TERMS AND CONDITIONS

Welcome to the website of Patenaude & Felix, A.P.C. The information on this page governs your use of the Patenaude & Felix, A.P.C. website. By using the site, you acknowledge that you understand the terms and conditions set out here and that you agree to comply with these terms and conditions. If you are unable to accept and abide by these terms, please do not use this site or its information. Also note that we may change these terms and conditions from time to time without otherwise providing notice. You should refer to this material whenever using the site.

Please read the following information carefully.

No Attorney-Client Relationship Formed
All materials on this website are provided by Patenaude & Felix, A.P.C. for informational purposes only and do not contain legal advice, legal opinions or any other form of advice regarding any specific facts or circumstances. The transmission and receipt of information contained on the website neither form nor constitute an attorney-client relationship with Patenaude & Felix, A.P.C., or any of its owners, associates or consultants. Any use of the information contained on this website or transmittal of information from emails on this website do not give you a reasonable basis for a belief that that use creates an attorney-client relationship.

Transmission of Information
If you would like Patenaude & Felix, A.P.C. to represent you, the best way to initiate a discussion about that representation is to call the firm at 1 (800) 832-7675. It is important that we not create a conflict of interest between you and any of our current or past clients. This protects both you and them. Therefore, under no circumstance should you provide us with information pertaining to a matter without first speaking to one of our attorneys and receiving confirmation that the appropriate conflict checks have been cleared and the firm determines that it is otherwise able to accept the engagement.

If you email or otherwise provide information, materials or documents prior to your receipt of such confirmation and an appropriate engagement, we may not be able to treat that information as privileged, confidential or protected information. In addition, we can represent a party adverse to you even if the information you submit to us could be used against you in that matter.

Limitation of Liability
Although Patenaude & Felix, A.P.C. makes reasonable efforts to keep material on this website current, please understand that laws, regulations, other legal authorities and other information change quickly and may not be fully reflected on this site without delay. Therefore, you should not act upon any information on this website without seeking professional counsel. Patenaude & Felix, A.P.C. makes no warranties, representations or claims of any kind with respect to any of the information on this website, including without limitation the accuracy, completeness and suitability for any purpose of this information. Under no circumstance shall Patenaude & Felix, A.P.C. or any of its partners, associates, consultants or agents involved in the creation or delivery of the material on this website be liable to you or anyone else as a result of damages from your access or use of material on this website.

Links
Some links within our website may lead you to other sites (third-party sites). Patenaude & Felix, A.P.C. does not have control over those sites and is not responsible for their content or your reliance on the information contained there. Our links to third-party sites do not necessarily create an endorsement or approval of any content on those sites. Once you go to a third-party site, you do so at your own risk. You are subject to the terms, conditions of use and privacy policies of the third-party site.

Copyright
Patenaude & Felix, A.P.C. claims a copyright to the material on this website. You may use this material only for personal informational purposes. If you wish to use the material for any other purposes, you must have the expressed consent of Patenaude & Felix, A.P.C. to do so. All rights reserved. Copyright .

Limitations on Use
You are prohibiting from attempting to interfere with the proper function of this site. You are prohibited from framing any content of this website. You are responsible for all damages and costs resulting from these actions in any way and from any illegal actions involving the website of Patenaude & Felix, A.P.C. whether or not enumerated here. If you have any questions about your obligations set out here, you should contact Patenaude & Felix, A.P.C. to clarify your questions.

Indemnification
You must defend, indemnify and hold harmless Patenaude & Felix, A.P.C., its partners, associates and consultants from any claims, damages, costs and expenses resulting from your failure to comply with terms set out here. If you have any questions about this obligation, you should contact Patenaude & Felix, A.P.C. to clarify your questions.

Disclosures and Disclaimers
Under Rule 1-400 of the California Rules of Professional Conduct, this website is a “communication” that is made by attorneys at Patenaude & Felix, A.P.C. who are members of the State Bar of California and addresses the availability of professional employment. In other states, this website may be deemed an advertisement.

