Privacy Policy

Last Updated: December 4, 2025

This Privacy Policy describes how Vegas Valley Collection Service and our related companies (“VVCS,” “we,” “us,” or “our”) collect, use, disclose, and protect personal information in connection with:

→ Accounts placed with us for collection; and

→ Your use of our websites, web applications, and online services that link to this Privacy Policy (collectively, the “Site”).

This Policy is intended for individuals located in the United States. Our Site and services are not directed to residents of the European Economic Area, United Kingdom, or Switzerland.

By accessing or using the Site, you agree to this Privacy Policy and our Terms of Use. We may update this Privacy Policy from time to time. The “Last Updated” date above indicates when it was most recently revised. Your continued use of the Site after any changes means you accept the updated Policy.

1. Categories of Personal Information We Collect

We collect different types of personal information depending on how you interact with us.

A. Information Related to Accounts Placed With VVCS

When a creditor or their agent places an account with us for collection, they may provide information about you, including but not limited to:

→ Full name and any aliases

→ Date of birth

→ Social Security number (SSN) or portions of SSN

→ Mailing address(es) and prior addresses

→ Phone numbers and email addresses

→ Account numbers and reference numbers

→ Original creditor and current creditor

→ Balance, charges, interest, fees, payment history, and status

→ Insurance information and claim status (for certain healthcare accounts)

→ Other information the creditor believes is relevant to servicing or collecting the account.

B. Information You Provide Directly

We may collect any information you provide directly to us, including when you:

→ Call our office or speak with our representatives

→ Send us an email, text/SMS, fax, or mail

→ Use our web applications or online forms (for example, when you:

→ Make or schedule a payment

→ Dispute a debt

→ Update contact information or insurance information

→ Request documentation or assistance

→ Create a payment plan or set up autopay through our online portals.

This information may include:

→ Name

→ Contact details (address, phone, email)

→ Account numbers and identifiers

→ Payment card or bank account information (for payments you authorize)

→ Information about your financial situation, disputes, or hardship

→ Any other information you choose to provide.

C. Information Collected Automatically From the Site

When you visit or interact with our Site, we and our service providers may automatically collect information from your browser or device, such as:

→ IP address and approximate location (e.g., city/state)

→ Device identifiers

→ Browser type and settings

→ Operating system and version

→ Dates and times of access

→ Pages and content you view, links you click, and actions you take

→ Referring and exit pages

→ Interaction with our emails (e.g., opens, clicks) where applicable.

We collect this information using technologies such as cookies, pixels, tags, scripts, and similar tools. See Section 4 (Cookies, Online Tracking & Advertising) for more detail.

D. Information From RB2B and Other Visitor Identification / Marketing Partners

For our business-to-business marketing and lead generation, we use visitor-identification and marketing tools such as RB2B (Retention.com) and similar services. These providers may:

→ Use cookies, device identifiers, and IP-based geolocation to determine whether a visitor is in the United States; and

→ For U.S.-based visitors, match visits to other information they or their partners hold (for example, an email address or business profile) so that we can follow up with marketing communications and sales outreach.

When you visit or log in to our Site, our online data partners or vendors may associate that activity with other information about you, including your email address, and we (or service providers acting on our behalf) may then send communications or marketing to that email address.

You can opt out of certain RB2B-based advertising by visiting:
https://app.retention.com/optout

These tools are used for U.S. visitors only and primarily for B2B lead generation and marketing pursuits—not for debt collection decisions about your existing account.

E. Information From Other Third Parties

We may also obtain information from third parties, such as:

→ Address, phone, bankruptcy, probate, and deceased information from verification and skip-tracing vendors

→ Payment processors and financial institutions (e.g., confirmation of payment, chargebacks, or returns)

→ Analytics, advertising, and anti-fraud vendors

→ Professional advisors (e.g., law firms) assisting us with our collection efforts or compliance obligations.

2. How We Use Personal Information

We use the personal information we collect for purposes including:

A. Debt Collection and Account Servicing

→ Identifying and authenticating the correct individual associated with an account

→ Communicating with you about your account by phone, text/SMS, email, mail, or through our web applications

→ Processing payments, payment plans, and refunds that you authorize

→ Investigating and responding to disputes, complaints, and inquiries

→ Maintaining records of our interactions as required by law or for our legitimate business purposes.

B. Compliance With Law and Risk Management

→ Complying with federal, state, and local laws and regulations (such as the Fair Debt Collection Practices Act and applicable state laws)

→ Demonstrating compliance to regulators, clients, auditors, and courts

→ Detecting, investigating, and preventing fraud, abuse, security incidents, and other harmful or unlawful activity

→ Enforcing our agreements and defending against legal claims.

