Privacy Policy

Your privacy is important to Bass & Associates, P.C. (in the state of New York named Bass & Associates of AZ, P.C. hereinafter "Bass" "we" "our"). The following Privacy Notice applies to individual consumers whose information we obtain while providing services to our clients. We collect and use personally identifiable information ("information" "personal information") about you to conduct and manage our business.

Sources of this information include the following:

   

• Information we receive from the entity on whose behalf we provide services (the "Creditor") and from applications submitted by you to the Creditor

   

• Information we receive from you through correspondence or communication with us, whether by mail, telephone, or the Internet, and which may include your name, address, Social Security number, assets, income, or other information you provide;

   

•Information about your transactions with us, our affiliates, or others, such as your account balance and payment history; and

   

•Information we receive from third parties, such as consumer reporting agencies.

•The types of personally identifiable information about you that we collect on our websites, from others, affiliates or other companies include the following:

   

•Contact information such as your name, address, email address, or telephone number.

   

•;Identification information such as a Social Security number or a mother's maiden name.

   

•Financial information such as income, assets, liabilities, or account and payment information.

We may also obtain data related to your use of our website and communicated to us electronically by that use.

We only disclose information to affiliated and non-affiliated third parties as permitted or required by the federal Fair Debt Collection Practices Act ("FDCPA"). We may share information we collect with third parties that provide collection-related services to us. When we share your information with these companies, they are required to limit their use of your information to the particular purpose for which it was shared and they are not allowed to share it with others except to fulfill that limited purpose. In addition, if permitted by FDCPA, we may also share your information with our affiliates and non-affiliated third parties if also permitted by applicable law.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. You may have other privacy protections under state laws. These measures include computer safeguards and secured files and buildings. The only Bass employees who are authorized to see your personal information are those who need it as part of their jobs.

We may place and read data stored (via session and/or persistent "cookies" or other device specific storage capabilities) on the device you are using, and use other technologies such as Web beacons, clear GIFs, tracking pixels and tags, when you visit or use our Site or open a Bass email. Cookies are small data files that are placed on your device for a variety of purposes, including to identify your device and/or your account when you return to the Bass Site. You can generally remove, block, or disable cookies by using the settings located in your browser. If you decide to remove or not accept cookies, some features and services on our Site may not work properly. To the extent permitted by applicable law, third parties, including our service providers, may collect information about your online activities over time and across different Sites, including when you visit our Site. Some browsers have a "do not track" feature that lets you tell websites that you do not want to have your online activities tracked. At this time, we do not respond to browser "do not track" signals.

We do not intend to collect personal information from children under 13 years of age. If we learn that we have collected this information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our system.

We do not intend to collect personal information from citizens of the European Union. If we learn that we have collected this information from a citizen of the European Union we will promptly take all reasonable steps to delete the data from our system.

California Consumer Privacy Act ("CCPA")

Right to Know About Personal Information Collected, Disclosed, or Sold

California Consumers have a right to request that we disclose what personal information we collect, use, disclose or sell.
Note: We do not and will not sell consumers personal information.
To submit a request for disclosure of this information, you may:

 

After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your personal information we maintain.
We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.

 

The following are the categories of personal information we have collected about consumers for the preceding 12 months, the categories of sources from which the personal information was obtained and the categories third parties with whom the personal information was shared.
Bass collects consumers personal information solely for the purpose of servicing accounts and collecting debts.

 

CATEGORIES OF PERSONAL INFORMATION WE COLLECT

CATEGORIES OF SOURCES FROM WHICH WE RECEIVE PERSONAL INFORMATION

CATEGORIES OF THIRD PARTIES WITH WHOM WE SHARE PERSONAL INFORMATION

Identifiers (such as name, address, social security number, telephone number and email address)

Consumers, creditors, locate services, credit reporting agencies

Creditors, credit reporting agencies, locate services and other entities that provide collection-related services, to the extent not prohibited by the federal Fair Debt Collection Practices Act

Professional or Employment-Related Information

Consumers, creditors, locate services, credit reporting agencies

Creditors, credit reporting agencies, locate services and other entities that provide collection-related services, to the extent not prohibited by the federal Fair Debt Collection Practices Act

Audio (such as telephone recordings)

Consumers, creditors

Creditors

Financial Information (such as bank, credit card or loan account information)

Consumers, creditors, locate services, credit reporting agencies

Creditors, credit reporting agencies, locate services and other entities that provide collection-related services, to the extent not prohibited by the federal Fair Debt Collection Practices Act.

