Last updated: January 31, 2023
This page informs you of our policies regarding the collection, use and disclosure of Personal Information that we receive from users through any websites operated by FCO (the "Sites").
When you request information from our Sites, such as detail or information regarding your account, we ask you to provide Personal Information to verify that you are a person to whom such details can be provided.
In addition to the information you volunteer when you log in to our Sites, we may also collect additional information such as “cookies”. Cookies are explained in more detail below.
All information and content on these Sites is provided "AS IS" and makes no warranties (express, implied or otherwise) regarding its accuracy, currency, completeness, merchantability, performance or fitness for a particular purpose. Furthermore, no other oral or written communications shall be deemed to create a warranty with respect to use of these Sites.
The security of your Personal Information is important to us, but remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
The information we collect is used for purposes consistent with FCO’s role as a debt collections agency, primarily for the proper identification of the debtor and other responsible parties, identification of the amount of the debt and the creditor to whom payment is owed, and for payment of past due accounts owed to our clients. Information about the debtor may be shared by FCO with consumer reporting agencies for consumer reporting purposes, with notification service vendors for the purpose of payment reminders, or with payment providers for the purposes of completing a payment transaction on a debt owed.
We do not allow third-party advertising companies or ad networks to display advertisements on our Sites. We DO NOT provide any Personal Information to unauthorized third parties.
We do not sell or trade any Personal Information about our customers, prospects, consumers or visitors to any third parties. We will not share your Personal Information with others, except as indicated below. We may share Personal Information with:
We do not collect personally identifiable information unless you choose to provide it to us. If you provide us with personally identifiable information, for example, by sending an e-mail or by filling out a form and submitting it through our Sites, we use that information to respond to your message and to help us provide you with the information and services that you request. All uses of that information are described on the Web page containing the form.
Submitting voluntary information constitutes your consent to the use of the information for the stated purpose. When you click the "Submit" button on any of the Web forms found on our sites, you are indicating your voluntary consent to use of the information you submit for the purpose stated.
Like many site operators, we collect information that your browser sends whenever you visit our Sites. This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Sites that you visit, the time and date of your visit, the time spent on those pages and other statistics.
To better serve our visitors, we use technology to track new and returning visitors actions while on the Site. These small files are commonly referred to as "cookies." Our cookies do not contain any personally-identifiable information. Our web measurement applications compare the behavior of new and returning visitors in the aggregate to help us identify work flows and trends and also resolve common problems on our sites.
Cookies are small files that Web servers place on a user's hard drive. They can serve several functions:
If you are concerned about the potential use of the information gathered from your computer by cookies, you can set your browser to prompt you before it accepts a cookie. You can remove or block the use of web measurement and customization technologies by changing the setting of your browser to block cookies as described at http://www.usa.gov/optout_instructions.shtml.
The California Consumer Privacy Act (CCPA) provides California residents with specific rights to access or delete personal information collected by FCO. California residents cannot be discriminated against for having exercised these rights under the CCPA. California residents are entitled to the following:
California residents have the right to request, free of charge, a disclosure from FCO of certain personal information collected by FCO over the past 12 months about the consumer and how this personal information is used. The following information can be disclosed within 45 days of a confirmed and verifiable consumer request:
California residents have the right to request the deletion of personal information collected by FCO within 45 days of the receipt of a verifiable consumer request with the following exceptions:
California residents may exercise the rights described above by calling our toll-free number at 877-203-5511, or logging into the FCO privacy portal at privacy.fco.com.
I've worked with FCO for many years. They're a top-notch organization meeting all our collection needs for our portfolio. I highly recommend FCO.
Chief Operating Officer