C. Operating, Improving, and Securing the Site

→ Operating and maintaining our websites and web applications

→ Analyzing usage to understand performance, diagnose issues, and improve user experience

→ Testing, research, and product/service development

→ Monitoring and enhancing the security of our systems.

D. Marketing, Lead Generation, and Advertising (Website Visitors Only)

For visitors to our public-facing marketing pages, we may use personal information to:

→ Send information about our services (for example, to potential or existing business clients)

→ Build and manage prospect lists and sales pipelines

→ Measure the effectiveness of our marketing campaigns

→ Show ads about our services on other websites and platforms, including through Google Ads and similar advertising providers (see Section 4.3).

We do not use sensitive debt-collection information (such as full SSN or detailed account balances received from creditors) to build advertising audiences.

3. Sources of Personal Information

We receive personal information from:

→ Creditors, their agents, or business associates who place accounts with us

→ You directly, when you contact us by phone, email, SMS, mail, or through our web applications

→ Third-party service providers (e.g., address and phone verification, bankruptcy and deceased checks, skip-tracing, payment processors)

→ Analytics, advertising, and visitor identification partners (such as RB2B and Google Ads/Analytics) in connection with visits to our Site.

4. Cookies, Online Tracking & Advertising

4.1 Cookies and Similar Technologies

We use cookies and similar technologies to:

→ Keep you logged in and remember your preferences

→ Help secure our Site and detect fraud or abuse

→ Understand how visitors use our Site

→ Measure and improve the effectiveness of our marketing.

You can usually set your browser to refuse or delete cookies. If you disable cookies, some features of the Site may not function properly.

4.2 Analytics

We use analytics tools (such as Google Analytics or similar services) to understand how visitors use our Site, including what pages are visited and how often, in order to improve our content and usability.

These tools may use cookies or device identifiers to collect information about your use of the Site and may provide us with aggregated reports.

4.3 Google Ads & Remarketing

We use Google Ads, including remarketing and conversion measurement, to advertise our services online.

This means that:

→ We advertise across websites and apps that are part of the Google advertising network.

→ Google and other third-party vendors may use cookies or device identifiers to show our ads based on your past visits to our Site.

→ These technologies allow us to show more relevant ads and measure the effectiveness of our campaigns.

We do not use Google Ads to target ads based on sensitive information such as your debts, detailed financial status, health conditions, or other sensitive categories.

How to opt out of Google advertising cookies

You can control or opt out of Google’s personalized ads in several ways, including:

→ Google Ads Settings: https://www.google.com/settings/ads

→ Network Advertising Initiative opt-out: https://optout.networkadvertising.org

→ Your browser or device settings to limit or block cookies and advertising identifiers.

4.4 RB2B and Other Visitor Identification Tools

As described in Section 1(D), we use RB2B (Retention.com) and similar tools to identify and enrich information about U.S.-based visitors on our marketing pages so we can follow up with relevant communications (for example, outreach to potential business clients).

These tools may:

→ Determine whether a visitor is in the U.S. using IP-based geolocation

→ Use cookies and device IDs to match U.S. visitors to existing profiles in their databases

→ Provide us with contact information (such as an email address or company details) for sales and marketing outreach.

You may opt out of certain RB2B-based advertising by visiting:
https://app.retention.com/optout

4.5 “Do Not Track” Signals

Some browsers offer “Do Not Track” (DNT) signals. There is currently no industry standard for how to respond to these signals, and we do not respond to DNT at this time. We instead offer the choices described in this Policy.

5. How We Disclose Personal Information

We do not share your personal information with third parties except as described in this Policy or as permitted or required by law.

We may disclose personal information:

A. To Service Providers

We share personal information with a limited number of third-party service providers who help us operate our business and provide our services, including:

→ Payment processors and banks

→ Mailing, printing, and communication vendors (letters, emails, SMS)

→ Data verification, skip-tracing, and address/phone update providers

→ Analytics, security, and website hosting providers

→ IT, software, and document management vendors

→ Marketing and advertising partners (for website visitors and B2B leads).

These service providers are authorized to use personal information only as necessary to provide services to us and are required to protect it in accordance with applicable law and our contracts.

B. To Creditors and Clients

We may share information about account status, communications, and payments with the creditor (or their agent or assignee) who placed your account with us, as well as reports and aggregated data they request or require.

C. For Legal and Compliance Purposes

We may disclose information:

→ To law enforcement, regulators, courts, or others when we believe disclosure is required or appropriate under applicable law (for example, in response to a subpoena or court order)

→ To protect our rights, privacy, safety, or property, or that of our clients, employees, or the public

→ To investigate and respond to complaints, disputes, or legal claims.

