Privacy Policy

Effective From: 3rd December, 2024

Last Updated On: 3rd December, 2024

This Privacy Policy explains how Cash Recovery Specialists. (“we,” “our,” or “us”) collects, uses, and protects your personal data when you use our services or visit our website. We are committed to protecting your privacy and ensuring that your personal information is handled securely and responsibly. By accessing or using our services, you consent to the practices described in this Privacy Policy.

1. Interpretation And Definitions

Interpretation:

The terms used in this Privacy Policy are defined as follows. These definitions apply regardless of whether the words appear singular or plural.

Definitions:
  • Account: A unique account created for you to access our services or parts of our services.
  • Affiliate: Any entity that controls, is controlled by, or is under common control with us, where “control” means ownership of 50% or more of voting rights.
  • Business: Refers to Cash Recovery Specialists, Inc., which collects personal information and determines its processing under applicable laws, including the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA).
  • Cookies: Small data files placed on your device by our website to enhance your user experience.
  • Device: Any internet-connected device like a computer, smartphone, or tablet.
  • Personal Data: Any information that identifies or relates to an identifiable individual.
  • Service: Refers to our website and any associated services we offer.
  • Service Provider: A third-party entity that processes data on our behalf.
  • Usage Data: Information collected automatically during your interaction with our website or services, such as IP address, browser type, and visit duration.

2. Types Of Data We Collect

Personal Data:

We may collect personally identifiable information (PII) that includes:

  • Name
  • Email address
  • Phone number
  • Mailing address (city, state, zip code)
  • Payment and billing information
Usage Data:

Usage data is collected automatically and may include:

  • IP address
  • Browser type and version
  • Pages visited and time spent on them
  • Unique device identifiers
  • Diagnostic and performance data
Tracking Technologies And Cookies:

We use cookies and other tracking technologies to enhance your experience. These may include:

  • Essential Cookies: Necessary for website functionality.
  • Performance Cookies: Track usage data and analyze website performance.
  • Functional Cookies: Store your preferences for future visits.
  • Advertising Cookies: Used by third-party vendors to provide tailored ads.

You can manage your cookie preferences through your browser settings. Please note that disabling cookies may impact the functionality of our website.

3. How We Use Your Personal Data

We use the personal data we collect for the following purposes

  • Ensure seamless operation and delivery of our services.
  • Monitor usage patterns to improve our website and services.
  • Facilitate account creation, authentication, and access to specific features.
  • Fulfill the terms of any agreements we have with you, including payment processing and service delivery.
  • Respond to your inquiries via email, phone, or other communication methods.
  • Send notifications regarding updates, promotions, or important service changes.
  • Share information about similar services, offers, and upcoming events.
  • Evaluate or facilitate a merger, acquisition, or other business restructuring involving the transfer of personal data.
  • Respond to legal or regulatory requests and prevent fraud, malicious activity, or unauthorized access.
  • Perform data analysis to identify trends, improve user experience, and assess the effectiveness of marketing campaigns.

4. Retention Of Your Personal Data

We retain your personal data only for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required by law.

Your Usage data is retained for shorter durations unless used for security or service functionality improvements.

Factors Influencing Retention Periods

We retain your data to:

  • Comply with legal and regulatory obligations.
  • Resolve disputes and enforce agreements.
  • Conduct internal analyses to strengthen our services.

Once the retention period ends, your personal data will be securely deleted or anonymized.

5. Sharing Your Personal Data

Your personal data may be shared in the following situations:

  • We may share your data with third-party vendors to support our services, including analytics, marketing, and customer support.
  • Shared with our affiliates to align services and comply with this Privacy Policy.
  • Transferred during negotiations or completion of mergers, acquisitions, or asset sales.
  • Used collaboratively to offer relevant products, services, or promotions.
  • Disclosed when required by law or to protect the rights, safety, and property of our users and company.
  • Shared in specific scenarios where you have explicitly authorized the disclosure.

6. Data Security And Transfers

Security Of Your Personal Data

We prioritize the security of your personal information and implement industry-standard measures to protect it. However, no transmission or storage system is 100% secure. While we strive to use commercially acceptable means to safeguard your data, we cannot guarantee its absolute security.

Key Security Measures
  • Encryption: All data transmissions are encrypted to prevent unauthorized access.
  • Access Controls: Restricted access to personal data based on role and necessity.
  • Regular Audits: Periodic reviews and updates of security protocols to address vulnerabilities.
Transfer of Your Data

Your data may be processed outside your country, in locations where privacy laws may differ. By using our services, you consent to such transfers.

We ensure that:

  1. Transfers are conducted securely and align with this Privacy Policy.
  2. Adequate safeguards, such as contractual clauses, are in place to protect your data.

7. Your Rights Regarding Personal Data

Access And Rectification

You have the right to:

  • Access the personal data we hold about you.
  • Request corrections or updates to inaccurate or incomplete data
Data Deletion

You may request that we delete your personal data unless retention is required for:

  • Compliance with legal obligations.
  • Resolving disputes.
  • Enforcement of contractual terms.
Opting Out Of Promotions

You can opt-out of receiving promotional emails by:

  • Clicking the unsubscribe link in any email.
  • Contacting us directly through our website.
Limit Data Use And Sharing

California residents have the right to:

  • Limit the use of sensitive data.
  • Opt-out of data sharing for marketing or analytics.

To exercise your rights, please contact us via the methods listed in the “Contact Us” section

8. “Do Not Sell My Personal Information” Policy

We do not sell your personal information in the traditional sense. However, some of our service providers may use tracking technologies that are considered a “sale” under privacy laws such as CCPA/CPRA.

How to Opt-Out
California Privacy Rights

Under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), California residents are entitled to the following rights regarding their personal information:

Right To Notice

You have the right to be informed about the categories of personal data we collect and the purposes for its use.

Request access to:

  • Categories of personal data collected.
  • Sources of the data.
  • Business purposes for data collection.
  • Third parties with whom data is shared.

You can opt-out of the “sale” of your personal information, as defined under CCPA/CPRA.

Request the deletion of personal information, subject to legal exceptions.

Request corrections to any incorrect or outdated personal data we hold.

You will not face discrimination or denial of services for exercising your privacy rights.

To exercise these rights, California residents can contact us via the “Contact Us” section of this policy.

10. Children’s Privacy

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

If You Are A Parent Or Guardian:

Our services are not intended for individuals under the age of 18. We do not knowingly collect personal data from children.

  • If you believe your child has provided us with personal information, contact us immediately.
  • We will take steps to delete the data and ensure compliance with applicable laws.

11. Links To Other Websites

Our website may contain links to third-party websites. Please note:

  • We are not responsible for the privacy practices of these sites.
  • Review their privacy policies before providing personal information

12. Changes To This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, legal requirements, or other circumstances.

Notification Of Changes
  • Updates will be posted on this page with a revised “Effective Date.”
  • If significant changes occur, we will notify you via:
    • Email (if applicable).
    • A prominent notice on our website.
Your Responsibility

You are encouraged to review this Privacy Policy regularly to stay informed about how we protect your information. Continued use of our services after updates signifies your acceptance of the changes.

13. Contact Us

If you have any questions, concerns, or requests regarding this Privacy Policy or how your personal data is handled, you can contact us via the following methods: