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<HTML> <HEAD> <LINK href="css/style.css" type="text/css" rel="stylesheet"> </HEAD> <body> <TABLE id="Table4"bgcolor="#FFFFFF" id="Table1" cellSpacing="0" cellPadding="0" width="540" border="0"> <TR height="119"> <TD> <table width="97%" border="0" cellspacing="0" cellpadding="0"> <tr> <td valign="top" class="vertDevidermid"> </td> <td width="540" align="left"><img src="images/Privacy Policy for eCollectionLetters.jpg" alt="Privacy Policy" width="540" height="42" /></td> </tr> <tr> <td class="vertDevidermid"> </td> <td> </td> </tr> <tr> <td width="15" class="vertDevidermid"> </td> <td valign="top"><table width="100%" border="0" align="center" cellpadding="0" cellspacing="0"> <tr> <td width="100%" colspan="2"><p class="bodyText">This Privacy Policy discloses the privacy practices of eCollectionLetters.com. It describes how we use and do not use information provided to us at eCollectionLetters.com, and the steps we take to protect it. This Privacy Policy only applies to information collected online.</p> <h5 class="bodyTextBlue">Personal information we collect online</h5> <p class="bodyText">When you purchase a collection letter series on eCollectionLetters.com, we ask you to create an account with us so that we may accurately track all collection demand letter series you send through our service. You will only have to sign up for an account once and on subsequent visits, you will login using your email address and a unique access password that you designate. The account set up process will ask you for your name, address, phone number, email address and other personal information necessary to set up an account for you.</p> <p class="bodyText">For purposes of billing, you will need to provide your credit card number, expiration date, security code, card holder name, and billing address for the card.</p> <p class="bodyText">For your privacy and security, we do not store credit card numbers in your account. You may change saved account information at any time. Simply log in with your email address and password and click the “Update Account” button on the Account Information page to enable the fields for editing.</p> <h5 class="bodyTextBlue">Cookies and other computer information</h5> <p class="bodyText">When you visit eCollectionLetters.com, small text files known as "cookies" will be stored on your computer's hard drive. Cookies allow us to enhance and customize your online experience with us and improve the design of our site. These cookies store random ID numbers and site navigation information such as your first and last visits, number of visits, and the pages you viewed on our web site. Cookies also may collect certain technical information from your computer. This technical information may include your Internet Protocol (IP) address, your computer's operating system, browser type and the address of a referring website, if any. The information stored in a cookie cannot be used to identify you personally unless combined with information that you have provided in connection with a purchase or setting up an account. Although IP addresses alone can reveal the location of your computer, we will use such information only to investigate and identify unauthorized activities.</p> <p class="bodyText">eCollectionLetters.com uses session cookies to observe your navigation throughout the web site for the purposes described above. You may set your Web browser to notify you when you receive a cookie and you may also erase cookies from your browser after interacting with us. Deleting a cookie will not prevent you from purchasing at our site in the future. You may also set your Web browser not to accept cookies.</p> <p class="bodyText">If your Web browser is not set to accept cookies, you will not be able to use our web site because we will not be able to verify that you have logged into the system. Once you have created an account with us, you will only be able to purchase a Collection Letter Series (CLS) by logging into your account.</p> <h5 class="bodyTextBlue">How will my information be used?</h5> <p class="bodyText">Information collected on eCollectionLetters.com may be used in the following ways:</p> <ul class="MyBlock"> <li class="bodyText"> Create an online account for you at eCollectionLetters.com </li> <li class="bodyText"> Bill your credit card for your purchases. </li> <li class="bodyText"> Confirm and track your orders </li> <li class="bodyText"> Respond to your customer service inquiries </li> <li class="bodyText"> Offer the products and services to you </li> <li class="bodyText"> Improve our website design </li> </ul> <h5 class="bodyTextBlue">Is information shared with third parties?</h5> <p class="bodyText">We do not rent, sell or exchange your name or other personally-identifiable information to third-party companies for their marketing purposes. </p> <p class="bodyText">We do however employ other companies and individuals to perform functions on our behalf. Examples include verifying and processing credit card transactions. Fulfilling orders, delivering packages, sending postal mail and email, analyzing data, providing marketing assistance and providing customer service. To perform these functions, these companies and individuals may have access to personal information needed to perform their functions, but may not use it for other purposes.</p> <p class="bodyText">As we continue to develop our business, we might sell or buy assets. In such transactions, customer information generally is one of the transferred business assets. Also, in the unlikely event that eCollectionLetters.com or substantially all of its assets are acquired, customer information will of course be one of the transferred assets.