D. In Corporate Transactions

In the event of a merger, acquisition, reorganization, sale of assets, or similar corporate transaction, personal information may be transferred as part of that transaction, subject to applicable law.

E. Aggregated and De-Identified Data

We may share aggregated or de-identified information (that is not reasonably capable of identifying you) with clients, prospective clients, and regulators to describe our services, performance, or business trends.

6. “Sale” or “Sharing” of Personal Information

We do not sell personal information for money in the traditional sense.

However, some U.S. state privacy laws define “sell” or “share” broadly to include certain uses of personal information for targeted advertising or cross-context behavioral advertising (for example, allowing third-party advertising cookies on our Site).

In connection with our use of RB2B, Google Ads, and similar marketing and analytics tools for website visitors and B2B leads, we may engage in practices that could be considered a “sale” or “sharing” of identifiers and internet activity information under those laws.

You can opt out of these practices as described in Section 7 (Your Privacy Rights and Choices), including through:

→ RB2B opt-out: https://app.retention.com/optout

→ Google Ads and NAI opt-outs listed above; and

→ Contacting us to request that we not use your information for targeted advertising.

We do not sell or share sensitive account information such as full Social Security numbers or full financial account numbers for advertising or marketing purposes.

7. Your Privacy Rights and Choices (U.S.)

A. Marketing Communications

If you receive marketing emails from us, you can unsubscribe at any time by:

→ Clicking the “unsubscribe” link in the email; or

→ Contacting us using the information in Section 13 (Contacting Us).

If you receive texts/SMS from us for marketing purposes (if any), you may opt out by replying STOP.

Note: Communications sent to collect a debt or service your account may not always be considered “marketing,” and our ability to contact you for those purposes is governed by debt collection and other applicable laws.

B. Cookies, Analytics, and Advertising

You can:

→ Adjust your browser settings to block or delete cookies

→ Use Google’s tools to control personalized ads: https://www.google.com/settings/ads

→ Use the Network Advertising Initiative opt-out: https://optout.networkadvertising.org

→ Opt out of certain RB2B-based advertising: https://app.retention.com/optout

Because these controls are provided by third parties, we are not responsible for their availability or effectiveness.

C. State Privacy Rights

Depending on where you live (for example, in states such as California, Colorado, Connecticut, Utah, Virginia, and others with comprehensive privacy laws), you may have additional rights regarding your personal information, which may include:

→ Right to know/access: to request that we confirm whether we are processing your personal information and provide certain details.

→ Right to correction: to request that we correct inaccuracies in your personal information.

→ Right to deletion: to request that we delete personal information we maintain about you, subject to legal exceptions (for example, where we must retain records to comply with debt collection and recordkeeping laws).

→ Right to data portability: to receive certain information in a portable format.

→ Right to opt out of the sale or sharing of personal information and certain forms of targeted advertising.

→ Right to limit use of sensitive personal information (in some states), subject to legal requirements.

We will not discriminate against you for exercising your privacy rights.

How to exercise your privacy rights

To submit a request, you may:

→ Use the contact methods listed on the “Contact” page of our Site; or

→ Write to us at the address provided in Section 13.

When you make a request, we may need to verify your identity (for example, by asking you to provide certain information such as your name, address, or details from our records) to protect your privacy and security.

Where permitted by law, you may authorize someone else to make a request on your behalf, and we may require proof of that authorization.

Some information may be exempt from these rights because we are required or allowed to keep it under applicable laws (for example, for accounting, legal, or compliance reasons).

8. Data Security

We take the security of your information seriously. We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction.

For example:

→ We use encryption for certain data in transit

→ We limit access to personal information to personnel and service providers with a business need

→ Our systems are housed in facilities with physical security controls.

However, no method of transmission over the Internet or method of electronic storage is completely secure. You acknowledge that:

→ There are security and privacy limitations inherent in using the internet;

→ We cannot guarantee that information will always remain secure; and

→ Information may be accessed or altered by a third party despite our efforts.

9. Data Retention

We retain personal information:

→ For as long as necessary to provide our services and carry out the purposes described in this Policy;

→ For as long as accounts remain active or are reasonably likely to result in further activity; and

→ As long as required by applicable law, contracts with our clients, and our record retention policies (which may require retention for several years after an account is closed).

We may retain de-identified or aggregated information indefinitely.

10. Children’s Privacy

Our Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13.

If we learn that we have collected personal information online from a child under 13 without appropriate consent, we will delete it as required by law. If you believe we may have such information, please contact us using the information below.

11. Third-Party Websites

Our Site may contain links to websites or services operated by third parties. We do not control and are not responsible for the privacy practices of these third-party sites. Your use of those sites is subject to their own terms and privacy policies, not this Privacy Policy.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.

When we do