Last updated September 28, 2022
Personal Information We Collect
Personal identification information is data that can be used to identify or contact you.
In order to provide and improve our services, we collect personal information. Most of the information we have is provided to us by the creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you apply for a job at ERC or sign up for our newsletters, webinars or any of our client-directed resources, we collect the information you provide on the forms.
Here are some examples of the types of personal information ERC may collect and how we use it:
Using Personal Information
We use personal information to properly identify the specific consumers for whom we provide our services, to provide and improve our services, to analyze trends, administer our web applications, learn about user behavior on our emails and web applications, to comply with state, federal and local laws and to demonstrate compliance with those laws.
Here are some examples of how ERC uses personal information:
In all of our emails we use pixel tags. Depending on your email provider, pixel tags can enable us to tell us whether the email has been opened. If you prefer not to be tracked in this way, you should not open our emails.
In most of our email messages, we use a “click-through URL” linked to webpages on the ERC site and some linked to web pages on third party sites (see Third Party Websites below). We track this click-through data to help us determine interest in particular topics, measure the effectiveness of our customer communications, and send you emails related to your activity on our website. If you prefer not to be tracked in this way, you should not click text or graphic links in the email messages.
Sources of Personal Information
We received your personal information from the party placing your account with ERC for services, such as the creditor, current creditor or servicer.
We also receive information from you directly either through a phone call, email correspondence and/or through visits to our web applications.
We also sometimes receive information from third party vendors who help us confirm the validity of our information as it relates to address, phone number, bankruptcy, and deceased information.
If you are a potential candidate for employment with ERC, we may have received your personal information from a recruiter or external website.
If you are a potential client and have expressed interest in ERC’s services or we think you have a legitimate business need for our services, we may have received your information from a lead-generation service or external website such as Zoominfo or LinkedIn.
Disclosure to Third Parties
We only share personal information with a limited number of third party service providers who help us provide our services, including, but not limited to, payment processing, mailing, information verification, managing and enhancing customer data, improving our product and services. When we share information, we require those third parties to handle it in accordance with relevant laws. If you so authorize, we also may share your email or other information you permit with our affiliates.
When sharing we only share the minimum amount of information necessary for the particular third party to assist us in providing our services. Here are some examples of how ERC shares personal information:
We may also be required by law to provide your information to a local, state or federal government authority or court. We will only disclose information in these instances when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer any and all personal information we collect to the relevant third party.
We may share generic aggregated demographic information not linked to any personally identifiable information with our clients, potential clients, and federal, state and local regulators regarding visitors and users, and their interaction with our products and services.
We do not sell personal information. We do not allow our third-party service providers to sell this information or otherwise use it for marketing purposes.
Integrity and Retention of Personal Information
ERC will retain your personal information for the period required to fulfill our services, meet our contractual obligations, and as required by law. When assessing these periods we only retain it for the shortest possible period unless a longer retention period is required by law.
Access to Personal Information
You can help ensure that your contact information and preferences are accurate, complete, and up to date. You can view your account information through any of the links in a ERC email.
To request that we correct the data, if it is inaccurate, email firstname.lastname@example.org or call 1-800-507-0052. You can also request we delete the data if we are not required to retain it for legitimate business purposes or by law.
How We protect your information
ERC is serious about data security. We recognize the importance of maintaining the security of our customers’ personal information and use reasonable security measures, including physical, administrative, and technical safeguards. These measures may include physical and technical security access controls or other safeguards, information security technologies and policies, procedures to help ensure the appropriate disposal of information, and training programs. For example, ERC protects your personal information during transit using encryption such as Transport Layer Security (TLS) and at rest using encryption such as AES 256. When your personal data is stored by ERC, we use computer systems with limited access housed in facilities using physical security measures.
Unfortunately, no data transmission over the internet or any wireless network can be guaranteed to be 100 percent secure. While we strive to protect your information, you acknowledge that by continued use of our site there are certain security and privacy limitations beyond our control, and that the security, integrity, and privacy of any and all information exchanged between ERC and our customers over the internet cannot be fully guaranteed from being viewed or tampered with in transit by a determined third party.
Third Party Websites
You may find links to third party websites on the ERC web applications. We do not control the content or links that appear on these sites and are not responsible for the practices employed by websites linked to or from our site. In addition, these sites or services, including their content and links, may be constantly changing. These sites and services may have their own privacy policies and customer service policies. Browsing and interaction on any other website is subject to that website’s own terms and policies.
How We Delete
We are required to keep your data due to the underlying contractual relationship between you and the creditor. We are also required to keep the personal information for legal reasons for as long as the statute of limitations period lasts for the type of account in collections and for other statutory obligations which sometimes are longer (such as a state licensing statute requiring us to maintain records for a certain period of time or the statute of limitations for a consumer financial law). Once our legal obligation to keep your personal information has expired, we delete the information from our systems in accordance with our data retention policies and procedures.
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