Last updated 12/31/19

Introduction

Optio Solutions (“Optio ” or “we,” “our” or “us”) is committed to protecting its users’ privacy. This Privacy Policy is designed to inform users of www.optiosolutions.com about how Optio gathers and uses information provided to or collected by Optio through the Website regardless of how users access or use the Website (whether via personal computers, mobile devices, or otherwise) and under what circumstances Optio will disclose such information. Optio will take reasonable steps to protect user privacy consistent within this Privacy Policy and applicable laws. This Privacy Policy may be periodically updated from time to time and without notice. Changes are effective upon the posting of the revised Privacy Policy, and user consent to the revised Privacy Policy is given upon use of our Website after posting. Any previously collected personal information will not be used in a manner materially different than indicated at the time it was collected without first obtaining the user’s consent. Additional privacy policies or practices on our Website (e.g., at the point of payment) shall govern such data collection and use.  Please also review our Terms of Use which governs the use of our Website. ***By accessing the Website you agree to be bound by the Terms of Use and Privacy Policy.***

Scope

Except as set forth in the Privacy Notice for California Residents (below, and accessed here: www.optiosolutions.com/california-privacy-notice, this Privacy Policy applies to how Optio gathers and uses information provided to or collected by Optio through the Website. It does not apply to third-party websites which may be linked to our Website and collect personally identifiable information about a user’s online activities, or from collection activities offline. Third-party websites may have their own privacy policies. If you click on a link and visit another website, please be sure to review their privacy policy. Optio is not responsible for the privacy practices of other websites.

How Personal Information is Used and Collected

Optio may collect the following types of non-public personal information:

  • Identifying information such as name, address, telephone number, social security number, driver’s license number and/or other identification numbers.
  • Consumer report information, including payment history, collection and judgment history, property ownership and other account information.
  • Financial background information relating to the ownership and location of assets, employment history and status, as well as other information relating to financial status.
  • Certain information we receive and store, for example, when you access the Website, when you supply information such as your address, phone number, or when you submit information through the feedback portals. You can choose not to provide personal information, however Optio may not be able to provide certain services under those circumstances.
  • Cookies sent to your personal computer when you access the Website that specifically identifies the particular browser being utilized. Cookies are used by Optio for a variety of reasons, including but not limited to information tracking on how to improve the services being provided by Optio and tracking user tendencies. If you do not want these cookies to be used in connection with your system, you may set your browser so that cookies are not accepted and you may also set your browser to notify you when your system has received a cookie. However, some Optio features and services may not function properly if your cookies are disabled.
  • IP (Internet Protocol) addresses of computers used to visit this site preserved in the system. In addition, other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site are automatically collected as well.

The non-public personal information Optio collects is obtained from the following sources:

  • Information received on application and other forms;
  • Information submitted through the Website and feedback portals;
  • Information about transactions with Optio or third parties;
  • Information received from a consumer reporting agency; and
  • Information obtained from public records.

How Personal Information is Disclosed and Shared

Optio does not disclose any non-public personal information about consumers except as stated in this Privacy Policy or as authorized or required by law, or in the following instances:

  • Disclosure in response to the order of a court having jurisdiction to issue such an order or a subpoena;
  • Disclosure in accordance with the written instruction of the consumer;
  • Disclosure in connection with a transaction initiated by the consumer;
  • Disclosure to a business with whom Optio has a trusted relationship for the purpose of processing information on behalf of Optio or an affiliate of Optio, in furtherance of a transaction initiated by a consumer, or to third parties that provide mailing and/or other collection-related services;
  • Disclosure of information as permitted or required by law;
  • Disclosure of non-public personal information to its parent, agents, and affiliates.

Optio uses software programs to create summary statistics about marketing efforts, which are used for purposes such as assessing the number of visitors to the different pages of our Website. Your personal information is not revealed in such summaries. We urge you to take every precaution to protect your personal data when you are visiting our Website. We request that you never allow anyone else to have access to your personal account information or leave your computer unattended while visiting our Website.

