Privacy Policy

Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimer and limitations of liability governing use of our website at www.reliantcapitalsolutions.com/terms.

Fair Debt Collection Practices Act (FDCPA) Disclosure: Nothing in this privacy policy shall permit the disclosure of information to third parties in violation of the Fair Debt Collection Practices Act. We value your privacy at Reliant Capital Solutions, LLC (hereafter “Reliant”) and maintain standards to secure your private information. This privacy notice discloses the privacy practices for this website. This privacy notice applies solely to information collected by this website.

It will notify you of the following:

  • What personally identifiable information is collected from you through the website, how it is used and with whom it may be shared.
  • What choices are available to you regarding the use of your data.
  • The security procedures in place to protect the misuse of your information.
  • How you can correct any inaccuracies in the information.

Your use of this website and any Personal Information you provide via the website remains subject to this Privacy Policy. Reliant follows all applicable federal and state laws regarding information sharing and will not violate any consumer protection laws, including the FDCPA.

BY VISITING THIS WEBSITE YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS OF THIS PRIVACY POLICY. IF YOU DO NOT AGREE WITH THE TERMS OF THIS PRIVACY POLICY, PLEASE DO NOT PROVIDE ANY INFORMATION OR USE ANY OF THE SERVICES PROVIDED ON THE WEBSITE REFERRED TO IN THIS PRIVACY POLICY.

PLEASE NOTE: THIS PRIVACY POLICY CHANGES FROM TIME TO TIME AND CHANGES ARE EFFECTIVE UPON POSTING. PLEASE CHECK BACK REGULARLY FOR UPDATES. IT IS YOUR SOLE RESPONSIBILITY TO BE AWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES AT WWW.RELIANTCAPITALSOLUTIONS.COM/PRIVACY.

Reliant is the sole owner of the information collected on this site. We only have access to or collect information you voluntarily provide via direct contact from you. This information is obtained via email, telephone contact, and via writing. Reliant does not sell, rent or share this information to any third party outside of our organization. Reliant uses your information to respond to your inquiries.

Unless you ask us not to, we may contact you via email in the future to communicate regarding your account(s) with our office or with changes to this privacy policy. The following paragraphs in this section describe how Reliant currently uses Personal Information. This may change at any time. As noted in this policy, we may update the language from time to time.

Reliant regularly discloses and has disclosed in the last twelve (12) months the following types of Personal Information for one or more business purposes: Name, address, email address, Social Security number, date of birth, employment information, IP Address, or other similar identifier, contact information, payment and financial information, age, marital status, sex, and veteran or military status, audio information, and information collected or shared pursuant to HIPAA, GLBA, FCRA, DPPA, and/or other applicable privacy laws.

Reliant uses your Personal Information for the following purposes.

  • Provide Service: Reliant uses your Personal Information to improve our services provided.
  • Contacting You: By using our website, you consent to contact from Reliant by phone or email regarding your account status and changes to privacy policy or other relevant policies or agreements.
  • Legal Process: Reliant will use or disclose your Personal Information in response to subpoenas, court orders, legal process, warrants, or to exercise our legal rights to defend against claims or in the event you violate or breach an agreement with Reliant.

Reliant stores Personal Information in a database on computers or servers owned or accessed by Reliant. These computers and servers are protected with security measures, including firewalls, to protect against unauthorized access, loss, misuse or alteration of the information. Data, including Personal Information which is transmitted through our website is protected using 1024-bit encrypted Secure Socket Layer (SSL) technology to ensure data remains confidential. SSL technology ensures that you and Reliant can access the information you submit. The information provided is encoded and only Reliant is able to decode. SSL confirms the identity of the originating device and the recipient device, preventing unauthorized interception. Reliant may use other security measures in the future to protect information transmitted through our website.

Cookies

“Cookies”, when enabled, are a feature on your browser software which allows a small amount of data to be stored on your device about your visit to Reliant’s website. Cookies assist in tracking the content you may have viewed on past visits in order for your next visit to be customized based on your preferences. Reliant may use cookies to: track the number of visits to this site; accumulate and report aggregated statistical information regarding website usage; to customize content delivered to you; and to save your password for ease of access to our website. You can disable cookies via your browser software. Please note, Reliant’s website may not function properly with cookies disabled.

Third Party Links

Links to third party websites are provided for the convenience of the user. These other websites are not directly managed or operated by Reliant and are the responsibility of the company or organization providing the websites. Therefore, users of these other websites shall comply with the conditions posted on the respective websites.

