When you visit our website(s), we may collect information from you. This information includes but is not limited to: IP Address, your Operating System, pages visited, average time spent on website or specific pages, links that are clicked, and your browser type and version.
In order for ERC to function, data must have been furnished to ERC that contains certain user data. ERC maintains data for banks, lenders, and creditors. Data may be furnished directly by your creditor or by a third-party collection company authorized by a creditor (Furnishers). ERC does not own the data furnished to it. ERC provides Furnishers the minimum data required for ERC to function. The minimum data required for ERC to function is: user’s name, social security number, address, phone number, original creditor name, current creditor name, account number, reference number, and balance. Furnisher may maintain additional user data. ERC has no control over what data Furnishers maintain within ERC framework and/or to what extent beyond the minimum data requirements Furnisher may maintain within ERC framework. ERC makes no warranty or guarantee to the accuracy of Furnisher’s data.
In order for a visitor to use ERC, they must first authenticate they are the correct person (the consumer) to access the data by providing the last four digits of their social security number along with either the phone number they were contacted at or by entering in the reference number and/or a full zip code. To utilize the online payment tools of ERC, no addition information is required by user.
When a user creates payment(s), the user must provide additional information at the payment portal, as is standard in all payment portals. The data you provide will be collected to process your payment only. This information may include, but is not limited to: your name, address, email address, phone number, form of payment and information required to process the payment such as: a bank account number and routing number or credit card number, expiration date and SEC code. In some cases, payment information is stored in ERC’s secured database in order to transmit the information to the creditor or collection company for processing. Such information will never be sold to a third party. It will never be shared except with your creditor or the collection company and others necessary to complete a transaction.
ERC treats personal data confidentially. Except as provided below, ERC does not share any personally identifiable information obtained on its website with, or sell information obtained on this website to, any company or marketing group external to ERC and its affiliates.
ERC may, however, share aggregate information with other persons or entities for purposes determined by ERC to be appropriate.
ERC may disclose information we collect to non-affiliated third parties that are acting on our behalf, or as permitted or required by law. The information that is collected, used and shared is to improve your experience with ERC.
ERC may use and share information as described below:
ERC’s site may contain links to independent third-party websites and/or offers for services from third parties. If you choose to use any such third-party products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and any terms and conditions applicable to such products or services. ERC is not responsible for the content or privacy policies of other such sites.
By providing ERC with your email, you agree that you have opted-in to receiving emails and may occasionally receive emails from ERC. Users have the option to opt-out of receiving emails from ERC at any time by emailing firstname.lastname@example.org. If user has subscribed to a service to receive notification should an additional reduced offer become available, opting out of emails will cancel the subscription and notification of offer will not be sent. If user chooses to opt out, it is the user’s decision alone; user cannot and will not hold ERC responsible for any consequences due to opting out of emails.
ERC may set and access cookies on your computer to track and store data you have entered while visiting www.payerc.com and https://pay.ercbpo.com At ERC, a cookie is used to identify one unique visitor from another visitor. Our cookies are encoded so that only we can understand the data stored in them. All cookies expire and are deleted as soon as the user closes their browser.
ERC takes reasonable measures to protect the information shared with us on the www.payerc.com, www.erccollections.com, https://pay.ercbpo.com or www.ercbpo.com websites and sub-domains from being accessible by unauthorized personnel. ERC has implemented certain safeguards, both technological and procedural, as it has determined to be appropriate, to protect against inadvertent loss or unauthorized access of personal information. There is no guaranty that any such safeguards will be effective. Personal information contained in e-mail sent by individuals may be used by ERC to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service provided by ERC.
ERC does not respond to Do Not Track (DNT) signals.
ERC may provide users access to submit, post, display, transmit and/or exchange information, ideas, opinions, photographs, images, video, creative works or other information submitted via email to email@example.com. You should be aware that any material you submit in the forums can be read, retrieved and used by other users and may be used to send you unwelcomed messages. ERC is not responsible for the personal information you select to submit to these forums. These forums may be hosted by ERC and related entities or by one of our third-party service providers on our behalf.
ERC may disclose personally identifiable information (i) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other governmental agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or (ii) to another entity with which ERC enters, or reasonably may enter, into a corporate transaction such as a merger, consolidation, acquisition, or asset purchase, or (iii) to a third party if determined by ERC in its sole judgment that such disclosure is appropriate to protect the life, health, or property of ERC or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to ERC and (iv) as determined by ERC to be necessary to ERC to fulfill the purpose for which the information was provided).
ERC may utilize website tuning or analytics tools or cookies which track pages viewed, IP Address, Date and Time, or other information necessary for ERC to maintain proper functionality of the aforementioned websites and to assist with website improvements. Use of analytics is at the sole discretion of ERC. You may choose to disable cookie usage via your browser; however, doing so may impact the usage of the website. ERC collects and stores the e-mail addresses of users that communicate with ERC via e-mail or websites and sub-domains as well as information knowingly provided by website or email users.
ERC provides an electronic method of communication for our customers; however, e-mail posted or sent through this website may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, ERC requests all correspondence regarding the account be sent by the U.S. Postal Service. Be sure to include your name, your mailing address, and the file number so that we may process your inquiry and respond promptly. Without complete information, we will be unable to respond to your request. The address for mailing inquiries is:
8014 Bayberry Road
Jacksonville, FL 32256
ERC respects the rights of data subjects to access and control their personal data. Below is a list of individual rights regarding the personal data that ERC collects as well as a description of how individual data subjects can exercise those rights. Please be aware in some cases, we may not be able to remove, delete, or forget your personal information, in which case we will let you know if we are unable to do so and why. The Services are not intended or designed to attract children under the age of 18. We do not collect information from any person that we have actual knowledge is under the age of 18.
Access rights (Right to access Personal Information Data collected in the last 12 months.)– Please note that ERC is a service provider to a business.
You have the right to submit a request to a business (subject to verification of your identity) for:
Deletion rights– You may submit a verifiable consumer request for deletion of any Personal Information that the business has collected from the consumer. As a service provider, ERC will ensure any verifiable requests are forwarded to the business as can be determined by the request made by you.
Please note that certain legal obligations prohibit ERC from deleting Personal Information.
Rights to opt out of selling Personal Data to a Third Party – You have the right to opt out of any selling of your information from ERC to a Third Party. Please note that ERC does not sell any Personal Information for monetary exchange, nor does it sell or share Personal Information for reasons not disclosed above or outside of business-related purposes or purposes which are not necessary to provide Services.
ERC does not discriminate or otherwise treat any consumer differently for exercising any of his or her rights under any consumer laws or regulations.
Or write to:
8014 Bayberry Road
Jacksonville, FL 32256