Privacy Policy

Your privacy is important to Creditor Advocates. This privacy policy covers how we collect, use, maintain, and disclose your personal information and is part of our Terms of Use. 

Any changes to this Privacy Policy are effective immediately. We reserve the right to modify this Privacy Policy at any time. We do so by posting and drawing attention to the updated Privacy Policy on the main page of our website, at a minimum. It is the obligation of users visiting our website before the change to learn of changes to the Privacy Policy since their last visit. 

Personal Information We Collect

Personal identifiable information is data that can be used to identify or contact you. This information is collected in order to provide and improve our services and/or products.

Below are some examples of the types of personal information we collect:

  • When transferring an account, the creditor may provide a variety of information including, but not limited to, your full name, address, phone numbers, social security number, date of birth, and email address. They may also provide information pertaining to your account, such as original creditor, current creditor, account number, payment history, and/or remaining balance, among other information.
  • You may provide us with information directly. Examples may include, but not limited to, your name, spouse’s name, address, phone numbers, email address, consent, account numbers, credit card information, bank information, account information, or other personal identifying information. 

Any interaction with us or information supplied to us that cannot be combined or linked with an existing account or transaction, or isn’t readily combined or linked with such, may not be considered personal information, unless and until such information is combined or linked with other personal identifying information, such as your name, address, and/or account information. For example, when you access our website, a variety of generic information may be collected and stored in log files. This may include, but not limited to, date/time stamp of interaction, IP address, type of browser, type of operating system, user interface interactions (such as, but not limited to, mouse clicks and/or navigation on our website, applications, or emails), or other usage information. Although this data may be detailed, it lacks the connection to you or an account. This general usage information would only be considered personal information when those detailed interactions are combined and linked with other personal information, such as your name, address, and/or account information. 

Sources of Personal Information 

Most of the information we have is provided to us by the original creditor, current creditor, servicer, or party placing your account(s) with us. We also receive information directly from you via phone call, text, sms, mail correspondence, email correspondence, in person, chat sessions, and/or other web or electronic applications. We occasionally receive information from contracted law firms, servicers, or other third parties that may service your account. We sometimes receive information from third party vendors who help us enhance and confirm the validity of our information as it relates to address, phone number, bankruptcy, deceased information, fraud, military status, employment, property information, credit worthiness, and/or demographics. 

If you are a potential candidate for employment with Creditor Advocates, we may have received your personal information from a recruiter or external website.

Use of Personal Information 

Personal information is used to provide and improve our service and/or products. This information is used to identify specific customers for whom we provide our services, learn and analyze trends and behaviors, administer our electronic applications, to comply with state, federal, and local laws and to demonstrate compliance with those laws. 

Some examples of how we use your information include, but not limited to: (1) Provide the services and customer support you request; (2) Process transactions and send notices about your transactions; (3) Resolve disputes and troubleshoot problems; (4) Prevent potentially prohibited or illegal activities, and enforce our Terms of Use; (5) Customize, measure, and improve our services and the content and layout of our website; (6) Help us create, develop and improve our content and services, including through internal auditing and data analysis; and (7) Compare information for accuracy and verification purposes. If you apply for a job at Creditor Advocates we use the information we receive to evaluate your candidacy and contact you.

Our website 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.  

Our emails may contain pixel tags. Pixel tags can enable us to tell us whether the email has been opened, depending on your email provider. If you prefer not to be tracked in this way, you should not open our emails. Our email messages may contain “click-through URL” that are linked to web pages on our website or third party sites. We track this click-through data to help us determine our customer’s communication preferences or interest in particular topics. You should not click text or graphic links in the email if you prefer not to be tracked in this way. 

Our website does 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.

If any correspondence or information is received by us in which it cannot be combined or linked with an existing account or transaction, the correspondence or information may be returned, securely stored, or destroyed. If this correspondence is later combined with personal information, we will then treat the combined information as personal information for the purposes of this Privacy Policy at that point. 

Sharing of Personal Information 

We do not sell personal information.  We do not allow our third-party service providers to sell personal information or otherwise use it for marketing purposes.

