Office of Westhill (“Office of Westhill,” “we,” “us,” or “our”) is a debt collection agency. This Privacy Policy explains how we collect, use and disclose personal information in connection with our debt collection activities.

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This policy applies to information we collect:

• Through our website, https://www.officeofwesthill.com

• By phone (including calls and text messages/SMS)

• By email, fax, and postal mail

• Through payment portals and other methods we use to service client(s) accounts​​

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Please note: Any communication from us is an attempt to collect a debt, and any information obtained will be used for that purpose, unless otherwise stated or prohibited by law.

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Information We Collect

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We collect personal information that you voluntarily provide to us during our collection activities. This may include:

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Information You Provide Directly

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• Contact information (name, mailing address, email address, mobile and other phone numbers)

• Payment and financial information (payment card details processed through secure third-party processors, bank information when provided, payment history)

• Personal identification information (date of birth, full Social Security number or last four digits when authorized, driver’s license number or   other ID)

• Information you provide when you communicate with us (by phone, text message, email, mail, web forms, etc.), including any disputes or complaints

• Your communication preferences, including whether you have opted in or out of receiving text messages (SMS) from us

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Information We Receive from Our Clients/Creditors

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• Your name and contact details

• Account numbers, balances and payment history

• Information about the original creditor, the nature and status of the debt and any relevant documentation

 

Information We Receive from Third Parties

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Where permitted by law, we may also obtain information from:

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• Credit reporting agencies

• Data and address verification providers

• Telephone and contact enrichment services

• Public records and databases

• Other third parties who help us locate and contact you or verify information

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Technical & Website Usage Information

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When you visit our website, we may automatically collect:

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• IP address and general location information

• Browser type, device identifiers and operating system

• Pages visited, time and date of visit and referring websites

 

We may use cookies or similar technologies to improve and secure our website experience.

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How We Use Your Information

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We use personal information primarily in connection with debt collection activities including to:

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• Verify your identity and locate you

• Collect or attempt to collect the debt owed on behalf of our client(s)

• Communicate with you about your account including payment options, reminders and account status

• Process payments and maintain payment records

• Record and monitor communications (where permitted by law) for quality assurance, training and compliance

• Respond to your inquiries, disputes, complaints or requests

• Comply with applicable laws, regulations and legal processes (including the Fair Debt Collection Practices Act and similar state laws where applicable)

• Prevent fraud, security incidents and misuse of our systems

• Improve our internal processes, systems and compliance controls

 

We may communicate with you using the methods you or our client(s) have authorized, which may include phone calls, mail, email or text messages if you have opted in to receive text messages (SMS).​

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Disclosure of Your Information

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We may disclose personal information, as permitted by law, to:

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• Our clients/creditors in connection with their accounts placed with us for collection

• Credit reporting agencies where allowed to report or update the status of your account

• Service providers and vendors who perform services for us (such as payment processors, mailing and communication vendors, skip-trace vendors, IT and security providers). These parties are required to use the information only to perform services for us

• Attorneys, courts, law enforcement, or government agencies when we believe disclosure is required or appropriate to comply with the law or a legal process, or to protect our rights, privacy, safety, property or that of our client(s) or others

• Other third parties as necessary in connection with a merger, acquisition, sale of assets or similar business transactions to the extent allowed by law

 

Use and Sharing of Mobile Opt-In Data

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Mobile phone numbers and SMS opt-in information collected for our text messaging program are used only to send you account-related messages (such as payment reminders, account updates, verification messages and other related notifications).

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We do not sell, share or disclose your mobile number or SMS opt-in data to third parties or affiliates for their own marketing or promotional purposes. We may share this information only with service providers who help us deliver text messages. They are not permitted to use it for any other purpose.

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WE DO NOT SELL YOUR PERSONAL INFORMATION FOR MARKETING PURPOSES.

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Your Choices and Rights

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You have certain choices regarding your information, including the ability to:

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• Review and update your contact details or other key information by contacting us

• Request corrections if you believe any information we hold is inaccurate

• Adjust your communication preferences, including opting in or out of SMS as described above

 

Depending on your state of residence, you may have additional privacy rights under applicable law. If you believe a specific state privacy law applies to you and wish to exercise any rights under that law, please contact us using the information below and state your residence and the nature of your request.

 

Data Security

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We use reasonable physical, technical, and administrative safeguards designed to protect your personal information, including:

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• Restricted physical and system access

• Firewalls and other network protections

• Secure payment processing by vetted third-party processors

• Employee training on privacy and security obligations

 

However, no system or method of transmission or storage is completely secure. We cannot guarantee absolute security of your information.

 

Data Retention

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We retain personal information for as long as necessary to:

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• Fulfill the purposes described in this Privacy Policy

• Comply with our contractual obligations

• Meet legal, regulatory, accounting, or reporting requirements

 

When information is no longer needed, we will delete or deidentify it, subject to applicable law and our record retention policies.

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Children’s Privacy

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Our services and website are not directed to children under 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected such information, we will take reasonable steps to delete it.

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Changes to This Privacy Policy

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We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements or other factors. When we make material changes, we will:

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• Post the updated Privacy Policy with a new “Last Updated” date

• Use additional methods of notice if required by law (which may include email, mail, or website notices)

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Your continued interaction with us after any update signifies your acknowledgment of the revised Privacy Policy.

 

Contact Us

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If you have any questions, concerns or requests regarding this Privacy Policy or our handling of your information, please contact us:

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Office of Westhill

2815 S Parker Rd, Suite 310

Aurora, CO 80014

Email: info@westhillexchangellc.com

Phone: (888) 243-0014​