Privacy Policy
General Information
Phillips & Cohen Associates, Ltd. respects the privacy of visitors to our online sites. 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 never sell or rent any personal information collected from you to any third party. We will take special care to protect the privacy and security of your information.
Phillips & Cohen Associates, Ltd. does not take payments through this website. All personal information gathered on this website is in accordance with the Privacy Policy. This policy came into effect on May 1, 2010. It may be updated from time to time.
Residents of California, please see the specific privacy notice pursuant to the California Consumer Privacy Act of 2018
Phillips & Cohen Associates, Ltd. and its affiliated companies are committed to the principles of Privacy Shield.
EU-U.S. Privacy Shield
Phillips & Cohen Associates is a participant in the U.S. Department of Commerce’s EU-U.S. Privacy Shield and has certified that we adhere to the EU-U.S. Privacy Shield Principles. Phillips & Cohen Associates is subject to the investigatory and enforcement powers of the Federal Trade Commission.
For more information about the EU-U.S. Privacy Shield Framework, visit the U.S. Department of Commerce’s Privacy Shield website at www.privacyshield.gov
Privacy Contact Information
You can contact Phillips & Cohen Associates, Ltd. regarding privacy matters via email to privacy@phillips-cohen.com or mail at
Phillips & Cohen Associates, Ltd. Privacy Officer
1002 Justison Street
Wilmington, DE 19801
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 personal information that you voluntarily gave to us. No other third parties, either on our behalf or for themselves, will collect any Personally Identified Information through this website.
If you wish to opt out of using our service, you should email optout@phillips-cohen.com and we will remove you from any future marketing emails within 72 hours.
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 us
ed, 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.
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.
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.
Finally, as a last resort and in limited situations, EU individuals may seek redress from the Privacy Shield Panel, a binding arbitration mechanism.
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 Phillips & Cohen Associates’ 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.
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.
Disclosure of Information
All personal information gathered can be disclosed to judicial or other government agencies subject to warrants, subpoenas or other governmental orders.
In the event of a merger all data will be transferred to the new entity. In the unlikely event of a bankruptcy proceeding, all information would be transferred in accordance with Court Order.
Children
We do not intentionally collect information from persons under the age of 18.
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.
Contact Phillips & Cohen Associates, Ltd.
Phillips & Cohen Associates, Ltd.
1002 Justison Street
Wilmington, DE 19801
This is an attempt to collect a debt and any information obtained will be used for that purpose.
Terms and Conditions
The following terms and conditions (“Terms and Conditions”) govern your use of the World Wide Web Site located at www.phillips-cohen.com (this “website”). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.
These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.
This website has been prepared solely for the purpose of providing information about Phillips & Cohen Associates, Ltd., hereinafter referred to as “PCA” and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, PCA makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website. PCA reserves the right to add, modify or delete any information on this website at any time, with or without notice.
Copyright and Other Proprietary Information:
Website text, graphics, design, selection and arrangement copyright ©2017 Phillips & Cohen Associates, Ltd., (PCA) All rights reserved. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission PCA is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.
All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to PCA or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.
PCA welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, “Submissions”) to PCA, you automatically grant PCA the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, PCA is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.
Disclaimers; Disclaimers Regarding Other Servers and Web Sites:
This website, the website materials on and in and made available through this website, and the services, information, and products offered by PCA and its operating subsidiaries and affiliates in connection therewith are made available “as is” and “with all faults.” Use of this website is entirely at your own risk.
PCA makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.
PCA shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will PCA extend liability to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website. Use this website at your own risk.
Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of PCA. Accordingly, PCA can make no representation concerning the content of these sites to you, nor can the fact that PCA has given you this listing serve as an endorsement by PCA of any of these sites. PCA is providing links to these sites as a convenience to you. PCA has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and PCA cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. PCA is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.
In cases of onward transfer to third parties of data of EU individuals received pursuant to the EU-US Privacy Shield, Phillips & Cohen Associates remains liable.
Privacy Statement:
PCA has a Privacy Notice setting out PCA’s online information gathering and dissemination practices with respect to the website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.
Governing Law and Jurisdiction:
These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and PCA with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the State of New Jersey, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.
