Terms of Use
General
The use of this site is governed by the policies, terms and conditions set forth below. By using this website, you are agreeing to accept and be bound by the terms and conditions below. Nationwide Credit and Collections, Inc ("Company") reserves the right in its discretion to make changes to these terms and conditions at any time without notice. You agree to review the Terms of Use periodically, since any use of this website following any such change shall constitute acceptance of the modification(s).
Access
Company reserves the right, in its sole discretion, to terminate or restrict your access to this website, without notice, in the event you violate any of the Terms of Use.
Consent
Monitoring and Disclosure. Company is under no obligation and does not assume any obligation to monitor the information included in, transmitted to or made accessible via this website. However, you agree Company may monitor this website to protect users and information of the website and in order to comply with applicable laws, rules and regulations. Company reserves the right to modify or remove information on the website without notice to users. Information you provide in connection with the website that must be disclosed to any other person, including without limitation, a third party or entity, in order to complete the payment transaction you request will not be considered confidential for that limited purpose. Company shall be free to use, disclose and distribute this information to identified third parties without limitation subject to any law restricting such use.
Consent to Use of Information. By using this website, you expressly consent to and knowingly provide any and all information required to complete your payment transaction. You further authorize Company to use the information you provide to contact you by any means, including without limitation, through an automatic telephone dialing system, at your electronic mail address, residence address, cellular, internet based or landline telephone or facsimile numbers, or other electronic, virtual or traditional means of communication, in order for Company to recover unpaid obligations that you may now owe or incur in the future that are now or may in the future be placed with Company for collection.
ACH Disclosure
When you provide a check as payment, you authorize Company either to use information from your check to make a one-time electronic fund transfer from your account or to process the payment as a check transaction.
General Disclaimers; Disclaimer of Limited Liability
COMPANY MAKES REASONABLE EFFORT TO ENSURE THE ACCURACY OF THE WEBSITE. HOWEVER, THE MATERIAL INCLUDED MAY CONTAIN TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. EVERYTHING ON THE SITE IS PROVIDED "AS IS." COMPANY MAKES NO WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT, WHERE LEGALLY SUPPORTED. THEREFORE, COMPANY IS NOT LIABLE FOR DAMAGES OF ANY KIND RESULTING FROM THE RELIANCE ON THE INFORMATION CONTAINED ON THE WEBSITE. ACCESS OF THIS WEBSITE AND ANY USE OF THE INFORMATION CONTAINED HEREIN ARE AT THE USER'S OWN RISK. IF YOU DO NOT AGREE WITH THESE TERMS OF SERVICE, THEN DO NOT USE THIS WEBSITE.
COMPANY DOES NOT WARRANT THAT THE INFORMATION ON THIS WEBSITE, LINKED WEBSITES, OR AS OTHERWISE ACCESSIBLE HEREIN WILL BE UNINTERRUPTABLE OR ERROR FREE OR THAT ANY INFORMATION, SOFTWARE OR OTHER MATERIAL ACCESSIBLE FROM THIS OR ANY OTHER WEBSITE IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
YOU AS THE USER OF THIS WEBSITE UNDERSTAND AND AGREE THAT IN THE EVENT YOU DOWNLOAD OR OTHERWISE OBTAIN MATERIAL OR DATA THROUGH THE USE OF THIS SITE YOU DO SO AT YOUR OWN RISK AND THAT YOU WILL BE SOLELY RESPONSIBLE FOR ANY DAMAGES TO YOU, YOUR COMPUTER SYSTEM OR LOSS OF DATA THAT RESULTS FROM THE USE OR DOWNLOAD OF SUCH MATERIAL OR DATA.
COMPANY IS NOT LIABILE IN THE EVENT A PAYMENT TRANSACTION IS NOT COMPLETED FOR ANY REASON, INCLUDING BUT NOT LIMITED TO THE IMPROPER OR INCOMPLETE INFORMATION, INSUFFICIENT FUNDS OR CREDIT, THE FAILURE OF SYSTEMIC PROCESSES OF THIS WEBSITE OR YOUR FINANCIAL PROVIDERS. COMPANY RESERVES THE RIGHT TO SUSPEND OR TERMINATE ANY TRANSACTION THAT COMPANY DEEMS INVALID, UNAUTHORIZED, FRAUDULENT OR OTHERWISE.
