Privacy Notice
This Privacy Notice describes the privacy practices of Valor Intelligent Processing, LLC and our affiliates and related entities (collectively, “Valor”, “we”, “us”, or “our”). Valor is giving you this notice to tell you how we may use non-public Personal Information about you and your account (“Personal Information”) and the rights available to individuals with respect to their information. This notice applies whether you are a current or a former customer of Valor.
Collection and Use of Private Information
We collect Private Information about you from the following sources:
Information we receive from you either directly or indirectly, such as information on applications or other forms, which may include your name, address, social security number and income.
Information about your transactions with us or our clients, such as your account balance and payment history.
Information we receive from consumer reporting agencies, such as your contact info and information about your credit worthiness.
Disclosure of Private Information
We only disclose information we collect to affiliated and non-affiliated third parties as permitted by the federal Fair Debt Collection Practices Act. We may, but do not always, disclose information we collect to:
Credit bureaus
The original creditor and entities that have had an ownership interest in your account
Entities that provide mailing services on our behalf
Entities that provide collection-related services on our behalf
Others, such as third parties, when you direct us to share information about you
Affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws
Maintenance of Accurate Information
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of your Private Information is incorrect, contact us in writing at [address]. We will investigate the situation and, when appropriate, update our records accordingly.
Protection of Information
We restrict access to Private Information about you to our employees who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that are consistent with federal standards to guard your Private Information.
Important Information for California Customers
This information is in addition to the Privacy Notice provided above. This section applies only to California residents and is effective as of January 1, 2020. For purposes of this section, “Personal Information” has the meaning given in the California Consumer Privacy Act of 2018 (“CCPA”).
Personal Information that We Collect, Use and Disclose
We have created a table below which summarizes how we collect and disclose Personal Information by reference to the categories specified in the CCPA, and describes how we have collected and disclosed Personal Information during the preceding 12 months. This Personal Information was collected for the business purpose of servicing accounts and collecting debts:
| Categories of Personal Information We Collected | Categories of Sources from Which Personal Information Was Collected | The Categories of Third Parties to Whom We Disclosed Personal Information for a Business Purpose |
|---|---|---|
| Identifiers (such as name; Address; Social Security number; online identifiers; email address; and other similar identifiers and sensitive personal information such as Social Security numbers) | Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection services on our behalf; and the original creditor and entities that have an ownership interest in the account | Credit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide mailing services to us; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Audio (such as call recordings and other similar information) | Consumers; attorneys; authorized agents; entities that provide collection-related services on our behalf; and the original creditor and entities that have had an ownership interest in the account | Original creditor and entities that have had an ownership interest in the account; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Financial Information (such as bank account information; debit card information; credit card information; and other similar financial information) | Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection-related services on our behalf; and the original creditor and entities that have had an ownership interest in the account | Credit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to disclose information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Commercial Information (such as records of property, products or services purchased or other similar information) | Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection-related services on our behalf; and the original creditor and entities that have had an ownership interest in the account | The original creditor and entities that have had an ownership interest in the account; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to disclose information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Internet or other Electronic Network Activity Information (such as information regarding your interaction with our websites and other similar information) | Consumers; consumer transactions; attorneys; authorized agents; and the original creditor and entities that have had an ownership interest in the account | The original creditor and entities that have had an ownership interest in the account; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Professional or Employment Information (such as employment information or other similar information) | Consumers; consumer reporting agencies; attorneys; authorized agents; entities that provide collection-related services on our behalf; and the original creditor and entities that have had an ownership interest in the account | The original creditor and entities that have had an ownership interest in the account; entities that provide collection-related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.
We have not sold or shared any Personal Information to third parties for the preceding 12 months.
In the preceding 12 months, we have disclosed the following categories of Personal Information to third parties for a business purpose:
Identifiers
Audio
Financial Information
Commercial Information
Internet or Other Electronic Network Activity Information
Professional or Employment Information
We have actual knowledge that we do not sell or share the personal information of consumers under the age of 16.
We only collect or process sensitive personal information without the purpose of inferring characteristics about a consumer.
California Consumer Rights
Right to Know About Personal Information Collected, Disclosed, or Sold
You may request that we disclose what Personal Information we have collected about you.
To submit a request:
Call us at 1-877-472-4439
Write to us at 12005 Ford Road, Suite 700, Dallas, TX 75234
Email us at privacy@valorvip.com
We will confirm receipt within 10 days unless we respond in that time. We will verify your identity and respond within 45 days, unless more time is needed.
Right to Request Deletion of Personal Information
To request deletion of Personal Information:
Call: 1-877-472-4439
Mail: 12005 Ford Road, Suite 700, Dallas, TX 75234
Email: privacy@valorvip.com
We will confirm receipt within 10 days and respond within 45 days.
Right to Correct Inaccurate Personal Information
To request correction of inaccurate information:
Call: 1-877-472-4439
Mail: 12005 Ford Road, Suite 700, Dallas, TX 75234
Email: privacy@valorvip.com
We will confirm receipt within 10 days and respond within 45 days.
Right to Opt-Out of the Sale or Sharing of Personal Information
The CCPA provides that California Consumers have the right to opt-out of the sale or sharing of their Personal Information.
However, we do not and will not sell your Personal Information.
Right to Non-Discrimination for Exercising Consumer Privacy Rights
California Consumers have a right not to receive discriminatory treatment for exercising their privacy rights under the CCPA.
Authorized Agent
You may designate an authorized agent to submit CCPA requests on your behalf. Written authorization is required, and Valor will verify your identity and confirm permission before proceeding.
Contact Us for More Information
If you have questions or would like this notice in a different format, please contact:
Valor Intelligent Processing, LLC
12005 Ford Road, Suite 700
Dallas, TX 75234
Email: privacy@valorvip.com
