Sterling Core Services respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard your information when you visit our website or use our debt collection services.
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1. Information We Collect
We may collect the following types of personal information:
• Contact Information: Name, phone number, email address, mailing address
• Debt Information: Account numbers, balances, payment history, original creditor details
• Financial Information: Bank account details, payment history, and related financial data
• Website Usage: IP address, browser type, device identifiers, and site navigation behavior
We do not knowingly collect data from individuals under the age of 16.
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2. How We Use Your Information
We use your information for the following purposes:
• To verify your identity and validate accounts
• To collect outstanding debts in compliance with applicable law
• To process payments securely
• To communicate with you regarding your account or inquiries
• To improve website performance and user experience
• To meet legal and regulatory obligations
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3. Your Rights Under the FDCPA
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to:
• Request validation of the debt within 30 days of our initial communication
• Dispute the debt in writing
• Request we cease communication in certain situations
To exercise these rights, please contact us using the information in Section 10.
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4. Sharing of Information
We do not sell or rent your personal information. We may share your data with:
• Original creditors or debt buyers
• Authorized service providers (e.g., payment processors)
• Government agencies or courts if required by law
• Credit reporting agencies, where permitted
We require all third parties to adhere to strict confidentiality and security practices.
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5. Your Rights Under the GLBA
In accordance with the Gramm-Leach-Bliley Act (GLBA), you have the right to:
• Limit certain disclosures of your personal information to non-affiliated third parties
• Opt out of non-essential data sharing (where applicable)
To submit an opt-out request, contact us at [Insert Email or Mailing Address].
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6. State-Specific Privacy Notices
If you are a resident of the following states, you are entitled to additional disclosures:
• Colorado: You may request in writing that we stop all communication with you.
• Maryland: Our company is licensed as a collection agency [Insert license number if applicable].
• Maine: You may request itemization of your debt, including interest and fees.
• California: You have additional rights under the California Consumer Privacy Act (CCPA) if applicable. Contact us for a full disclosure.
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7. Automated Decision-Making
We may use automated tools to assist in debt evaluation and communication scheduling. These tools do not make legal or binding decisions without human oversight. You may request an explanation of any decision made by automated means or contest the outcome by contacting us.
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8. Cookies and Tracking Technologies
Our website may use cookies or similar technologies to:
• Track usage trends and site performance
• Maintain session security
• Personalize user experience
You may disable cookies via your browser settings, but some site features may not function properly.
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9. Changes to This Policy
We may revise this Privacy Policy from time to time. Any updates will be posted on this page with a revised effective date. If material changes are made, we will notify users by email or through a prominent website notice.
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10. Contact Us
For questions, disputes, opt-out requests, or to exercise your rights, please contact:
Sterling Core Services
Contact@sterlingcoresvc.com
(855) 507-3856
