NCS

California Consumer Protection Policy

PRIVACY POLICY IN COMPLIANCE WITH THE CALIFORNIA CONSUMER PRIVACY ACT

What Does NCS Do with Your Personal Information?

This notice is provided to you by National Credit Services, Inc. (“NCS”) pursuant to the California Consumer Privacy Act of 2018 (the “CCPA”).  This notice supplements the information in NCS’s Privacy Policy, and this notice applies to solely to visitors, users and others who reside within the State of California.  NCS is a debt collector and any information obtained will be used for that purpose.  This notice applies to NCS’s online and offline practices.  Terms used herein have the same meaning as defined in the CCPA.  Questions concerning this notice can be directed to NCS via email: privacyrequests@ncscollect.com or via telephone: 800-324-7564.

Data Security

NCS protects your personal information from unauthorized access and use.  To do this, NCS takes security measures that comply with the law.  NCS uses computer safeguards, secured files and buildings.  We do not sell your data, and we only share it with service providers that agree to abide by NCS’s security standards.  NCS also trains its employees on how to handle your data safely and securely.

Access Rights

You have the right to request that NCS disclose certain information to you about our collection of your personal information during the past 12 months. After NCS receives a verifiable consumer request, NCS will disclose to you:

  • The categories of personal information NCS collected about you;
  • The categories of sources from which your personal information was collected;
  • The categories of your personal information that NCS disclosed for a business purpose;
  • The categories of third parties to whom your personal information was disclosed for a business purpose;
  • NCS’s business or commercial purpose for collecting your personal information; and
  • The specific pieces of person information that was collected about you.
Right to Non-Discrimination

NCS will not discriminate against you for exercising your rights under the CCPA. This includes:

  • Charging you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties;
  • Providing you a different level or quality of goods or services; or
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
Deletion Rights

You have the right to request that NCS delete any personal information you about that we have collected about you.  However, that right does not apply where we need to retain your personal information in order to do any of the following:

  • Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between NCS and you;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
  • Debug to identify and repair errors that impair existing intended functionality;
  • Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
  • Denying you goods or services;
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent;
  • To enable solely internal uses that are reasonably aligned with your expectations based on your relationship with NCS;
  • Comply with a legal obligation; or
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.

Additionally, in the context of our role as a service provider, we are not obligated to comply with requests to delete information which is collected or maintained in our role as a service provider. Furthermore, requests to delete may be denied if deletion could restrict our ability to comply with federal, state or local laws, as well as our ability to exercise or defend legal claims.

If there are no applicable exclusions, once we receive your verifiable consumer request, we will delete any of your personal information which we have collected from you.

How to Exercise Your Rights

To exercise your access and deletion rights, discussed above, please submit your verifiable consumer request to NCS by either:

Only you, or a person that you registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information.  You may also make a verifiable consumer request on behalf of your minor child.  You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable request must:

  • provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative; and
  • describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

To verify your request, we will compare information you provided with the information NCS already has. We will match 2-3 identifying, personal information data points to verify that the request came from you or your authorized representative. We cannot provide you with personal information if we cannot verify your identity or your authority to make the request. If we cannot verify the request, we will notify you.

Categories of Personal Information Collected

NCS collets personal information from the following categories and sources:

  • Directly from our clients or their agents: examples include your name, address, social security number, date of birth, telephone number, email address.
  • Data you provide us or our clients: examples include your name, address, social security number, date of birth, telephone number, employment information, debts, sources of income, email address.
  • Data from credit reporting agencies: examples include your credit history, employment information.
  • Third parties and other service providers: examples include your name, address, social security number, telephone number.
Purposes for Collection of Personal Information

We may use or disclose the personal information we collect for one or more of the following business purposes:

  • Debt collection.
  • To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to process a payment, we will use that information to process said payment.
  • To provide you with information or services that you request from us.
  • To provide you with email or text alerts and other notices concerning our services.
  • To carry out our obligations and enforce our rights arising from any contracts entered into, including collections.
  • To carry out our obligations and enforce our rights arising from any contracts entered into, including collections.
  • To improve our website and present its contents to you.
  • For testing, research, analysis and service development.
  • As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
  • As described to you when collecting your personal information or as otherwise set forth in the CCPA.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without first providing you notice.

Categories of Personal Information Sold

NCS does not and will not sell, share, rent, or trade your personal information to any third party for any commercial purpose.

Categories of Personal Information Disclosed

NCS engages certain trusted third parties to perform functions and provide services to us for a business purpose. We may share your personal information with these third parties, but only to the extent necessary to perform these functions and provide such services. We also require these third parties to maintain the privacy and security of the Personal Information they process on our behalf. 

The following categories of personal information may be for a business purpose: personal identifying information, such as name, date of birth, address, phone number, or social security number.

Categories of Third Parties to Whom Data is Disclosed

NCS discloses your data, for business purposes, to the following categories of third parties:

  • Service providers;
  • Third parties to whom you or your authorized agent authorize us to disclose your data.
Changes to this CCPA Privacy Policy

This Notice was last updated on March 3, 2021. We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will notify you by email or through a notice on our website homepage.