Introduction

RS MANAGEMENT has prepared this privacy policy to inform you of its practices regarding the collection, use and disclosure of personal information about identifiable individuals. We take measures to safeguard the privacy and confidentiality of personal and confidential information. Adherence to strict confidentiality and privacy guidelines as outlined in the Fair Debt Collection Practices Act (FDCPA), the Federal Information Security Management Act (FISMA), the Fair Credit Reporting Act (FCRA) and the various state regulations is the cornerstone of our commitment to protecting the privacy of our employees, clients and their customers.

Scope

This policy applies to the operations of RS MANAGEMENT and its subsidiaries across the U.S. and across all business units. [1]

Personal information means any information, recorded in any form, about an identifiable individual. Personal information does not include anonymous or aggregated information. Anonymous or aggregated information is information that cannot be associated with or traced back to an identifiable individual.

Consent

Except where permitted or required by law, RS MANAGEMENT will endeavor to obtain the consent of each individual and/or company providing personal information to RS MANAGEMENT for the collection, use or disclosure of such personal information by RS MANAGEMENT.

Corporate responsibility

RS MANAGEMENT is a privately-owned and operated collection agency specializing in providing its clients with various debt collection services. RS MANAGEMENT’s clients include major financial institutions, retailers, telecommunications companies, utilities and other companies that are in the practice of granting credit to their customers.

Therefore, RS MANAGEMENT owes a duty of care to its clients and, by extension, to our clients’ customers. The information to which RS MANAGEMENT is granted access by its clients is of a highly confidential nature, as is the information that is acquired during the conduct of its business activities. For these reasons, RS MANAGEMENT has developed and applied specific privacy and confidentiality policies in order to manage and safeguard this information.

Our employees’ responsibilities

Each of our employees is responsible for maintaining the confidentiality of all personal information to which he/she is granted access. When they join RS MANAGEMENT, employees are informed of their responsibilities with regard to privacy and required to sign a confidentiality agreement binding them to these responsibilities. In addition, all employees are required to review and confirm their understanding of the Fair Debt Collection Practices Act (FDCPA), the Federal Information Security Management Act (FISMA), the Fair Credit Reporting Act (FCRA), applicable state regulations and other regulatory guidelines.

RS MANAGEMENT continually coaches and trains our employees with respect to ongoing compliance and developing issues in the realm of privacy and confidentiality. As a condition of employment, RS MANAGEMENT employees are required to conform to these policies and procedures.

Privacy principles regarding the collection, use and disclosure activities of RS MANAGEMENT

• gains access, through its clients, to sensitive information, which is required for RS MANAGEMENT to provide debt collection services to its clients;
• limits the amount and type of personal information it collects. RS MANAGEMENT will only collect the information required for its business operations
• will use information only for the reasons it was collected and will not willfully disclose this information to third parties unless duly authorized to do so or as required by law;
• will store all information in its care in a secured fashion, whether electronically or on paper. RS MANAGEMENT will restrict access to those employees who specifically and lawfully require the information for the purpose of performing their duties;
• will maintain personal information for as long as RS MANAGEMENT believes it is necessary to fulfil the purpose for which it was collected and as required by applicable laws. RS MANAGEMENT will proceed to securely dispose of any information that is no longer of value to RS MANAGEMENT in the completion of its business activities;
• will take all reasonable steps so that client/customer information is accurately maintained, complete and up to date as is necessary to fulfil the purposes for which this information is to be used;
• will take reasonable measures to protect client/customer information by means of appropriate security safeguards as required by the sensitivity level of the information maintained;
• will not sell any client/customer information;
• will be receptive and open to client concerns regarding our policies and procedures that apply to the management of the client/customer information;
• customers may, upon written request, have access to their personal information maintained by RS MANAGEMENT. The written request must contain sufficient detail to enable RS MANAGEMENT, with reasonable effort, to identify the information for which the written request is made;
• customers may challenge RS MANAGEMENT's compliance with the privacy policy. At the written request of the customer, we will undertake to investigate and respond in writing to any customer complaint.

In summary

RS MANAGEMENT considers privacy and the protection of confidential information to be a cornerstone of its business practices. RS MANAGEMENT will continue to develop, review and monitor its policies and procedures to ensure compliance with all applicable legislation, customer requirements and general common sense, and commits to treating the individuals whose information has been entrusted to RS MANAGEMENT with care and dignity.

[1] Any reference to RS MANAGEMENT is to include all business units and subsidiary operations. Any reference to customers means RS MANAGEMENT’s customers and/or our clients’ customers.

For further information about our Privacy Policy and Practices, click here.

RS MANAGEMENT privacy policy and practices

FACTS

WHAT DOES RS MANAGEMENT DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• account balances and assets
• credit history and employment information

When you no longer have an account with our Company, we may continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons RS MANAGEMENT chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does RS MANAGEMENT share?	Can you limit this sharing?
For our everyday business purposes such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus	Yes	No
For our marketing purposes to offer our products and services to you	No	No
For joint marketing with other financial companies	No
For our affiliates everyday business purposes information about your transactions and experiences	No	We don't share
For our affiliates everyday business purposes information about your transactions and experiences	No	We don't share
For our affiliates everyday business purposes information about your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share





Who we are
Who is providing this notice?	RS MANAGEMENT Collection& Recovery Services.
What we do
How does RS MANAGEMENT protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does RS MANAGEMENT collect my personal information?	We collect your personal information, for example, when you pay us by check or give us your income information provide employment information or account information give us your contact information We also collect your personal information from others, such as credit bureaus, [affiliates,] or other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit only sharing for affiliates' everyday business purposes-information about your creditworthiness affiliates from using your information to market to you sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.





Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates are listed above.
Nonaffiliate	Companies not related by common ownership or control. They can be financial and nonfinancial companies. RS MANAGEMENT does not share with nonaffiliates so they can market to you
Join marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. RS MANAGEMENT doesn’t jointly market.





Other important Information

California: Under California law, we will not share information we collect about you, unless the law allows. For example, we may share information to administer a transaction authorized by you or in connection with servicing or processing a financial product or service requested by you.