Jefferson Capital Systems, LLC (also referenced herein as we and us) is providing this notice to you. Nothing in this Privacy Policy is intended to contradict your rights under the Fair Debt Collection Practices Act. We will not disclose any information to third parties that is otherwise prohibited by the Fair Debt Collection Practice Act (“FDCPA”).
For purposes of this Policy, the following definitions shall apply:
Our websites are located at www.myjcap.com and www.paymentrewardsprogram.com (the "websites") and is not intended for individuals less than the age of eighteen. We do not knowingly collect data relating to individuals less than the age of eighteen.
We may have collected the following categories of personal information from consumers within the last 12 months. Inclusion of a category indicates that we may collect some information in that category. It does not mean that we collect all information listed in that category in all situations.
Categories of Personal Information | Examples of Specific Types of Personal Information Collected | Collected | Purpose |
---|---|---|---|
A. Identifiers | A real name, alias, postal address, email address, telephone numbers, internet protocol address, account number, Social Security number, date of birth, or other similar identifiers. | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests (d) Prevent fraud |
B. Personal Information categories | A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver's license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories. | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests (d) Prevent fraud |
C. Protected classification characteristics | Age (40 years or older), veteran or military status | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests |
D. Internet or other electronic network activity information | Information regarding a consumer’s interaction with an internet web site, application, or advertisement. | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests |
E. Professional or employment-related information | Current or past job history. | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests |
F. Non-public education information (per the Family Educational Rights and Privacy Act (20 U.S.C. Section 1232g, 34 C.F.R. Part 99)). | Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records. | Yes |
(a) Necessary to provide the services (b) Necessary to comply with a legal obligation (c) Necessary for our legitimate business interests |
G. Sensitive Personal Information | Government-issued identifying numbers, such as a driver’s license, passport or Social Security number, financial account details that allow access to an account, such as a credit card number and access code, genetic data, precise geolocation, race or ethnicity, religious or philosophical beliefs, union membership, contents of mail email or text messages, biometric data related to your unique identification, | Yes |
(a) Necessary to provide the services (b) Maintain and service your account (c) Process payments (d) Ensure security and integrity regarding the use of such personal information (e) Verify or maintain the safety and quality of the services (f) Necessary to comply with a legal obligation (g) Necessary for our legitimate business interests |
Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We will collect the minimum amount of data necessary to collect a debt.
We may use your personal information for one or more of the following business purposes:
Sensitive personal information is collected only as necessary to perform our services, process payments, maintain or service your account, to ensure security and integrity regarding the use of such personal information, and to verify or maintain the safety and quality of the services. Sensitive personal information is not collected with the purpose of inferring characteristics about you.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We do not sell and will not sell your personal information.
We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax. However, we may also collect information:
We may share personally identifiable information it collects with its employees who need to know that information to service your account. Except as provided below, we do not share or disclose any personally identifiable information to any external company or marketing group.. We may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.
Further, we may disclose personally identifiable information (i) to another entity with which we enter or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on our behalf, where appropriate, (iii) to a third party if we determine our sole judgment that such disclosure is appropriate to protect the life, health, or property of us or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to us.
Except as necessary for us to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraphs, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to us through or from our website, prospectively retained by us, used by us for secondary purposes, or disclosed by us to third parties.
E-mail posted or sent to us may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we cannot verify your identity, we may be unable to respond to e-mail requests concerning accounts placed for collection unless you have requested or authorized us to do so.
Consumer Reporting Agencies (CRAs) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account.
Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:
We may furnish account information to Experian, Equifax, and Trans Union. You have a right to obtain an annual copy of your credit file from CRAs by visiting https://www.annualcreditreport.com.
If we share your information as set forth above, it will do so in compliance with the applicable legal requirements. We may need to transfer your information in this way to carry out our services with you, fulfill a legal obligation, to protect a public interest and/or for our legitimate business interests. In this instance, we will provide appropriate safeguards that provide an adequate level of protection for your rights and freedoms as to your personal data consistent with this Privacy Policy.
We will retain your personal data until we determine the information is no longer needed, or as otherwise required by law. Thereafter we delete or anonymize such information in accordance with applicable laws.
When we are the current creditor of your account, we are the data controller and responsible for your personal data. If you wish to exercise any of these rights, please contact us by doing one of the following:
If you choose to contact us directly in writing], you will need to provide us with:
If requested to provide or remove data, we will respond within a reasonable timeframe or within the timeframe as required by applicable law.
We are not obligated to make a data access or data portability 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. To prevent anyone other than you, or your authorized agent, from exercising the right to know or the right to delete with respect to your personal information, we follow procedures to verify you, or your agent’s, identity. These procedures seek to confirm that the person making a request is the person about whom we have collected personal information or that person’s authorized agent. The verification procedures involve matching data points that you provide with your request against information about you we already have in our records and that we have determined to be reliable for purposes of verifying your identity. We will use information you provide in your completed request form to verify your identity, and we may request additional information if necessary to complete the verification process.
You will not have to pay a fee to access your personal data (or to exercise any of the other rights). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
If you would like to appeal our decision with respect to your exercise of the above rights, an appeal may be sent to the data controller using the same process for submitting initial requests. A response to an appeal may take up to 60 days, at which time we shall respond to your request.
If we service your account, we are the data processor. You will need to contact the current creditor to exercise any of these rights.
We may update this Privacy Policy from time to time. We post our California Privacy Policy on our website(s) and will post the last update date to reflect when changes are made.
LAST UPDATED: July 2023