In the event you believe this website does not comply with the rules of the state where you reside, you should disregard its contents and, if you wish, seek information about the services provided by Patenaude & Felix, A.P.C. from other resources or directly from the firm, its partners, associates or consultants.

Site Terms

Electronic Communications
When you visit the Patenaude & Felix, A.P.C. website, you are communicating with us electronically. You consent to receive communications from us electronically. You agree that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communications be in writing.

Copyright
All content included on Patenaude & Felix, A.P.C.'s website, such as text, graphics, logos, button icons, images, audio clips, digital downloads, and data compilations, is the property of Patenaude & Felix, A.P.C. or its content suppliers and protected by the United States and international copyright laws. The compilation of all content on Patenaude & Felix, A.P.C. is the exclusive property of Patenaude & Felix, A.P.C. and protected by U.S. and international copyright laws.

Site Access
Patenaude & Felix, A.P.C. or any portion of the Patenaude & Felix, A.P.C. website may not be reproduced, duplicated, copied, sold, resold, visited, or otherwise exploited for any commercial purpose without express written consent of Patenaude & Felix, A.P.C. You may not frame or utilize framing techniques to enclose any trademark, logo, or other proprietary information (including images, text, page layout, or form) of Patenaude & Felix, A.P.C. without express written consent. You may not use any meta tags or any other “hidden text” utilizing Patenaude & Felix, A.P.C.'s name or trademarks without the express written consent of Patenaude & Felix, A.P.C. Any unauthorized use terminates the permission or license granted by Patenaude & Felix, A.P.C. You are granted a limited, revocable, and nonexclusive right to create a hyperlink to the home page of Patenaude & Felix, A.P.C.'s website, so long as the link does not portray Patenaude & Felix, A.P.C., or its services in a false, misleading, derogatory, or otherwise offensive matter. You may not use any Patenaude & Felix, A.P.C. logo or other proprietary graphic or trademark as part of the link without express written permission.

Copyright Complaints
Patenaude & Felix, A.P.C. respects the intellectual property of others. If you believe that your work has been copied in a way that constitutes copyright infringement, please follow our Notice and Procedure for Making Claims of Copyright Infringement.

Disclaimer of Warranties and Limitation of Liability
Patenaude & Felix, A.P.C.'s website and all information, content, materials, software, and services included on or otherwise made available to you through the site are provided by Patenaude & Felix, A.P.C. on an “as is” and “as available” basis unless otherwise specified in the agreement. Patenaude & Felix, A.P.C. makes no representations or warranties of any kind, express or implied, as to the operation of the site or the information, content, materials, software, or services included on or otherwise made available to you through Patenaude & Felix, A.P.C.'s website unless otherwise specified in writing. You expressly agree that your use of this site is at your sole risk. To the full extent permissible by applicable law, Patenaude & Felix, A.P.C. disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability and fitness for a particular purpose. Patenaude & Felix, A.P.C. does not warrant that this site; information, content, materials, products (including any software) or services included on or otherwise made available to you through Patenaude & Felix, A.P.C.'s website; its servers; or e-mail sent from Patenaude & Felix, A.P.C. are free of viruses or other harmful components. Patenaude & Felix, A.P.C. will not be liable for any damages of any kind arising from the use of the Patenaude & Felix, A.P.C.'s website or from any information, content, materials, products (including software) or services included on or otherwise made available to you through the Patenaude & Felix, A.P.C.'s website, including, but not limited to direct, indirect, incidental, punitive, and consequential damages, unless otherwise specified in the agreement. certain state laws do not allow limitations on implied warranties or the exclusion or limitation of certain damages. if these laws apply to you, some or all of the above disclaimers, exclusions, or limitations may not apply to you, and you might have additional rights.

Applicable Law
By visiting Patenaude & Felix, A.P.C.'s website, you agree that the laws of the state of California, without regard to principles of conflict of laws, will govern these Site Terms and any dispute of any sort that might arise between you and Patenaude & Felix, A.P.C.

Site Policies, Modification, and Severability
Please review our other policies on Patenaude & Felix, A.P.C.'s website. We reserve the right to make changes to Patenaude & Felix, A.P.C.'s website, policies, and these Site Terms at any time. If any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable and shall not affect the validity and enforceability of any remaining condition.

