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Privacy Statement

Associated Collectors, Inc. is committed to protecting your privacy and developing technology that gives you the most powerful and safe online experience. This Statement of Privacy applies to the Associated Collectors, Inc. Web site and governs data collection and usage. By using the Associated Collectors, Inc. website, you consent to the data practices described in this statement.

Collection of your Personal Information

Associated Collectors, Inc. collects personally identifiable information, such as your e-mail address, name, home or work address or telephone number. Associated Collectors, Inc. also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, gender, preferences, interests and favorites.

There is also information about your computer hardware and software that is automatically collected by Associated Collectors, Inc.. This information can include: your IP address, browser type, domain names, access times and referring Web site addresses. This information is used by Associated Collectors, Inc. for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Associated Collectors, Inc. Web site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through Associated Collectors, Inc. public message boards, this information may be collected and used by others. Note: Associated Collectors, Inc. does not read any of your private online communications.

Associated Collectors, Inc. encourages you to review the privacy statements of Web sites you choose to link to from Associated Collectors, Inc. so that you can understand how those Web sites collect, use and share your information. Associated Collectors, Inc. is not responsible for the privacy statements or other content on Web sites outside of the Associated Collectors, Inc. and Associated Collectors, Inc. family of Web sites.

Use of your Personal Information

Associated Collectors, Inc. collects and uses your personal information to operate the Associated Collectors, Inc. Web site and deliver the services you have requested. Associated Collectors, Inc. also uses your personally identifiable information to inform you of other products or services available from Associated Collectors, Inc. and its affiliates. Associated Collectors, Inc. may also contact you via surveys to conduct research about your opinion of current services or of potential new services that may be offered.

Associated Collectors, Inc. does not sell, rent or lease its customer lists to third parties. Associated Collectors, Inc. may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your unique personally identifiable information (e-mail, name, address, telephone number) is not transferred to the third party. In addition, Associated Collectors, Inc. may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Associated Collectors, Inc., and they are required to maintain the confidentiality of your information.

Associated Collectors, Inc. does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.

Associated Collectors, Inc. keeps track of the Web sites and pages our customers visit within Associated Collectors, Inc., in order to determine what Associated Collectors, Inc. services are the most popular. This data is used to deliver customized content and advertising within Associated Collectors, Inc. to customers whose behavior indicates that they are interested in a particular subject area.

Associated Collectors, Inc. Web sites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on Associated Collectors, Inc. or the site; (b) protect and defend the rights or property of Associated Collectors, Inc.; and, (c) act under exigent circumstances to protect the personal safety of users of Associated Collectors, Inc., or the public.

Use of Cookies

The Associated Collectors, Inc. Web site use "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a web server in the domain that issued the cookie to you.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the Web server that you have returned to a specific page. For example, if you personalize Associated Collectors, Inc. pages, or register with Associated Collectors, Inc. site or services, a cookie helps Associated Collectors, Inc. to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, shipping addresses, and so on. When you return to the same Associated Collectors, Inc. Web site, the information you previously provided can be retrieved, so you can easily use the Associated Collectors, Inc. features that you customized.

You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Associated Collectors, Inc. services or Web sites you visit.

Security of your Personal Information

Associated Collectors, Inc. secures your personal information from unauthorized access, use or disclosure. Associated Collectors, Inc. secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other Web sites, it is protected through the use of encryption, such as the Secure Socket Layer (SSL) protocol.

Changes to this Statement

Associated Collectors, Inc. will occasionally update this Statement of Privacy to reflect company and customer feedback. Associated Collectors, Inc. encourages you to periodically review this Statement to be informed of how Associated Collectors, Inc. is protecting your information.

Contact Information

Associated Collectors, Inc. welcomes your comments regarding this Statement of Privacy. If you believe that Associated Collectors, Inc. has not adhered to this Statement, please contact Associated Collectors, Inc. at eklundt@associatedcollectors.com. We will use commercially reasonable efforts to promptly determine and remedy the problem.

 

 

**THE INFORMATION BELOW APPLIES TO CALIFORNIA RESIDENTS**

 

Rights Under The California Consumer Privacy Act.

 

A.    The CCPA And Personal Information.

The California Consumer Privacy Act (“CCPA”), effective January 1, 2020, as clarified by the Regulations issued by the California Attorney General, grants privacy rights to California consumers in connection with their Personal Information.