Intellectual Property Rights
Materials on this website may contain proprietary information, notices, products or services owned by Company and/or third parties. Nothing contained herein shall be construed as granting to you or any user a license under any copyright, trademark, patent or other intellectual property right of Company or any third party. You agree that Company and/or the third parties own all legal right, title and interest in and to the information contained within the website. You may not assign any right in the materials or this website to third parties without the written consent of Company. All Company names, logos, and designs are the marks or trademarks of Company or third parties. Nothing contained herein shall be construed as granting you or any user of this website any consent under any copyright, trademark, patent or other intellectual property or other legal right of Company or any third party.
External Links
At certain places, those accessing this website may be able to access links to other Internet addresses. Company does not endorse, sponsor, approve, certify or control these external Internet addresses and does not guarantee the accuracy, completeness, efficacy, timeliness, security or correct sequencing of information located at such addresses. Company will not be liable for damages of any kind resulting from the use of such a link.
User Name and Password
Use and access to this website and services may require you to enter a user name and password. You agree to hold your user name and password in strict confidence. You must notify us immediately if you determine that the confidentiality your user name or password have been breached. Upon such notice from you, Company will issue you a new user name and password.
Security
Company takes seriously your right to privacy of your personal information. Accordingly, you agree to comply with processes set forth by Company regarding access to or use of this website. Company processes include, without limitation, use and protection of passwords. Company will use your personal information only to fulfill the obligations of Company with respect to payments as set forth in the Terms of Use.
Anti-spam Policy
You and any user of this website shall not transmit unsolicited e-mail messages.
Choice of Law and Jurisdiction
The contents of this website, this agreement and performance under the agreement are governed by the laws of the State of Wisconsin without regard to its choice of law or conflicts of law principles.
Indemnity
You agree to indemnify and hold harmless Company and its affiliates and each of their respective employees, officers, directors, owners, licensors, licensees, and agents from any and all claims, liabilities, costs, and expenses, including attorneys' fees and court costs, arising out of or related to any allegation regarding (a) any violation of these Terms of Use by you or (b) your use of this website. Waiver You agree that Company does not waive any right by not exercising or enforcing any legal right or remedy which is contained in these Terms of Use or under applicable law. Any failure to exercise any right will not be taken to be a formal waiver of Company's rights.
Conflicts between this Agreement and Laws
If any provision of these Terms of Use conflicts with the law under which this agreement is to be construed, or if any such provision is held invalid by a competent authority, such provision shall be deemed to be restated to reflect as nearly as possible the original intentions of the parties in accordance with applicable law. The remainder of these Terms of Use shall remain in full force and effect.
Binding; Assignment
These Terms of Use shall be binding on you and Company and their respective successors and assigns. You may not assign your rights under these Terms of Use or delegate your obligations hereunder, without the prior consent of Company. Company may assign or delegate its rights and obligations under these Terms of Use to any entity or person, however, in no event shall such assignment relieve Company or its assignee or successor of its obligations under these Terms of Use.
Debt Collection Notice
This communication is from a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.

Legal Disclosure [PLEASE SCROLL DOWN AND READ THE LEGAL DISCLOSURES TO ACCEPT]
*Legal Disclosures & Electronic Communications Consent
Debt Collection Notice
Nationwide Credit and Collections, Inc. is a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose.
Additional Debt Collection Disclosures*
New York City Residents: New York City Department of Consumer Affairs license number 2055994
*Electronic Communications Consent *
By clicking on the "I Accept" button below, I am confirming and agreeing to the following:
1. 1. I am authorizing Nationwide Credit and Collections, Inc. ("NCC") to send me any and all communications electronically ("Electronic Communications"). Electronic Communications includes e-mail, current and future notices and/or disclosures that may be required by law, correspondence, statements and other communications regarding any account placed (now or in the future) with NCC.
2. 2. I am acknowledging receipt of this Electronic Communications Consent and my intent to be bound by the terms of this Electronic Communications Consent.
