First Credit Services, Inc. (“FCS”) offers this privacy policy (the “Policy”) to demonstrate our strong commitment to protecting your privacy online.

Introduction and Scope

This Privacy Policy covers our data collection practices and describes your rights to access, correct, or personal information which includes information such as name, email address, identification number, or any type of information that can reasonably identify an individual, either directly or indirectly.

This Privacy Policy applies when you visit or use our website, mobile applications, APls or when we are providing relevant services to you involving debt collection and account recovery services and if you become an employee, contractor, agent, vendor or service provider (the Services). We are committed to safeguarding the privacy of our website visitors and Service users.

By using our website, you acknowledge and agree that we and our service providers may (1) record chats when you engage with our chat feature and (2) use session replay and other tracking technologies to collect, on a real-time basis, information on how you use and navigate the site.

By using our Services, you agree to the terms of this Privacy Policy. You shouldn’t use our Services or visit our website if you don’t agree with this Privacy Policy or any other agreement that governs your use of our Services. Our Services are intended for persons over the age of 18 or the age of Majority as determined by state law.

You can withhold your personal information when speaking with us if you are making a general inquiry. However, if you withhold your personal information, it may not be possible for us to provide you with our products and services or for you to fully access our website.

Information We Collect

Pursuant to our Policy, we use your IP address to help diagnose problems with our server and to administer our Website. Your IP address is also used to gather broad demographic information and other information such as browser type, platform, and connection speed. This information does not, by itself, identify a specific individual.

We do not collect any personal identifiable information unless you voluntarily provide it to us. Our online inquiry forms are found under the “Contact Us” and “Consumer Services” sections. These forms may solicit visitors to voluntarily provide contact information such as name, email address, phone number, social media profile name and business name. It is completely optional for you to complete and submit these forms. Pursuant to our Policy, we use this contact data to facilitate communications with visitors. Customers may receive a follow-up email after submitting our online inquiry form, and may be further contacted only by the means specified by the customer in that form. Users may request email or telephone contact.. We do not sell, trade, or rent your information to others.

We may collect additional information at other times, including but not limited to, when you provide feedback, make a complaint, when you provide information about your personal or business affairs, change your content or email preference, provide financial or credit card information, communicate with our customer support teams or interact with us through our Website, Services applications or digital communication channels.

Additionally, we may also collect any other information you provide while interacting with us and when we manage our customer, client and service provider relationships and while employed by us.

We may also receive your personal information from third parties that we deal with on your behalf and from our clients and service providers. Any information we receive that we are not lawfully required to hold will be deleted or destroyed.

We collect information that identifies you, such as your name, contact details, identification numbers, and financial information. We maintain this data in various physical and digital formats (including paper records, electronic files, and metadata) as necessary to provide our Services and satisfy legal record-keeping requirements. We treat all non-public information—including biometric data collected through our secure systems—as protected personal information under this Policy.

We recognize that biometric information collected about a consumer without the consumer’s knowledge can never be considered “publicly available” information and will always be treated as personal information subject to this Privacy Policy and applicable privacy laws (Privacy Laws). This applies even if such information might otherwise appear to be publicly available.

How We Use and Disclose Your Information

We will use or disclose your personal information held about you as permitted by law and for the business purposes for which it is collected. We may use your personal information on the following basis:

1. where such processing is necessary for the performance of our contracts and compliance with our contractual arrangements with our clients including where we have contracts with our clients who place your accounts with us for collection;
2. to provide and manage our Services to you;
3. the proper management of our client and customer relationships;
4. to verify your identity and to authenticate you when you contact us;
5. when we communicate with you by sending you mail, email, telephone, SMS/MMS, mobile applications and social media platforms,
6. for legitimate business purposes;
7. using your personal information helps us to operate and improve our business, website, systems and minimize any disruption to the services that we may offer to you;
8. where we are processing information based on your consent;
9. to comply with our legal and regulatory obligations;
10. for the establishment, exercise or defense of legal claims, proceedings or in an administrative or out-of-court procedure;
11. for the purposes of obtaining or maintaining insurance coverage, managing risks and operations or obtaining professional advice;
12. for the purpose of fraud, crime prevention, suppression, or detection and help us run our business and maintain integrity:
13. ensuring workplace health and safety of our employees or enforcing our rights, making legal enquiries, or taking legal action;
14. record-keeping purposes, or
15. processing through artificial intelligence systems or automated systems that are capable of generating, analyzing, or outputting personal information.