</p> <p class="bodyText">We may also release customer information when we believe release is appropriate to comply with the law; enforce or apply our Terms and Conditions of Use and other agreements; or to protect the rights, property, or safety of eCollectionLetters.com, our users, or others. This includes exchanging information with other companies and organizations for fraud protection.</p> <h5 class="bodyTextBlue">Accessing and updating my information</h5> <p class="bodyText">You can access and correct information you have shared with us online through your account with eCollectionLetters.com. Simply log in with your email address and password, then click the "Update Account" button on the Account Information page and edit or delete whatever information you wish. Do not share your eCollectionLetters.com password with anyone.</p> <h5 class="bodyTextBlue">What kinds of communications will I receive?</h5> <p class="bodyText">The personal information you supply us will be added to our database. eCollectionLetters.com uses emails to inform you of activity you initiate with our service. When you purchase a demand collection letter series, you will be notified by email when a demand collection letter is mailed to your customer or the status of a demand collection letter changes. You will also receive an email when you make purchases with us.</p> <p class="bodyText"> We may also, on occasion, send emails about our services [or third-party products] when you have expressed an interest in them. When you receive the email, you have the opportunity to 'Opt Out' and remove yourself from continued receipt of e-mails. </p> <p class="bodyText">By submitting your information to us, you are consenting to the uses we describe above. If you do not consent to these uses, we suggest you opt out where available, activate blocking technology if available in your browser, or choose not to submit your data.</p> <h5 class="bodyTextBlue">Security</h5> <p class="bodyText">We protect our databases with various physical, technical and procedural measures and we restrict access to your information by unauthorized persons. Our information systems are maintained behind a software firewall to isolate them from access by other networks connected to the Internet. We also advise all eCollectionLetters.com employees about their responsibility to protect customer data and we provide them with appropriate guidelines for adhering to our company's business ethics standards and confidentiality policies. </p> <p class="bodyText">All information transmitted through eCollectionLetters.com is stored on our secure server. We use Secure Sockets Layer (SSL) technology, which is the electronic commerce standard for securing information as it travels over the Internet. SSL technology is designed to encrypt your information, preventing an unauthorized party from viewing and downloading your information. Your web browser should display a web address with an "https" prefix, indicating that the SSL technology is operating when using our website.</p> <h5 class="bodyTextBlue">Linking to and from outside websites</h5> <p class="bodyText">eCollectionLetters.com sometimes provides links to other companies' websites. Unless we expressly say otherwise, a link to another website does not mean that we are responsible for, or that we endorse the content or policy of that website. When you provide information at one of those sites, you are subject to that site's privacy policy. We encourage you to read that website's policy before submitting any information if you have concerns about how information may be collected or used.<span style="mso-spacerun: yes"> </span> </p> <h5 class="bodyTextBlue">Conditions of Use, Notices, and Revisions</h5> <p class="bodyText">If you choose to visit eCollectionLetters.com’s website, your visit and any dispute over privacy is subject to this Privacy Policy and our Terms and Conditions of Use, including disclaimers of warranties and application of the law of the State of California. If you have any concern about privacy at eCollectionLetters.com, please send us a thorough description to the address below and we will try to resolve it. This Privacy Policy and the Terms of Conditions and Use may change without notice, and use of information that we gather now is subject to the Privacy Policy in effect at the time of use.<span style="mso-spacerun: yes"> </span>If you have concerns, please check this policy and the Terms and Conditions of Use before submitting information to eCollectionLetters.com.</p> <h5 class="bodyTextBlue">Whom do I contact with questions?</h5> <p class="bodyText">If you have any questions or comments about this Privacy Policy, call us at (888)222-8555 or write us at:</p> <p class="bodyText"><span class="companyTitle">eCollectionLetters.com<br /> A division of PS Credit<br /> 2044 First Avenue, Suite 300<br /> San Diego, CA. 92101-2079 </span> <br /> <br /> Please remember to include your postal address, email address and phone number with your correspondence.<br /> </p> <h5 class="bodyTextBlue">Privacy Policy changes</h5> <p class="bodyText">We may make changes to the eCollectionLetters.com website, our Privacy Policy, and/or the Terms of Service and Conditions of Use that govern the use of this website at any time and we encourage you to review these policies and statements periodically for any updates or changes.<span style="mso-spacerun: yes"> </span>Your continued access or use of eCollectionLetters.com shall be deemed your acceptance of those changes and the reasonableness of these standards for notice of changes.</p></td> </tr> <tr> <td colspan="2" class="bodyText"> </td> </tr> </table> </TD> </TR> </TABLE> </body> </HTML>
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