Our Commitment to Protecting the Confidentiality of Personal Consumer Information

Optio limits access to non-public personal information to those individuals and third parties who have a need to fulfill their business responsibilities, and only for the purpose for which the information is disclosed. Those individuals are required to adhere to confidentiality requirements of a contract, the requirements imposed by law and to the Optio Privacy Policy, as well as being obligated to adhere to the provisions of the Optio Confidentiality Policy. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws.

Consent to Contact

By using this Website or providing us with your personal contact information such as address, telephone number, mobile telephone number or email address, you consent to Optio or its servicers, assignees, or third parties contacting you by any contact method provided, including by text messaging, email, an automated dialing device and pre-recorded message call devices.

Security

Security of this Website is provided through many components:

  1. Your web browser, which supports 128-bit version of encryption with the Secure Socket Layer (SSL) security protocol. (When you visit www.optiosolutions.com, your personal account information is encrypted when transmitted across the Internet).

While Optio incorporates the above safeguards to help protect and secure personal information, we cannot guarantee that data transmitted online, wirelessly or by other electronic means is 100% secure.  Any use of our Website and the information provided to us is at the user’s own risk.

Do Not Track Disclosures

Web browsers allow consumers the choice on how personally identifiable information about an individual consumer’s online activities over time and across third-party websites or online services are collected. This Website may not respond to Do Not Track (DNT) privacy preferences set in user web browsers.

Contact Information

If you have questions or comments about our privacy and terms of use policies, please visit the Contact Us page.

Privacy Notice for California Residents

This Privacy Notice applies only to consumers who reside in the State of California, and is provided pursuant to the California Consumer Privacy Act (CCPA).  This Privacy Notice supplements Optio Solution’s Privacy Policy, which may be accessed at www.optiosolutions.com/privacy-policy

Personal Information We Collect, Use and Disclose

Optio Solutions (“Optio ”, “we”, or “us”) collects personal information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household.    The following categories of personal information have been collected in the past twelve (12) months from consumers:

Category of Personal InformationCategories of Sources of Personal InformationBusiness Purpose for Personal InformationCategories of Third Parties to Whom Personal Information is Disclosed
Identifiers such as name, address, email address, SSN, driver’s license number, or other similar identifiers.Business clients, service providers, third parties, parent company, and consumers; job applicants and employees. As a service provider for businesses for collections; for employment purposes; for regulatory compliance or legal requirements under state and federal laws.Business clients, service providers, third parties, parent company, federal and state regulators and other governmental authorities as required; professional and legal advisors.
Categories of Personal Information described in California Customer Records Act, such as name, signature, address, telephone number, education, employment, employment history, payment information.Business clients, service providers, third parties, parent company, and consumers; job applicants and employees. As a service provider for businesses for collections; for employment purposes; for regulatory compliance or legal requirements under state and federal laws.Business clients, service providers, third parties, parent company, federal and state regulators and other governmental authorities as required; professional and legal advisors.
Characteristics of protected classifications under California or federal law.Business clients, service providers, third parties, parent company, and consumers; job applicants and employees. As a service provider for businesses, some information may be collected incidentally in connection with other non-protected classification information for collections; for employment purposes; for regulatory compliance or legal requirements under state and federal laws. Business clients, service providers, third parties, parent company, federal and state regulators and other governmental authorities as required; professional and legal advisors.
Commercial information.Business clients, service providers, third parties, parent company, and consumers.As a service provider for businesses for collections; for regulatory compliance or legal requirements under state and federal laws.Business clients, service providers, third parties, parent company, federal and state regulators and other governmental authorities as required; professional and legal advisors.
Internet or other network activity information including but not limited to browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.Consumers, job applicants, through a computer, browser, and website.As a service provider for businesses for collections; for communications with consumers through a website; for job applicants; to provide and improve services being provided; to ensure data integrity; for marketing purposes to commercial customers.Business clients, service providers, third parties; professional and legal advisors.
Audio, electronic, visual, or similar sensory data.Business clients, service providers, third parties, consumers, job applicants, employees, through on site visits, messages or recordings.As a service provider for businesses for collections; for regulatory compliance or legal requirements under state and federal laws; in the limited context of security.Business clients, service providers, third parties, parent company, federal and state regulators and other governmental authorities as required; professional and legal advisors; law enforcement.
Professional or employment-related information.Advertising networks such as job search websites and social media websites; business clients, service providers, parent company, third parties, consumers, job applicants and employees. For employment purposes; as a service provider for businesses for collections.Business clients, service providers, third parties, parent company; professional and legal advisors.