When you are a client of our Services, we may also use your personal information to tell you about our Services we think may be of interest to you.

We do not knowingly collect or process the personal information of anyone under the age of 18 years old.

We may create statistical and anonymized reports, analysis and predictive models, rules and insights using information about you and other customers. Aggregated reports may also be shared with other businesses for business development and to provide insights into collection performance, identify customer demographics or behavioral insights and the information in these reports is not personal and cannot be used to identify you.

We will not process your personal information for direct marketing purposes, and we will not sell your personal information to other companies or organizations.

Automated Decisions

To provide an efficient and helpful customer experience we use automated decisioning in how we communicate with you. For example, if you communicate with us via email or SMS/MMS our system will automatically tailor communications with you based on your preferred digital method of communication, without any involvement of human intervention. We may also use automated decisions to detect and prevent fraud, detect and prevent money laundering and determining the most efficient and helpful way to provide our Services to you.

How We Share Your information

Under applicable Privacy Laws we are allowed to use your personal information in the following circumstances:

1. to provide our Services to you and to fulfill a contract that we have with our clients and you, including to our suppliers or subcontractors insofar as reasonably necessary for providing our services and managing our business. We require them to protect the information in a manner that is consistent with our Policy and with our security practices;
2. when you provide your consent to our clients or to us; or
3. where such disclosure is necessary for compliance with a legal or regulatory obligation to which we are subject, or in order to protect your vital interests or the vital interests of another natural person; and/or
4. when it is necessary for the purposes of our legitimate interest. When we use your personal information for our legitimate interest it means that:

• processing your personal information is necessary and we cannot achieve the same outcome in any other way; and
• we have undertaken a balancing exercise and ensuring that our interests are not outweighed by your interests, rights and freedoms.

In addition to the items listed above in this section, we may disclose your personal information to our subsidiaries, our ultimate holding FCS and all of its subsidiaries, insofar as reasonably necessary for the purposes of providing our services and managing our business and on the legal bases allowed under the Privacy Laws.

We may disclose your personal information to our insurers and/or professional advisers insofar as reasonably necessary for the purposes of obtaining or maintaining insurance coverage, managing risks, obtaining professional advice, or the establishment, exercise or defense of legal claims, whether in court proceedings or in an administrative or out-of-court procedure.

Text Messaging Privacy

No mobile information, including phone numbers, text messaging originator opt-in data, and consent information, will be shared with, transferred to, or sold to third parties.

For additional information about text messaging terms, please review our Terms and Conditions.

Security

FCS has instituted security measures to protect against the loss, misuse and alteration of the information under our control. Our security measures are consistent with current industry standards. Specifically, (i) our network and database are follow industry best security practices; (ii) only authorized employees have access to contact data; (iii) all employees are educated on our privacy policies; (iv) all employees agree to adhere to our privacy policies as a condition of employment; (v) our network and database are password protected and are behind both a firewall and proxy server to ensure security; (vi) our web security is under ongoing scrutiny and review to ensure that it meets industry security standards; (viii) we regularly monitor and review our security measures and compliance with internal policies and industry best practice; (ix) our contracted service providers are contractually bound to comply with the Privacy Laws and have appropriate information security measures and are obligated to keep the information secure; (x) we encrypt your personal information and thereby prevent unauthorized parties from viewing such information when it is transmitted to us.

You acknowledge that the transmission of unencrypted (or inadequately encrypted) data over the internet is inherently insecure, and we cannot guarantee the security of data sent to us by you over the internet and you do so at your own risk.

Access to your information is restricted to authorized employees who have a legitimate business purpose for using it.

Unauthorized use and or disclosure of client and customer information by an employee of FCS is strictly prohibited. All employees are required to maintain the confidentiality of client and customer information at all times and failing to do so will result in appropriate disciplinary measures, which may include dismissal.