3. 3. I am acknowledging that Electronic Communications: (a) can be intercepted, altered, forwarded or used without authorization or detection, (b) can be circulated, forwarded and stored in paper and electronic files, and (c) may be lost due to technical failure during composition, transmission or storage.
4. 4. I am not providing Nationwide Credit and Collections, Inc with an e-mail address provided to me by my employer or related in any manner to my workplace or place of employment. I am acknowledging that I do not have a reasonable expectation of privacy in an e-mail address associated in any way with my employment. I am also acknowledging that I am aware of who else in my household may intercept Electronic Communications (for example, family members and roommates) and I have taken all precautions to eliminate others from accessing my Electronic Communications.
5. 5. I am authorizing Nationwide Credit and Collections to transmit Electronic Communications to the e-mail address I provide to NCC and to include the following in the Electronic Communications:
1. *In the "To" line of the email: Your name or other individual identifying information
2. *In the "From" line of the email: Nationwide Credit and Collections, Inc. or NCC
3. *In the "Subject" line of the email: An account number or other identifying information
6. 6. I am acknowledging I have been informed of the following:
1. *The right to receive a paper version of an Electronic Communication. I may obtain a paper version by contacting Nationwide Credit and Collections, Inc at 1-800-485-0207
2. *The right to withdraw consent to receive Electronic Communications. I may withdraw my consent by contacting Nationwide Credit and Collections at 1-800-485-0207 or by "unsubscribing" in an email sent to me
3. *This consent is a continuing consent to Nationwide Credit and Collections, Inc to send me Electronic Communications
4. *I must update my electronic address by contacting Nationwide Credit and Collections, Inc at 1-800-485-0207
5. *I must ensure that I can receive Electronic Communications and retain it. I have a computer system with an Internet Web browser capable of 128-bit encryption and Adobe Acrobat Reader. I have a printer capable of printing any Electronic Communications emailed to me and/or have the ability to electronically save and display on computer screens Electronic Communications.
6. *I may receive a notification from Nationwide Credit and Collections that I have a secure email message; that I will be required to create an account to access an Electronic Communications; and, if I fail to create an account, I may not receive a response.
*I am consenting by clicking the "I Accept" button below to receipt of Electronic Communications and to the terms contained in this Legal Disclosures & Electronic Communications Consent.

Online Website Agreement and Authorization for Payments (the "Agreement") You are accessing the Nationwide Credit and Collection, Inc online payment portal (the "Service"). Please read this Agreement carefully before accessing or using the Service. By accessing or using the Service, you agree to be bound by the terms and conditions below. If you do not accept the terms and conditions of this Agreement, you may not access or use the Service. Nationwide Credit and Collection, Inc. may modify this Agreement from time to time, and such modifications shall be effective immediately upon posting of the modified Agreement. By continuing to access or use the Service following such modifications, you agree to be bound by the modified Agreement. Nationwide Credit and Collection, Inc. has no obligation to notify users of the posting of a modified Agreement. Debt Collection Notice. Nationwide Credit and Collection, Inc. is a debt collector. This is an attempt to collect a debt. Any information obtained will be used for that purpose. Account. By accessing the Service, you acknowledge that you are responsible for one or more accounts placed for collection with Nationwide Credit and Collection, Inc. by your creditor or creditors. If you have more than one account, you may be required to create more than one User Name and password. Your User Name is created by you when you log-in for the first time. You acknowledge and agree that the accounts under your User Name and password may not represent all the accounts with Nationwide Credit and Collection, Inc. Payment Services. By accessing the Service, you authorize Nationwide Credit and Collection, Inc. (1) to establish and maintain your payment authorizations and (2) to process your payments according to your instructions. Types of Payments and Who you are Paying. You may use the Service only to authorize the payment of account(s) placed with Nationwide Credit and Collection, Inc. Payments that you authorize will be made from a bank or financial institution account, including, by credit or debit card, (the "Transaction Account") that you designate. It is your responsibility to establish and maintain the Transaction Account and to pay any and all fees associated with the Transaction Account. By accessing the Service, you represent that you have the authority to authorize Nationwide Credit and Collection, Inc. to take the payments from the Transaction Account according to the terms of this Agreement. Electronic Funds Transfers. You may authorize one-time or recurring payments on one or more of your accounts. By using the Service and selecting the "Submit Payment" button, you are authorizing Nationwide Credit and Collection, Inc. to complete an electronic funds transfer