Commercial Information (such as records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies)

Consumers, creditors, locate services, credit reporting agencies

Creditors, credit reporting agencies, locate services and other entities that provide collection-related services, to the extent not prohibited by the federal Fair Debt Collection Practices Act.

Education Information (such as information related to student loans)

Consumers, creditors, student loan lenders and servicers

Creditors, credit reporting agencies, locate services and other entities that provide collection-related services, to the extent not prohibited by the federal Fair Debt Collection Practices Act.

 

Right to Request Deletion of Personal Information

California Consumers have a right to request the deletion of personal information that Bass has collected from them and maintains.
To submit a request for disclosure of this information, you may:

 

After your submission, we will confirm receipt of your request within 10 days unless we provide a response within that timeframe. We will verify your identity by matching information you provide to your personal information we maintain.

We will respond to your request within 45 days of receipt unless more time is necessary, in which case will inform you.

 

Right to Opt-Out of the Sale of Personal Information

The CCPA provides that California Consumers have the right to opt-out of the sale of their personal information.
However, Bass does not and will not sell your personal information.

 

Right to Non-Discrimination for the Exercise of a Consumerís Privacy Rights

California Consumers have a right not to receive discriminatory treatment by Bass for the exercise of the privacy rights conferred by the CCPA.

 

Authorized Agent

California Consumers can designate an authorized agent to make a request under the CCPA on their behalf.
To do so, you must provide written authorization to your authorized agent to make the request on your behalf, and the authorized agent must provide Bass with that written authorization.
In addition, we will need you to verify your identity with us directly.

 

Contact Us for More Information

If you have questions or concerns about these privacy policies, or if you wish to receive this Privacy Policy in a different format, please contact us at 888-283-4624.

 

The effective date of this notice is May 28, 2021. It replaces all prior privacy notices issued by Bass. We reserve the right to amend this privacy notice at any time and we will inform you of any changes to this notice by posting the revised privacy notice on our website, or as otherwise required by law.

Privacy Act of 1974 (Applicable to Customers with Federally Owned Debt)

The Privacy Act of 1974 (5 U.S.C. 552a) requires that the following notice be provided to you:

The authority for collecting the requested information from and about you is 421 et seq. of the Higher Education Act of 1965, as amended (20 U.S.C. 1071 et seq.). The principal purpose for collecting the information about you on this website is to allow the electronic servicing of your loan. Your disclosure of the requested information is voluntary, but you must provide the requested information in order to participate in electronic servicing of your loan. The information in your file may be disclosed, on a case-by-case basis or under a computer matching program, to third parties as authorized under routine uses in the appropriate systems of records notices. The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan, to permit the servicing or collection of your loan(s), to enforce the terms of the loan(s), to investigate possible fraud and to verify compliance with federal student financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default. To provide default rate calculations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to state agencies. To provide financial aid history information, disclosures may be made to educational institutions. To assist program administrators with tracking refunds and cancellations, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal or state agencies. To provide a standardized method for educational institutions to efficiently submit student enrollment status, disclosures may be made to guaranty agencies or to financial and educational institutions. To counsel you in repayment efforts, disclosures may be made to guaranty agencies, to financial and educational institutions, or to federal, state, or local agencies.

In the event of litigation, we may send records to the Department of Justice, a court, adjudicative body, counsel, party, or witness if the disclosure is relevant and necessary to the litigation. If this information, either alone or with other information, indicates a potential violation of law, we may send it to the appropriate authority for action. We may send information to members of Congress if you ask them to help you with federal student aid questions. In circumstances involving employment complaints, grievances, or disciplinary actions, we may disclose relevant records to adjudicate or investigate the issues. If provided for by a collective bargaining agreement, we may disclose records to a labor organization recognized under 5 U.S.C. Chapter 71. Disclosures may be made to our contractors for the purpose of performing any programmatic function that requires disclosure of records. Before making any such disclosure, we will require the contractor to maintain Privacy Act safeguards. Disclosures may also be made to qualified researchers under Privacy Act safeguards.