IP Addresses

Reliant automatically tracks certain information based upon your activity on the site. Reliant may use this information for internal research on our user’s demographics to network, DSL, or cable modem users. An IP address may be permanently assigned to a particular device. IP addresses are automatically logged by web servers and collect information about a user’s traffic patterns. While the IP address does not identify an individual by name it may, with the cooperation of the Internet Service Provider (ISP), be used to locate and identify an individual using the internet. Your IP address can reveal what geographic area you are connecting from or which ISP you are using. Other websites you visit have IP addresses and Reliant may collect the IP addresses of those websites and their pages.

Do Not Track Requests

Reliant does not track visitors over time and across third party websites to provide targeted advertising and therefore does not respond to Do Not Track (DNT) signals. However, some third party sites do keep track of your browsing activities, which enables them to tailor what content they present to you. If you are visiting such a site, your browser allows you to set the DNT signal on your browser so that third parties know you do not want to be tracked. Third parties cannot collect any personally identifiable information from our website unless you provide it to them directly.

Children’s Online Privacy Protection Act (COPPA)

Reliant never knowingly collects Personal Information about children under the age of 13. If we receive actual knowledge we have collected such information, we will immediately delete that information from our records. Since Reliant does not collect information from children under the age of 13, we have no such information to use or disclose to third parties.

Corrections

We are committed to accurately maintaining your personally identifiable information. We will take reasonable steps to correct Personal Information that is properly identified as incorrect. If you need to update or correct your Personal Information, contact us via email at info@reliant-cap.com or toll-free via telephone at (866) 837-5096.

Please understand that, in some circumstances, only your service provider may have the authority to update or correct your Personal Information. If this information is the type that only your service provider can update or correct, we’ll forward your request to your service provider.

Change in Ownership

If Reliant changes ownership through a sale, merger, acquisition or other change of business, Reliant reserves the right to transfer or assign the right to use your Personal Information collected from the website.


California Residents – California Consumer Privacy Act

This section is intended for California residents pursuant to the California Consumer Privacy Act of 2018 (CCPA). This information is supplemental to the information in the Privacy Policy above. Terms defined in the CCPA and applicable California Office of the Attorney General regulations have the same meaning as used in this section.

What Categories Of Information Does Reliant Collect?

Reliant may collect and use Personal Information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be directly or indirectly linked, with a consumer, device, or household (“Personal Information”).

Reliant regularly collects and has collected in the last twelve (12) months the following types of Personal Information offline regarding accounts we service. Reliant regularly discloses and has disclosed in the last twelve (12) months the following types of Personal Information for one or more business purposes:

CCPA Categories Examples
Identifiers Name, address, email address, Social Security number, date of birth, IP Address, or other similar identifier
Personal Information Contact and financial information
Protected Classifications Under California or Federal Law Age, marital status, sex, and veteran or military
Commercial Information Information about past transactions
Internet or Similar Network Activity Information Browsing history, search history, information about a consumer’s interaction with our website
Geolocation Data Device location
Audio, Electronic, Visual, or Similar Information Call recordings
Inferences Drawn From Other Personal Information Certain inferences concerning an individual’s preferences and characteristics
Professional or employment-related information Information related to employment

 

Reliant will not collect additional categories of Personal Information or use the Personal Information collected for materially different purposes without providing you notice.

Personal Information does not include:

  • Publicly available information from government records.
  • De-identified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, such as (but not limited to) information governed by the Health Insurance Portability and Accountability Act of 1996 (“HIPAA”), the California Confidentiality of Medical Information Act (“CMIA”), the Fair Credit Reporting Act (“FCRA”), the Gramm-Leach-Bliley Act (“GLBA”), California Financial Information Privacy Act (“FIPA”), and the Driver’s Privacy Protection Act of 1994 (“DPPA”).

How Reliant Collects Your Personal Information

Reliant collects most of this Personal Information from our clients or directly from you or your authorized representative(s) via telephone or written communications. However, Reliant may also collect information from publicly accessible sources and from our service providers.

Why Does Reliant Collect This Personal Information?

Reliant uses the Personal Information above for the following purposes:

  • Providing you with information and services;
  • Verifying your identity;
  • Performing services on behalf of our clients related to your account(s);
  • Conducting data analysis;
  • Improving customer service;
  • Processing your payment(s);
  • Auditing related to consumer interactions;
  • Detecting security incidents and protecting against malicious, deceptive, fraudulent, or illegal activity and prosecuting those responsible for that activity;
  • Ensuring compliance with all other applicable laws and regulations;
  • Responding to civil, criminal, or regulatory requests;
  • Identifying and debugging errors that impair functionality;
  • Permissible short-term transient use;
  • As appropriate to protect the rights, property, or safety of us, our clients, or others; and/or
  • As described to you when collecting your Personal Information or as otherwise described in the CCPA.

