Privacy Policy

Last updated January 1, 2020.

BCA Financial Services, Inc. (BCA) is sensitive to privacy issues. We believe that it is important you know how we treat the information about you that we receive via this internet site (sometimes referred to as the “Site”) or through other channels. BCA will not use or disclose any information in a manner that is prohibited by applicable laws and regulations.

We are obligated by law to protect non-public information you choose to share with us. The Site is hosted by a company separate from and independent of BCA. The website is open to the public and in general, you may visit the Site without telling us who you are or revealing any personally identifiable information about yourself. The website’s host’s servers capture, but do not collect, the IP addresses, domain names and network identifiers of visitors to this site. Instead, this information is aggregated to monitor and improve the performance of the Site. Examples of information that may be collected by the servers may include the number of visits, average time spent on the Site, whether the Site has been accessed by a computer/tablet/and/or mobile phone, pages viewed, and similar information. Our website host uses this information to measure the use of our Site and to give us information that helps us improve the content of our Site.

Unless otherwise disclosed during the collection, personally identifiable information that may be collected in connection with visitors to this Site is retained by BCA. BCA does not sell, transfer or otherwise disclose this personally identifiable information outside those companies, except where disclosure is required by law.

We do not sell personally identifiable information. We will not share or disclose personally identifiable information except as described in this Privacy Policy. If we ever decide to sell personally identifiable information, we will provide you with notice and a right to opt-out of such sale. E-mail addresses and other personally identifiable information such as first and last name, home or other physical address, telephone number and other similar information are known only when voluntarily provided by a visitor.

Unless otherwise disclosed during the collection, personally identifiable information that may be collected in connection with visitors to this Site is retained by BCA. BCA does not sell, transfer or otherwise disclose this personally identifiable information, except where such disclosure is required by law. BCA provides call center, credit and collections services on behalf of creditors and may provide information collected on the Site to its creditor clients.

BCA has collected the following categories of personal information from consumers within the past twelve (12) months:

Identifiers: Real name, alias, unique personal identifier, online identifier, Internet Protocol address, account name, and other similar identifiers

Personal information categories listed in the California Customer Records statute (Cal. Civ. Code Â§ 1798.80(e)): Signature, education, employment, employment history, credit card number, or any other financial information

Protected classification characteristics under California or federal law: Characteristics of protected classifications under California or federal law

Commercial Information: Commercial information, including records of personal property, products or services purchased, obtained, or considered

Geolocation data and sensory data: Audio, electronic, visual, or similar information, including call recordings

Professional or employment-related information: Professional (or employment) related information

Education information: Education information, including school name, dates of attendance, degree, major/minor

Inferences drawn from other personal information: Inferences drawn from any of the information identified to create a profile about a consumer reflecting the consumer’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, abilities, and aptitudes, including employee assessments for retention purposes, and consumer ability to pay

We (or our website host vendor) may use the personal information you provide for any of the following purposes: (1) to understand the use of our Site; (2) to make improvements; (3) to respond to specific requests from visitors; (4) to obtain parental consent from visitors under 18 years of age, where necessary; (5) to provide any necessary notices to our visitors or their parent or guardians, where necessary; (6) to protect the security or integrity of our Site when necessary; and (7) to send you notices regarding this Site or our business.

It is our policy that visitors to our Site who are under the age of 18 should not post on or provide information to our Site without the consent of their parents. This Site is not designed for or intended for the use of persons under the age of 18.

A technology called “cookies” may be used to provide you with tailored information. A “cookie” is a tiny element of data that a web site can send to your browser, which may then be stored on your hard drive so we can recognize you when you return. You may be able to set your browser to notify you when you receive a cookie. Our cookies collect the operating system and browser that a visitor is using.

This Site has security measures in place to protect against the loss, misuse and alteration of the information under our control. If for some reason BCA discovers that non-public personal information is the subject of a data security breach, BCA will comply with applicable laws and regulations to notify you of such a data security breach.

A separate vendor hosts the portion of the website that may allow you to make payments. When credit card information is transmitted our vendor uses industry standard, SSL (secure socket layer) encryption. We encourage you to review the privacy policies that pertain to other vendors with whom you may interact via our site.

This Site may contain links to other sites of third parties. We are not responsible for the content or privacy practices of those other sites. By including a link to a third-party site, we do not endorse or recommend any products or services offered or information contained at the third-party site. We are not responsible for the content or privacy practices of those other sites. Such third party may have a privacy policy different from that of ours and the third-party site may provide less security protection than our Site. If you decide to visit a third-party site via a link contained on our Site, you do so at your risk.

We may revise this Privacy Policy from time to time. Our Privacy Policy is effective as of the “Last Updated” date noted at the top of the Privacy Policy. Modifications and revisions to this Privacy Policy take effect immediately once they are posted. You are responsible for checking this policy when you visit our Site to review the current policy. If you do not agree with the policy, you should cease use of the Site immediately.

If you have any questions about this Privacy Policy, please contact us at CustomerExperience@bcafs.com.

Under the California Consumer Privacy Act (CCPA), California residents may have the right to:

• Request that a business delete any personal information about the consumer which the business has collected via the Site and other channels.

• Request that a business that collects personal information about the consumer disclose to the consumer, free of charge, the following:

o The categories of personal information that it has collected about that consumer.
o The categories of sources from which the personal information is collected.
o The business or commercial purpose for collecting or selling personal information.
o The categories of third parties with whom the business shares personal information.
o The specific pieces of personal information it has collected about that consumer.

• Request that a business that sells the consumer’s personal information, or that discloses it for a business purpose disclose, free of charge, to the consumer:
o The categories of personal information that the business collected about the consumer.
o The categories of personal information that the business sold about the consumer and the categories of third parties to whom the personal information was sold, by

category or categories of personal information for each third party to whom the personal information was sold.
o The categories of personal information that the business disclosed about the consumer for a business purpose.

• Direct a business that sells personal information about the consumer to third parties not to sell the consumer’s personal information.

You may also designate an authorized agent to make such requests on your behalf by sending us a notarized power of attorney.

We are not located in California and believe that the type of services we provide are exempt from coverage under the CCPA. If you are a California resident and want to exercise CCPA rights please let us know by writing to us and including verification of your identity and residency, at 18001 Old Cutler Road, Suite 462, Attn.: Privacy Officer, Miami, Florida 33157.

We will not discriminate against you because you exercise any of the rights as described in this Privacy Policy.