from the bank or financial institution maintaining the Transaction Account. You may print a copy of your authorization after your payment is submitted. You may request a copy of your authorization by contacting Nationwide Credit and Collection, Inc. at 888-348-4524. Payment Amount. You may authorize a one-time or recurring payment in an amount of at least $10.00 on an account unless the account is less than $10.00. If the account is less than $10.00 and you wish to make payment, you must pay the account in full. You may authorize a one-time or recurring payment in any amount exceeding $10.00 up to the total amount of the account or the Confirmed Payment Arrangement, if you have Confirmed Payment Arrangement. By processing any payment less than the full balance owed, you understand and agree that Nationwide Credit and Collection, Inc. is not agreeing to a specific payment arrangement unless that payment arrangement is expressly confirmed by a representative of Nationwide Credit and Collection, Inc. via telephone, email, or letter ("Confirmed Payment Arrangement"). A receipt, letter or payment authorization you print from the Service does not alone constitute agreement by Nationwide Credit and Collection, Inc. to a specific payment arrangement. Unless you have a Confirmed Payment Arrangement or you have requested we cease communication with you or you pay the account in full, further collection activity may continue. Timing. By providing Nationwide Credit and Collection, Inc. with a payment authorization under the Service, you authorize Nationwide Credit and Collection, Inc. to charge the Transaction Account to remit funds on your behalf to pay accounts you designate that are placed with Nationwide Credit and Collection, Inc. It is your responsibility to make timely payment authorizations, so that the funds will arrive before the date on which they are due if you have a Confirmed Payment Arrangement. You may designate a payment post-date up to and including the payment due date; however, if you enter a payment post-date after 5:00 p.m. Eastern time, Nationwide Credit and Collection, Inc. may change the payment post-date to the date of Nationwide Credit and Collection, Inc.'s next business day. Revocation of One-time or Recurring Payments. In order to revoke or cancel a one-time or recurring payment scheduled using the Service, click or tap "Deactivate Schedule" and follow the on screen process or contact Nationwide Credit and Collection, Inc. at 888-348-4524, Monday through Friday 8:00 a.m. to 5:00 p.m. Central time at least three (3) business days ahead of your scheduled payment. You are not permitted to change, revoke or terminate a one-time or recurring payment if that payment is in process. A payment is in process on the posting date of the payment. You may have the legal right to revoke electronic payments by contacting the bank where you hold the Transaction Account. Contact your bank to determine the information and time your bank needs to process your revocation. Fees for Use of the Service. Nationwide Credit and Collection, Inc. does not charge any monthly or payment transaction fees to use the Service. Account Management Email Address. By accessing the Service and selecting email notifications, you are authorizing Nationwide Credit and Collections, Inc. to send you emails. Nationwide Credit and Collection, Inc. will send those emails to the email address you identify in your registration records for the Service ("Account Management Email Address"). If your Account Management Email Address changes or becomes disabled, you will notify us immediately by updating your email address on the "Profile" section of the Service. If you update your Account Management Email Address on the "Profile" page of the Service, that change will take effect within 24 hours. You understand and agree that Nationwide Credit and Collection, Inc. may send emails to your Account Management Email Address whether or not that address includes a designation for delivery to the attention of any specific person and whether or not anyone other than you is able to access and/or read emails sent to your Account Management Email Address. Email Notifications. Certain email notifications may be available to you as a user of the Service. If available, you may request us to send you an email confirmation ("Confirmation") when you schedule a payment using the Service. When Nationwide Credit and Collection, Inc. sends you a Confirmation, Nationwide Credit and Collections, Inc. will use the email address provided when you requested the Confirmation. Nationwide Credit and Collections, Inc. will send you other email notifications automatically, when applicable. Copies of Documents. During the period Nationwide Credit and Collection, Inc. retains documentation of your account, you may request a paper copy of this Agreement or any authorization to make a one-time or recurring payment by calling us at 888-348-4524. We will provide the copies free of charge. Prohibited Conduct. You agree you will not use the Service to conduct any fraudulent or illegal activity; violate any statute, regulation or other legal authority; violate the property or privacy rights of Nationwide Credit and Collection, Inc. or those of any other person or company; interfere with or obtain unauthorized access to Nationwide Credit and Collection, Inc. computer systems or those of any other person or company; or impersonate the identity of Nationwide Credit and Collection, Inc. or that of any other person or company. Accuracy of Information. You agree