Acceptable Use Policy
This Acceptable Use Policy describes prohibited uses of the web services offered by Patenaude & Felix, A.P.C. The examples described in this Policy are not exhaustive. We may modify this Policy at any time by posting a revised version on Patenaude & Felix, A.P.C.'s website. By using the Services or accessing Patenaude & Felix, A.P.C.'s website, you agree to the latest version of this Policy.

No Illegal, Harmful, or Offensive Use or Content
You may not use, or encourage, promote, facilitate or instruct others to use, the Services or Patenaude & Felix, A.P.C. for any illegal, harmful or offensive use, or to transmit, store, display, distribute or otherwise make available content that is illegal, harmful, or offensive.

Prohibited Activities or Content Include

• Illegal Activities Any illegal activities, including advertising, transmitting, or otherwise making available gambling sites or services or disseminating, promoting or facilitating child pornography.
• Harmful or Fraudulent Activities Activities that may be harmful to others, our operations or reputation, including offering or disseminating fraudulent goods, services, schemes, or promotions (e.g., make-money-fast schemes, ponzi and pyramid schemes, phishing, or pharming), or engaging in other deceptive practices.
• Infringing Content Content that infringes or misappropriates the intellectual property or proprietary rights of others.
• Offensive Content Content that is defamatory, obscene, abusive, invasive of privacy, or otherwise objectionable, including content that constitutes child pornography, relates to bestiality, or depicts non-consensual sex acts.
• Harmful Content Content or other computer technology that may damage, interfere with, surreptitiously intercept, or expropriate any system, program, or data, including viruses, Trojan horses, worms, time bombs, or cancelbots.

No Security Violations
You may not use the Services to violate the security or integrity of any network, computer or communications system, software application, or network or computing device (each, a “System”).

Prohibited Activities Include

• Unauthorized Access Accessing or using any System without permission, including attempting to probe, scan, or test the vulnerability of a System or to breach any security or authentication measures used by a System.
• Interception Monitoring of data or traffic on a System without permission.
• Falsification of Origin Forging TCP-IP packet headers, e-mail headers, or any part of a message describing its origin or route. This prohibition does not include the use of aliases or anonymous remailers.

No Network Abuse
You may not make network connections to any users, hosts, or networks unless you have permission to communicate with them.

Prohibited Activities Include

• Monitoring or Crawling Monitoring or crawling of a System that impairs or disrupts the System being monitored or crawled.
• Denial of Service (DoS) Inundating a target with communications requests so the target either cannot respond to legitimate traffic or responds so slowly that it becomes ineffective.
• Intentional Interference Interfering with the proper functioning of any System, including any deliberate attempt to overload a system by mail bombing, news bombing, broadcast attacks, or flooding techniques.
• Operation of Certain Network Services Operating network services like open proxies, open mail relays, or open recursive domain name servers.
• Avoiding System Restrictions Using manual or electronic means to avoid any use limitations placed on a System, such as access and storage restrictions.

No E-Mail or Other Message Abuse
You will not distribute, publish, send, or facilitate the sending of unsolicited mass e-mail or other messages, promotions, advertising, or solicitations (like “spam”), including commercial advertising and informational announcements. You will not alter or obscure mail headers or assume a sender's identity without the sender's explicit permission. You will not collect replies to messages sent from another internet service provider if those messages violate this Policy or the acceptable use policy of that provider.

Our Monitoring and Enforcement
We reserve the right, but do not assume the obligation, to investigate any violation of this Policy or misuse of the Services of Patenaude & Felix, A.P.C.'s website.

Reporting of Violations of this Policy
If you become aware of any violation of this Policy, you will immediately notify us and provide us with assistance, as requested, to stop or remedy the violation. To report any violation of this Policy, please contact Patenaude & Felix, A.P.C.

Amended January 20, 2025; reviewed January 20, 2025.

Privacy Policy

To obtain a copy of this notice in an alternative format please phone us at (800) 832-7675 or email us at [email protected].