Although we take measures to safeguard against unauthorized disclosures of information, we cannot assure you that personal information that we collect will not be disclosed in a manner that is inconsistent with this Privacy Policy. If you are concerned that the security of your interaction with us has been compromised, please contact us at compliance@fcsbpo.com.

Links

Our Website contains links to other sites, including a secure third party payment processor. If you make a payment through our third party payment processor, it does not share your specific credit card information with FCS. It only confirms with FCS that payment has been made and the amount of said payment.

These other sites have their own privacy policies, data collection, and disclosure practices. Please consult each site’s privacy policy. While we encourage our service partners to adopt and post robust privacy policies, FCS is not responsible for the privacy practices or the content of such sites.

Children’s Guidelines

You must be at least 18 years old to have our permission to use this site. Our policy is that we do not knowingly collect, use or disclose personal information about visitors that are under 18 years of age.

Your Rights

You have certain rights as to how your personal information is obtained and used, and FCS complies with your rights under the Privacy Laws as to how your personal information is collected, used, and handled.

Except as otherwise provided in the Privacy Laws, you generally have the following rights:

1. if we rely on your consent to process your personal information, to withdraw your consent where we will stop processing the activities relevant to your consent;
2. to be informed how we received your personal information and how it is being used;
3. access your personal information (we will provide you with a free copy of it;
4. to object to us using your personal information, where we are relying on our legitimate interest to do so and we can challenge your objection and communicate with you in accordance with our legal obligations;
5. to correct your personal information if it is inaccurate or incomplete;
6. to restrict processing of your personal information including opt-out of the sale or sharing of your personal information (i.e., we will not sell your personal information); and
7. to not be subject to any retaliation for exercising your privacy rights.

Please contact us at any time to exercise any of your rights at the contact details in this Privacy Policy.

Cookies

FCS uses cookies exclusively for session maintenance when a user completes the online inquiry forms. You also have choices with respect to cookies. By modifying your browser preferences, you have the choice to accept all cookies, to be notified when a cookie is set, or to reject all cookies. If you choose to reject all cookies some parts of our site may not work properly in your case.

Notification of Changes

This Privacy Policy was last updated on 21 March 2026. We reserve the right to change this Privacy Policy at any time. Such changes, modifications, additions or deletions shall be effective immediately upon posting the revised Policy on this page. FCS will not retroactively apply privacy policy changes in regards to personal information. If FCS changes its privacy policy in regards to sharing personal information, it must obtain consent from the customers who have previously provided that information.

Contacting the Website

If you have any questions about this Privacy Policy, the practices of this site, or your dealings with this site, you can contact us as follows:

First Credit Services, Inc.
9 Wills Way
Piscataway, NJ 08854
Compliance@fcsbpo.com

 

Privacy Statement for California Consumer

This Privacy Statement for California Consumers (California Privacy Statement) supplements our Privacy Policy. The California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), sets out the framework for data protection law in California. The CCPA sets out the key principles and rights of individuals whose personal information is collected, used, and handled and the obligations for organizations that collect, use, and handle. The CCPA and any guidance issued by the California’s Attorney General and under regulatory entities of the state of California govern the way in which we must manage your personal information (California Privacy Laws).

This California Privacy Statement applies solely to California residents, including consumers, employees, and individuals working on behalf of third parties we use, subject to exceptions listed below (each a “Consumer” or “you”). This California Privacy Statement applies to personal information we collect about California Consumers.

This California Privacy Statement does not apply to information we collect, process or disclose in connection with the provision of our Services, under Cal. Civ. Code § 1798.145 (e). This information is governed by the U.S. Gramm-Leach-Bliley Act and its implementing regulations or the California Financial Information Privacy Act. If you have an account with us, this California Privacy Statement does not apply to you.

In some cases, we will not be able to complete your request, or right under the CCPA because we do not collect information about you.

To the extent the CCPA applies, FCS will handle your personal information in accordance with the obligations under the CCPA regardless of whether your personal information is collected, used or handled in other States of the United States of America (USA) and outside of the State of California.

