1 (800) 941-1999
(1) A consumer has the right to request that the business disclose the following:
(a) The categories of personal information we collect;
(b) The categories of sources from which the personal information is collected;
(c) The purpose for collecting the personal information and how long such information will be retained;
(d) The categories of third parties with whom the business shares personal information; and
(e) The specific pieces of personal information we have collected, disclosed, or sold.
Such a request can be made to The E&A Group at 1 (800) 941-1999 or write to us at The E&A Group, P.O. Box 5070, Laguna Beach, CA 92652. Once we receive your request, we will compare information you provided with the information we already have. 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 you. If we cannot verify that the request came from you, we will notify you.
(2) We typically collect the following categories of personal information about a consumer for debt collection purposes only:
(a) health insurance information, which we obtain from the consumer’s creditor or the consumer, if we are collecting medical debt;
(b) personal identifying information, like name, address and account number, as well as other identifying information, which we obtain from the consumer’s creditor, credit reports and other skip trace tools, and the consumer;
(c) characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report;
(d) retail information, which we obtain from the consumer’s creditor and the consumer’s credit report;
(e) internet activity, which we collect if the consumer visits our payment portal;
(f) professional and employment related information, which we obtain from the consumer’s creditor, credit reporting agencies, and other skip trace sources; and
(g) educational information, which we obtain from the consumer’s creditor, if we are collecting educational debt, as well as credit reporting agencies and other skip trace sources.
(3) We typically maintain the personal information we collect while we service an account for our client and up to 4 years after that time in case there are any questions about the account or the information is needed for legal purposes, including any claims of identity theft.
(4) We do not sell any personal information to third parties. We do disclose information to:
(a) Service providers we use to assist our clients in collecting their debts, such as letter vendors or skip tracing providers;
(b) Other third parties we use to help us run our business, such as payment processors;
(c) Third parties approved by you;
(d) Credit reporting agencies;
(e) Federal or state governmental agencies, such as the Consumer Financial Protection Bureau, state Attorney Generals, etc.;
(f) Our attorneys, insurers and brokers; and
(g) Our bank[s].
(5) The California Consumer Privacy Act and the California Privacy Rights Act provide for the right for consumers to request deletion of their information, subject to various exceptions. The information regarding a consumer that Integral Recoveries has generally falls within an exception and does not have to be deleted upon request. Nonetheless, such a request or a request for information, etc. can be made to The E&A Group at 1 (800) 941-1999 or write to us at The E&A Group, P.O. Box 5070, Laguna Beach, CA 92652. Once we receive your request, we will compare information you provided with the information The E&A Group already has. We will match 2-3 identifying, personal information data points to verify that the request came from the consumer. If we can verify that the request came from you, we will provide the required information or response. If we cannot verify that the request came from you, we will notify you.
(6) The California Consumer Privacy Act and the California Privacy Rights Act also provide for the right to opt out of the sale of personal information. However, we do not sell personal information.
(7) The consumer has a right to request correction of inaccurate personal information. Such a request can be made to The E&A Group at 1 (800) 941-1999 or write to us at The E&A Group, P.O. Box 5070, Laguna Beach, CA 92652.
(8) 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.
(9) A consumer can designate an authorized agent to make a request under the California Consumer Privacy Act and the California Privacy Rights Act. The consumer must provide either a power of attorney or written authorization.
(10) For questions, we can be reached at 1 (800) 941-1999 or write to us at The E&A Group, P.O. Box 5070, Laguna Beach, CA 92652.
(11) To request this notice be provided in an alternative format, please call us at 1 (800) 941-1999 or write to us at The E&A Group, P.O. Box 5070, Laguna Beach, CA 92652
(12) This privacy policy was last updated on February 17, 2022.