The California Consumer Privacy Act gives a consumer the right to request that we disclose the following upon receipt of a verified request:

• The categories of personal information we collect;
• The categories of sources from which the personal information is collected;
• The purpose for collecting the personal information;
• The categories of third parties with whom the business shares persona information; and
• The specific pieces of personal information we have collected, disclosed, or sold.

The California Consumer Privacy Act also requires that we disclose the categories of personal information we typically collect about a consumer. We typically collect the following categories of information from you (and others as noted):

• personal identifying information, including, but not limited to name, address, telephone number, social security number, account number, email address, driver's license number, as well as other identifying information, which we obtain from a person's creditor, and/or credit reports and/or third party data providers and/or the consumer;
• health insurance information, if the debt is a medical debt, which we obtain from a person's creditor and/or the consumer;
• characteristics such as age, gender, etc., which we obtain from credit reports and/or a person's creditor and/or the consumer;
• retail information, which we obtain from credit reports and/or a person's creditor;
• internet activity such as IP address from cookies, after visiting our websites or payment portal;
• banking information, which we obtain from a person's creditor and/or credit reports and/or third party data providers and/or the consumer;
• geolocation data and location data, including GPS coordinates, which we obtain from process servers if there is a lawsuit filed;
• call recordings, which are made when the consumer has a telephone conversation with us;
• professional and employment related information, which we obtain from the consumer's creditor, credit reports, third party data providers, consumer's employer, and/or the consumer;
• educational information, which we obtain from the consumer's creditor, credit reports, and/or possibly any applications or other documents gathered from a person's creditor; and
• biometric information including, but not limited to physical descriptions, photos and voiceprints (audio recordings), which we obtained from person's creditor and/or process servers if there is a lawsuit, and recordings which are made when the consumer has a telephone conversation with us.

If you wish to request the categories of information or the actual information we have collected about you, please call us at (800) 832-7675, email us at [email protected], or by using our Contact Us page. Any of the information that is collected will be used for debt collection purposes.

Once we receive your request, we will compare information you provided with the information Patenaude & Felix, A.P.C. already has. If we can verify that the request came from you, we will provide the required information. We will match 2-3 identifying, personal information data points to verify that the request came from the consumer. If we cannot verify that the request came from the consumer, we will notify the consumer.

The California Consumer Privacy Act also provides for the right to opt out of the sale of personal information. However, Patenaude & Felix, A.P.C. does not and will not sell personal information. We do not disclose information to credit reporting agencies.

The California Consumer Privacy Act provides for the right for consumers to request deletion of their information, subject to various exceptions. The information that Patenaude & Felix, A.P.C. collects generally falls within an exception and does not have to be deleted upon request. Nonetheless, such a request can be made by calling us at (800) 832-7675, by email at [email protected] or through our Contact Us page.

The California Consumer Privacy Act provides that the consumer has a right not to receive discriminatory treatment by us for the exercise of the privacy rights conferred by the California Consumer Privacy Act.

The California Privacy Act provides that a consumer can designate an authorized agent to make a request under the California Consumer Privacy Act. The consumer must provide either a power of attorney or written authorization to authorize an agent to make a request.

This Privacy Statement may be amended from time to time and any amendments will be posted on this website.

This law firm is a debt collector, as defined by 15 U.S.C. Section 1692(a)(6), and this is an attempt to collect a debt. Any information obtained by us will be used for that purpose.

*AMENDED 01/20/25

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PRIVACY STATEMENT

Disclaimer

Patenaude & Felix, A.P.C. 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 websites, 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, A.P.C. collects, uses, and shares information from or about you when you visit the Site. The Site is owned or controlled by Patenaude & Felix, A.P.C. and Patenaude & Felix, A.P.C. 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 websites or any offline activities by Patenaude & Felix, A.P.C. (unless specifically stated).

This Statement describes the types of information Patenaude & Felix, A.P.C. 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, A.P.C. 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, A.P.C. 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, A.P.C. 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, A.P.C. 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.

Effective Date: October 8, 2018

Updated On: October 13, 2021