Privacy Statement

Effective Date: 5/4/2024

The Privacy Policy outlined below is applicable to information you submit to our web site at www.OliphantUSA.com (“the “Site”). It does not apply to information collected from other sources, including off-line information collection. For general information related to our collection and use of personally identifiable information from any source, including the Site, please see our Privacy Notice.

We may change this Privacy Policy from time to time. The “Effective Date” legend at the top of the page indicates when this Privacy Policy was last revised.

Information We Collect

Oliphant USA, LLC respects your right to privacy, and your right to be free from unwanted Internet intrusions. When a visitor contacts the Site, we may collect personally identifying information such as name, street and e-mail addresses, phone numbers, the site the visitor linked from, and other information which, when used by itself or with other data, might identify that person (“Personally Identifiable Information”). We typically collect Information from these sources:

Automatic Information. We receive and store some Information automatically when you interact with the Site, such as information your web browser provides to our web server. Like many web sites, we use “cookies,” which are unique identifiers that we transfer to your device to enable us to recognize your device and to provide certain features to you.

The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Because cookies enable you to use certain features on the Site, we recommend that you leave them turned on.

We collect potentially Personally Identifiable Information like Internet Protocol (or “IP”) addresses

E-mail Messages. We receive and store information you provide to us through electronic mail (“e-mail”) communications to us. Additionally, to help us make e-mails more useful and interesting, we may receive a confirmation when you open e-mail from the Site if your computer supports such capabilities.

Information you provide to us. We receive and store information you enter on the Site, for example, when you complete a search request, or voluntarily provide information in any other way on the Site. If you prefer that we not collect and store information that you provide to us about you on the Site, please do not provide it to us and do not access the Site.

How We Use Your Information

Oliphant Financial (“OUSA,” “We,” or “Us”) is a debt collector and our communications are an attempt to collect debt. Any information obtained may be used for that purpose. OUSA will use Information that you provide through the Site for the specific purpose for which you submitted the Information and/or as described in this Web Privacy Policy and in accordance with our Privacy Notice, and to assemble Information we obtain to assess the usefulness and popularity of the various web pages on our web site, or certain links to or from the site.

Information We Share with Third Parties

1. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

2. Subscriber text messaging originator opt-in data and consent details will not be shared with any third parties except when explicitly authorized by the subscriber.

By providing us with your mobile number and opting-in, you give Oliphant USA, LLC permission to send you account-related text messages, like payment reminders and notifications, as well as promotional messages, like special offers and discounts, in conjunction with the services you have requested. Number of messages will vary by account. Message and data rates may apply. To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you. To request support, text HELP to any text message we send you or email us at [email protected]. If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.

Security

We are committed to providing reasonable measures to protect your Information from any unauthorized access or disclosure, and use measures to protect your information. However, no web site is invulnerable, and you should also take sensible measures to safeguard your Information. We (like all websites) cannot warrant or guarantee 100% security of any information you transmit to us through the Site.

Your Choices About Your Personally Identifiable Information

Managing “Do Not Track” Signals. Some browsers have a Do Not Track (“DNT”) feature that lets you tell websites that you do not want your online activities tracked. When you choose to turn on the DNT setting in your browser, your browser sends a special signal to websites, ad networks, plug-in providers, and other web services you encounter while browsing to stop tracking your activity via cookies or other tracking technologies. OUSA’s Site does not currently respond to DNT browser signals or mechanisms. Protections for Children. The Site is not designed for or targeted to children under the age of 18. OUSA will never knowingly solicit or collect Personally Identifiable Information from a child under the age of 18 through the Site. If we discover that a child under the age of 18 has submitted Personally Identifiable Information, we may delete that information without further notice.

Links

The Site may contain links to other web sites. OUSA has no control over and assumes no responsibility for the privacy practices of such other web sites.

Must be Eighteen (18) Years of Age

The Site are only intended for use by adults. If you are under 18, you may use the Site only with the permission and involvement of a parent or legal guardian.

English Version Prevails

In the event this Web Privacy Policy is translated into other languages and there is a discrepancy between the two language versions, the English language version shall prevail.

Disclaimer

The Site is provided for information purposes only, and the information contained therein must not be relied on as credit or legal advice. The information contained in the Site is provided only as general information. Because it is only updated periodically, such information may or may not reflect the most current information available to OUSA; we cannot guarantee that it is correct or complete at any particular time. Further, OUSA has no control over and does not guarantee the accuracy of information available through any links contained in the Site.

Visitors to the Site should not: (1) assume that information contained in the Site is up to date; (2) rely upon any such information for any purpose without first seeking independent advice; and (3) provide any information to OUSA through the Site if the provider considers the information confidential, as the Site may not be secure. Your providing information to OUSA and/or the Site does not create or result in any relationship between us and you, whether as credit advisor-consumer, attorney-client, or otherwise. Nothing contained in the Site should be construed to constitute a recommendation or endorsement of any product, service or site by OUSA.

For California Residents:

(1) A consumer has the right to request that the business disclose the following:

1. The categories of personal information we collect;
2. The categories of sources from which the personal information is collected;
3. The purpose for collecting the personal information;
4. The categories of third parties with whom the business shares personal information; and
5. The specific pieces of personal information we have collected, disclosed or sold. Such a request can be made to OUSA at (888)-905-1802 or by email to [email protected]. Once we receive your request, we will compare the 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 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)account information, which we obtain from the original creditor, or previous creditor or the consumer, if we are collecting a 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 regarding online payments, which we collect if the consumer visits our website or payment portal; (f) geolocation data, which we obtain from process servers; (g) recordings, which are made when the consumer has a telephone conversation with us; (h) professional and employment-related information, which we obtain from the consumer's creditor, credit reporting agencies, and other skip trace sources; and (i) educational information, which we obtain from the consumer's creditor, credit reporting agencies, and other skip trace sources.

(3) We do not sell any personal information to third parties. We do disclose information to credit reporting agencies.

(4) The California Consumer Privacy Act provides for the right for consumers to request the deletion of their information, subject to various exceptions. The information that Oliphant USA has generally fallen within an exception and does not have to be deleted upon request. Nonetheless, such a request can be made to OUSA (888)-905-1802 or by email to [email protected]. Once we receive your request, we will compare the information you provided with the information OUSA 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.

(5) The California Consumer Privacy Act also provides for the right to opt out of the sale of personal information. However, we do not sell personal information.

(6) 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.

(7) 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.

Questions regarding this Privacy Policy should be directed to [email protected].

(9) This privacy policy was last updated on 5/5/2024.

Contacting Us

If you have questions or comments about this Web Privacy Policy, please contact us at [email protected]. More contact information available here.

Changes to Our Web Privacy Policy

The Effective Date of this Privacy Policy is set forth at the top of this Privacy Policy. OUSA may from time to time make changes to this Privacy Policy to reflect changes in legal or regulatory obligations or changes in the manner in which we collect and use Personally Identifiable Information. We will notify you by posting the modified Privacy Policy, and its effective date, on this page. For this reason, you should regularly review this Privacy Policy and note the effective date. Your continued use of the Site after the Effective Date constitutes your acceptance of the amended Privacy Policy. The amended Privacy Policy supersedes all previous versions.