This Privacy Notice sets forth the information gathering, use, and dissemination practices of Creditor Advocates, Inc. (“Creditor Advocates”) in connection with the World Wide Web site located at www.creditoradvocates.com or any of its subdomains, www.capayonline.com or any of its subdomains, or https://cread.interprose.com/va/login.do?customerID=CREAD (its “Site”). This Privacy Notice addresses Creditor Advocate’s practices regarding information collected only directly through or from its Site – it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its Site, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media.
How Information is Collected:
There are several ways that we could receive personal and non-personal information:
What Information is Collected:
The types of personal and non-personal information we receive may include:
Technologies We Use:
We may collect certain information by automated means when you visit our Site, such as cookies, flash cookies, web beacons, and similar technologies.
How and When Information is Used:
Information provided by a user is used as permitted by federal, state and local regulations relating to privacy of personal information, consumer rights protection such as the Fair Debt Collection Practices Act, and relevant employment laws. We may use this information:
Sharing of Information
Except for the purposes listed in this section, individual Creditor Advocates entities do not make personal information available to any third parties, specifically including other individual Creditor Advocates entities, other than as permitted by law including, but not limited to, the Fair Debt Collection Practices Act and does not sell personal information obtained on the Site to any company or marketing group.
We may disclose identifiable information for the following purposes:
Our Site 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 Your Information
Creditor Advocates takes measures designed to prevent unauthorized intrusion to its Site and the alteration, acquisition or misuse of personal information by unauthorized persons. For example, we store the information you provide on computer servers with limited access that are located in controlled facilities. Your access to some services will require you to verify your identity. If there is a problem verifying identity through the Site we recommend you contact our office and speak to a representative directly.
You may also wish to close your browser window when you have finished using our Site and have entered any personal information. This is to ensure that others cannot access your personal information and correspondence if you share a computer with someone else or are using a computer in a public place like a library or Internet cafe.
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 Site, 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.
Do Not Track Disclosure
Our Site does not monitor for or behave differently if your computer transmits a “do not track” or similar beacon or message.
Social Security Number Protection
In the course of operating our business, we may collect or receive access to Social Security Numbers (“SSNs”). We protect the confidentiality of SSNs through various physical, technical, and administrative measures designed to protect against unauthorized access or use. We limit access to SSNs to purposes and uses that are lawful, and prohibit unlawful disclosure or use of SSNs.
This Site is intended for a United States audience. If you access this Site 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.
If you have any questions about this Agreement, please feel free to contact us.
Please note that Creditor Advocates is a debt collector and regularly attempts to collect debts. Any information obtained will be used for that purpose.
Version 2.0 – Updated on 06/11/2018.