Your privacy is important to Pioneer Credit Recovery, Inc. The following Privacy Notice applies to individual consumers whose information we obtain while providing services to our clients. We collect and use personally identifiable information (“information”) about you to conduct and manage our business.
Sources of this information include the following:
• Information we receive from the entity on whose behalf we provide services (the “Creditor”) and from applications submitted by you to the Creditor;
• Information we receive from you through correspondence or communication with us, whether by mail, telephone, or the Internet, and which may include your name, address, Social Security number, assets, income, or other information you provide;
• Information about your transactions with us, our affiliates, or others, such as your account balance and payment history; and
• Information we receive from third parties, such as consumer reporting agencies.
The types of personally identifiable information about you that we collect on our websites, from others, affiliates or other companies include the following:
• Contact information such as your name, address, email address, or telephone number.
• Identification information such as a Social Security number or a mother's maiden name.
• Financial information such as income, assets, liabilities, or account and payment information.
We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act (“FDCPA”). We may share information we collect with third parties that provide mailing and/or other collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. You may have other privacy protections under state laws. These measures include computer safeguards and secured files and buildings. The only Pioneer Credit Recovery employees who are authorized to see your personal information are those who need it as part of their jobs.
We may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use our Site or open a Pioneer Credit Recovery email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to the Pioneer Site. You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our Site may not work properly. To the extent permitted by applicable law, third parties, including our service providers, may collect information about your online activities over time and across different Sites, including when you visit our Site. Some browsers have a “do not track” feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser “do not track” signals.
We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.
The effective date of this notice is July, 2016. It replaces all prior privacy notices issued by Pioneer Credit Recovery. We reserve the right to amend this privacy notice at any time and we will inform you of any changes to this notice by posting the revised privacy notice on our website, or as otherwise required by law.
Privacy Act of 1974 (Applicable to Customers with Federally Owned Debt)
The Privacy Act of 1974 (5 U.S.C. 552a) requires that the following notice be provided to you:
The authority for collecting the requested information from and about you is 421 et seq. of the Higher Education Act of 1965, as amended (20 U.S.C. 1071 et seq.). The principal purpose for collecting the information about you on this website is to allow the electronic servicing of your loan. Your disclosure of the requested information is voluntary, but you must provide the requested information in order to participate in electronic servicing of your loan. The information in your file may be disclosed, on a case-by-case basis or under a computer matching program, to third parties as authorized under routine uses in the appropriate systems of records notices. The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan, to permit the servicing or collection of your loan(s), to enforce the terms of the loan(s), to investigate possible fraud and to verify compliance with federal student financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default. To provide default rate calculations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to state agencies. To provide financial aid history information, disclosures may be made to educational institutions. To assist program administrators with tracking refunds and cancellations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal or state agencies. To provide a standardized method for educational institutions to efficiently submit student enrollment status, disclosures may be made to guaranty agencies or to financial and educational institutions. To counsel you in repayment efforts, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal, state, or local agencies.
In the event of litigation, we may send records to the Department of Justice, a court, adjudicative body, counsel, party, or witness if the disclosure is relevant and necessary to the litigation. If this information, either alone or with other information, indicates a potential violation of law, we may send it to the appropriate authority for action. We may send information to members of Congress if you ask them to help you with federal student aid questions. In circumstances involving employment complaints, grievances, or disciplinary actions, we may disclose relevant records to adjudicate or investigate the issues. If provided for by a collective bargaining agreement, we may disclose records to a labor organization recognized under 5 U.S.C. Chapter 71. Disclosures may be made to our contractors for the purpose of performing any programmatic function that requires disclosure of records. Before making any such disclosure, we will require the contractor to maintain Privacy Act safeguards. Disclosures may also be made to qualified researchers under Privacy Act safeguards.