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Last Updated: March 14, 2025

INTRODUCTION

PKO Lender Services LLC (“we,” “us,” or “our”) and our in-house counsel the law offices of Polsky & Associates, respects your privacy and is committed to protecting the personal and financial information you share with us. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you interact with our services as both a debt collector and a lender’s representative.

This Privacy Policy is designed to comply with the Gramm-Leach-Bliley Act (GLBA) and other applicable privacy laws and regulations. We encourage you to read this Privacy Policy carefully to understand our practices regarding your information.

INFORMATION WE COLLECT

Personal Information

In the course of our business, we may collect the following types of personal information:

  • Contact Information: Name, address, email address, telephone number
  • Identification Information: Social Security number, driver’s license number, passport number, birthdate
  • Financial Information: Account numbers, payment history, credit history, income information, asset information
  • Employment Information: Employer name, job title, employment history
  • Transaction Information: Account balances, payment amounts, payment dates, loan terms, debt amounts
  • Communication Records: Records of communications between you and us, including call recordings, emails, and written correspondence

Information Sources

We collect personal information from various sources, including:

  • Information you provide directly to us
  • Information from the creditors or lenders we represent
  • Credit reporting agencies
  • Public records and databases
  • Other financial institutions
  • Third-party service providers

HOW WE USE YOUR INFORMATION

We may use your personal information for the following business purposes:

  • To collect debts on behalf of creditors
  • To represent lenders in financial transactions
  • To communicate with you about your accounts
  • To verify your identity
  • To process payments
  • To report to credit bureaus
  • To respond to your inquiries and requests
  • To comply with legal and regulatory requirements
  • To prevent fraud and manage risk
  • To improve our services
  • To perform account maintenance and servicing

INFORMATION SHARING AND DISCLOSURE

Categories of Third Parties We Share With

We may share your personal information with the following categories of third parties:

  1. Original Creditors and Lenders: We share information with the creditors and lenders we represent to service your accounts.
  2. Service Providers: We may disclose your information to third-party service providers who perform services on our behalf, such as payment processing, data analysis, email delivery, hosting services, and customer service.
  3. Legal and Regulatory Authorities: We may disclose your information as required by law, such as to comply with a subpoena, bankruptcy proceedings, or similar legal process, or in response to a lawful request by public authorities.
  4. Credit Reporting Agencies: We may report account information to credit reporting agencies.
  5. Affiliated Companies: We may share your information with our affiliated companies for business purposes.
  6. Professional Advisors: We may share your information with professional advisors, such as lawyers, auditors, and insurers.
  7. Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

Limitations on Sharing

We restrict access to your personal information to employees and third parties who need to know that information to provide services to you or to conduct our business operations. We maintain physical, electronic, and procedural safeguards to protect your personal information.

Your Right to Opt Out

The GLBA gives you the right to limit some but not all sharing of your personal information. You have the right to opt out of:

  • Sharing your information with affiliated companies for their everyday business purposes
  • Sharing your information with affiliated companies to market to you
  • Sharing your information with nonaffiliated companies to market to you

To exercise your opt-out rights, please contact us using the information provided in the “Contact Information” section below.

DATA SECURITY

We implement appropriate technical and organizational measures to maintain the security of your personal information and protect it against unauthorized or unlawful processing, accidental loss, destruction, or damage. However, no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

DATA RETENTION

We will retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. The criteria used to determine our retention periods include:

  • The length of time we have an ongoing relationship with you
  • Whether there is a legal obligation to which we are subject
  • Whether retention is advisable in light of our legal position (such as in regard to applicable statutes of limitations, litigation, or regulatory investigations)

YOUR RIGHTS AND CHOICES

Depending on your location, you may have certain rights regarding your personal information. These may include:

  • The right to access personal information we hold about you
  • The right to request correction of inaccurate personal information
  • The right to request deletion of your personal information in certain circumstances
  • The right to opt out of certain data sharing practices

To exercise any of these rights, please contact us using the information provided in the “Contact Information” section below.

CHANGES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time in response to changing legal, technical, or business developments. When we update our Privacy Policy, we will take appropriate measures to inform you, consistent with the significance of the changes we make. We will obtain your consent to any material Privacy Policy changes if and where this is required by applicable data protection laws.

CONTACT INFORMATION

If you have any questions or concerns about this Privacy Policy or our privacy practices, please contact us at:

PKO LENDER SERVICES, LLC

600 Jefferson Plaza, Suite 420

Rockville, MD 20852

301.798.6140

Email: collections@pkollc.com

IMPORTANT INFORMATION FOR CALIFORNIA RESIDENTS

If you are a California resident, you may have additional rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA). Please see our California Privacy Notice for more information.

FOR VERMONT RESIDENTS

In accordance with Vermont law, we will not share information we collect about Vermont residents with companies outside of our corporate family, except as permitted by law, such as with your consent, to service your accounts, or to other financial institutions with which we have joint marketing agreements.

SPECIAL NOTICE FOR COLLECTION ACTIVITIES

When acting as a debt collector, we comply with the Fair Debt Collection Practices Act (FDCPA) and other applicable collection laws. Communications with you regarding collection activities may be recorded or monitored for training, compliance, and quality assurance purposes.

This communication is from a debt collector. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

SPECIAL NOTICE FOR LENDER REPRESENTATION ACTIVITIES

When acting as a lender’s representative, we may collect and use additional information necessary to establish and maintain the lending relationship, such as credit scores, income verification, and collateral information. This information is protected under this Privacy Policy and is subject to the same security measures and sharing limitations.

 

SMS Terms of Service

By opting into SMS from a web form or other medium, you are agreeing to receive SMS messages from PKO Lender Services. This includes SMS messages for appointment scheduling, appointment reminders, post-visit instructions, lab notifications, and billing notifications. Message frequency varies. Message and data rates may apply. See privacy policy at https://pkollc.com/privacy-policy. Message HELP for help. Reply STOP to any message to opt out.