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LJ ROSS PRIVACY & SECURITY NOTICE

L J Ross Associates, Inc. believes that maintaining the privacy and
confidentiality of an individual’s personal information is important. We provide
the following privacy policy (the “Privacy Policy”) in order to demonstrate our
commitment to privacy. L J Ross Associates, Inc. may need to change this Privacy
Policy from time to time in order to address new issues and to reflect changes
on our Site. Please refer back to this Privacy Policy regularly because your use
of the Site signifies that you agree to be bound by the terms and conditions of
this Privacy Policy, as amended from time to time.
(1) A consumer has the right to request that the business disclose the
following:
 * The categories of personal information we collect;
 * The categories of sources from which the personal information is collected;
 * The purpose for collecting the personal information;
 * The categories of third parties with whom the business shares personal
   information; and
 * The specific pieces of personal information we have collected, disclosed, or
   sold.

Such a request can be made to L J Ross Associates, Inc. at 1-844-348-1739 or by
email to compliance@ljross.com. Once we receive your request, we will compare
information you provided with the information we already have. If we can verify
that the request came from you, we will provide the required information. We
will match 2-3 identifying, personal information data points to verify that the
request came from you. If we cannot verify that the request came from you, we
will notify you.
(2) We typically collect the following categories of personal information about
a consumer for debt collection purposes only: (a) health insurance information,
which we obtain from the consumer’s creditor or the consumer, if we are
collecting medical debt; (b) personal identifying information, like name,
address and account number, as well as other identifying information, which we
obtain from the consumer’s creditor, credit reports and other skip trace tools,
and the consumer; (c) characteristics such as age, gender, etc., which we obtain
from the consumer’s creditor and consumer’s credit report; (d) retail
information, which we obtain from the consumer’s creditor and the consumer’s
credit report; (e) internet activity regarding online payments, which we collect
if the consumer visits our website or payment portal; (f) geolocation data,
which we obtain from process servers; (g) recordings, which are made when the
consumer has a telephone conversation with us; (h) professional and employment
related information, which we obtain from the consumer, consumer’s creditor,
credit reporting agencies, and other skip trace sources; and (i) educational
information, which we obtain from the consumer’s creditor, credit reporting
agencies, and other skip trace sources.
(3) We do not sell any personal information to third parties. We do disclose
information to credit reporting agencies.
For California Residents:
(4) The California Consumer Privacy Act provides for the right for consumers to
request deletion of their information, subject to various exceptions. The
information that L J Ross Associates, Inc. has, generally falls within an
exception and does not have to be deleted upon request. Nonetheless, such a
request can be made to L J Ross Associates, Inc. at 1-844-348-1739 or by email
to compliance@ljross.com. Once we receive your request, we will compare
information you provided with the information L J Ross Associates, Inc. already
has. If we can verify that the request came from you, we will provide the
required information. We will match 2-3 identifying, personal information data
points to verify that the request came from the consumer. If we cannot verify
that the request came from the consumer, we will notify the consumer.
(5) The California Consumer Privacy Act also provides for the right to opt out
of the sale of personal information. However, we do not sell personal
information.
(6) The consumer has a right not to receive discriminatory treatment by us for
the exercise of the privacy rights conferred by the California Consumer Privacy
Act.
(7) A consumer can designate an authorized agent to make a request under the
California Consumer Privacy Act. The consumer must provide either a power of
attorney or written authorization.
(8) Questions regarding this Privacy Policy should be directed to
compliance@ljross.com
Revised on 2/5/2020
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Headquarters: 4 Universal Way, PO Box 6099 Jackson, MI 49204-6099

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