Privacy Statement
Last Updated: March 17th, 2025
This Credit Corp Privacy Statement (“Privacy Statement”) is designed to tell you about the practices of Credit Corp Solutions Inc. ( “Credit Corp”, “we”, “us” or “our”) with respect to the collection, use, and disclosure of information about you that we receive through our website located at www.creditcorponline.com, including your use of our payment portal (the “Portal”) made available through the Site ( collectively, the “Site”). This Privacy Statement only addresses information collected directly through or from the Site – it does not address or govern any information-gathering, use, or dissemination practices related to information collected from a visitor or user (sometimes referred to as "you" or "your") other than directly through or from the Site, such as from telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media. If you are a California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Maryland, Minnesota, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Oregon, Rhode Island, Tennessee, Texas, Virginia or Utah resident, you have additional rights afforded to you under these states’ laws. Additional information about such rights and how to exercise them can be found on our Supplemental State Privacy Notice (“Supplemental Privacy Notice”).
This Privacy Statement is incorporated into Credit Corp’s Terms and Conditions for the Site by reference, as if set forth fully therein. By accessing and using the Site, you expressly consent and agree to the Terms and Conditions and this Privacy Statement, confirm that you are not located outside the United States, and are at least eighteen (18) years of age. We currently only accept business and Site visitors within the United States.
If you have any questions concerning this Privacy Statement, please email Credit Corp at customercare@creditcorponline.com.
If you have a financial product or service with us, we share information we collect from or about you in accordance with our Customer Privacy Notice. If there are any conflicts between the terms of this Privacy Statement and the terms of our Customer Privacy Notice, the terms of the Customer Privacy Notice will control.
- What is Personal Information?
“Personal Information” is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular individual. If we combine non-identifiable information with Personal Information, we treat the combined information as Personal Information. Publicly available information lawfully obtained from federal, state or local government records is not considered Personal Information.
- Collection of Personal Information.
What you give us: We collect the information that you provide to us when you interact with us and our agents. For example, when you register for an account for the Portal, we may collect your email address, date of birth, the last four digits of your social security number, and your zip code. Certain parts of the Portal may require that you provide additional information, such as mobile telephone number, driver’s license number, or bank account, or credit card information. Additionally, when you use the chat function on our Site or speak with us and our agents through the phone, we may collect any personal information you provide us during such chat or phone call (through our transcripts of the chat or recordings of the call).
From the original creditor: We may receive Personal Information about you from the original creditor, such as account balance, payment history, and account activity.
From credit reporting agencies and other vendors: We may receive information from credit reporting agencies, such as credit scores and history, employment history, and other information related to your creditworthiness.
Public records: We may obtain access to public records, such as court filings or tax data.
Automatically collected information: We also collect certain information through automated means. Some of the information we collected through automated means may, whether alone or combined with other data, be Personal Information. You can learn more about this in the Section called “Passive Information Collection Uses and Choices” below.
- Use of Personal Information Collected.
We may use Personal Information to provide the Site to you and to improve the Site, collect the amounts owed pursuant to your payment plan, to service and manage your accounts, to validate or verify the existence of any dispute involving payment, to optimize our collection strategy, to respond to your inquiries or requests, including through the chat function on the Site, for our analyses, to give each visitor a more consistent and personalized experience when interacting with us, for customer service, quality assurance and record-keeping purposes, for security, to detect fraud or illegal activities, and for archival and backup purposes in connection with the provision of the Site.
We may also use Personal Information as we believe to be necessary or appropriate: (a) under applicable law; (b) to comply with legal process; (c) to respond to requests from public and government authorities, including public and government authorities outside your country of residence; (d) to enforce our Terms and Conditions and this Privacy Statement; (e) to protect our operations or those of any of our affiliates; (f) to protect our rights, privacy, safety or property, and/or that of our affiliates, you, or others; and (g) to allow us to pursue available remedies or limit the damages that we may sustain.
Where permitted by applicable law, we may use Personal Information to promote our products and services, and the products and services of our affiliates. If you are a customer of Credit Corp with a financial product or service, you may prevent the sharing of certain Personal Information with our affiliates for marketing their products or services as described below under “Opting Out of Information Sharing.”
