Privacy Policy
General Information
Last Updated 4/15/2025
Effective Date 5/10/2010
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.
Residents of California, please see the specific privacy notice pursuant to the California Consumer Privacy Act of 2018
Phillips & Cohen Associates, Ltd. respects the privacy of visitors to our online sites and will follow all applicable privacy regulations. This privacy notice discloses the privacy practices for Phillips & Cohen Associates, Ltd. (collectively, “PCA”, “our”, “us”, or “we”). This privacy notice applies solely to information collected by this web site. “You” as referenced in this privacy policy refers to any user of the website. Any personal information gathered on this site will be kept strictly confidential and will only be used in ways for which you have specifically consented. We will take special care to protect the privacy and security of your information. Please carefully read this Privacy Notice. All personal information gathered on this website is in accordance with the Privacy Policy.
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 ANYOF THE WEBSITES 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 FREQUENTLY FOR UPDATES AS IT IS YOUR SOLE RESPONSIBILITY TO BEAWARE OF CHANGES. WE DO NOT PROVIDE NOTICES OF CHANGES IN ANY MANNER OTHER THAN BY POSTING THE CHANGES ON THIS PAGE.
Collection and Use of Personal Information
Phillips & Cohen Associates, Ltd. will only collect personal data, such as your name, address, telephone number, or e-mail address, when it is voluntarily submitted to us at this website. This information will be collected through an online form or when you contact Phillips & Cohen Associates, Ltd. regarding any other matter.
We may pass on to our client, who was your original credit lender, or a party who has succeeded in interest to your original credit grantor, personal information that you voluntarily gave to us. We may also pass information to our affiliates for regular business purposes. No other third parties, either on our behalf or for themselves, will collect any Personally Identified Information (PII) through this website.
Tracking Technologies
Non-Personal Information
This website also collects and uses information in aggregate form to track the total number of visitors to our site, the number of visitors to each page of our site, the domain names of our visitors’ Internet service providers, and other such technical information. This is technical information that does not by itself identify a specific individual. No personal information is available in this process. We use this data in our collection efforts.
Cookies
Our website uses a technology called “cookies”. A cookie is a token that a server gives to your browser when you access a website. Cookies are capable of storing many types of data. Cookies help provide additional functionality to the site or to help us analyze site usage more accurately. For instance, our server may set a cookie that keeps you from having to enter a password more than once during a visit to one of our sites. In all cases in which cookies are used, the cookie will not collect personally identifiable information except with your explicit permission. We do not, however, use cookies to track the navigational habits of identified visitors.
Complaint
If you have a complaint with our privacy policy or service, or if you are unhappy with how we deal with your complaint, or the outcome, you may invoke binding arbitration or refer your complaint to a data panel. Furthermore, if you do not receive timely acknowledgement of your complaint, or if your complaint is not satisfactorily addressed, you can also submit your complaint to Privacy Trust, an independent third party.
Visit https://www.privacytrust.com/drs/phillipscohen to file a complaint.
Access to Your Information
If you would like us to delete any information we have about you, we shall unless it is a requirement of our client who was your original credit grantor or a party who has succeeded in interest to your original credit grantor. We will respond to your request to access, update or delete your information within ten (10) business days. Before we are able to provide you with any information, correct any inaccuracies or delete any information, however, we may ask you to verify your identity.
Security
We take careful measures to prevent the loss, misuse, and alteration of your information. We use Secure Sockets Layer (SSL) technology supporting 128-bit encryption. The information collected is stored on a secure server network, protected by firewalls and other security measures. We only provide access to your personal information to PCA’s employees. Our current policy is to permanently maintain information. If you request that we delete your information, we may ask you to verify your identity and provide for the request in writing. We will respond to your written request within ten (10) business days. There may be business reasons why we would not agree to delete your information and we will communicate that to you if we are unable to comply with your written request.
Merger or Sale of Company
If we change ownership through an acquisition, merger, sale or other change of business status, we reserve the right to transfer or assign the right to use your Personal Information collected from our websites.
In the unlikely event of a bankruptcy proceeding, all information would be transferred in accordance with Court Order.
No Information Collected from Children
We will never knowingly collect any Personal Information about children under the age of 18. If we obtain actual knowledge that we have collected Personal Information about a child under the age of 18, that information will be immediately deleted from our database. Because we do not collect such information, we have no such information to use or to disclose to third parties.
Third Party Links and Advertisement
As a convenience to our visitors, Phillips & Cohen Associates, Ltd. websites may contain links to a number of sites that we believe may offer useful information. The privacy policies and procedures described here do not apply to those sites. We suggest contacting those sites directly for information on their data collection and distribution policies.
We do not use third party advertising companies to provide advertisements or allow third party advertisers to track your browsing.
Change of Privacy Policy
If we are going to use your personal information in a manner different from that stated at the time of collection through this website, we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already collected through our site, we will post a prominent notice on our website notifying users of the change.
Privacy Contact Information
You can contact Phillips & Cohen Associates, Ltd. regarding privacy matters via email to [email protected] or mail at
Phillips & Cohen Associates, Ltd. Privacy Officer
1002 Justison Street
Wilmington, DE 19801
Disputes
In the event of a dispute, we will agree to binding arbitration with the American Arbitration Association. To file a request for arbitration, contact the American Arbitration Association at http://www.adr.org.
This is an attempt to collect a debt and any information obtained will be used for that purpose.
