Privacy Policy

1. Information we collect

• Account information provided by our clients (creditors), such as name, address, phone number, email, balance, and account history.
• Information you give us through forms, calls, emails, or the payment portal, including dispute documentation and payment details.
• Technical information such as IP address, browser type, pages viewed, and timestamps collected automatically when you visit the site.

2. How we use information

• To service, verify, and collect accounts placed with us;
• To communicate with consumers by mail, phone, email, and opted-in text message;
• To process payments and maintain records of arrangements;
• To investigate and respond to disputes and validation requests;
• To comply with legal, regulatory, licensing, and audit obligations;
• To secure our systems and prevent fraud.

3. How we share information

We share information with the creditor or client that placed the account, with service providers acting on our behalf (payment processors, mail vendors, telephony and messaging providers, data and skip-trace vendors), with credit reporting agencies where permitted and instructed, and with courts, regulators, or law enforcement when required by law.

We do not sell personal information. Mobile phone numbers and text messaging consent are never sold, rented, or shared with third parties for marketing purposes.

4. Cookies and analytics

Our website uses essential cookies for functionality and may use analytics cookies to understand site usage. You can control cookies through your browser settings; disabling them may limit certain features.

5. Data security

We maintain administrative, technical, and physical safeguards including encryption in transit, access controls, recorded and monitored call systems, employee background screening, and annual security review. No method of transmission or storage is completely secure.

6. Data retention

We retain account records for the period required by applicable federal and state law, client contract, and licensing requirements — generally not less than seven years after account closure — and then dispose of them securely.

7. Your privacy rights

Depending on your state of residence, you may have the right to request access to, correction of, or deletion of your personal information, and to opt out of certain processing. Some rights are limited where information must be retained to service a debt or comply with law. To make a request, contact us using the details below. We will verify your identity before responding.

8. Communication preferences

You may ask us to stop contacting you at a specific number, email, or address, or to cease communication entirely, by writing to us. Text message consent may be revoked at any time by replying STOP. See our SMS Compliance & Opt-In page for details.

9. Children's privacy

Our services are not directed to children under 13, and we do not knowingly collect their personal information.

10. Changes to this policy

We may update this policy periodically. The "last updated" date above reflects the most recent revision.

11. Contact us

Privacy Officer, Bruno & Cole Inquisitions & Associates, 120 Broadway, Suite 1400, New York, NY 10271 · (212) 555-0147 · privacy@brunoandcole.com