You may consent to receive SMS text messages and telephone notifications from us. If you consent, we will collect information about your interactions with the, SMS text messages and telephone calls that we may send to you from time to time. By providing your phone number and clicking submit online, you agree to our Terms and Condition and this Privacy Statement, and authorize us to make or initiate calls (including sales calls), text messages and artificial or prerecorded voicemails to that phone number using an automated system. Your agreement is not a condition of purchasing any products, goods or services and you may elect to do business with us over the phone. Message & data rates may apply and message frequency may vary. If you have any questions about your text plan or data plan, it is best to contact your wireless provider. Carriers are not liable for delayed or undelivered messages. Telephone communications and text messages will be sent to the mobile telephone number that you provide through the Portal. You may choose to opt out of receiving SMS text messages from us at any time by following the unsubscribe instructions included in the message or by replying STOP. After you reply STOP, we may send you an SMS text message to confirm that you have been unsubscribed. After this, you will no longer receive SMS text messages from us. If you need assistance, please reply HELP. We do not sell information that we obtain from you through SMS text messages and telephone calls you opt-in to, including Personal Information you submit to us online to consent and opt-in to such communications, and we do not share that information with non-affiliated third parties for any purpose other than to provide the services, and other information requested by you, or to fulfill our legal obligations.
You may also choose to opt-out of receiving marketing emails from us by following the unsubscribe instructions included in such emails, updating your communications preferences in your account on the Site or contacting us at customercare@creditcorponline.com.
Finally, we may use Personal Information in additional ways when we receive your express consent.
We may remove the elements of your Personal Information that could identify you. We may use and disclose the resulting “de-identified” information without restrictions. For example, Credit Corp may create de-identified, statistical, and aggregate data to prepare reports about the Site, including the Portal, that do not identify individual users.
- Disclosure of Personal Information.
Personal Information may be shared with the following parties for the purposes described below:
with the original creditor for purposes of collecting a debt;
with our affiliates, vendors, and contractors who assist us in managing, administering or delivering our products and services and the Site, including those who provide us with mailing services and collection-related services, AI solutions to summarize call notes and provide suggestions to help our call agents with collection strategy, and chat functionality on the Site. We will require such parties to use and protect the information about you according to this Privacy Statement and other requirements that we place upon them by contract;
with third parties, such as a financial institution or credit bureau, to validate or verify the existence of any dispute involving payment;
with others when you expressly direct us to share information about you;
with affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws. See the section below called “Opting Out of Information Sharing” for more information;
in connection with the sale, assignment, or other transfer of some or all of the assets of our business, we may transfer the information about you, in which case we will require any such buyer or acquiring party to agree to treat the information in accordance with this Privacy Statement; and/or
to respond to law enforcement requests or to comply with applicable laws, court orders or government regulations.
We will not sell or otherwise give Personal Information about you to non-affiliated third parties for their marketing purposes.
- Passive Information Collection, Use, and Choices
As you navigate the Site, certain information relating to you, your computer or your device, may be passively collected, meaning it is gathered without your actively providing it. This is done using the following technologies in the following ways:
i. Through your browser: Certain information is collected by most browsers, such as your IP address, online identifiers, approximate geographic location, Site page traffic and timing.
ii. Through your device: If you access the Site through a mobile device or other network-connected product, certain information may be collected about that device, including unique device identifiers associated with the device you use to access the Site.
iii. Using cookies: Cookies are pieces of information stored directly on the computer you are using. Cookies allow us to collect information such as approximate geographic location, Site page traffic and timing, when documents on the Site are viewed, actions taken on the Site (e.g., clicking arrangement or settlement offers), access times and dates, registration time stamps, payment arrangement details (e.g., amounts, dates, and payment detail types (debit, credit, ACH)), arrangement amount and frequency proposed, two factor authentication pin numbers and verification of pins through login. We and our service providers use this information for security purposes, to facilitate navigation, display information more effectively, and to personalize your experience while using the Site. For instance, we use cookies to:
(a) recognize your computer or device to make your use of the Site easier, such as to remember your locations of interest and other preferences with the Site; and
(b) gather statistical information about use of the Site in order to continually improve its design and functionality, understand how individuals use it, and to assist us with resolving questions regarding it.