that all information you provide to Nationwide Credit and Collection, Inc. in connection with the Service is true, correct and complete. You agree not to misrepresent your identity or authority to view information or to schedule any payment using the Service. Protect Your Personal Information. You will keep your User Name and password and your security questions and answers secret. You will tell Nationwide Credit and Collection, Inc. immediately if you believe there has been an unauthorized use of your User Name, password, security questions or the Service. Please tell us by calling 888-348-4524. Nationwide Credit and Collection, Inc. will not be responsible for any loss or damage you may suffer as a result of someone using your User Name, password, security questions or the Service whether with or without your permission or knowledge. If you give your User Name, password, or security questions and answers to someone else or allow someone else to use the Service, you will be responsible for all actions taken by that person including, without limitation, the scheduling of any payments or the updating or removal of any payments scheduled on your account, even if that person exceeds your permission. Responsibility of Nationwide Credit and Collection, Inc. Nationwide Credit and Collection, Inc. will use all reasonable efforts to process all your payment authorizations promptly and properly, provided the authorizations are actually received by Nationwide Credit and Collection, Inc. Nationwide Credit and Collection, Inc. will not be responsible for any failure to process a payment authorization that is not actually and completely received by Nationwide Credit and Collection, Inc. for any reason, including user error, equipment malfunction, natural disasters or impediments, or inaccurate or incomplete information. Nationwide Credit and Collection, Inc. shall incur no liability if it is unable to complete a payment authorization initiated by you because of the existence of any one or more of the following circumstances: 1. The Transaction Account does not contain sufficient funds to complete the transaction, or the transaction would exceed the credit limit applicable to the Transaction Account. 2. You have not provided Nationwide Credit and Collection, Inc. with correct names or account information. 3. Circumstances beyond Nationwide Credit and Collection, Inc.'s control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper transmission of your payment authorization and Nationwide Credit and Collection, Inc. has taken reasonable precautions to avoid those circumstances. 4. Nationwide Credit and Collection, Inc. fails to receive a full and complete payment authorization. 5. You have made any false or materially misleading statement or representation in connection with any payment authorization. 6. The bank or financial institution maintaining the Transaction Account refuses or is unable to honor a payment request from Nationwide Credit and Collection, Inc. Bank or Financial Institution Limitations. In using the Service, you are requesting Nationwide Credit and Collection, Inc. to make payments for you from your designated Transaction Account. If your bank or financial institution is unable to process a transaction (for example, there are not sufficient funds in the Transaction Account to cover the transaction, or if funds in the account are unavailable for any reason), the transaction may not be completed. There may be limits or restrictions upon the number or frequency of payments that may be made from your Transaction Account under applicable law or under the terms of your agreement with the bank or financial institution maintaining the Transaction Account. Nationwide Credit and Collection, Inc.'s obligations under the Service are subject to any such limits or restrictions, and Nationwide Credit and Collection, Inc. has no duty to notify you of any such limits or restrictions. DISCLAIMER OF WARRANTIES. NATIONWIDE CREDIT AND COLLECTION, INC. IS PROVIDING THE SERVICE "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON- INFRINGEMENT. NATIONWIDE CREDIT AND COLLECTION, INC. DOES NOT WARRANT THAT THE SERVICE IS ERROR-FREE, OR THAT ACCESS TO AND USE OF THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE. LIMITATION OF LIABILITY. IN NO EVENT SHALL NATIONWIDE CREDIT AND COLLECTION, INC. OR ANY LICENSORS BE LIABLE FOR ANY INCIDENTAL, INDIRECT, SPECIAL OR CONSEQUENTIAL DAMAGES ARISING OUT OF THE DELIVERY, PERFORMANCE, OR USE OF THE SERVICE, WHETHER INCURRED BY YOU OR ANY THIRD PARTY, EVEN IF NATIONWIDE CREDIT AND COLLECTION, INC. OR ITS LICENSORS OR SUPPLIERS HAVE BEEN ADVISED OR MAY OTHERWISE KNOW OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit exclusion or limitation of liability for implied warranties or consequential or incidental damages, so the above limitation may not apply to you. Assignment. You may not assign this Agreement to any other party. Nationwide Credit and Collection, Inc. may assign this Agreement to any directly or indirectly affiliated company. Nationwide Credit and Collection, Inc. may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties. General. This Agreement is governed and shall be construed in accordance with the laws of the State of Illinois, excluding its choice of law rules. This Agreement constitutes the entire agreement and supersedes any prior agreements or understandings, oral or written, between Nationwide Credit and Collection, Inc. and you concerning the Service and may only be amended as provided herein. Failure or delay in enforcing any right or provision of this Agreement shall not be deemed a waiver of such provision or right with respect to any subsequent breach or a continuance of an existing breach. If any provision of this Agreement shall be held to be unenforceable that provision will be enforced to the maximum extent possible, and the remaining provisions of this Agreement will remain in full force and effect.

