Privacy Statement

Disclaimer

Patenaude & Felix, APC is committed to respecting your privacy, and we take the responsibility of protecting your personal and financial information seriously. This Online Privacy Statement ("Statement") applies to www.pandf.us, including the web sites, features, applications, online services and functionality available www.pandf.us that post a link to this Statement, whether accessed via computer, mobile device or otherwise (collectively, the "Site"), and explains how Patenaude & Felix, APC collects, uses, and shares information from or about you when you visit the Site. The Site is owned or controlled by Patenaude & Felix, APC and Patenaude & Felix, APC is the commercial operator of this Site. PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THE SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS. This Statement does not apply to any other web sites or any offline activities by Patenaude & Felix, APC (unless specifically stated).

This Statement describes the types of information Patenaude & Felix, APC collects from visitors to the Site and what we do with this information. This Statement applies solely to information that visitors provide through our Site.

Information Collection

When you visit our Site, we may collect the IP address of the device you use to connect to the Internet.

In addition to the above information, we may also gather personal information that you provide to us, including, but not limited to, your name, address, social security number, date of birth, phone number, and email address. We may gather such information, for example, when you use the Site to make a payment or otherwise provide information requested on the Site.

We may use your personal information for our business purposes as well as for risk management and for legal compliance purposes.

Cookies & Flash Objects

Patenaude & Felix, APC does not use cookies or flash objects in connection with the www.pandf.us website.

Information Use and Sharing

When you provide information to us through our Site, we may share your information with Clients that maintain ownership of your deficiency account(s). Information is also shared with Service Providers we have retained to perform payment processing on our behalf. These Service Providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

We also may disclose your information (i) if we are required or permitted to do so by law or legal process, (ii) to law enforcement authorities, or (iii) when we believe disclosure is necessary or appropriate to prevent physical harm or financial loss or in connection with an investigation of suspected or actual illegal activity.

We reserve the right to transfer any information we have about you in the event that all or part of Patenaude & Felix, APC or all or part of its assets are acquired by, merged with, sold to, or otherwise disposed of to one or more third parties (including, without limitation, in the event of bankruptcy).

California Residents

Patenaude & Felix, APC does not share California residents' personal information with affiliates or third parties for the affiliates' or third parties' direct marketing purposes.

Information Security

We have policies restricting access to nonpublic personal information about you to those employees and Clients who have a need to know such information (e.g., to process your transactions or provide services to you). We and our Clients have implemented and maintain physical, electronic, and procedural safeguards designed to protect against loss or unauthorized access, disclosure, alteration or destruction of the information you provide on our Site.

Maintaining Accurate Information

We have procedures in place that help us to maintain the accuracy of the personally identifiable information we collect. Please contact Patenaude & Felix, APC at (800) 832-7675, if you believe that our information about you is incomplete, out- of-date, or incorrect.

Notice to Persons Accessing this Site Outside the United States

If you are accessing our website from a location outside of the United States, all information you provide on our Site will be transferred out of your resident country into the United States. Do not provide information to us if you do not want your personally identifiable information to leave your country. By providing personally identifiable information to us, you are explicitly consenting to the transfer of your information to the United States and will be bound by United States law.

Consumer Choices Regarding Collection of Personal Information

If you do not approve of the Firm’s methods regarding collection of personal information, you can call us at (800) 832-7675 and ask to speak with a Legal account Representative.

Changes to this Notice

We may add to, delete, or change the terms of this Online Privacy Statement from time to time by posting a notice of the change (or an amended Online Privacy Statement) at this website. Your continued use of our website or any online service following notification will constitute your agreement to the revised Online Privacy Statement.

Questions

If you have any questions regarding this Online Privacy Statement, you can call us at (800) 832-7675.

Security and Compliance is at the forefront of our overall strategy and methodology.

Data and Physical Security

At Patenaude & Felix, APC. information security is of the utmost importance to our business. We continuously focus on data protection utilizing industry leading software and hardware. Our information security program is validated and improved upon annually by certified professionals.

Encryption

P&F uses the latest encryption for all data. Unlike other third party vendors who may only encrypt data in transit, i.e., transmissions to and from their clients, P&F’s data, including data at rest and backups, are completely secure and encrypted.

Password Policy

P&F uses a strong authentication with complex password policy for all access to network resources.

FDCPA

P&F’s specialized collection/ recovery system has been specifically programmed to ensure compliance with the FDCPA.