Privacy Policy

Who We Are

We are Collections Marketing Center. Our corporate office is located at 300 Water Street, Wilmington, DE 19801. Please see our contact section for more information.

Protecting Your Privacy

We recognize that protecting privacy is one of the fundamental responsibilities we have to website visitors, our customers and potential customers. We want you to understand what information we collect and how we use it.

Because you trust us to use your information in this manner, we follow the following privacy guidelines:

Information We May Collect

We may collect from you and our customers the following types of "personally identifiable information" about you:

• Personally Identifying Information - information we receive from you, our Affiliates or our Non-Affiliates such as name, address, postcode, telephone number, e-mail address, or other customer-specified identifiers.
• Application Information - information we, our Affiliates or Non-Affiliates receive from you on applications or other loan and account forms such as birth date, employment status, income, and home ownership.
• Transaction Information - information about your transactions with us our Affiliates or our Non-Affiliates, such as your account, payment and balance history.
• Third Party Information - information we receive from third parties (credit bureaus and other data providers) such as your relationship history, credit histories and credit scores.

"Personally identifiable information" is information about you that is generally not publicly available and that we obtain in connection with providing a service to you, our Affiliates or our Non-Affiliates.

"Affiliates" are members of our corporate family and as such are companies related to us by common ownership or control. "Non-Affiliates" are third parties, including our customers, that are not members of our corporate family.

Examples of Affiliates and Non-Affiliates may include: (i) Financial service providers such as banks, credit card providers, mortgage and student lenders, auto finance companies and insurance entities; and (ii) Non-financial companies such utilities, telecommunications companies, healthcare providers, and retailers.

Information We May Disclose

We may disclose the personally identifiable information we collect about you to our "Affiliates" and "Non-Affiliates" for collections purposes. We also may disclose this information to service providers and companies that perform services on our behalf or to other companies with which we have a joint marketing alliance.

We also may share information with "Affiliates" and "Non-Affiliates" as permitted by law in other appropriate situations, such as:

• With credit bureaus or other similar reporting agencies;
• With regulatory agencies and auditors;
• When we might sell or merge parts of our business; and
• As required or allowed by law (e.g. subpoenas) or regulations (e.g. Fair Debt Collection Practices Act or Gramm-Leach Bliley).

Protecting Personally Identifiable Information

We are committed to maintaining the security of information under our control. We have taken security measures, consistent with international practices, to protect your personal information. To try to protect against unauthorized access, maintain data accuracy and integrity and ensure correct use of information, we have put in place industry-accepted physical, technical and administrative practices to safeguard and secure the information we collect.

When you visit our website, we use.Cookies. which are small pieces of information that are stored by your browser on your computer.s hard drive. This site uses first- and third-party cookies (session and persistent) to collect and store only the following information, which is not personally identifiable: your requesting IP (Internet address); the type of equipment you used to access our website (PC, Macintosh, WebTV, etc.); the type of browser you used (Internet Explorer, Netscape, etc.); the date and time of your visit; and any links or URLs you may have used to access our website. We use this information to learn more about how many people visit our website, how they accessed our website, how our website is utilized, and to help us make our website more accessible and useful for future visitors.

When visiting our website, you may also choose to provide us with personally identifying information. This is done when you inquire about our products or services. We will use the information you provide only to evaluate and respond to your inquiry.

We keep your information secure. When you provide information to us, it is encrypted and then sent through a "secure session" established with Secure Socket Layer (SSL). This technology protects your information while it is transferred over the Internet. However, there are no information security safeguards available that will absolutely guarantee the security of information transmitted over the internet or stored and processed on information systems. We will do our best to protect your personally identifiable information by employing industry accepted safeguards to secure your information and endeavor to prevent unauthorized access.

Your Choices

We believe you should have the right to choose how we manage the information you provide to us and how we communicate with you. You have the following choices:

• You may direct us not to disclose personally identifiable information that you provide to us (other than disclosures permitted by law).
• You may direct us not to contact you about promotional offers by telephone.
• You may direct us not to send you promotional offers by e-mail.
• You may direct us not to send you promotional offers by mail (other than with your account statement).

However, we will continue sharing your personally identifiable information as permitted by law or when you give your consent to us our Affiliated or our Non-Affiliates

Access and Correction

We know the importance of accurate data. Therefore, we strive to maintain the accuracy of the information collected through this website. We will provide you (whether you are a consumer or a customer) with access to personally-identifiable information you provide through this website for as long as we maintain that information in a readily accessible format. Similarly, we permit and encourage you to correct inaccuracies in the information you submit to us through this website.

If you wish to access information that you have submitted through this website or to request the correction of any inaccurate information you have submitted through this website, please use the mechanisms provided by the website or please contact our privacy official by mail at the address above, by email at privacy@collectionsmarketing.com or by telephone at 866-435-6098.

The access and correction provisions of this online privacy policy only apply to personally identifiable information collected from you through this web website. Individuals that are interested in information about how to access and/or request the correction of personal information CMC maintains about them for potential inclusion in information services or products, please contact our privacy official by mail at the address above, by email at privacy@collectionsmarketing.com or by telephone at 866-435-6098.

Adherence to the Safe Harbor Principles

We adhere to the Safe Harbor Principles established by the U.S. Department of Commerce and approved by the European Commission. We conducted a self-assessment to verify that we are in compliance with the Safe Harbor Privacy Principles and will continue to perform periodic assessments to ensure compliance. We have certified to the U.S. Department of Commerce that our processing of personal data is in compliance with the Safe Harbor Principles. For more information about the Safe Harbor, please refer to the U.S. Department of Commerce.s Safe Harbor website at http://www.export.gov/safeHarbor/.

In order to comply with the Safe Harbor Principles, we are committed to the resolution of complaints about your privacy and our collection or use of your personal information. We have committed to resolve any complaints by European Union citizens relating to this Privacy Policy, which cannot be resolved directly with us, through the American Arbitration Association (AAA) under its Commercial Arbitration Rules and Mediation Procedures.

Updates to the Privacy Policy

We may, at our sole discretion, update this Policy at any time and from time to time, by posting the amended Policy. The revised or amended Policy shall be effective upon posting. Any access to or use of the website following such update shall be deemed consent by you to such update. You are therefore encouraged to refer back to this page regularly. This Policy may not be otherwise amended without our written consent.

February 23rd, 2009