Privacy Policy

1. Who we are

Payment Recovery Group, Inc. ("PRG," "we," "us") is a Texas corporation engaged in the recovery of returned instruments, receivables, and employee obligations on behalf of creditors, employers, and servicers.

Texas Debt Collector Registration No. 20260132
Surety Bond No. 101101489

Mailing address: 220 Opportunity Blvd, Suite 350, San Marcos, TX 78666
Registered office: 11107 E Highway 90, Kingsbury, TX 78638
Telephone: +1 (877) 789-2774

2. Scope of this policy

This policy describes how we handle personal information in two distinct contexts, which are governed differently:

Website visitors. People who browse paymentrecoverygroup.com. Section 11 covers this.

Consumers whose accounts we service. People whose obligations have been placed with us by a client. Most of this policy concerns this category.

We also process information about our clients' employees who use our systems. That relationship is governed by the agreement between PRG and the client, not by this policy.

3. Information we collect

From our clients. When a client places an account with us, we receive information necessary to identify and contact the consumer and to establish the obligation. This typically includes name, address, telephone number, email address, account or reference number, the amount and nature of the obligation, the date it arose, payment history, and — for returned instruments — the item itself and the associated bank return information.

From consumers directly. When a consumer contacts us by telephone, chat, mail, or through a payment page, we collect what that consumer provides, including any updated contact information, statements about the account, and payment information.

From third parties. To locate consumers and verify identity, we obtain information from consumer reporting agencies, public records, and commercial data sources. This may include current address and telephone information, identity verification data, employment information, and property records. We obtain this information only where a permissible purpose exists under applicable law, including the collection of an account.

Automatically, from our systems. Records of communications with us, including call recordings, chat transcripts, correspondence, and the dates and outcomes of contact attempts.

4. How we use information

We use personal information to:

• identify and locate the consumer responsible for an obligation
• communicate about the obligation in the manner permitted by law
• verify identity before discussing an account
• negotiate and administer payment arrangements
• accept and process payments
• report the status of accounts to the client that placed them
• report account information to consumer reporting agencies, where the client has elected credit reporting and where reporting is permitted
• refer accounts to independent counsel where the client has authorized it
• monitor and audit our own compliance with applicable law and client policy
• maintain records required by law, by our clients, and by regulators

We do not sell personal information, and we do not use consumer information for marketing purposes.

5. How we share information

We share personal information only as follows:

With the client who placed the account. Status, payment, and outcome information, as required to service the placement.

With service providers. Payment processors, data and location service providers, communications and telephony vendors, mail and print vendors, and information technology providers. Each is bound to use the information only for the services it performs for us.

With consumer reporting agencies. Only where the client has elected credit reporting for the portfolio and reporting is permitted for the obligation.

With independent collection counsel. Where an account is referred for legal action, we provide counsel the information necessary to evaluate and pursue the matter. Counsel act independently and are responsible for their own handling of that information.

As required by law. In response to subpoenas, court orders, regulatory requests, and lawful demands from government authorities, and to establish or defend legal claims.

In connection with a corporate transaction. If PRG is involved in a merger, acquisition, or sale of assets, information may be transferred as part of that transaction, subject to this policy.

Mobile information and text-message consent will not be shared with third parties or affiliates for marketing or promotional purposes.

6. Financial privacy notice

PRG is a financial institution for purposes of the Gramm-Leach-Bliley Act. We collect nonpublic personal information as described above and disclose it only as permitted by that Act and its implementing regulations, including disclosures to service providers, to the creditor that placed the account, and as otherwise required or permitted by law.

We do not disclose nonpublic personal information to nonaffiliated third parties for their own marketing purposes.

7. Telephone calls and chat

Calls to and from PRG may be monitored or recorded for quality assurance, training, compliance auditing, and recordkeeping. Where a call is recorded, we disclose that at the outset of the call.

Interactions handled by our automated voice and chat systems are transcribed for machine review, to maintain and improve those systems. PRG personnel may also review that content.

Chat sessions are retained as part of the account record.

Our outbound communications direct consumers to contact us. We do not place artificial or prerecorded voice calls to consumers.

8. Payments

Payment card and bank account information submitted to PRG is transmitted to our payment processor and is not retained on our systems except as necessary to administer a scheduled payment arrangement the consumer has authorized. We retain a record that a payment was made, the amount, the date, and the method category — not full account credentials.

9. Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, and disclosure. Access to consumer information within PRG is limited by role. No method of transmission or storage is completely secure, and we cannot guarantee absolute security.

10. Retention

We retain account information for the period required by our agreement with the client that placed the account, by applicable law and regulation, and by our own recordkeeping obligations — including the period necessary to respond to disputes, examinations, and litigation. When retention is no longer required, we dispose of information in a manner designed to prevent unauthorized access.

11. Website visitors

Our website collects limited technical information automatically, including IP address, browser type, pages visited, and referring page. We use this to operate and improve the site and to protect it from abuse.

If you submit a form on our website, we use the information you provide to respond to your inquiry.

The website does not knowingly collect information from children under 13.

12. Your rights

Consumers whose accounts we service. You may dispute a debt, request verification, and direct us regarding communications, as provided by the Fair Debt Collection Practices Act and applicable state law. Information about how to do so is available at /consumers or by contacting us at the telephone number above.

If you believe information we have reported to a consumer reporting agency is inaccurate, you may dispute it with us directly using the contact information in Section 14, or with the reporting agency.

State privacy laws. Much of the information PRG holds is subject to the Gramm-Leach-Bliley Act and is therefore exempt from certain state privacy statutes. Where a state privacy law applies to information we hold about you, and grants you rights of access, correction, or deletion, you may exercise those rights by contacting us as described in Section 14. We will verify your identity before responding and will honor rights to the extent the law requires, subject to exceptions for information we are obligated to retain.

Texas residents. Most information PRG maintains about consumers is subject to the Gramm-Leach-Bliley Act and is exempt from the Texas Data Privacy and Security Act. For information collected through this website that is not GLBA-covered, Texas residents may request access, correction, or deletion, and may opt out of any sale or targeted advertising use. PRG does not sell personal data or use it for targeted advertising. To submit a request, contact us at privacy@paymentrecoverygroup.com. We will verify your identity before responding and will honor requests to the extent required by law, subject to exceptions for information we are obligated to retain.

13. Changes to this policy

We may update this policy. The effective date above reflects the most recent revision. Material changes will be posted on this page.

14. Contact us

Payment Recovery Group, Inc.
Attn: Privacy
220 Opportunity Blvd, Suite 350
San Marcos, TX 78666

Telephone: +1 (877) 789-2774
Email: privacy@paymentrecoverygroup.com