Miscellany:
By accessing, viewing, or using the works, content, or materials on this website, you consent to the exclusive jurisdiction of the federal and state courts presiding in Wilmington, Delaware, and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by PCA from its offices within the United States. Without limiting anything else, PCA makes no representation that the works, content, materials, services, information, or products available on, in, or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable laws. The waiver or failure of PCA to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver or failure of PCA to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. PCA reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.
FDCPA:
This website and any communication related thereto is an attempt to collect a debt. PCA is a debt collector. Any information obtained, including links, mega data, electronic information, web sites or location information of any kind may be used for that purpose.
PAGINA DE PRIVACIDAD
Phillips & Cohen Associates, Ltd. respeta la privacidad de los visitantes de nuestros sitios en línea. Cualquier información personal recopilada en este sitio se mantendrá estrictamente confidencial y solo se utilizará de maneras para las que haya dado su consentimiento específico. Nunca venderemos ni alquilaremos ninguna información personal recopilada de usted a terceros. Nos encargaremos especialmente de proteger la privacidad y seguridad de su información.
Phillips & Cohen Associates, Ltd. no toma pagos a través de este sitio web. Toda la información personal recopilada en este sitio web está de acuerdo con la Política de Privacidad. Esta política entró en vigor el 1 de mayo de 2010. Puede actualizarse de vez en cuando.
Residentes de California, por favor vea el aviso de privacidad específico de conformidad con la Ley de Privacidad del Consumidor de California de 2018
Phillips & Cohen Associates, Ltd. y sus empresas afiliadas están comprometidas con los principios de Privacy Shield.
Phillips & Cohen Associates es un participante en el Escudo de privacidad UE-EE. UU. del Departamento de Comercio de ee. UU. y ha certificado que nos adherimos a los Principios del Escudo de privacidad UE-EE. UU. Phillips &Cohen Associates está sujeto a los poderes de investigación y cumplimiento de la Comisión Federal de Comercio.
Para obtener más información sobre el Marco del Escudo de privacidad UE-EE. UU., visite el sitio web del Escudo de privacidad del Departamento de Comercio de ee. UU. en www.privacyshield.gov
Información de contacto de privacidad
Puede ponerse en contacto con Phillips & Cohen Associates, Ltd. con respecto a asuntos de privacidad por correo electrónico a privacy@phillips-cohen.com o correo
Phillips & Cohen Associates, Oficial de Privacidad de Ltd.
Calle Justison 1002
Wilmington, DE 19801
Recopilación y uso de información personal
Phillips & Cohen Associates, Ltd. solo recopilará datos personales, como su nombre, dirección, número de teléfono o dirección de correo electrónico, cuando se nos envíe voluntariamente en este sitio web. Esta información se recopilará a través de un formulario en línea o cuando se ponga en contacto con Phillips & Cohen Associates, Ltd. con respecto a cualquier otro asunto.
Podemos transmitir a nuestro cliente que era su prestamista de crédito original información personal que nos dio voluntariamente. Ningún otro tercero, ni en nuestro nombre ni por sí mismo, recopilará ninguna Información Identificada Personalmente a través de este sitio web.
Si desea optar por no utilizar nuestro servicio, debe enviar un correo electrónico optout@phillips-cohen.com y lo eliminaremos de cualquier correo electrónico de marketing futuro en un plazo de 72 horas.
Información no personal
Este sitio web también recopila y utiliza información en forma agregada para rastrear el número total de visitantes a nuestro sitio, el número de visitantes a cada página de nuestro sitio, los nombres de dominio de los proveedores de servicios de Internet de nuestros visitantes y otra información técnica de este tipo. Se trata de información técnica que no identifica por sí sola a un individuo específico. No hay información personal disponible en este proceso. Utilizamos estos datos en nuestros esfuerzos de recopilación.
Cookies
Nuestro sitio web utiliza una tecnología llamada “cookies”. Una cookie es un token que un servidor le da a su navegador cuando accede a un sitio web. Las cookies son capaces de almacenar muchos tipos de datos. Las cookies ayudan a proporcionar funcionalidad adicional al sitio o a ayudarnos a analizar el uso del sitio con mayor precisión. Por ejemplo, nuestro servidor puede establecer una cookie que le implega tener que introducir una contraseña más de una vez durante una visita a uno de nuestros sitios. En todos los casos en los que las cookies somos nosotros
ed, la cookie no recopilará información de identificación personal excepto con su permiso explícito. Sin embargo, no utilizamos cookies para rastrear los hábitos de navegación de los visitantes identificados.
