Privacy Policy
Privacy Policy Overview
This Privacy Policy discloses the privacy practices of Receivable Management Services LLC (“RMS”, “us,” or “we”). We are committed to protecting and respecting your privacy. We maintain a compliance management system that directs and monitors policies and procedures and employees’ debt collection activities to ensure conformance with all applicable rules and regulations. In addition, RMS has developed policies and procedures to assist its employees in performing business operations. We believe that making you aware of how we collect and use your non-public personal information (Personal Information), and to whom it is disclosed will form the basis for a relationship of trust between the public and us. This Privacy Policy provides that explanation. RMS’ website is located at https://www.rmscustomersupport.com ("website") and is not intended for individuals less than the age of eighteen. RMS 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. RMS will not disclose any information to third parties that is otherwise prohibited by the FDCPA.
Data Controller
RMS is the data controller and responsible for your personal data.
Questions, comments, and complaints about RMS’ data practices can be submitted to:
P.O. Box 19646 Minneapolis, MN 55419
Toll-free Telephone Number: (888) 807-2576
E-Mail: help@rmscustomersupport.com
Information We Collect
We may have collected the following categories of personal information from consumers within the last 12 months:
Categories of Personal Information and Examples of Specific Types of Personal Information 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.
B. Personal Information categories listed in California Customer Records Statute (Cal. Civ. Code §1798.80(e))
A name, Social Security number, address, telephone number, insurance policy number, education, employment, employment history, 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.
C. Commercial information
Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.
D. Sensory data
Audio, electronic, visual, or similar information.
E. Professional or employment-related information
Current or past job history.
F. Non-public education information
Education records directly related to a student maintained by an educational institution or party acting on its behalf, such as grades, transcripts, class lists, student schedules, student identification codes, student financial information, or student disciplinary records.
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 social 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, location vendors, 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.
How We Share Your Information
RMS may share personally identifiable information it collects with its employees who need to know that information to service your account. Except as provided below, RMS does not share or disclose any personally identifiable information to any company or marketing group external to RMS. RMS may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.
Further, RMS may disclose personally identifiable information (i) to another entity with which RMS 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, RMS, where appropriate, (iii) to a third party if determined by RMS in its sole judgment that such disclosure is appropriate to protect the life, health, or property of RMS 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 RMS.
Except as necessary for RMS to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraphs, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to RMS through or from its website, prospectively retained by RMS, used by RMS for secondary purposes, or disclosed by RMS to third parties. E-mail posted or sent to RMS may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we cannot 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.
Sharing your information with Consumer Reporting Agencies
Consumer Reporting Agencies (CRAs) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account. Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:
Consider applications for credit and credit related services;
Locate debtors and recover debts; and
Manage your accounts.
RMS may furnish account information to Experian, Equifax, and Trans Union. You have a right to obtain an annual copy of your credit file from CRAs by visiting https://www.annualcreditreport.com.
Your Choices
RMS offers you certain choices in connection with the personal data it collects from you, including:
Your RMS Account: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the website, or by calling our office.
Your Choice to Decline Cookies: You may adjust your browser settings to decline cookies if you do not want to accept RMS’ cookies. However, declining cookies may affect proper operation of RMS’ website.
Your Payments: You can elect not to utilize the payment portal of RMS’ website and not to make payments via credit card or check. If you have any questions regarding any of these choices, please contact RMS.
Our Contact Address is:
P.O. Box 19646 Minneapolis, MN 55419
Toll-free Telephone Number: (888) 807-2576
E-Mail: help@rmscustomersupport.com
How Long We Keep Your Information
RMS will retain your personal data until we determine the information is no longer needed, or as otherwise required by law.
How We Protect Information
RMS has implemented physical, electronic, and procedural 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 RMS via the website or via e-mail 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.
We will collect the IP Address of all visitors to the RMS website for internal security and other proprietary purposes. 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 RMS 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 request deletion of personal information – You have the right to request that we delete your personal information, however, state and federal law may prohibit us from deleting personal information, which RMS 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 RMS by doing one of the following:
Submit online to: help@rmscustomersupport.com;
By mailing a request to: Receivable Management Services, LLC, P.O. Box 19646, Minneapolis, MN 55419;
Toll-free Telephone Number: (888) 807-2576;
Interactive web form located at https://www.rmscustomersupport.com/ccpa-request-form
If you choose to contact us directly by email, phone, or 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 or passport 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.
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
RMS 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: [02/06/2020]
If you have questions about our Privacy Statement, please call us at (888) 807-2576 or click here to email us.