CALIFORNIA RESIDENTS: PRIVACY POLICY NOTICE
This Privacy Notice for California Residents supplements and is expressly made part of the information contained in the Nationwide Credit and Collection, Inc. (“NCC”) Privacy Policy (http://www.NCC.us/privacy-policy/) , and applies solely to all visitors, users, and others who reside in the State of California (“consumers” or “you”). We adopt this notice to comply with the California Consumer Privacy Act of 2018 (CCPA) and any terms defined in the CCPA have the same meaning when used in this notice.
1. Information We Collect About You We may collect and use personal information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be directly or indirectly linked, with a consumer, device, or household (“personal information”).
Personal Information does not include:
 Publicly available information from government records.
 De-identified or aggregated consumer information.
 Information excluded from the CCPA’s scope, such as (but not limited to) information governed by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act (“CMIA”), the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).
We regularly collect (and have collected in the past 12 months) several types of personal information about individuals offline regarding accounts we service, including: name, DOB, address, account number, payment and other financial information, email address, insurance information, SSN, employment information, telephone number, IP address, military or veteran status, audio information, usernames, information pertaining to products or services related to obligations owed, records of personal or real property, consuming histories or tendencies, information on any user’s interaction with this site or any site affiliated with NCC, publicly available information, and information collected or shared pursuant to HIPAA, FIPA, GLBA, FCRA, DPPA, and/or other applicable privacy laws. We also may collect additional categories of personal information users provide directly to us or our service providers.
2. How Your Personal Information is Collected We collect most of this personal information from our creditor clients or from you or your authorized representative by telephone or written communications. However, we may also collect information:
 From publicly accessible sources (e.g., property or other government records);
 From our service providers (e.g., call analytics, information source, skip-tracing, payment processing, mailing, and other vendors)
3. Why We Use or Disclose Your Personal Information We regularly use or disclose personal information for one or more of the following business purposes:
 Fulfill the reason you provided the information. For example, if you share your personal information to make a payment, we will use that information to process your payment.
 Perform services on behalf of a business or service provider, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business or service provider
 Provide you with information or services that you request from us
 Auditing related to consumer interactions
 Detecting security incidents, protecting against malicious, deceptive, fraudulent, or illegal activity, and prosecuting those responsible for that activity
 Debugging to identify and repair errors that impair existing intended functionality
 Short-term, transient use, where the personal information is not disclosed to another third party and is not used to build a profile about a consumer or otherwise alter an individual consumer’s experience outside the current interaction
 Undertaking activities to verify or maintain the quality of a service or device that is owned, made by or for, or controlled by us, and to improve, upgrade, or enhance the service or device that is owned, made by or for, or controlled by us
 Respond to law enforcement requests and as required by applicable law or court order
 As appropriate to protect the rights, property, or safety of us, our clients, or others
 As described to you when collecting your personal information or as otherwise set forth in the CCPA. We will not collect additional categories of personal information or use the personal information we collected for materially different purposes without providing you notice. We regularly disclose (and have disclosed in the past 12 months) several types of personal information about individuals for one or more business purposes, including: name, DOB, address, , account number, previous payment and other financial information, email address, insurance information, SSN, employment information, telephone number, IP address, military or veteran status, audio information, usernames, information pertaining to products or services related to obligations owed, records of personal or real property, consuming histories or tendencies, information on any user’s interaction with this site or any site affiliated with NCC, publicly available information, and information collected or shared pursuant to HIPAA, FIPA, GLBA, FCRA, DPPA, and/or other applicable privacy laws We have not sold your personal information over the last 12 months and will not sell your personal information under the CCPA.
