Privacy Statement

Effective Date: 8/20/2025

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

We may share your Personally Identifiable Information with third parties in the following circumstances:

(a) Service Providers: We may share your information with third-party vendors and service providers who perform services on our behalf, such as web hosting, data analysis, payment processing, and customer service. These service providers are contractually obligated to use your information only as necessary to provide the services to us and are prohibited from using it for their own purposes.

(b) Business Partners and Marketing: We may share your Personally Identifiable Information, including identifiers, contact information, and commercial information, with trusted business partners for marketing, advertising, and promotional purposes. These partners may use your information to offer you products and services that may be of interest to you. You have the right to opt out of this sharing, as described in the "Your Privacy Rights" section below.

(c) Legal Requirements and Business Transfers: We may disclose your information if required to do so by law or in the good faith belief that such action is necessary to (i) comply with a legal obligation, (ii) protect and defend our rights or property, (iii) act in urgent circumstances to protect the personal safety of users of the Site or the public, or (iv) protect against legal liability. In the event of a merger, sale, or acquisition of all or a portion of our assets, your information may be transferred to the acquiring entity.

Text messaging originator opt-in data and consent will not be shared with any third parties for their own marketing purposes.

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 or as required for the provision of services.

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.

Your Privacy Rights

Depending on your state of residence, you may have certain rights regarding your personal information. These rights may include:

The right to know and access the personal information we have collected about you.
The right to correct inaccuracies in your personal information.
The right to delete your personal information, subject to certain exceptions.
The right to opt out of the sale or sharing of your personal information for purposes of targeted advertising or marketing.
The right to data portability.
The right to not be discriminated against for exercising your privacy rights.

To exercise any of these rights, please contact us at (888)-905-1802 or by email to [email protected]. We will verify your request using the information associated with your account, including name and address. You may also designate an authorized agent to make a request on your behalf by providing them with written permission to do so.

To opt out of the sharing of your data with third parties for marketing purposes, please contact us at the methods provided above.

For California Residents:

(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;

(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 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 and other business purposes:

(a) Identifiers, 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 of protected classifications under California or federal law such as age, gender, etc., which we obtain from the consumer's creditor and consumer's credit report;

(d) commercial information, including records of retail information, which we obtain from the consumer's creditor and the consumer's credit report;

(e) Internet or other electronic network activity information 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) Audio, electronic, or visual information, including 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. We may sell or share your personal information with third-party business partners for marketing and promotional purposes. The categories of personal information we may sell or share include: Identifiers, Personal Identifying Information, Commercial Information, and Internet or other electronic network activity information. We disclose other personal information to credit reporting agencies and service providers for business purposes.

(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. You may exercise this right by contacting us at (888)-905-1802.

(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.

(8) Oliphant’s operational scope is limited to the commercial activities pertaining to the Accounts Receivable Management Industry. Accordingly, Oliphant maintains requisite consumer data in the normal course for the purpose of enforcing a legal contract with consumers. Oliphant may also share or sell certain personal information to third-party business partners for marketing and promotional purposes, as detailed in "Information We Share with Third Parties" section. You have the right to opt out of this sharing at any time.

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

(9) This privacy policy was last updated on 8/20/2025.

Gramm-Leach-Bliley Privacy Act Notice

In 1999, Congress enacted the Gramm-Leach-Bliley Act (Public Law 106-102). Federal laws require that we, along with financial institutions, explain to our customers what information we collect and how we disclose this information. In order to meet these requirements, the following is our privacy statement.

In general, the categories of nonpublic personal information collected about you from your application, your educational institution, and consumer-reporting agencies, include your address and other contact information, demographic background, account and educational status, family income, Social Security number, employment information, collection and repayment history, and credit history.

We disclose nonpublic personal information to third parties as necessary to service your account and as permitted by the Privacy Act of 1974. The Privacy Act permits disclosure to third parties as authorized under certain routine uses. Examples of disclosures permitted under the Privacy Act include disclosure to Federal and state agencies, private parties such as relatives, present and former employers, and creditors, and our contractors for purposes of administration of the student financial assistance programs, for enforcement purposes, for litigation, and for use in connection with audits or other investigations. As part of servicing your account, Oliphant USA, LLC may report or continue to report information about your account to credit reporting agencies. We may also share or sell your nonpublic personal information to nonaffiliated third partners that offer services to help resolve your debt for their own marketing purposes. The categories of information we may disclose include:

Contact Information (such as name, address, and phone number)
Account Status
Employment Information
Collection and Repayment History

The categories of third parties to whom we may disclose this information include:

Marketing companies
Financial services companies
Other business partners

Your Right to Opt Out of Information Sharing

You have the right to prevent us from sharing your nonpublic personal information with nonaffiliated third parties for their marketing purposes. If you wish to opt out of these disclosures, you may do so by contacting us through one of the following methods:

By phone: Call us toll-free at (888)-905-1802.
By email: Send an email to [email protected] with "Opt-Out" in the subject line.

Your opt-out will apply to the sharing of your information for marketing purposes but will not prevent us from sharing information as necessary to service your account, as required by law, or as otherwise permitted by the GLBA.

We protect the security and confidentiality of nonpublic personal information by implementing the following policies and practices. All physical access to the sites where nonpublic personal information is maintained is controlled and monitored by security personnel. Our computer systems offer a high degree of resistance to tampering and circumvention. These systems limit data access to our staff and contract staff on a "need-to-know" basis, and control individual users' ability to access and alter records within the systems. All users of these systems are given a unique user ID with personal identifiers. All interactions by individual users with the systems are recorded.

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.