Abrahamsen Gindin LLP (“AG Law,” “we,” “us,” or “our”) provides this Privacy Policy for assurance on how information is collected, used, shared, and retained. This Privacy Policy applies to information collected when you visit our website, www.creditiowa.com (“Website”), or purchase and/or use our services (“Services”) through the Website. By visiting our Website or purchasing and/or using our Services, you are agreeing to the terms of this Privacy Policy.
Personally Identifiable Information
Personally Identifiable Information (PII) may be released only on a Minimum Necessary basis and only to those individuals who are authorized to use such information as part of their official duties, subject to the following requirements:
- The PII released must be narrowly tailored to a specific business requirement of debit card payment processing and other business purposes;
- The information must be kept secure and used only for the specific AG Law business purposes for which authorization was obtained; and
- The PII may not be further disclosed or provided to others without proper authorization as defined above.
PII may be handled by third parties with the strict requirement that the information be kept secure and used only for a specific official authorized business purpose as defined in a Third Party Vendor Agreement with that third party.
PII is any data that could potentially identify a specific individual. Any information that can be used to distinguish one person from another and can be used for de-anonymizing anonymous data can be considered PII..
Information that has been collected that conforms to the HIPAA standards of de-identification or anonymization is not PII.
AG Law collects PII from the following categories; Name, Address, Phone Number, Email and last four of social security number. AG Law does not share PII collected via its website with third parties. Consumers can review and request changes to their PII as collected by AG Law by calling the consumer contact phone numbers or email address listed.
AG Law collects the following information:
Contact Information: AG Law collects contact information on our Website from visitors and our clients who wish to obtain information or support, or to purchase and/or use our Services. Contact information is provided via browser forms or online order form submissions, and includes first name, last name, e-mail address, job title, name of the organization, country, state/region, and phone numbers (fax, cell and/or landline), technical requirements, and other information necessary for us to accurately reply. This contact information may be used by our sales, marketing, client services, new business, administrative support, and operations teams to contact our Website visitors and clients as appropriate to provide requested inquiry information.
Debtor Information: AG Law receives from our clients and/or debtors (i.e., consumers who owe our clients a monetary balance), information regarding the debtor that is necessary in order to collect such debts on our client’s behalf, including but not limited to: the supplier of information, date and amount of the debt, any liens and other pertinent documentation regarding the debt, physical address and contact information for the debtor and the debtor’s attorney, banking and other financial information regarding the debtor. We will collect all information regarding the debtor in accordance with applicable laws. AG Law uses the debtor information to provide our Services.
Billing Information: AG Law collects billing and payment information which may include a purchase order number, an account number, or instructions for wire transfers and/or ACH transfers (online and offline). We also use third-party credit card processors that collect, process and store credit card numbers, expiration dates, security codes and related information through their own websites and subject to their own privacy policies. The foregoing information is used to prepare and send invoices, remit and receive payments, and manage accounts.
Data Analytics: AG Law relies on automatic data collection technology when you visit our Website or purchase and/or use Services online, as do most companies. These third-party analytics services may use tracking technologies, including but not limited to: cookies to collect information on our behalf, for example, your IP address, Internet service provider, browser type, operating system and language, referring and exit pages and URLs, date and time, amount of time spent on particular pages, which sections of the Website you visit, number of links you click while on the Website, search terms, and other usage data. The usage information gathered is only used to operate our Website and improve the user experience. By accessing and using the Website and/or the Services, you consent to the processing of data about you by such third-party analytics services in the manner and for the purposes set out in this Privacy Policy. Please be advised that if you opt out of any service, you may not be able to use the full functionality of the Website.
Cookies: Cookies are small packets of data that a Website stores on a computer’s hard drive so that the computer will “remember” information about visits to our Website and other websites as described under “Data Analytics,” above. If you do not want any third party to place a cookie on your hard drive, you may be able to turn that feature off on your device. Please consult your internet browser’s documentation. However, if you decide not to accept cookies, the Website may not function properly.
Aggregate Data: In an ongoing effort to better understand our users and the Website, AG Law may analyze your information in aggregate form to operate, maintain, manage, and improve the Website. This aggregate information does not identify you personally. We may share this aggregate data with our affiliates, agents, and business partners. We may also disclose aggregated user statistics to describe our Services and the Website to current and prospective business partners and to other third parties for lawful purposes.
Operations: AG Law collects Website health diagnostics, and technical logging information.
Additional Uses: AG Law uses contact information and other information collected pursuant to this Privacy Policy to respond to general inquiries, provide relevant content on our Website, including advertisements regarding AG Law, solicit feedback regarding our Services and support, and to communicate with you via email regarding our current and future Services.
