Effective Date: 6/22/2021
FCC’s Business and the Collection of Personal Information
FCC’s business involves the acquiring of installment contracts from other businesses (our “Clients”) related to purchases made from such Client. As a result, payments made with respect to such purchases are made to us instead of the Client. Such practice requires the collection of personally identifiable information from our Clients when we purchase the respective contracts and from you when you provide information directly to us through our Site when making payments. Additionally, our Site has the ability for you to contact us, in which case, you may voluntarily provide personal information. The information below sets forth what information we receive directly from users of our Site:
Information You Voluntarily Provide To Us
Information you may voluntarily provide to us when you use the site include:
• Name, including first and last name
• Contact Information, including your phone number and email address
• Business Contact Information, including the name, title, business name, and business contact information of individuals working for our Clients
• Account Information related to your purchase
Information Collected Automatically
In addition, information about your computer hardware and software is automatically collected by FCC when you use our Site. This information may include: your IP address, browser type, domain name(s), access times, geographic location, referring website addresses and other technical information such as protocol status and substatus, bytes sent and received, and server information. We may also collect information about how you interact with the Site. This information is used by us for our business purposes, which includes the operation and improvement of the Site, technical troubleshooting, maintenance of the Site and the analysis of general statistics and analytics regarding the use of the Site.
Cookies and Other Information Collection Tools
What are cookies? A cookie is a small file containing a string of characters that is sent to your computer when you visit a website or use an online service. When you visit the website or use the service again, the cookie allows that website or online service to recognize your browser or device. Cookies may store unique identifiers, user preferences and other information.
How do I control cookies? Web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to manage and delete cookies, visit www.allaboutcookies.org. Some web browsers provide settings that allow a user to reject cookies or to alert a user when a cookie is placed on the user’s computer, tablet or mobile device. Most mobile devices also offer settings to reject mobile device identifiers. Although users are not required to accept cookies or mobile device identifiers, blocking or rejecting them may prevent access to some features available through the Site.
How Information is Used
We may use the information we collect for any of the following purposes:
- to provide the Site to you and to improve the Site;
- to operate, improve and personalize the products and services we offer, and to give each user a more consistent and personalized experience when interacting with us;
- for customer service, security, the detection of fraud or illegal activities, and for archival and backup purposes in connection with the provision of the Site;
- for research and analysis purposes;
- to fulfill your requests, such as those related to payment; and
- to communicate with you.
Sharing of Information
• With Third Party Service Providers Performing Services on Our Behalf. We share your personal information with our service providers to perform the functions for which we engage them. For example, we may use third parties to assist us in providing functionality on the Site, provide data analysis and research on the Site and to process payments.
• For Legal Purposes. We also may share information that we collect from users as needed to enforce our rights, protect our property or protect the rights, property or safety of others, or as needed to support external auditing, compliance and corporate governance functions. We will disclose personal information as we deem necessary to respond to a subpoena, regulation, binding order of a data protection agency, legal process, governmental request or other legal or regulatory process. We may also share personal information as required to pursue available remedies or limit damages we may sustain.
• Changes of Control. We may transfer information, including your personal information, in connection with a change of ownership or control by or of us or any affiliated entity (in each case whether in whole or in part).
FCC does not share your personal information with third parties for those third parties’ direct marketing purposes.
Security Used & Retention of Personal Information
FCC uses reasonable security measures designed to prevent unauthorized intrusion to the Site and the alteration, acquisition or misuse of personal information, however, we will not be responsible for loss, corruption or unauthorized acquisition or misuse of personal information that you provide through the Site that is stored by us, or for any damages resulting from such loss, corruption or unauthorized acquisition or misuse. We will retain your personal information for as long as necessary to fulfill the purpose for which it was collected, or as required by applicable laws or regulation.
Do Not Track
Our Site does not currently take any action when it receives a Do Not Track request. Do Not Track is a privacy preference that you can set in your web browser to indicate that you do not want certain information about your webpage visits collected across websites when you have not interacted with that service on the page. For details, including how to turn on Do Not Track, visit www.donottrack.us.
We do not knowingly collect or maintain personal information from any person under the age of thirteen. No parts of our Site are directed to or designed to attract anyone under the age of thirteen.
Questions / Contact Us
Notification of Changes