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Marlin Integrated Capital Holding Corporation ( "Marlin" , "us", or "we")
Marlin is committed to respecting and protecting your privacy. To that end, we have prepared this privacy statement to disclose and describe our information gathering and dissemination practices for this website and other sources.
Notice and Disclosure
In general, you may visit this website without identifying yourself or revealing any personal information. We collect domain information from your visit to customize and improve your experience on our website.
We also collect the Internet address of the site from which you linked directly to its website, and the date and time of your visit to its website. This information may be used to measure the number of visitors to the various pages on the Marlin website, to help make improvements to the information contained on the site, and to better serve site visitors. Marlin also collects, uses, and stores the e-mail addresses of users that communicate with us via e-mail, information provided by website users, and information regarding which website pages users access. Marlin (or as applicable a parent or affiliate) controls this website from offices in Fairfax, Virginia, United States of America.
Certain following sections of this Privacy Statement pertain to our information gathering and dissemination practices and/or use of this website in regard to:
- individuals who are account debtors on accounts we have purchased from third parties
- our Clients (for example, companies from which we have purchased accounts of individual account debtors)
- any other visitor to our website
The respective sections are clearly identified.
The following affiliated companies of Marlin have adopted this Privacy Statement:
Other Marlin affiliated company(ies) have adopted their own privacy policies. Please check their websites for details.
A. Individual Account Debtors
If you are an individual account debtor Marlin collects nonpublic personal information about you obtained from one or more of the following sources:
- Information we received from companies that sold us your account(s) (for example, applications, contracts, checks and other related forms or documents regarding your dealings with your original creditor)
- Information about your transactions with us, our affiliates or others that perform account servicing
- Information from skip-tracing companies and/or consumer-reporting agencies
INFORMATION WE MAY SHARE WITH OUR AFFILIATES
We may share identification (such as name and address), information about our transactions and experiences with you (such as payment history) and information that does not identify you, with one or more of our affiliates to perform account servicing functions, and in order to better service your accounts.
INFORMATION WE MAY SHARE WITH NONAFFILIATED COMPANIES
We share all of the information we collect about you, as described above, with nonaffiliated companies, as permitted by law, to assist in the servicing of your account(s). For example, we:
- May share information about you with companies that we use to perform account servicing functions to manage and maintain your account and to process transactions that you have authorized, (a "Servicer")
- May report information about you to consumer reporting agencies, government agencies in response to a subpoena, or others in connection with investigations. (For example, if you account is closed as a result of a payment, settlement or otherwise, we report this to consumer reporting agency(ies))
- May share information about you with the original creditor from which we purchased your account, and its servicers, or their successors, to manage and maintain your account and to process transactions that you have authorized
- We may disclose identifiable information to another entity with which we enter into, or intend to enter into, a corporate transaction, such as, for example, a merger, consolidation, joint venture, acquisition, or asset purchase
Because we respect your privacy, we do not sell, trade or otherwise disclose your identity or any other personal information about you to third parties for their marketing purposes.
Confidentiality and Security of Your Account
We restrict access to nonpublic personal information about you to only those employees who need to know such information, and certain third parties, as noted above. We maintain physical, electronic and procedural safeguards to protect your personal information. If we use other companies to provide services for us, we require them to keep the information we share with them safe and secure and we do not allow them to use or share the information for any purpose other than the job they are hired to do.
Contacting us about your account or our privacy policy.
E-mail posted to or sent through this website by you may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, we will not respond to e-mail requests concerning accounts. (For example, requests made under applicable law for copies of data about you held by us, or communications regarding correction, amendment or deletion of information you believe is inaccurate). Therefore, if you wish to contact us regarding a debt or your account, correspondence should be sent by Postal Service. Be sure to include your name, your mailing address, the Marlin account number, original creditor name, and creditor account number. Without complete information, we or our Servicer will be unable to respond to your request. The Marlin (or affiliate) address for mailing is:
For U.S. account debtors, click here.
For European Union account debtors:
145-157 St. John Street
2nd Floor LP
London EC1V 4PY
or you may contact the applicable Servicer of your account.
In the event that any individual account debtor of ours that is a citizen of a European Union country is not entirely satisfied with the resolution of a complaint proposed by Marlin in connection with its privacy practices, Marlin will cooperate with the relevant European Data Protection Authorities to resolve that individual's complaint.
B. Marlin Clients
If you are a Client of Marlin or its named affiliate (for example, an account seller or a service provider of an account seller from whom we have purchased accounts), some portions of this website may require you to give us personally identifiable information, which is information that enables us to identify you, such as your name, email or other address. If you opt to provide us that sort of information, we also may use it for purposes such as verifying your identity, sending you information or contacting you.
For certain programs or services, we may make your information available to our business partners, for marketing and other purposes which we believe may be beneficial to you.
Choice/Opt-Out
It is our intent to inform you before we collect personally identifiable information through your use of this website, and tell you what we intend to do with it. You will have the option of not providing the information, in which case you may still be able to access other portions of this website, although you may not be able to access certain programs or services. In certain portions of this website, we also may enable you to "opt out" of certain uses of your information, or elect not to receive future communications or services.
C. All Website Visitors
Data Security
Our intent is to strictly protect the security of your personal information; honor your choice for its intended use; and carefully protect your data from loss, misuse, unauthorized access or disclosure, alteration, or destruction. We have put in place appropriate physical, electronic and managerial procedures to safeguard and secure information we collect online, including the use of encryption when collecting or transferring sensitive data.
Data Quality and Access
We strive to keep your information and data accurate, complete and current. We will promptly take steps to correct any inaccuracies in your personally identifiable information that we are made aware of.
(For individual account debtors refer to section A, above; for Clients and other website visitors, refer to "Contacting Us", below.)
Business Relationships
This website contains links to other websites controlled by parties other than Marlin or a parent company. Marlin is not responsible for the privacy practices or the content of such websites.
Cookies
Portions of this website use cookies to keep track of your visit, or to deliver content specific to your interests. A "Cookie" is a small amount of data transferred to your browser and read by the Web server that placed it there. It works as a sort of identification card, recording your preferences and previously entered information. You can set your browser to notify you when you receive a cookie, giving you the chance to accept or reject it.
Contacting Us
If you have any questions or comments about our privacy statement or practices, please contact us:
- by mail, with the words "Privacy Policy" on the envelope, or
- via email to info@Marlin.com (or for EU-country users: info@marlincapitaleurope.com) with the words "PRIVACY POLICY" in the subject line.
- (Note: individual account debtors see Section A above, "Contacting us about your account or our privacy policy", above, instead)
In the event that any user of this website that is a citizen of a European Union country is not entirely satisfied with the resolution of a complaint proposed by Marlin in connection with its privacy practices, Marlin will cooperate with the relevant European Data Protection Authorities to resolve that individual's complaint.
Marlin reserves the right to modify or update this privacy statement at any time without notice.
Last updated 11/01/2005.
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