Disclosure to Public Authorities: AG Law is required to disclose personal information in response to lawful requests by public authorities, including for the purpose of meeting national security or law enforcement requirements. We may also disclose personal information to other third parties when compelled to do so by government authorities or required by law or regulation including, but not limited to: response to court orders and subpoenas.
Opt-Out for Direct Marketing, Email Management: You may opt out at any time from the use of your personal information for direct marketing purposes, and/or the transfer of your personal information to third parties for direct marketing purposes. You may also manage your receipt of marketing and non-transactional communications by clicking on the “Manage Email Preferences” or “unsubscribe” links located on the bottom of any AG Law marketing email and following the instructions found on the page to which the link takes you. You cannot opt out of receiving transactional e-mails related to your account or purchase orders.
Business Transfers: In the event of a merger, dissolution or similar corporate event, or the sale of all or substantially all of AG Law assets, we expect that the information that we have collected, including personal information, would be transferred to the surviving entity in a merger or the acquiring entity. All such transfers shall be subject to our commitments with respect to the privacy and confidentiality of such personal information as set forth in this Privacy Policy.
Retention of Personal Information: We will retain your personal information in a form that identifies you only for as long as it serves the purpose(s) for which it was initially collected as stated in this Privacy Policy, subsequently authorized, or as permitted under applicable law.
How We Protect Your Information: AG Law takes very seriously the security and privacy of the personal information that it collects pursuant to this Privacy Policy. Accordingly, we will implement reasonable and appropriate security measures to protect your personal information from loss, misuse and unauthorized access, disclosure, alteration, and destruction, considering the risks involved in processing and the nature of such data, and comply with applicable laws and regulations.
Children: We do not knowingly collect any personal information from children under the age of 13 through the Website. If you are under 13, please do not provide us with any personal information. We encourage parents and legal guardians to monitor their children’s internet usage and to help enforce our Privacy Policy by instructing their children never to provide personal information to us without their permission. If you have reason to believe that a child under the age of 13 has provided personal information to us, please contact us immediately please contact us using the contact information shown on our Website. We will make every effort to delete that information from our databases.
Links to External Websites: The Website may contain links to third-party websites including social media websites with content regarding AG Law, such as YouTube, Twitter, Instagram, and LinkedIn (collectively, the “External Websites”). AG Law has no control over the privacy practices of these External Websites. As such, we are not responsible for the privacy policies of those External Websites. You should check the applicable third-party Privacy Policy and terms of use when visiting any External Websites, and before providing any personal information to such External Websites.
California Privacy Rights: Pursuant to Section 1798.83 of the California Civil Code, residents of California have the right to obtain certain information about the types of personal information that companies with whom they have an established business relationship (and that are not otherwise exempt) have shared with third parties for direct marketing purposes during the preceding calendar year, including the names and addresses of those third parties, and examples of the types of services or products marketed by those third parties.
For more information, you may refer to: https://leginfo.legislature.ca.gov/
E-Sign: This E-sign notice asks for your consent in order for AG Law to provide you with communications and records in electronic form rant than in paper form. If you have any questions about receiving information in electronic form, please feel free to contact us at 800-811-3464. You can elect to withdraw your consent to receive electronic communications at any time by contacting us at 800-811-3464 during our business hours. You are not charged a fee to withdraw your consent. The legal validity and enforceability of prior electronic transactions and services will not be affected if you withdraw your consent. Certain hardware and software are required for you to be able to access or retain the above-stated electronic records. Your device must have:
- An active email address
- An Internet Service Provider selected by you
- An internet browser, such as Internet Explorer or Google Chrome (cookies and JavaScript must be enabled)
- A computer/tablet/mobile device with an operating system capable of supporting Adobe Acrobat Reader (for a free copy of Adobe Reader, go to www.adobe.com)
- A personal computer/tablet/mobile device, operating system, and telecommunications connections to the internet capable of receiving, accessing, displaying, and either printing or storing, communications received in electronic form from us.
You are responsible for configuring your device to accommodate the above requirements and keeping your e-mail address current with us. To notify us of a change in your email address, please contact us at (800) 383-0234. By providing your information on the following pages, you acknowledge you have received these disclosures and consent to receive additional electronic communications. You may also request a paper copy of these disclosures by contacting our office.
Changes to This Privacy Policy: This Privacy Policy is effective as of the date stated at the top of this policy. AG Law may change this Privacy Policy as needed and required by law. AG Law will post any changes on the Website within a reasonable time. By accessing the Website after we make any such changes to this Privacy Policy, you are deemed to have accepted such changes. Please refer to this Privacy Policy on a regular basis.
How to Contact Us: If you have questions about this Privacy Policy, please contact AG Law using the contact information shown on our Website (www. ag-lawllc.com).
800-811-3464
[email protected]
Abrahamsen Gindin LLC
245 Main Street, Suite 100
Dickson City, PA 18519