 

Personal Information, or “PI,” is “information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.” PI, as defined in the CCPA, does not include personal information that is already subject to sector-specific privacy laws, including the Gramm-Leach-Bliley Act (GLBA) or the Health Insurance Portability and Accountability Act of 1996 (HIPAA), a federal law that imposes requirements on financial institutions to protect consumer data.

 

A consumer has rights regarding his/her PI, including:

 

• A right to know what PI is collected, used, shared or sold by the business;   

• A right to access PI collected and retained by the business;

• A right to require businesses and, by extension, their service providers, to delete PI, subject to certain exceptions;

• A right to opt-out of the business’ sale of PI; and

• A right to non-discrimination in terms of pricing or service for choosing to exercise a privacy right under the CCPA.

 

B.     A business subject to the CCPA must, at or before the point of collection of PI, inform a consumer as to the categories to be collected and the purposes for which it shall be used.

 

C.     Consumer Right To Know.

A covered business must disclose in its privacy policy the PI it has collected, sold, or disclosed for a business purpose in the past 12 months.

 

A business must disclose the following in response to a verifiable request to know:

• The categories of PI the business has collected about the consumer;

• The categories of sources from which that PI was collected;

• The business or commercial purpose for collecting or selling PI;

• The categories of third parties with which the business shares PI;

• The categories of PI the business sold and categories of third parties to which it was sold;

• The categories of PI the business disclosed for a business purpose and associated categories of third parties to whom those categories were disclosed; and

• If requested, the specific pieces of PI the business has collected.

 

D.    Consumer Right To Delete.

A California consumer has the right to request that a covered business delete his/her PI, subject to certain exceptions. Once a request is reasonably verified by the business, the PI requested to be deleted must be removed from the records held by that business and the business must direct its Service Providers with whom the information was shared to also delete the information, unless it is subject to an exception.

A request to delete may be denied if retaining the information is necessary to:

1. Complete the transaction for which it collected the PI, provide a good or service requested by the consumer, take action reasonably anticipated within the context of the ongoing business relationship with the consumer, or otherwise perform a contract with the consumer.

2. Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.

3. Debug products to identify and repair errors that impair existing intended functionality.

4. Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.

5. Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).

6. 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 the information's deletion may likely render impossible or seriously impair the research's achievement, if you previously provided informed consent.

7. Enable solely internal uses that are reasonably aligned with consumer expectations based on the consumer’s relationship with the business.

8. Comply with a legal obligation.

9. Make other internal and lawful uses of the information that are compatible with the context in which the consumer provided it.

 

E.     Consumer Right To Non-Discrimination.

A business must not discriminate against a consumer who exercises CCPA rights. A business may charge different prices or provide a different quality of goods or services, but only if the difference is reasonably related to the value provided to the consumer by the consumer's data. A business may offer financial incentives to a consumer for the collection, sale, or deletion of personal information on a prior, opt-in consent basis.

 

F.      Consumer Right To Opt-Out.

A business that sells PI to third parties must provide notice to consumers, clearly inform them of the right to opt out of the sale, and provide a "Do Not Sell My Personal Information" link on its website that enables the consumer to opt out of future sales.

A business is prohibited from selling the PI of a consumer the business knows is less than 16 years of age, unless (for a child between 13 and 16 years of age) the child has affirmatively authorized the sale or (for a child less than 13 years of age) the child’s parent or guardian has affirmatively authorized the sale.

 

G.    Privacy Policy Requirements.

A business must include the following in its privacy policy, to be updated every 12 months:

• A description of consumer CCPA rights, including the right to opt out of the sale of PI and a separate link to a "Do Not Sell My Personal Information" internet webpage if the business sells PI;

• The method(s) by which a CCPA request can be submitted; and

• A list of the categories of PI the business has collected, sold, or disclosed for a business purpose in the preceding 12 months.

 

How Do I Exercise My CCPA Rights?

  1. Instructions For Submitting A CCPA Consumer Rights Request To Us

If you are a California resident and wish to submit a CCPA Request to the Company, you may use one of the following methods:

 

Notify us by email at: peters@aciwisconsin.com

 

Notify us by the link on this web site

 

Call us, Toll-Free, at: (800) 354-6951

 

Please be advised that we are only required to respond to your request to know or access twice in any 12-month period.