Cambio de política de privacidad
Si vamos a utilizar su información personal de una manera diferente a la indicada en el momento de la recopilación a través de este sitio web, le notificaremos por correo electrónico. Usted tendrá la opción de saber si usamos o no su información de esta manera diferente. Además, si realizamos cambios importantes en nuestras prácticas de privacidad que no afecten a la información del usuario ya recopilada a través de nuestro sitio, publicaremos un aviso destacado en nuestro sitio web notificando a los usuarios del cambio.
Queja(s)
Si tiene una queja con nuestra política o servicio de privacidad, o si no está satisfecho con cómo tratamos su queja, o el resultado, puede invocar un arbitraje vinculante o remitir su queja a un panel de datos. Además, si no recibe el reconocimiento oportuno de su queja, o si su queja no se aborda
satisfactoriamente, también puede presentar su queja a Privacy Trust, un tercero independiente. Visite https://www.privacytrust.com/drs/phillipscohen para presentar una queja.
Por último, como último recurso y en situaciones limitadas, los individuos de la UE pueden solicitar una reparación al Panel del Escudo de privacidad, un mecanismo de arbitraje vinculante.
Acceso a su información
Si desea que eliminemos cualquier información que tengamos sobre usted, lo haremos a menos que sea un requisito de nuestro cliente que fue su otorgante de crédito original o una parte que ha tenido éxito en interés de su otorgante de crédito original. Responderemos a su solicitud de acceder, actualizar o eliminar su información en un plazo de diez (10) dias habiles. Antes de que podamos proporcionarle cualquier información, corrija cualquier inexactitud o elimine cualquier información, sin embargo, podemos pedirle que verifique su identidad.
seguridad
Tomamos medidas cuidadosas para prevenir la pérdida, mal uso y alteración de su información. Utilizamos la tecnología Secure Sockets Layer (SSL) compatible con el cifrado de 128 bits. La información recopilada se almacena en una red de servidores segura, protegida por firewalls y otras medidas de seguridadSolo proporcionamos acceso a su información personal a los empleados de Phillips &Cohen Associates. Nuestra política actual es mantener permanentemente la información. Si solicita que eliminemos su información, podemos pedirle que verifique su identidad y proporcione la solicitud por escrito. Responderemos a su solicitud por escrito dentro de diez (10) dias habiles. Puede haber razones comerciales por las que no aceptaríamos eliminar su información y se lo comunicaremos si no podemos cumplir con su solicitud por escrito.
En caso de disputa, aceptaremos un arbitraje vinculante con la Asociación Americana de Arbitraje. Para presentar una solicitud de arbitraje, comuníquese con la Asociación Americana de Arbitraje en http://www.adr.org.
Divulgación de información
Toda la información personal recopilada puede ser revelada a organismos judiciales u otras agencias gubernamentales sujetas a órdenes, citaciones u otras órdenes gubernamentales.
En caso de fusión todos los datos serán cedidos a la nueva entidad. En el improbable caso de un procedimiento de quiebra, toda la información se transferiría de conformidad con la Orden judicial.
Niños
No recopilamos intencionalmente información de personas menores de 18 años.
Enlaces y publicidad de terceros
Como una comodidad para nuestros visitantes, Phillips &Cohen Associates, Ltd. sitios web pueden contener enlaces a una serie de sitios que creemos que pueden ofrecer información útil. Las políticas y procedimientos de privacidad descritos aquí no se aplican a esos sitios. Sugerimos ponerse en contacto directamente con esos sitios para obtener información sobre sus políticas de recopilación y distribución de datos.
No utilizamos empresas de publicidad de terceros para proporcionar anuncios ni permitir que terceros anunciantes rastreen su navegación.
Póngase en contacto con Phillips & Cohen Associates, Ltd.
Phillips & Cohen Associates, Ltd.
Calle Justison 1002
Wilmington, DE 19801
Este es un intento de cobrar una deuda y cualquier información obtenida será utilizada para ese propósito.