Web browsers allow some control of most cookies through the browser settings. To learn more about cookies, including how to manage and delete cookies, please visit http://www.allaboutcookies.org.
iv. Using Monitoring Tools: We may utilize pixel tags, web beacons, clear GIFs, Flash Shared Objects, HTML5 Local Storage, HTML5 Mini Databases, and other similar technologies, both on certain aspects of the Site and in HTML-formatted e-mail messages to you. These monitoring tools are used for the purpose of, among other things, measuring the success of our email marketing campaigns, compiling statistics about Site usage and response rates, and tracking the activities of users of the Site and e-mail recipients.
v. IP Address: Your IP Address is a number that is automatically assigned to the computer that you are using by your Internet Service Provider. An IP Address is identified and logged automatically in our server log files whenever a user visits the Site, along with the time of the visit and the page(s) that were visited. Collecting IP Addresses is standard practice on the Internet and is done automatically by many online service providers, including website operators. We use IP Addresses for purposes such as calculating Site usage levels, helping diagnose server problems, and administering the Site.
vi. Analytic Tools: We also use tools and third-party services to collect information about usage of the Site, including Google Analytics. To learn more about privacy and Google Analytics, please consult the Google Analytics overview provided by Google at: https://www.google.com/policies/privacy/partners/. Generally speaking, Google Analytics collects information on how often users visit the Site, what aspects of the Site they visit when they do so, and what other websites users visited prior to accessing the Site. You may prevent your data from being collected and used by Google Analytics by opting out through the use of the Google Analytics Opt-out Browser Add-on.
If you are uncomfortable with the idea of information related to you being collected and used in these ways, most computer systems, devices, and web browsers offer privacy settings and options, such as disabling cookies, or opting for “Do Not Track” features. We do not override these settings or options and encourage you to use them to enhance your choices and personalize your experiences. However, in order to access certain content, features, services, products, or benefits of the Site, including the Portal, you may be required to provide us with certain information. If you do not wish to provide that information through the Site, or if you opt to utilize the aforementioned privacy features, you may be unable to obtain certain content, features, services, products, or benefits of the Site.
- External Websites and Online Services
Our Site may contain links to third-party websites and online services. Any access to and use of such third-party websites and online services is not governed by this Privacy Statement, but is instead governed by the privacy policies of those third-party websites and online services, and we are not responsible for the information practices of such third-party websites and online services.
- Security Measures.
We take reasonable steps to protect information about you in our possession and control, such as for information associated with the Portal, and to protect such information from loss, misuse, and unauthorized access, disclosure, alteration, or destruction. You should keep in mind that no Internet transmission is ever completely secure or error-free. In particular, e-mail sent between you and us may not be secure.
- Access to and Ability to Correct Personal Information.
You may review, modify, correct, change, or update your account information by going to the Contact Details tab of the Portal.
- Opting Out of Information Sharing.
If you would prefer not to receive marketing materials from Credit Corp’s affiliates about their products or services, you can opt out of such affiliate marketing by either (1) calling Credit Corp at (800)-483-2361, or (2) visiting www.creditcorponline.com and downloading, completing, and returning the applicable Affiliate Marketing Opt-Out Form to Credit Corp at the address listed on the form. If you opt-out and later change your mind, please let us know and we will change your choice. Your opt-out does not prevent us from sending information about products or services offered by Credit Corp or our affiliates. Similarly, your opt-out does not prevent a Credit Corp affiliate from using certain Personal Information received from Credit Corp to market the affiliate’s products and services to you if (a) you have a pre-existing relationship with such affiliate, or (b) you contact such affiliate directly and request information regarding such affiliate’s products or services.
- Children
Our services and the Site are not intended for people under the age of eighteen (18). We do not knowingly collect information from people under eighteen (18) years of age.
- Right to Change Privacy Statement.
Credit Corp reserves the right at any time to modify, alter or update this Privacy Statement. Your use of the Site following any changes means that you agree to follow and be bound by the Privacy Statement as changed. Any change to this Privacy Statement shall be effective as to any visitor who has visited the Site before the change was made. It is the obligation of users visiting the Site before the change to learn of changes to the Privacy Statement since their last visit.
- Questions and Contacts.
If you have questions about this Privacy Statement, our practices concerning this Site, or your dealings with Credit Corp, you can contact us at customercare@creditcorponline.com or by U.S. mail at the address below:
121 W Election Suite 200, Draper UT 84020