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Introduction
Information we Collect
How we use your information
SMS, Phone, and Email Communications & Consent
Information Sharing
Data Security
Data Retention
Your Rights
Children’s Privacy
Changes to This Policy
Contact Information
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Acceptance of Terms
Our Services
Communications (SMS, Phone, and Email)
User Responsibilities
Intellectual Property
Limitation of Liability
Compliance with Laws
Modifications to Term
Termination
Governing Law
Contact Information
Privacy
Collective Capital Services Inc. respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website https://www.collectivecapinc.com/, use our services, or communicate with us via SMS, phone calls, email, or other channels.
We provide debt resolution, account servicing, and related support services. This Policy applies to personal information collected in connection with these activities, including debt-related communications.
Information We May Collect
Personal Information
Name, phone number, email address, mailing address, account details, debt-related information, and other identifiers you provide.
Communication Data
Content and metadata from SMS, phone calls, and emails with us.
Technical Data
IP address, browser type, device information, usage data, and cookies/analytics data from the Website.
We collect this information directly from you, through your interactions with our services, or from third parties (e.g., creditors or service providers) as permitted by law.
How We Use Your Information
We use your information to
Provide debt resolution, account servicing, payment processing, and customer support.
Communicate with you regarding your account, including notifications, payment reminders, and dispute resolution via SMS, phone, email, or mail.
Comply with legal and regulatory obligations, including the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and other applicable laws.
Improve our services, prevent fraud, and ensure security.
Respond to your inquiries and exercise your rights.
SMS, Phone, and Email Communications & Consent
By providing your phone number or email, or by opting in through our Website or other channels, you consent to receive communications from Collective Capital Services Inc., including automated or prerecorded calls, SMS/text messages, and emails related to your account, debt resolution, payment reminders, and customer support.
Message and data rates may apply. Message frequency may vary. Reply STOP to opt out of SMS messages or contact us for assistance. Reply HELP for help. We honor opt-out requests promptly as required by the TCPA and other laws. Consent is not a condition of purchasing goods or services (where applicable).
We conduct all debt collection communications in compliance with the FDCPA, TCPA, CFPB regulations, and state laws, including limits on timing, content, and third-party disclosures.
Information Sharing
We do not sell your personal information. We may share it with:
Service providers (e.g., payment processors, SMS platforms like Twilio, or analytics providers) who assist us under contractual safeguards.
Affiliates or business partners as needed for service delivery.
Legal authorities, regulators, or as required to comply with law, enforce our rights, or protect safety.
Data Security
We implement reasonable administrative, technical, and physical safeguards, including encryption and access controls, to protect your information. However, no system is completely secure.
Data Retention
We retain your information as long as necessary for business purposes, to provide services, comply with legal obligations (including FDCPA and TCPA recordkeeping), resolve disputes, and enforce agreements.
Your Rights
Depending on your location and applicable law, you may have rights to access, correct, delete, or restrict processing of your personal information, or to opt out of certain communications. To exercise these rights, contact us using the details below. We will respond as required by law.
For SMS opt-out, simply reply STOP.
Children’s Privacy
Our services are not directed to children under 18. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy. We will post the revised version with a new effective date on our Website.
Contact Information
For questions about this Privacy Policy or your data: Email: support@collectivecapinc.com(We also maintain compliance@collectivecap.com for regulatory matters.) Phone: 1-(866)-323-0421 Address: Collective Capital Services Inc. (as listed on our Website)
By using our Website or services, you acknowledge that you have read and understood this Privacy Policy.
Privacy Policy Effective Date: April 13, 2026
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Introduction
Information we Collect
How we use your information
SMS, Phone, and Email Communications & Consent
Information Sharing
Data Security
Data Retention
Your Rights
Children’s Privacy
Changes to This Policy
Contact Information
-
Acceptance of Terms
Our Services
Communications (SMS, Phone, and Email)
User Responsibilities
Intellectual Property
Limitation of Liability
Compliance with Laws
Modifications to Term
Termination
Governing Law
Contact Information
Terms of Service
(Terms and conditions)
Acceptance of terms
By accessing or using the Website https://www.collectivecapinc.com/or any services provided by Collective Capital Services Inc. you agree to be bound by these Terms of Service. If you do not agree, do not use our Website or services.
These Terms govern your use of our debt resolution, account servicing, payment, and communication services.
Our Services
We provide debt resolution support, account servicing, payment facilitation, and related customer assistance. Our goal is to help consumers resolve debts compassionately while maintaining compliance with all applicable laws.
Communications (SMS, Phone, and Email)
We may communicate with you via SMS/text, phone (including automated or prerecorded calls), email, or mail regarding your account, payments, reminders, disputes, or support.
By providing your contact information or opting in, you consent to receive these communications. For SMS:
Message frequency may vary.
Message and data rates may apply.
Reply STOP to opt out. Reply HELP for assistance.
We comply with the Telephone Consumer Protection Act (TCPA) for consent, opt-out, and automated dialing requirements. All debt collection communications comply with the Fair Debt Collection Practices Act (FDCPA), including prohibitions on harassment, false or misleading statements, and improper third-party disclosures. We also follow CFPB Regulation F and other federal/state laws.
You agree not to use our services or communications for unlawful purposes.
User Responsibilities
You agree to:
Provide accurate, complete, and current information.
Notify us promptly of any changes to your contact details.
Use our services only for lawful purposes and in compliance with these Terms.
Not misuse, interfere with, or attempt to circumvent any security features.
Limitation of Liability
To the fullest extent permitted by law, the Company is not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Website or services, even if advised of the possibility. Our total liability shall not exceed amounts you paid us in the twelve months preceding the claim (if any).
We make no warranties, express or implied, regarding the Website or services, which are provided “as is.”
Compliance with Laws
You acknowledge that our communications and services comply with applicable laws, including the FDCPA and TCPA. We reserve the right to modify practices as needed to maintain compliance. You agree to cooperate with any reasonable requests related to compliance or verification of your identity/contact information.
Modifications to Terms
We may update these Terms at any time. Continued use after changes constitutes acceptance. We will post the updated Terms on the Website with the new effective date.
Termination
We may suspend or terminate your access to the services at any time for any reason, including suspected misuse or legal requirements.
Governing Law
These Terms are governed by the laws of the United States and the State of [insert applicable state, e.g., New Jersey or your primary state of operation], without regard to conflict of laws principles.
Contact Information
For questions about these Terms or our services:
Email: support@collectivecapinc.com
Phone: 1-(866)-323-0421
By using our Website or services, you confirm your agreement to these Terms.
Privacy Policy Effective Date: April 13, 2026