in written communications we receive from you or those acting on your behalf, and during verbal communications with you or those acting on your behalf. Such information may include:
- Your name
- Social Security Number
- Telephone number
- Other information that you provide
Information we receive about your account, whether from our affiliates or others. Such information may include:
- Account balance
- Payment history
- Account activity
Information we receive from consumer reporting agencies (such as credit scores and history) and other information relating to your creditworthiness.
How do We Use Your Information?
We do not use your Information for any purpose other than to service or manage your account(s) in the ordinary course of our business.
We only share your Information with affiliates or non-affiliated third parties to the extent necessary to assist us in servicing or managing your account(s) in the ordinary course of our business. This may include:
- Sharing information with companies to whom we may assign your account for servicing;
- Sharing information with companies that provide mailing services to us; and
- Sharing information with service providers that help us administer our database.
We restrict access to your Information to those employees or service providers who need to know that information to service your account(s). We maintain physical, electronic and procedural safeguards to protect your Information. When we use third parties to provide support services in order to help us service your account(s), we require them to conform to our privacy standards and we audit them for compliance with those standards. We require those third parties, and their employees, to restrict their use of your Information to the specific purpose for which it is shared. They are prohibited from sharing it with others except to fulfill that limited purpose.
Pursuant to the California Financial Information Privacy Act, we will not share Information we collect about California residents with nonaffiliates except as permitted by law, such as with a consumer’s consent or to service a consumer’s account. We will also limit the sharing of your Information with our affiliates to the extent required by California law.
In accordance with Vermont law, we will not share Information we collect about Vermont residents with nonaffiliates except as permitted by law, such as with a consumer’s consent or to service a consumer’s account. We will not share Information about creditworthiness among PRA’s affiliates except with the consent or authorization of the consumer.
Changes to Our Policy
We reserve the right to amend this Policy at our discretion and at any time. If we make changes to this Policy, we will notify you by email, mail, or through a notice on our website.
If you require additional information concerning this Policy, please contact us at:
Attn: Schwartz Vays
P.O. Box 381435
Miami, FL 33238