Personal Information Retention
Arrears 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 an Arrears email. To request that we correct the data, if it is inaccurate, email support@arrears.com. You can also request we delete the data if we are not required to retain it for legitimate business purposes or by law.
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 Arrears 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 Arrears may collect and how we use it:
- When an account is added to ResolveDebt the creditor provides a variety of information including, but not limited to: full name, date of birth, social security number, phone number, address, email address, account number, original creditor, current creditor, balance, payment history.
- We may collect any information that you provide to us directly whether you contact us by phone, email, sms, web applications, or other channel. For example, when you access Arrears web applications and fill out a form or sign up for a payment plan and provide information such as your first and last name, email address, mailing address, phone number, credit card information and/or other personal identifying information.
- When you access Arrears URL links, emails or our web applications we may collect a variety of information and store it in log files, including, but not limited to Internet Protocol (IP) address, browser type and language, Internet service provider (ISP), type of computer, operating system, date/time stamp, user interface interaction data (such as, but not limited to, any mouse clicks or navigation on our emails and web applications), uniform resource locator (URL) information (showing where you came from or where you go to next), email open rates, credit card, bank account information.
Messaging Terms and Compliance
Arrears may offer SMS/MMS (text messaging) services as part of its platform functionalities. By using these services, you agree to comply with all applicable laws and regulations, including, but not limited to, the 10DLC (10-Digit Long Code) regulations as set forth by the relevant authorities and carriers.
Opt-In to Messaging: You may opt-in to receive SMS/MMS messages from Arrears by following the instructions provided on the platform or through other communication channels. By opting-in, you expressly consent to receive text messages from us regarding our services, updates, and other information related to your account.
Opt-Out of Messaging: You may opt-out of receiving SMS/MMS messages from Arrears at any time by following the instructions provided in the text message or on the platform. Once you opt-out, you will no longer receive SMS/MMS messages from us unless you opt-in again.
Block List: If you wish to be placed on our block list to no longer receive any messages from us, you can request this by contacting us at support@arrears.com.
Message Delivery: Message delivery is subject to your mobile carrier’s network availability and may also be affected by the settings on your mobile device. Arrears is not responsible for any charges or fees that may be incurred by messaging, including message and data rates that may apply.
Updating Your Contact Information: It is your responsibility to keep your contact information, including your mobile number and email address, updated on the platform. You can update your contact information through your account settings or by contacting us.
Message Content: All messages sent via our platform are intended for the sole use of the intended recipient(s). Unauthorized use, disclosure, distribution, or copying of message content is strictly prohibited.
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 Arrears uses personal information:
- We use personal information to send you communications about your account.
- We use your personal information to verify your identity. For example, when you contact our office you will be asked to provide your personal information so that we can verify your identity and account. We may ask you to provide your full name, address, email address, or other identifying information. You can always refuse to supply personal information, except that we may not be able to communicate if we are unable to verify your identity and/or account.
- We use personal information to process payments and other account activity you authorize.
- We use personal information to help us create, develop and improve our content and services, including through internal auditing and data analysis.
- If you apply for a job at Arrears we use the information we receive to evaluate your candidacy and contact you.
- If you sign up for a webinar, request a demo, or fill out one of our forms, we may reach out to you to sell our services.
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 arrears.com 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.
Arrears web applications may also use cookies to gather information so that we can improve the effectiveness of our services. You may choose to set your web browser to refuse cookies or to alert you when cookies are being sent but some parts of the website may not function properly without accepting cookies.
Arrears web applications do not recognize or act on “do not track” requests from a browser. The information we receive through tracking is treated as non-personal information unless local law requires we treat it as personal information. Additionally, if this information is combined with personal information, we treat the combined information as personal information for the purposes of this Privacy Policy.
Sources Of Personal Information
We received your personal information from the party placing your account with Arrears 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 Arrears, we may have received your personal information from a recruiter or external website. If you are a potential client and have expressed interest in Arrears' 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.
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 Arrears shares personal information:
- For payment processing, we share your credit card or bank information to the card-issuing bank to complete the payment you authorized.
- For content delivery, we share your email address, physical address, or phone number with the delivery service to deliver any communication, message, or requested account documents.
- For collectibility, we share name and address to ensure no bankruptcy, deceased, address or phone number changes have occurred since we received the account.
- For licensed debt collectors, we may be required to share account information with state regulators conducting an audit pursuant to state or federal licensing statutes.
- After your authorization, we share your email with our affiliates who may email you about their products and services.
- We may be occasionally required by law enforcement or judicial authorities to provide information. We will disclose personal information pursuant to a court order, subpoena, or to cooperate with a law enforcement investigation.
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.
No Sale
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
Arrears 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 Arrears email.
To request that we correct the data, if it is inaccurate, email support@arrears.com. 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
Arrears 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, Arrears 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 Arrears, 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 Resolve Debt 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 Arrears 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 debtors and the creditors. 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.
Contacting Us
If You have any questions about this Privacy Policy please contact Arrears:
Email: support@arrears.com
California Consumer Privacy Act
Requests to Know or Delete
For California consumers email support@arrears.com to exercise your rights.
Direct Creditor Requests
Information concerning how you can exercise your rights directly with the creditor or current creditor of your account can be found here.