Reliant regularly discloses and has disclosed in the last twelve (12) months the following types of Personal Information for one or more business purposes: Name, address, email address, Social Security number, date of birth, employment information, IP Address, or other similar identifier, contact information, payment and financial information, age, marital status, sex, and veteran or military status, audio information, and information collected or shared pursuant to HIPAA, GLBA, FCRA, DPPA, and/or other applicable privacy laws.

Does Reliant Sell Any Personal Information?

Reliant does not sell any consumer Personal Information and will not sell your Personal Information under the CCPA.

CCPA Consumer Rights

The CCPA provides California consumers with certain additional rights regarding their Personal Information.

Right to Access

You have the right to request that we disclose the categories of Personal Information Reliant has collected about you in the preceding 12-month period. We must also provide you with a summary of the purposes for which the categories of Personal Information were collected. We must also provide you the categories of sources from which the Personal Information was collected, the categories of third parties with whom we share Personal Information, if any, and the specific pieces of Personal Information we have collected about you.

Once you submit an access request, you may also separately request a portable copy of the specific pieces of Personal Information Reliant has collected about you. This request is subject to heightened verification.

Reliant will disclose the applicable information specified above to you upon receipt of your verifiable consumer request (see “Submitting a Verifiable Consumer Request” section below).

Right to Deletion

You have the right to request that we delete any of your Personal Information subject to the various exceptions provided in the CCPA (see “Submitting a Verifiable Consumer Request” section below).

Please note: Deletion requests are subject to certain exceptions.

Reliant may deny your deletion request if we are acting in the role of a service provider to another business regarding the applicable Personal Information. If we deny your request on that basis, we will generally refer you to the relevant business. In addition, we may deny your deletion request if retaining the information is necessary for Reliant or our service providers to:

  • Complete the transaction for which the Personal Information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between you and Reliant;
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that 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 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 our deletion of the information is likely to render impossible or seriously impair the achievement of such research, provided we have obtained your informed consent;
  • Enable solely internal uses that are reasonably aligned with your expectations based on your relationship with us;
  • Comply with a legal obligation;
  • Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information; or
  • If another CCPA or applicable exception applies.

Submitting a Verifiable Consumer Request

In order to protect your information, we can only honor access or deletion requests upon receipt of a verifiable consumer request. Your request must provide information that enables us to verify your identity in order for us to respond.

You agree to respond to any reasonable requests from us for additional information to enable us to verify your identity in connection with your access or deletion requests.

You may submit a verifiable consumer request after January 1, 2020 by either of the following methods:

  • Contacting us toll- free by telephone at (833) 755-0414 from Monday through Friday between 8am and 4:30PM ET; or
  • Completing the CCPA request form here.

Upon receiving a request, we will attempt to verify your identity and will respond within no more than forty-five (45) days as required by the CCPA. If Reliant reasonably needs additional time to comply, Reliant will notify you of such no more than forty-five (45) days after receipt of your verifiable consumer request

Once you have submitted a valid data access request, you will be issued a reference number which may be used to submit either a deletion or specific information request (subject to heightened verification). For either of these requests, simply email your data access reference number and the type of request to CCPA@reliant-cap.com.

Please note that we are not required to:

  • Provide the requested information disclosure if a CCPA or applicable exemption applies.
  • Provide the requested information disclosure if we are unable to verify the individual making the request is the individual about whom we collected information or is someone authorized to act on such individual’s behalf.
  • Retain Personal Information about you collected for a single, one-time transaction if in the ordinary course of business, that information about you is not sold or retained.
  • Provide the requested information disclosure more than twice in a 12-month period.
  • Re-identify or otherwise link information that is not maintained in a manner that would be considered personal information.

Right To Nondiscrimination

Reliant will not discriminate against you because you elect to exercise any of your rights under the CCPA including, but not limited to:

  • Denying a good or service to you;
  • Charging you different prices or rates for goods or services, including through the use of discounts or benefits or imposing penalties on you;
  • Providing a different level or quality of goods or services to you; or
  • Suggesting that you will receive a different price or rate for goods or services or a different level or quality of goods or services

Last Updated: 2/28/2020

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