 

We are required to keep a record of your CCPA request for at least 24 months, including any assigned reference number, the request date and nature of the request, the manner in which the request was made, the date and nature of our response, and the basis for any full or partial denial.

 

  1. Verification Of The Person Making A Request.

We need to be reasonably sure that the person making the request about your PI is you, or a representative authorized to make a request on your behalf. We cannot comply with your request if we cannot verify your identity or your authority to make a request for another person. Accordingly, before we can provide you with any substantive response, we must ask for information including, but not limited to, your full name, mailing address, account number, the last four digits of your social security number, and your date of birth to attempt to verify your identity and locate your records, if any.

 

To the extent possible, we will not ask you for new information to verify your identity, but instead will request information that we can cross-check against existing records. If we are unable to verify your request without new information, we will delete the new information as soon as practical after processing your CCPA request, except as may be required to comply with the CCPA’s record retention requirements.

 

We will never require you to create an account with us in order to verify your request, but if you already have an account we may use that information to assist with verification. We will only use information you provide to us during the verification process to try to verify your identity or your authority to make the request for another person.

 

Requests to access the specific pieces of information we may hold, and not just a list of the categories of information, require heightened verification procedures, and we may require you to submit a written declaration under penalty of perjury stating that you are the consumer whose PI is the subject of the request. In addition, certain pieces of information, such as a social security number, driver’s license number, government issued identification number or financial account numbers, account passwords or account security questions and answers, will not be disclosed in response to a CCPA request. If you wish to authorize someone else to act on your behalf in connection with your CCPA rights, we must receive proof that this person is authorized to do so. Proof can be provided by a consumer verifying his/her own identity directly with us and then providing written authority for a designated person to act on the consumer’s behalf, or through receipt of a power of attorney or other legal documentation of authority, or proof of registration with the California Secretary of State as a designated representative of another consumer. You may also make a verifiable consumer request on behalf of a minor child, which requires that you submit proof of your status as a parent or legal guardian.

 

  1. How and When Will We Respond?

 

Within 10 business days of receipt of your request, we will provide confirmation of your request and an associated reference number. This may be provided by letter, email, or at the conclusion of a web form submission or phone call during which you submit a request.  If you submit a Request to Delete, we may require you to re-confirm your choice to delete the information after verifying your request, but prior to any actual deletion that may be required. The Company strives to provide a response within 45 days of receiving your request. If we need additional time, or cannot verify your request, we will let you know.

We will send our response to your request by U.S. mail or email, at your option. Any information we provide will cover only the 12-month period preceding receipt of your request.  If we cannot respond to or comply with your Request to Know or Request to Delete, or we otherwise deny your request, we will explain our reasoning and decision in our response. We may, for example, deny a CCPA request if: (1) the request cannot be acted upon because the personal information that was collected and is maintained is solely in our role as a Service Provider, as that term is defined in the CCPA, (2) we cannot verify your identity, (3) we need to retain the information you seek to have deleted in order to complete the transaction for which it was collected, or (4) the information we maintain for you is exempt from the CCPA, such as information collected, processed, sold or disclosed pursuant to the Gramm-Leach-Bliley Act (GLBA) or the Health Insurance Portability and Accountability Act of 1996 (HIPAA).

 

We do not charge a fee to process your request unless it is excessive, repetitive, or manifestly unfounded, and we have informed you in writing of the reasoning behind a charge and its estimated cost. We will provide a cost estimate before completing your request if we determine that a charge is warranted.

 

  1. Disclosure of Company’s Service Provider Status

Company is a “Service Provider” of its clients, as that term is defined in the CCPA. Any PI that Company collects, maintains or processes is at the direction of and/or within the scope of Company’s role as a Service Provider and in order to fulfill our contractual responsibilities for the business purpose established in our client contracts. We do not collect or use your PI for our own purposes or any commercial purpose that falls outside the scope of our client contracts. We do not share or disclose PI for any reason that falls outside the scope of our contractual business purpose.

 

When a Service Provider receives a request to know or a request to delete from a consumer, it shall either act on behalf of the business for which it serves as a Service Provider in responding to the request or inform the consumer that the request cannot be acted upon because the request has been sent to a Service Provider. Thus, Company may respond to your request to know or request to delete by explaining that Company has collected, maintained or processed your PI solely in Company’s role as a Service Provider of Company’s client and, if feasible, we will provide you with contact information to submit a CCPA request to that client.