Personal information is shared with our creditor client and/or with a limited number of contracted third party service providers who help us provide our services, which may include, but not limited to, information verification, managing and enhancing customer data, mailing, payment processing, and account referral. When information is shared, we only share the minimum amount of information necessary for the particular third party to assist us in providing our services and require those third parties to handle it in accordance with relevant laws. 

Examples on how we share information include, but not limited to: 

  • Processing your payment, we may share your credit card or bank information with the card-issuing bank to complete the payment you authorized. 
  • In the process of communicating with you, we may share your email address, physical address, or phone number with the delivery service to deliver any communication, message, or requested account documents. 
  • For compliance, we may share name, address, and social security number to ensure no bankruptcy, deceased, address or phone number changes have occurred during the servicing of your account. 
  • For regulatory compliance, we may share account and personal information with state regulators conducting an audit pursuant to state or federal licensing statutes.

Law enforcement or judicial authorities may occasionally require us to disclose information. We will only disclose information when there is a lawful basis or if disclosure is reasonably necessary to demonstrate compliance with the law.

We may transfer information about you in the event of a business transaction, such as if we or one of our business units or our relevant assets are acquired by, sold to, or merged with another company.

Generic data may be shared with our clients, potential clients, or governmental regulators. This information may include de-identified visitor and user interactions with our services and/or products, or generic aggregate demographic information not linked to any personally identifiable information. 

Third Party Websites and Other Applications

Our website may contain links to other sites whose information practices may be different from ours. Visitors should consult the other sites’ privacy policies before submitting any information, as we have no control over information that is submitted to, or collected by, these third parties.

How We Protect Personal Information

We take data security seriously. Creditor Advocates takes measures designed to prevent unauthorized intrusion and the alteration, acquisition or misuse of personal information by unauthorized persons. For example, we store personal information on computer servers with limited access that are located in controlled facilities and we require encryption in the transmission of that data. Your access to some services will require you to verify your identity. If there is a problem verifying identity through the website we recommend you contact our office and speak to a representative directly.

No data transmission over the Internet is guaranteed to be 100% secure. In spite of our efforts to protect and maintain the confidentiality of any personal information you provide to our website, Creditor Advocates cannot ensure or warrant the security of any information you transmit to us. You transmit all such information at your own risk. Please contact our offices directly if you would prefer to speak to a representative.

Data Integrity and Retention 

You can help ensure your account, contact information, and preferences are accurate, complete, and up to date by contacting us. 

Due to the underlying relationship between you and the creditor, we are required to retain your data. We may also be required to retain data for longer periods for legal reasons, depending on the type of account and related transactions, licensing statutes, statute of limitations, or other statutory obligations. 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.  

U.S. Audience

This website is intended for a United States audience. If you access this website from outside the U.S., you acknowledge, agree, and consent that any information you provide, including any personal information, will be transferred to and processed by a computer server located within the U.S., and subject to U.S. laws and regulations. Further, if you access this site from outside the U.S., you acknowledge and agree that you are responsible for compliance with any applicable local or national laws, rules or regulations applicable to such use.

California Privacy Rights

California Civil code § 1798.83 provides certain rights to California residents, including the right to request information regarding our disclosure of personal information to third parties for marketing purposes. To request such information, please contact us as described below.

California Consumer Privacy Act 

Requests to Know or Delete: For California consumers call (866) 357-7522 or write to the address below to exercise your rights.

Direct Creditor Requests: Information concerning how you can exercise your rights directly with the creditor or current creditor, visit their website directly or contact them directly. 

Other Disclosures 

Please note that Creditor Advocates is a debt collector and regularly attempts to collect debts. Any information obtained will be used for that purpose. For other important information, please visit our Disclosures page. 

Contact Us

If you have any questions about this Privacy Policy, please feel free to contact us.

Creditor Advocates Inc 

1551 Southcross Dr W STE C

Burnsville, MN 55306 

Phone: (866) 357-7522

Version 20191231 – Updated on 12/31/2019. 

This communication is from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.