4. Verifiable Consumer Requests for Information Upon verification of identity, California residents may in some cases request that a business:
 Disclose the categories of personal information the business collected about the consumer;
 Disclose the categories of sources from which the personal information is collected
 Disclose the categories of personal information that the business sold about the consumer;
 Disclose the categories of personal information that the business disclosed about the consumer for a business purpose;
 Disclose the categories of third parties with whom the business shares personal information
 Disclose specific pieces of personal information the business has collected about the consumer
 Disclose any financial incentives offered by the business for collection, sale, or deletion of personal information Please note that we are not required to:
 Retain any personal information about you that was collected for a single one-time transaction if, in the ordinary course of business, that information about you is not retained;
 Re-identify or otherwise link any data that, in the ordinary course of business, is not maintained in a manner that would be considered personal information;
 Provide the requested information disclosure to you more than twice in a 12-month period.
 Provide the requested information disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf; or
 Provide the requested information disclosure if a CCPA or applicable exception applies. We may deny your request if we are acting in the role of a service provider to another business regarding the applicable personal information. If we deny your request on that basis, we will generally refer you to the relevant business to obtain the requested information.
5. Right to Request Deletion of Personal Information Upon verification of identity, California residents may in some cases request that we delete personal information about you that we collected from you and retained, subject to certain exceptions. We may deny your deletion request if we are acting in the role of a service provider to another business regarding the applicable personal information. If we deny your request on that basis, we will generally refer you to the relevant business. In addition, we may deny your deletion request if retaining the information is necessary for us or our service providers to:
 Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and us.
 Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity.
 Debug to identify and repair errors that impair existing intended functionality.
 Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law.
 Comply with the California Electronic Communications Privacy Act.
 Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent.
 Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us.
 Comply with a legal obligation.
 Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information; or
 If another CCPA or applicable exception applies.
6. Verifying Your Identity If You Submit CCPA Requests If you choose to contact us directly via the designated methods described above to exercise your CCPA rights, you will need to:
 Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
 Describe your request with sufficient detail that allows us to properly understand evaluate, and respond to it. We are not obligated to make an information disclosure or carry out a deletion request pursuant to the CCPA if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf. Any personal information we collect from you in order to verify your identity in connection with your CCPA request will be used solely for the purposes of verification.
7. Response Timing and Format We endeavor to respond to a verifiable consumer request within forty-five (45) days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.
8. Contacting Us and Exercising Your Rights If you Have a questions or comments about this notice, the ways in which NCC collects and uses your information described above, your choices and rights regarding such use, or wish to exercise your rights under California law, please do not hesitate to contact us at: Phone: 888-348-4524 Email: ccpacompliance@ncc.us Mail: Nationwide Credit and Collection, Inc. ATTN: CCPA Compliance 815 Commerce Drive, Suite 270 Oak Brook, IL 60523
9. Changes to this Policy NCC reserves the right to modify and amend this Policy at our discretion and at any time. When we make changes to this privacy policy, we will post the updated Notice on the website and update the effective date. Last updated: 07/01/2020

We provide available language access services in Spanish, you may obtain from our agency a translation of any communication from English to Spanish. If you have limited-English proficiency or prefer to speak in a language other than English on telephone calls with our office, please provide your language preference and we will record it in our files.
A translation and description of commonly-used debt collection terms is available in multiple languages on the Department of Consumer Affairs website, www.nyc.gov/dca.