THIS NOTICE HAS NO EFFECT ON YOUR RIGHTS TO DISPUTE
OR REQUEST VALIDATION OF ANY DEBT REFERENCED IN LETTERS RECEIVED
WITH THIS NOTICE
. Oliphant Financial is a debt
collector. We are attempting to collect a debt and any
information will be used for that purpose.
A DEBT COLLECTION COMPANY
OLIPHANT FINANCIAL LLC
recognizes the necessity of keeping our information about you
secure and confidential. This policy concerns Customer
Information about you, which means personally identifiable
information about you and your relationship with OLIPHANT
FINANCIAL LLC. This policy applies to you whether you are a
current or former customer of ours, unless and until you receive
required by the Gramm-Leach-Bliley Act, 15 U.S.C. 6801-6810. You
may have additional rights under applicable state law.
We restrict access to Customer Information about you to those
employees or service providers who need to know that information
to service your account(s). We maintain physical, electronic and
procedural safeguards that comply with federal regulations to
guard your Customer Information. Whenever we hire other
organizations to provide support services, we will require them
to conform to our privacy standards and to allow us to audit
them for compliance.
We obtain Customer Information about you as permitted by law
from: applications or other forms you have filled out; your
transactions with us, prior owners of your account, our
affiliates, or others; and consumer reports (including credit
reports). This information includes your name, your address,
your social security number, your current and former employers,
your payment history and your account balances.
USING INFORMATION IN CONNECTION WITH THE COLLECTION
OF DEBT. If we want to use any of the Customer Information
we have obtained about you in connection with the collection of
debt, we can only communicate that information with your express
permission, or with the express permission of a court, or to
you, your attorney, the creditor to whom you owe the debt, that
creditor's attorney, our own attorney, or as otherwise permitted
by the federal Fair Debt Collection Practices Act, 15 U.S.C.
1692 et seq. and Fair Credit Reporting Act, 15 U.S.C. 1681 et
seq. YOU DO NOT HAVE TO DO ANYTHING IN ORDER TO LIMIT OUR USE
AND SHARING OF YOUR CUSTOMER INFORMATION IN CONNECTION WITH THE
COLLECTION OF DEBT.
USING INFORMATION FOR OTHER PURPOSES AS PERMITTED
BY LAW. If we want to use or share any of the Customer
Information we have obtained about you for some purpose other
than the collection of debt, we can share that information as
permitted by the following laws.
Act allows us to share Customer Information with
non-affiliated third parties in certain circumstances such
as with companies that provide services to us or that help
us administer your account, in connection with the sale of
our business assets, and if the sharing is necessary for us
to be in compliance with law.
The Fair Credit Reporting
Act allows us to share certain information other than credit
report information with debt purchasers affiliated with us.
The Fair Debt Collection
Practices Act allows financial institutions and other
businesses to share basic information concerning
individuals’ locations with each other for limited purposes
(“skip-tracing”), and OLIPHANT FINANCIAL LLC both initiates
and responds to skip-tracing requests as permitted by law.