FCO Privacy Policy

Privacy Policy

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").

Information Collection

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.

Information Protection

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.

How Information is used

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.

Information Others May Collect

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.

Sharing Information with 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:

  • FCO’s Clients;
  • Service providers, such as credit-card payment processors performing services on our behalf;
  • Consumer reporting agencies (a/k/a credit bureaus) regarding your payment history with us; and
  • Law enforcement authorities in limited circumstances, such as complying with legal requirements including, but not limited to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the Health Insurance Portability and Accountability Act and their implementing regulations, preventing fraud and identity theft and protecting the safety of our users.
  • No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
Information that you voluntarily provide

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.

Log Data

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:

  • They allow the Web site to identify you as a previous visitor each time you access a site
  • They track what information you view at a site (important to ensure visitors find what they are looking for);
  • In the more advanced cases they track your movements through many Web sites but not the whole Web;
  • Businesses use them for customer convenience to allow them to produce a list of items to buy and pay for them all at one time and to garner information about what individuals are buying at their sites;
  • Advertisers use them to determine the effectiveness of their marketing and offer insights into consumer preferences and tastes by collecting data from many Web sites; and
  • They can be used to help a Web site tailor screens for each customer's preference.

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

Changes to This Privacy Policy

This Privacy Policy is effective as of December 30, 2019 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our Sites.

Contact Us

If you have any questions about this Privacy Policy, please contact us at 877-203-5511 or

California Residents

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:

Right of Access

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:

  • The categories of personal information we collected about you.
  • The categories of sources for the personal information we collected about you.
  • The business and commercial purpose for collecting or selling that personal information.
  • The categories of third parties with whom we share that personal information.
  • The specific pieces of personal information we collect about you.
Right to Deletion

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:

  • Complete the transaction for which the personal information was collected.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for illegal 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 by law.
Text Message Policy
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Contact Us

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

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