Privacy Policy

Last Updated: December 13, 2023

Optio Solutions, LLC (“Optio”, “we,” “our” or “us”) is committed to protecting its users’ privacy. This Privacy Policy is designed to inform users about how we gather and use information collected through the Website (regardless of how users access or use the Website) and through other sources, and under what circumstances we disclose such information. We 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 this 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, this Privacy Policy applies to how we gather and use information through the Website and other sources. 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. We are not responsible for the privacy practices of other websites.

Collection of Non-Public Personal Information

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

Personal identifiers such as name, address, email address, SSN, driver’s license or state identification card, passport number, bank account, financial or personal history information, or other similar identifiers, which we obtain from the consumer’s creditor, credit reporting agencies, skip trace sources, and from consumers.
Information described in California Customer Records Act, such as name, signature, address, telephone number, education, employment, employment history, and payment information.
Characteristics of protected classifications under California or federal law.
Commercial information.
Internet or other network activity, such as IP (Internet Protocol) addresses of computers used to visit this site preserved in the system, and other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site, or if a consumer visits a payment portal.
Geolocation data.
Audio, electronic, and video recordings.
Professional or employment-related information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources.
Educational information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources.
Inferences drawn from other personal information.

Non-Public Personal Information We Collect is Obtained:

Directly and indirectly from business clients and consumer creditors, and their agents, such as from information they provide to us in order for us to provide services.
From consumers with whom we communicate.
From service providers and vendors, who provide goods or services.
Directly or indirectly through the Internet, websites and payment portals, through consumer visits to such sites or submissions.
Advertising networks such as job search websites and social media websites;
From job applicants and employees.

Sharing and Use of Non-Public Personal Information

We do not disclose non-public personal information about consumers except as stated in this Privacy Policy, the Privacy Notice for California Residents, as authorized or required by law, or in the following instances:

As a service provider providing debt collection services.
For regulatory compliance.
For contractual or legal compliance under state and federal laws.
To businesses and clients, consumer creditors, service providers, vendors and third parties, in connection with the foregoing.
To federal, state and local regulators and other governmental agencies, as may be required.
To professional and legal advisors.
To law enforcement and other governmental authorities as may be required.

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 us or our servicers, agents and representatives, assignors and assignees, or third parties contacting you by any such contact method provided, including by an automated dialing device and pre-recorded message call devices, text-messaging, and email.

Confidentiality and Security

We limit 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 Privacy Policy, as well as being obligated to adhere to our confidentiality policy. We maintain physical, electronic, and procedural security measures to protect your information. You may have other privacy protections under state laws. We shall be responsible for the security of cardholder data we possess or otherwise store, process, or transmit on behalf of customers, or to the extent we could impact the security of customers’ cardholder data environment.

Cookies

Cookies are sent to your personal computer when you access the Website that specifically identifies the particular browser being utilized, which are used by us for a variety of reasons, including but not limited to information tracking on how to improve the services being provided by us 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 features and services may not function properly if your cookies are disabled.

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.

Complaints About Privacy

If you have any complaints about our privacy practices, please feel free to send the details of your complaint to privacy@optiosolutions.com. We take all complaints seriously and will respond shortly after receiving written notice of your complaint. We will let you know if we need any additional information from you.

Privacy Notice for California Residents

This Privacy Notice applies only to visitors, users, and others who reside in the State of California, and is provided pursuant to the California Consumer Privacy Act (CCPA). This Privacy Notice supplements our Privacy Policy.

Personal Information We Collect

We have collected the following categories of personal information including sensitive personal information as those terms are defined in the CCPA, in the preceding twelve (12) months from consumers:

Personal identifiers such as name, address, email address, SSN, driver’s license or state identification card, passport number, bank account, financial or personal history information, or other similar identifiers, which we obtain from the consumer’s creditor, credit reporting agencies, skip trace sources, and from consumers.
Information described in California Customer Records Act, such as name, signature, address, telephone number, education, employment, employment history, and payment information.
Characteristics of protected classifications under California or federal law.
Commercial information.
Internet or other network activity, such as IP (Internet Protocol) addresses of computers used to visit this site preserved in the system, and other information such as email addresses, browser types, operating systems, and the URL addresses of sites clicked to and from this site, or if a consumer visits a payment portal.
Geolocation data.
Audio, electronic, and video recordings.
Professional or employment-related information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources.
Educational information, which we obtain from the consumer’s creditor.
Inferences drawn from other personal information.

