Our Privacy Notice
MRS’ website is located at www.mrsbpo.com (its "website") is not intended for individuals less than the age of eighteen and MRS does not knowingly collect data relating to individuals less than the age of eighteen.
Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act. MRS will not disclose any information to third parties that is otherwise prohibited by the FDCPA.
MRS BPO, LLC is the data controller and responsible for your personal data.
Questions, comments, and complaints about MRS’s data practices can be submitted to MRS’s Data Protection Officer (“DPO”) at:
MRS BPO, LLC.
1930 Olney Ave.
Cherry Hill, NJ 08003
888.334.5677 or [email protected]
Information We Collect
We may have collected the following categories of personal information from consumers within the last 12 months:
|Categories of Personal Information||Examples of Specific Types of Personal Information Collected||Collected|
|A. Identifiers||A real name, alias, postal address, email address, telephone numbers, Internet Protocol address, account number, Social Security number, date of birth, or other similar identifiers.||Yes|
|B. Personal Information categories listed in California Customer Records Statute (Cal. Civ. Code §1798.80(e))||A name, signature, Social Security number, physical characteristics or description, address, telephone number, driver's license, employment, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.||Yes|
|C. Protected classification characteristics under California or Federal law||Marital status, medical condition, veteran or military status.||Yes|
|D. Commercial information||Records of personal property, products or services purchased or obtained.||Yes|
|E. Internet or other electronic network activity information||Browsing history, search history, and information regarding a consumer’s interaction with an Internet Web site, application, or advertisement.||Yes|
|F. Geolocation data||Physical location.||Yes|
|G. Sensory data||Audio||Yes|
|H. Professional or employment-related information||Current or past job history.||Yes|
|I. Inferences drawn from any of the information identified above||Profile reflecting a consumer’s preferences or characteristics||Yes|
How We Use Your Information
Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We will collect the minimum amount of data necessary to collect a debt.
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. We do not sell and will not sell your personal information.
How We Collect Your Information
We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public media/network pages, or other information available online. However, we may also collect information:
- From publicly accessible sources (e.g., property records or court records);
- From your transactions with us;
- From our service providers (e.g., letter vendor, payment processing vendors, call analytics vendor, and/or electronic signature service provider);
- Directly from a third party (e.g., third parties contacted during location activities pursuant to 15 U.S.C. §1692b, such as your friends, neighbors, relatives, and/or employer);
- Consumer reporting agencies (CRAs)
- From a third party with your consent (e.g., your authorized representative and/or attorney); and
- From activity on our website.
A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.
We use traffic log cookies to identify which pages are being used. This helps us analyze data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you are uncomfortable with the idea of your information being used in this way, most computer systems and web browsers offer privacy settings and options, such as disabling cookies or opting for “Do Not Track” features. MRS does not override these settings (except for ignoring “Do Not Track” requests) or options and encourages you to use them to enhance your choices and personalize your experiences. However, this may prevent you from obtaining certain content, features, services, products or benefits of the website.
How We Share Your Information
MRS may share personally identifiable information it collects with its employees who need to know that information to provide services to you. Except as provided below, MRS does not share or disclose any personally identifiable information to any company or marketing group external to MRS. MRS may, however, share aggregate information with other persons or entities for purposes determined by MRS to be appropriate under the law. For example, MRS may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.
Further, MRS may disclose personally identifiable information (i) to another entity with which MRS enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, MRS, where appropriate, (iii) to a third party if determined by MRS in its sole judgment that such disclosure is appropriate to protect the life, health, or property of MRS or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law The foregoing is not intended to obviate or displace any legal obligations or duties applicable to MRS.
E-mail posted or sent to MRS may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we can not verify your identity, we may be unable to respond to e-mail requests concerning accounts placed for collection unless you have requested or authorized us to do so.
MRS offers you certain choices in connection with the personal data it collects from you, including:
Your MRS Account: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the website.
Your Choice to Decline Cookies: You may adjust your browser settings to decline cookies if you do not want to accept MRS' cookies. However, declining cookies may affect proper operation of MRS' website.
Your Payments: You can elect not to utilize the payment portal of MRS' website and not to make payments via credit card or check.
If you have any questions regarding any of these choices, please contact MRS.
Our Contact Address is:
MRS BPO, LLC.
1930 Olney Ave.
Cherry Hill, NJ 08003
888.334.5677 or [email protected]
How Long We Keep Your Information
MRS will retain your personal data for seven years, or as otherwise required by law. MRS thereafter deletes or anonymizes such information in accordance with applicable laws.
How We Protect Information
MRS has implemented physical, technical and administrative security safeguards to protect against the unauthorized release of or access to personal information. We employ internal and external system safeguards designed to protect confidentiality and security of personal information.
The confidentiality of any communication or material transmitted to or from MRS via the website, via e-mail or SMS cannot be, and is not, guaranteed. You acknowledge that the technical processing and transmission of the website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting networks or devices. Accordingly, MRS is not responsible for the security of information transmitted or received via the Internet or personal communication devices (such as a smart phone).
We will collect the IP Address of all visitors to the MRS website for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate team nor utilize the data other than for internal purposes.
If any questions arise about security, please contact MRS using the information provided above.
California Residents - Your Legal Rights
- The right to access personal information – You have the right to request access to your personal information that we collected about you, subject to certain exceptions.
- The right to delete personal information –You have the right to request that we delete your personal information, however, state and federal law or our clients may prohibit us from deleting personal information, which MRS or its clients will disclose to you.
- The right to non-discrimination - We will not discriminate against you if you exercise any of these rights.
- The right to an authorized agent – You can designate an authorized agent to make any of these requests by providing your express written authorization. We must be able to verify your identity and the authorization must include the authorized agent’s name, address, telephone number, and email address (for providing the personal information collected or to respond to a request for deletion). If you wish to exercise any of these rights, please contact MRS by doing one of the following:
- Submit online to [email protected]
- By mailing a request to: MRS BPO, LLC, 1930 Olney Ave., Cherry Hill, NJ 08003;
- Calling us at 888.334.5677
- Interactive webform on our website at www.mrsbpo.com
If you choose to contact directly by [email/phone/in writing], you will need to provide us with:
- Enough information to identify you [e.g., your full name, address and customer or matter reference number];
- Proof of your identity and address (e.g., a copy of your driving license and a recent utility or credit card bill); and
- Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.
We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf. MRS is not responsible for the security or confidentiality of any information once it has been provided to you.
Links to Other Websites
Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.
Privacy Notice Changes
MRS may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.
Last Updated: [1/1/2020]