PURSUANT TO THE CALIFORNIA CONSUMER PRIVACY ACT
A. Consumer Rights
The CCPA provides consumers with specific rights regarding their personal information. This section describes your CCPA rights.
1. Access Rights:
You have the right to request that RSIEH disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
- The categories of personal information we collected about you.
- The categories of sources for the personal information we collected about you.
- Our business or commercial purpose for collecting or selling that personal information.
- The categories of third parties with whom we share that personal information.
- The specific pieces of personal information we collected about you (also called a data portability request).
2. Right to Non-Discrimination:
We will not discriminate against you for exercising any of your CCPA rights. Unless permitted by the CCPA, we will not:
- Deny you goods or services.
- Charge you different prices or rates for goods or services, including through granting discounts or other benefits, or imposing penalties.
- Provide you a different level or quality of goods or services.
- Suggest that you may receive a different price or rate for goods or services or a different level or quality of goods or services.
3. Deletion Rights:
You have the right to request that RSIEH delete any personal information about you that we have from you. However, this right does not apply where we need to retain the personal information in order to do any of the following:
- Complete the transaction for which the personal information was collected, provide a good or service requested by you, or reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform a contract between RSIEH and you;
- Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity; or prosecute those responsible for that activity;
- Debug to identify and repair errors that impair existing intended functionality;
- Exercise free speech, ensure the right of another consumer to exercise his or her right of free speech, or exercise another right provided for by law;
- Comply with the California Electronic Communications Privacy Act pursuant to Chapter 3.6 of Title 12 of Part 2 of the Penal Code;
- Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when our deletion of the information is likely to render impossible or seriously impair the achievement of such research, if you have provided informed consent;
- To enable solely internal uses that are reasonably aligned with your expectations based on the your relationship with RSIEH;
- Comply with a legal obligation; or
- Otherwise use your personal information, internally, in a lawful manner that is compatible with the context in which you provided the information.
Additionally, in the context of our role as a service provider, we are not obligated to comply with requests to delete information which is collected, maintained or sold in our role as a service provider. Furthermore, requests to delete may be denied if deletion could restrict our ability to comply with federal, state or local laws, as well as our ability to exercise or defend legal claims.
If there are no applicable exclusions, once we receive your verifiable consumer request, we will delete any of your personal information which we have collected from you.
B. Exercising Your Rights
To exercise the access and deletion rights described above, please submit a verifiable consumer request to us by either:
- calling us at 855-517-6279
- submitting the following form: www.rauschsturm.com/request-ccpa
Only you, or a person that you registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request for access twice within a 12-month period. The verifiable request must:
- provide sufficient information that allows us to reasonably verify you are the person about whom we collected personal information or an authorized representative.
- describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.
To verify your request, we will compare information you provided with the information RSIEH already has. We will match 2-3 identifying, personal information data points to verify that the request came from the consumer. We cannot provide you with personal information if we cannot verify your identity or your authority to make the request. If we cannot verify the request, we will notify you.
C. Service Provider
We are both a business and a service provider as those terms are defined by the CCPA. A service provider that is a business shall comply with the CCPA with regard to any personal information that it collects or maintains outside of its role as a service provider. Most of the personal information that we collect or maintain is done in context of our role as a service provider. If we deny your request under the CCPA because all of the information collected or maintained about you has been pursuant to our role as a service provider, we will advise you of that and we will submit your request directly to the business on whose behalf we collect or maintain the information. Additionally, if we deny your request on this basis, we will provide you with the contact information for that business.
D. Categories of Personal Information Collected
We collect information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device (“personal information”). In particular, we have collected the following categories of personal information from consumers within the last twelve (12) months:
- 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;
- characteristics such as age, gender, etc., which we obtain from the consumer’s creditor and consumer’s credit report;
- retail information, which we obtain from the consumer’s creditor and the consumer’s credit report;
- internet activity regarding online payments and account updates, which we collect if the consumer visits our website or payment portal;
- geolocation data, which we obtain from process servers;
- recordings, which are made when the consumer has a telephone conversation with us;
- professional and employment related information, which we obtain from the consumer’s creditor, credit reporting agencies, the consumer, and other skip trace sources; and
- educational information, which we obtain from the consumer’s creditor, credit reporting agencies, the consumer, and other skip trace sources.
Personal information does not include:
- Publicly available information from government records.
- De-identified or aggregated consumer information.
Information excluded from the CCPA’s scope, such as:
- Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPPA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
- Personal information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Act (FIPA), and the Driver’s Privacy Protection Act of 1994.
E. Categories of Sources of Personal Information Collected
We collect personal information from the following categories of sources:
- Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us.
- Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services to them.
- Directly or indirectly from activity on our website. For example, from submissions through our website portal or website usage details collected automatically.
- From third-parties that interact with us in connection with the services we perform. For example, from government and/or publicly available data bases.
F. Purposes for Collection of Personal Information
We may use or disclose the personal information we collect for one or more of the following business purposes:
- Debt collection.
- To fulfill or meet the reason for which the information is provided. For example, if you provide us with personal information in order for us to process a payment, we will use that information to process said payment.
- To provide you with information or services that you request from us.
- To provide you with email alerts and other notices concerning our services.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and us, including for collections.
- To carry out our obligations and enforce our rights arising from any contracts entered into between you and our clients, including for collections.
- To improve our website and present its contents to you.
- For testing, research, analysis and service development.
- As necessary or appropriate to protect the rights, property or safety of us, our clients or others.
- To respond to law enforcement requests and as required by applicable law, court order, or governmental regulations.
- As described to you when collecting your personal information or as otherwise set forth in the CCPA.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
G. Categories of Personal Information Sold
The CCPA provides for the right to opt out of the sale of personal information. However, RSIEH does not and will not sell, share, rent or trade your personal information to any third parties for their commercial purposes.
H. Categories of Personal Information Disclosed
We engage certain trusted third parties to perform functions and provide services to us for a business purpose. We may share your personal information with these third parties, but only to the extent necessary to perform these functions and provide such services. We also require these third parties to maintain the privacy and security of the Personal Information they process on our behalf.
In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose:
- Personal identifying information
- Characteristic information
- Retail information
- Professional or employment related information
I. Categories of Third Parties
We disclose personal information for business purposes to the following categories of third parties:
- Service providers.
- Third parties to whom you or your agents authorize us to disclose your personal information in connection with products or services we provide to you.
J. Changes to Our Privacy Notice
This Notice was last updated on 12-31-19. We reserve the right to amend this Notice at our discretion and at any time. When we make changes to this Notice, we will notify you by email or through a notice on our website homepage.
This communication is from a debt collector.