Introduction
This Privacy Policy (“Policy”) explains how Encore Capital Financing, Inc., a Delaware corporation, doing business as Adesso Capital (“Adesso Capital”), 8434 E. Shea Boulevard, Suite 100, Scottsdale, AZ 85260, collects, uses, and shares information about You. This Policy applies to all individuals and businesses who access Our Site, Use Our platforms, Use Our Services, and otherwise interact with Us.
As Used in this Policy, “We” and “Our” refers to Adesso Capital; “You” and “Your” refers to the person or business using the Site and/or the Services; “Site” refers to this websites and all sub-sites and webpages as well as all web based platforms with which You communicate with us and share information and documents; and “Service” refers to the products and services that You order, receive, or access as part of Your use the Site and Our platforms, as well as Your relationship with Adesso Capital.
This Policy is in conjunction with our Terms and Conditions. It is part of the legal agreement between You and Us. By accessing the Site or applying for or seeking any Service, You consent to and are bound by this Policy and the Terms and Conditions for as long as You continue to use the Site or Services, and consent to Our collection, processing, use, and sharing of Personally Identifiable, Device, Business, and Financial information (as each is defined below) for the purposes set forth herein. If You do not agree to this Policy or the Terms, You may not access or otherwise use the Site or any Service.
We may modify this Policy at any time at our sole discretion. If we make revisions, We will revise the “Last Updated” date at the top of this webpage, and the revised version will be effective immediately when it is posted. We encourage You to review this Policy regularly to stay informed about our information practices and the choices available to You.
1. Types of Information (Definitions)
As part of Your use of the Site and the Services, the following types of information may be collected:
2. How Information is Collected
You indirectly provide Us Device Information when You use and access our Site. Device Information is collected by tracking technologies. We (and our service providers) Use tracking technologies, such as cookies and web beacons, to collect information. Cookies are small data files stored on Your hard drive or in device memory that help Us improve our Site and Your experience. There are two types of “cookies” used: session cookies, which disappear after you close your browser, and persistent cookies, which remain on Your device after closing Your browser, but some or all may be removed by further action on your device. Clear GIFs and Pixel Tags (also known as web beacons) and other technologies are also used. Clear GIFs are tiny graphics with a unique identifier, similar in function to cookies, and are embedded invisibly on web pages. Pixel Tags are a small piece of code embedded invisibly on a website to identify and track the user and user behavior. We may use both Clear GIFs and Pixel Tags in connection with our Site to, among other things, track the activities of Site visitors, help us manage content, and compile statistics about Site usage.
We receive PII, Business Information, and Financial Information directly from You when You communicate with Us and when You seek, apply for, or use any of Our Services. We receive Third Party Information when you allow or authorize those third-parties to share information with Us.
3. Use of Information
We Use the information we receive primarily to provide Services to You and personalize those Services, to communicate with You, to process Your application and determine whether or not You qualify for our Services, and to provide service to you. Federal law and the laws of some states require that we collect and verify certain information, such as certain PII, Business Information, and Financial Information.
We also use the information we receive to operate our business, the Site, and our Services, which includes: to collect to provide, maintain, and personalize our Site; to improve our Site and Services; to detect, prevent, and address technical issues; detect and prevent fraudulent transactions, monitor against theft, and protect against criminal activity; provide support and review feedback; defend our legal rights and comply with applicable law; produce and use data analytics and reports containing anonymized (de-identified) data and information; and to offer You new products, services and/or recommendations.
4. Protection of Information
We take seriously the privacy of Our clients who use our Services. We employ commercially reasonable security measures to protect the loss, misuse, and alteration of the information We collect. These measures include the use of encryption methods and administrative access to site data. We further take steps reasonably necessary to ensure that Your information is not transferred to an organization or a country unless there are adequate controls in place including the security of your data and other personal information. However, despite Your and Our efforts, no security measures are perfect or impenetrable, and no method of data transmission can be guaranteed against any interception or other type of misuse. As such, We cannot guarantee or warrant the security of any information transmitted to us over the internet and hence accept no liability for any unintentional disclosure. We also encourage You to not share your account login and/or password with any other individual. Your account login and/or password is sensitive and your sharing of your account information may lead to additional exposure to your account.