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

The categories of sources from which personal information is collected are:

Directly and indirectly from business clients and consumer creditors, and their agents, such as from information they provide to us in order for us to provide services.
From consumers with whom we communicate.
From service providers and vendors, who provide goods or services
Directly or indirectly through the Internet, websites and payment portals, through consumer visits to such sites or submissions.
From job applicants and employees.

The business or commercial purposes for collecting personal information including sensitive personal information as those terms are defined in the CCPA, are:

For debt collection.
For regulatory compliance.
To comply with contractual or legal requirements under state and federal laws.
To ensure data integrity.
For employment purposes, such as in connection with job applicants and employees.

The categories of third parties to whom personal information may be disclosed are:

Businesses and creditors, and their agents.
Service Providers, Contractors and vendors.
Federal, state and local regulators, courts, and other governmental agencies, as necessary.
Professional and legal advisors.

You have the right to request the specific pieces of personal information collected about you.

The categories of personal information including sensitive personal information as those terms are defined in the CCPA, are retained until the business purpose for which they have been collected is completed, or pursuant to contractual or business requirements, or as required pursuant to applicable laws.

Disclosure of Personal Information for a Business Purpose

We do not sell or share your personal information as those terms are defined under the CCPA. We do not knowingly sell or share any personal information of anyone under age 18.

We engage certain parties to perform functions and provide services to us for a business purpose. We may share your personal information with these parties, but only to the extent necessary to perform these functions or provide such services. We require that all personal information we disclose to a recipient be maintained in a secure and confidential manner.

In the preceding twelve (12) months, the categories of personal information that we disclosed for a business purpose are:

Personal identifiers such as name, address, email address, SSN, driver’s license or state identification card, passport number, bank account, financial or personal history information, or other similar identifiers, which we obtain from the consumer’s creditor, credit reporting agencies, skip trace sources, and from consumers.
Information described in California Customer Records Act, such as name, signature, address, telephone number, education, employment, employment history, and payment information.
Characteristics of protected classifications under California or federal law.
Commercial information.
Geolocation data.
Audio, electronic, and video recordings.

We do not disclose sensitive personal information for purposes other than as provided in this notice and as authorized pursuant to the CCPA.

Your Deletion Rights

You have the right to request that we 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 or Contractors to delete) your personal information from our records, unless an exception applies. We may deny your deletion request if retaining the information is necessary for us or a Service Provider or Contractor 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.
Help ensure security and integrity to the extent the use of personal information is reasonably necessary and proportionate for those purposes.
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 and compatible with the context in which the information was provided.
Comply with a legal obligation.
An exemption or exception to the requirement to delete personal information applies.

If we deny your request because all of the information collected or maintained about you has been pursuant to our role as a Service Provider or Contractor, we will provide you with the contact information of the Business on whose behalf we collect or maintain the information.

Your Right to Correct

You have the right to request that we correct inaccurate personal information it maintains about you. Once we receive and confirm your verifiable consumer request, we will use commercially reasonable efforts to correct (and direct our Service Providers or Contractors to correct), your personal information unless an exception applies.

Your Access Rights

You have the right to request that we disclose the following information to you about our collection of personal information in the preceding twelve (12) months:

The categories of personal information we collected.
The categories of sources from which personal information was collected.
Our business or commercial purpose for collecting personal information.
The categories of personal information that we disclosed for a business purpose.
The categories of third parties to whom personal information was disclosed for a business purpose.
The specific pieces of personal information we collected or disclosed.

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 your 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.
Retaliate against you if you are an employee, applicant for employment, or independent contractor.

Exercising Correction, Access and Deletion Rights; Data Portability; Authorized Agents

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

Clicking this link: www.optiosolutions.com/california-consumer-request-form
Calling us at 866-401-0788
Emailing us at privacy@optiosolutions.com

Only you, or an authorized agent 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 requests or provide personal information if we cannot verify your identity or an authorized agent’s authority to make the request, and confirm the personal information relates to you.

We will only use personal information in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

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.

Response Timing and Format

We 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. 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. 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.

Contact Information

If you have any questions about this Privacy Policy, the Privacy Notice for California Residents, the ways we collect and use your information as explained here, your choices and rights regarding such use, exercising your rights, or for consumers with a disability who would like to access this information in an alternate format, you may contact us by:

Emailing us at privacy@optiosolutions.com
Calling us at 866-401-0788
Visiting www.optiosolutions.com/privacy-policy
Mailing address: Optio Solutions, Attn: Privacy Inquiry Department, PO Box 4699, Petaluma, CA 94955