Optio will not collect additional categories of or use the personal information collected for materially different, unrelated, or incompatible purposes without providing you notice.

Your Right to Request Access

You have the right to request that Optio disclose certain information to you about the collection and use of your personal information over the past twelve (12) months.  You have the right to request any or all of the following:

  • The categories of personal information collected about you.
  • The categories of sources from which the personal information is collected.
  • The business or commercial purpose for collecting or selling the personal information.
  • The categories of third parties with whom Optio shares personal information for a business purpose.
  • The specific pieces of personal information collected about you.

To exercise these rights under the CCPA and submit a verifiable request, please see the Section below titled Exercising Access, Data Portability, and Deletion Rights.

Disclosure or Sale of Personal Information for a Business Purpose

Optio does not and will not sell your personal information. Optio does not and will not sell any personal information of minors.  In the past twelve (12) months, Optio has disclosed the categories of personal information summarized in the chart above. Optio requires that all personal information it discloses to a recipient be maintained in a confidential manner and used only for the business purpose of performing the contract for which it was provided. 

Your Deletion Request Rights

You have the right to request that Optio delete any of your personal information that we collected from you and retained, subject to certain exceptions.  Once we receive and confirm your verifiable consumer request, we will delete (and direct our service providers to delete), your personal information from our records, unless an exception applies.  Optio may deny your deletion request if retaining the information is necessary for us or a service provider to:

  • Complete the transaction for which we collected the personal information, provide a good or service that you requested or authorized, take actions reasonably anticipated within the context of an ongoing business relationship with you, or otherwise perform a contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act.
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Otherwise use the personal information internally in a lawful manner compatible with the context in which you provided it.

To exercise these rights under the CCPA and submit a verifiable request, please see the Section below titled Exercising Access, Data Portability, and Deletion Rights.

Exercising Access, Data Portability, and Deletion Rights

To exercise your rights to access, data portability, and deletion described above, you may submit a verifiable consumer request to Optio in the following ways:

Only you, or a person authorized to act on your behalf, may make a verifiable consumer request related to your personal information.  You may also make a verifiable consumer request on behalf of your minor child.  You may only make a verifiable consumer request for access twice within a 12-month period.  The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with personal information if we cannot verify your identity or authority to make the request and confirm the personal information relates to you.  We will only use personal information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

Optio will respond to a verifiable consumer request within forty-five (45) days of receiving it.  If additional time is required, we will inform you of the reason and extension period (an additional  45 days), in writing.  If you have an account with us, we will deliver our written response to that account.  If you do not have an account with us, we will deliver our written response by mail or electronically, at your option.  Any disclosures we provide will cover just the twelve (12) month period preceding receipt of the verifiable request.  Our response will also explain the reasons we cannot comply with a request, if applicable.  For data portability requests, we will select a format to provide your personal information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance. We will not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded.  If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with the cost before completing your request.

Non-Discrimination

We will not discriminate against you for exercising any of your CCPA rights.  Unless permitted by the CCPA, we will not:

  • Deny you goods or services.
  • Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
  • Provide you a different level or quality of goods or services.
  • Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.

Contact Information

If you have any questions or comments about this notice, the ways Optio collects and uses your information described in this Privacy Notice for California Residents, your choices and rights regarding such use, exercising your rights, or would like to access this information in an alternate format, you may contact us at:

Phone: 866-401-0788

Website: www.optiosolutions.com

Email: privacy@optiosolutions.com

Mailing Address:

Optio Solutions

Attn: Privacy Inquiry Department

PO Box 4699 Petaluma, CA 94954