5. Sharing of Information
We do not sell Your information to third-parties. We may share PII, Business Information, and Financial Information with third-parties for Us to provide Services to You. The third-parties include our accountants and trusted partners, web-based cloud storage, payment processors, e-signature collection service, trusted vendors to obtain tax information and to prepare and file tax returns, potential lenders and business financing services, call answering and recording services, and information integration services.
We may also share information we receive or collect to detect and respond to violations of our Terms; where required to comply with the law, legal process, or lawful requests by public authorities; our lawyers and other professional advisors where necessary to obtain advice or otherwise protect and manage our business interests,
6. Privacy of Children
We do not offer any of Our Services, nor do we direct any of Our activities or Services, to any natural person under the age of 18 (“Children”). We do not knowingly collect PII from any Children, and any Children may access our Site only with the consent and involvement of a parent or guardian. If you are a parent or guardian and you are aware that your Child has provided us with PII, please contact us. If we become aware that we have collected PII from children without verification of parental consent, we take steps to remove that information from our servers.
7. Contacting Us
If you have any questions about this Privacy Policy, please contact us by email: privacy@AdessoCapital.com
8. Notice to California Residents – This Section applies only to natural persons who
reside in the State of California.
California law grants California residents certain rights and imposes restrictions on particular business practices. The California Consumer Privacy Act, as amended by the California Privacy Rights Act of 2020 (“CCPA”), defines “personal information” to mean information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular California resident or household. Personal information does not include publicly available, deidentified or aggregated information or lawfully obtained, truthful information that is a matter of public concern. For purposes of this “Notice to California Residents” Section, We refer to this information as “Personal Information.” We are not compensated for the transfer of any of Your Personal Information to any third party (including third-party ad-network providers).
We are required to notify California residents, at or before the point of collection of their Personal Information, the categories of Personal Information collected and the purposes for which such information is used:
Right to Opt Out of Sale or Sharing of Personal Information. You may submit a request to opt out of sales or sharing by emailing us at adessoprivacy@adessocapital.com.
Verifiable Requests for Copy, Deletion and Right to Know. Subject to certain exceptions, California residents have the right to make the following requests, at no charge, up to twice every 12 months:
Right of Deletion: The right to request deletion of their Personal Information that We have collected about them and to have such personal information deleted, subject to certain exemptions, including where such information is necessary complete the transaction for which the Personal Information was collected, provide a good or service requested by the customer, or reasonably anticipated within the context of a business’s ongoing business relationship with the customer, or otherwise perform a contract between a business and the customer.
Right to a Copy: The right to request a copy of the specific pieces of Personal Information that we have collected about them in the prior 12 months and to have this delivered, free of charge, either (a) by mail or (b) electronically in a portable and, to the extent technically feasible, readily useable format that allows the individual to transmit this information to another entity without hindrance.
Right to Know: The right to request that we provide them certain information about how we have handled their Personal Information in the prior 12 months, including the categories of Personal Information collected and the purposes for which such information was collected (in each case as specified in this Privacy Policy).
Shine the Light: California residents may request, free of charge, a list of what Personal Information (if any) we provided to third parties in the preceding year for that third party’s direct-marketing purposes. You may make one request per calendar year. In your request, please attest that you are a California resident and provide a current California address for your response. You may request this information in writing by contacting us as set forth in the User Agreement. Please allow up to thirty (30) days for a response.
We will comply with your request upon verification of your identity. We will verify your identity either to a “reasonable degree of certainty” or a “reasonably high degree of certainty” depending on the sensitivity of the Personal Information and the risk of harm to you by unauthorized disclosure, deletion, or correction as applicable.
Incentives and "Non-Discrimination". The CCPA prohibits discrimination against California consumers for exercising their rights under the CCPA and imposes requirements on financial incentives. If a consumer exercises their rights under CCPA, businesses may not discriminate against them including by denying or providing a different level or quality of goods or services or charging or suggesting that a business will charge different prices or rates or impose penalties, unless doing so is reasonably related to the value provided by the consumer’s data.
Submitting Requests. Requests to exercise the right to deletion, right to a copy, and / or the right to know may be submitted by contacting us at 800-737-3751 or by emailing us at adessoprivacy@adessocapital.com. We will respond to verifiable requests received from California consumers as required by law.