Privacy Policy

American Collection Services, Inc. ("ACS," "we," "us," or "our") respects your privacy and is committed to protecting personal information. This Privacy Policy explains how we collect, use, disclose, and protect information obtained through our website, americancollectionservices.com (the "Website").

This Privacy Policy primarily applies to information collected through the Website. ACS may also receive and process information from clients, creditors, consumers, service providers, consumer reporting agencies, and other sources in connection with its collection services. Information processed in connection with those activities may be subject to additional federal and state laws, contractual requirements, and other privacy and security obligations.

1. Information We Collect

Depending on how you interact with our Website, we may collect the following types of information.

Information you provide directly to us may include:

Name
Business or organization name
Email address
Telephone number
Information submitted through contact forms, recovery-analysis requests, or other Website forms
Communications and other information you choose to provide to us

Information that may be collected automatically when you visit the Website includes:

Internet Protocol (IP) address
Browser and device information
General location information derived from an IP address
Pages viewed and links clicked
Date, time, and duration of Website visits
Referring and exit pages
Information about how visitors interact with and navigate the Website
Cookie and similar technology information

We do not ask visitors to submit sensitive personal information through general Website contact forms unless specifically necessary and appropriate.

2. How We Use Information

We may use information collected through the Website to:

Operate, maintain, secure, and improve the Website;
Respond to questions, inquiries, and requests;
Communicate with prospective and existing clients;
Provide information about ACS and our services;
Process requests for information or recovery analyses;
Understand how visitors use the Website;
Measure and improve Website performance and effectiveness;
Detect, investigate, and prevent security incidents, fraud, abuse, or other unauthorized activity;
Maintain appropriate business records;
Comply with applicable laws, regulations, legal processes, and governmental requests; and
Protect the rights, property, security, and interests of ACS, our clients, consumers, Website visitors, and others.

We may also use information for other purposes disclosed at the time it is collected or as otherwise permitted by law.

3. Information Related to Collection Accounts

ACS is a debt collection agency. In the ordinary course of providing collection services to our clients, ACS may receive and process information concerning consumers and accounts from clients, creditors, consumers, service providers, consumer reporting agencies, public records, and other lawful sources.

Such information is not necessarily collected through this Website and may be subject to separate legal, regulatory, contractual, privacy, security, and record-retention requirements.

Please do not use general Website contact forms to transmit Social Security numbers, complete financial account numbers, payment card information, medical records, or other highly sensitive information.

Consumers seeking to access information regarding an account or make a payment should use the account-access and payment options provided through our Website or contact ACS directly.

4. Cookies and Similar Technologies

Our Website and the technology providers that support it may use cookies and similar technologies. Cookies are small data files that may be stored on a visitor's device or browser.

These technologies may be used to:

Operate essential Website functionality;
Maintain Website security and help prevent fraud or abuse;
Remember certain Website preferences;
Monitor Website performance;
Understand Website traffic and visitor interactions; and
Improve the Website and user experience.

Our Website is hosted using Wix, which may use cookies and similar technologies necessary to operate, secure, maintain, and provide Website functionality.

Visitors may be able to control or delete cookies through their browser settings. Disabling certain cookies may affect the availability or functionality of portions of the Website.

5. Website Hosting and Service Providers

Our Website is hosted and supported by third-party technology and service providers, including Wix. These providers may process certain information as necessary to host, secure, maintain, and support the Website and related services.

We may also use other vendors and service providers to support legitimate business functions, including information technology, cybersecurity, communications, account access, payment-related services, and other operational functions.

These providers may process information in accordance with their respective agreements, privacy practices, and applicable law.

6. How We Disclose Information

ACS does not sell personal information collected through this Website for monetary consideration.

We may disclose information to:

Website hosting and technology providers;
Information technology and cybersecurity providers;
Communications providers;
Account-access and payment-related service providers;
Professional advisers, including attorneys, accountants, auditors, and consultants;
Other vendors and service providers that perform legitimate business functions on our behalf;
Governmental, regulatory, law-enforcement, judicial, or other authorities when required or permitted by law; and
Other parties when reasonably necessary to protect ACS, our clients, consumers, Website visitors, or others from fraud, security threats, illegal activity, or harm.

We may also disclose information when required or permitted by applicable law or in connection with a merger, acquisition, financing, reorganization, sale of assets, or other business transaction.

7. Third-Party Websites and Services

The Website may contain links to websites, account portals, payment systems, or other services operated by third parties.

When you leave the ACS Website and access a third-party website or service, that provider may collect and process information in accordance with its own privacy policy and terms.

ACS is not responsible for the privacy practices, security, or content of unaffiliated third-party websites or services. We encourage visitors to review the privacy notices of third-party services before providing personal information.

8. Data Security

ACS uses reasonable administrative, technical, and physical safeguards designed to protect information against unauthorized access, acquisition, disclosure, alteration, destruction, or misuse.

However, no website, computer system, electronic transmission, or method of data storage can be guaranteed to be completely secure. Accordingly, we cannot guarantee the absolute security of information transmitted through or stored in connection with the Website.

Visitors should use appropriate caution when transmitting sensitive information electronically.

9. Data Retention

We retain information collected through the Website for as long as reasonably necessary to fulfill the purposes described in this Privacy Policy, meet legitimate business needs, comply with applicable legal and regulatory requirements, resolve disputes, maintain appropriate records, and enforce agreements.

Retention periods may vary depending on the nature of the information and the purpose for which it was collected.

Information maintained in connection with collection accounts may be subject to different legal, regulatory, contractual, and business retention requirements than information collected through the public Website.

10. Children's Privacy

The Website is intended for a general audience and is not directed to children under 13 years of age.

We do not knowingly use the Website to solicit personal information from children under 13. If we learn that personal information from a child under 13 has been collected through the Website in circumstances requiring parental consent, we will take appropriate steps consistent with applicable law.

11. Privacy Rights and Requests

Depending on your state of residence and applicable law, you may have certain rights regarding your personal information. These rights may include the ability to request access to, correction of, deletion of, or information concerning certain uses or disclosures of personal information.

Not all rights apply in every circumstance, and certain information may be exempt from a request under applicable law.

To submit a privacy-related request concerning information collected through the Website, please contact us using the information provided below. We may take reasonable steps to verify the identity and authority of the person making the request before responding.

Nothing in this Privacy Policy is intended to create rights beyond those provided by applicable law or to restrict ACS's ability to collect, retain, use, or disclose information as permitted or required by law.

12. Changes to This Privacy Policy

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

When we make changes, we will update the "Last Updated" date at the top of this Privacy Policy. We encourage visitors to review this Privacy Policy periodically.

13. Contact Us

If you have questions regarding this Privacy Policy or our privacy practices relating to the Website, please contact:

American Collection Services, Inc.
3100 SW 59th Street
Oklahoma City, OK 73119

Phone: (405) 682-8088
Email: info@americanokc.com