This Privacy Notice describes the privacy practices of SPP Inc. and our affiliates (collectively, “SPP”, “we”, “us”, or “our”). SPP is giving you this notice to tell you how we may use non-public Personal Information about you and your account (“Personal Information”) and the rights available to individuals with respect to their information. This notice applies whether you are a current or a former customer of SPP.
COLLECTION AND USE OF PRIVATE INFORMATION
We collect Private Information about you from the following sources:
- Information we receive from you either directly or indirectly, such as information on applications or other forms, which may include your name, address, social security number and income.
- Information about your transactions with us or others, such as your account balance and payment history.
- Information we receive from consumer reporting agencies, such as your credit history and credit worthiness.
DISCLOSURE OF PRIVATE INFORMATION
We only disclose information we collect to affiliated and non-affiliated third parties as permitted by the federal Fair Debt Collection Practices Act. We may disclose information we collect to:
- Credit bureaus
- The original creditor and entities that have had an ownership interest in your account
- Entities that provide mailing services on our behalf
- Entities that provide collection-related services on our behalf
- Others, such as third parties, when you direct us to share information about you
- Affiliated and non-affiliated parties if not prohibited by the federal Fair Debt Collection Practices Act or by other applicable laws
MAINTENANCE OF ACCURATE INFORMATION
We have established procedures to correct inaccurate information in a timely manner. If you have any reason to believe that our record of your Private Information is incorrect, contact us in writing at 3780 Old Norcross Rd Suite 103-206 Duluth GA 30096. We will investigate the situation and, when appropriate, update our records accordingly.
PROTECTION OF INFORMATION
We restrict access to Private Information about you to our employees who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that are consistent with federal standards to guard your Private Information.
IMPORTANT INFORMATION FOR CALIFORNIA CUSTOMERS
This information is in addition to the Privacy Notice provided above.
This section applies only to California residents and is effective as of January 1, 2020. For purposes of this section, “Personal Information” has the meaning given in the California Consumer Privacy Act of 2018 (“CCPA”) but does not include information exempted from the scope of the CCPA.
Personal Information that we collect, use and share.
We have created a table below which summarizes how we collect and share Personal Information by reference to the categories specified in the CCPA, and describes how we have collected and shared Personal Information during the preceding 12 months. This Personal Information was collected for the business purpose of servicing accounts and collecting debts:
| THE FOLLOWING ARE THE CATEGORIES OF PERSONAL INFORMATION WE COLLECT AND MAINTAIN AS SPECIFIED IN THE CCPA: | THE FOLLOWING ARE THE SOURCES WE COLLECT PERSONAL INFORMATION FROM: | THE FOLLOWING ARE THE CATEGORIES OF THIRD PARTIES WITH WHOM WE SHARE PERSONAL INFORMATION: |
|---|---|---|
| Identifiers (such as name; Address; Social Security number; online identifiers; email address; and other similar identifiers) | Consumers; consumer transactions consumer reporting agencies; attorneys; authorized agents; entities that provide collection services on our behalf; and the original creditor and entities that have an ownership interest in the account | Credit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide mailing services to us; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Act or by other applicable laws |
| Audio (such as call recordings and other similar information) | Consumers; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account. | Original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws |
| Financial Information (such as bank account information; debit card information; credit card information; and other similar financial information) | Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account. | Credit reporting agencies; the original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws. |
| Commercial Information (such as records of property, products or services purchased or other similar information) | Consumers; consumer transactions; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account. | The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws. |
| Internet or other Electronic Network Activity Information (such as information regarding your interaction with our websites and other similar information) | Consumers; consumer transactions; attorneys; authorized agents; and the original creditor and entities that have had an ownership interest in the account. | The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws. |
| Professional or Employment Information (such as employment information or other similar information) | Consumers; consumer reporting agencies; attorneys; authorized agents; entities that provide collection related services on our behalf; and the original creditor and entities that have had an ownership interest in the account. | The original creditor and entities that have had an ownership interest in the account; entities that provide collection related services on our behalf; others, such as third parties, when you direct us to share information about you; and affiliated and non-affiliated parties if not prohibited by the Fair Debt Collection Practices Ac t or by other applicable laws |
We have not sold any Personal Information to third parties for the preceding 12 months.
In the preceding 12 months, we have disclosed the following categories of Personal Information to third parties for a business purpose:
- Identifiers
- Audio
- Financial Information
- Commercial Information
- Internet or Other Electronic Network Activity Information
- Professional or Employment Information
Right to Know About Personal Information Collected, Disclosed, or Sold
California Consumers have a right to request that we disclose what Personal Information we collect, use, disclose or sell. Note: We do not and will not sell consumers’ Personal Information. To submit a request for this information, you may:
- Call us at 1-800-828-1383; or
- Write us at 3780 Old Norcross Rd Suite 103-206 Duluth GA 30096; or
- Write us at support@sppinc.co.
After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your Personal Information we maintain. We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.
Right to Request Deletion of Personal Information
California Consumers have a right to request the deletion of Personal Information that we have collected from them and maintain. To submit a request for deletion of this information, you may:
- Call us at 1-800-828-1383; or
- Write us at 3780 Old Norcross Rd Suite 103-206 Duluth GA 30096; or
- Write us at support@sppinc.co.
After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your Personal Information we maintain. We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.
Right to Opt-Out of the Sale of Personal Information
The CCPA provides that California Consumers have the right to opt-out of the sale of their Personal Information. However, we do not and will not sell your Personal Information.
Right to Non-Discrimination for the Exercise of a Consumer’s Privacy Rights
California Consumers have a right not to receive discriminatory treatment for the exercise of the privacy rights conferred by the CCPA. Authorized Agent California Consumers can designate an authorized agent to make a request under the CCPA on their behalf. To do so, you must provide written authorization to your authorized agent to make the request on your behalf, and the authorized agent must provide us with that written authorization. In addition, we will need you to verify your identity with us directly and provide us authorization to speak with your authorized agent. Contact Us for More Information If you have questions or concerns about these privacy policies, or if you wish to receive this Privacy Notice in a different format, please contact SPP’s Customer Relations Department at 3780 Old Norcross Rd Suite 103-206 Duluth GA 30096. This privacy policy was last updated January 1, 2020.