1. Notice of Collection and Use of Personal Information

We may collect and may have already collected during the previous 12 months prior to the date of this California Privacy Statement the following types of personal information about you:

• Basic personal information such as name, phone number, address and email address, social media profile name or alias, to enable us to communicate with you when we provide our Services to you, when you contact us and when we provide you with updates. Personal information we collect and maintain can exist in various formats, including but not limited to:
• Physical formats, including paper documents, printed images, vinyl records, or video tapes;
• Digital formats, including text, image, audio, or video files; and
• Abstract digital formats, including compressed or encrypted files, metadata, or artificial intelligence systems that are capable of outputting personal information.

We recognize that biometric information collected about a consumer without the consumer’s knowledge can never be considered “publicly available” information and will always be treated as personal information subject to the Privacy Policy and applicable privacy laws (Privacy Laws). This applies even if such information might otherwise appear to be publicly available.

• Information regarding your online activity, including information about your interaction with our Website or services, including any advertisements;
• Certain employment-related information, such as profession or business affairs; and
• Certain financial information, including your signature, bank account or debit card number, or other financial information, subject to Cal. Civ. Code § 1798.80.

We may use and may have already used during the previous 12 months prior to the date of this California Privacy State personal information for the purposes described in our Privacy Policy.

2. Business Purposes for Collection

We collect the categories of personal information listed above for the business purposes described in the “How We Use and Disclose Your Information” section of our general Privacy Policy. These purposes include fulfilling our contracts with clients, verifying consumer identity, preventing fraud, and complying with our legal and regulatory obligations. During the 12 months prior to the date of this California Privacy Statement, we have used personal information for each of the business purposes identified in that section.

We will not collect and use any of your sensitive personal information unless it is necessary for us to provide our Services to you and with your prior consent or where a permitted general situation exists. We may create statistical and anonymized reports, analysis and predictive models, rules and insights using information about you and other customers. Aggregated reports may also be shared with other businesses for business development and to provide insights into collection performance, identify customer demographics or behavioral insights and the information in these reports is not personal and cannot be used to identify you.

3. Sources of Personal Information

We may obtain, and may have already obtained during the previous 12 months prior to the date of this California Privacy Statement, personal information about you from the following categories of sources:

• through your device, through cookies, or similar technologies;
• from third parties or organizations including our related companies:
• publicly available sources of information (i.e., such as public registers);
• your approved representatives, other organizations, who jointly with us, provide products or services to you,
• third-party websites, applications or platforms containing interactive FCS content or that interface with our own websites
• social media platforms (if you publicly comment or send us a private message) and digital tracking tools such as cookies.

4. Retention of Personal Information

We will retain your personal information to comply with applicable law or regulation and record retention requirements and as reasonably necessary to achieve the purposes described in our Privacy Policy and in this California Privacy Statement.

5. Use for Marketing

We will not process your personal information for direct marketing purposes, and we will not sell your personal information to other companies or organizations.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All the above categories in this section exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Disclosure of Personal Information

During a period of 12 months prior to the date of this California Privacy Statement, we may have disclosed the following categories of personal information about you for a purpose described in this California Privacy Statement, to the following categories of third parties:

Category of Personal Information	Category of Third Party
Basic personal information	●      Our affiliates and subsidiaries ●      Our service providers who provide services on our behalf ●      Professional services organizations, such as independent auditor and law firms ●      Data analytic providers ●      Online advertising services
Information regarding your online activity	●      Our affiliates and subsidiaries ●      Our service providers who provide services on our behalf ●      Professional services ●      Data analytic providers ●      Online advertising services
Certain employment-related information	●      Our affiliates and subsidiaries ●      Our service providers who provide services on our behalf ●      Professional services
Certain financial information subject to Cal Civ Code Sec 1798.80.	●      Our affiliates and subsidiaries ●      Our service providers who provide services on our behalf ●      Professional services

 

In addition to the categories of third parties identified above, during a period of 12 months prior to the date of this California Privacy Statement, we may have disclosed personal information about you to law enforcement or other government agencies if needed to respond to a lawful request.

7. Rights under the California Consumer Privacy Act

Under the CCPA, you have the:

• Right to know: You can request up to twice a year and free of charge that we disclose to you:

(1) the categories and/or specific pieces of personal information they have collected about you,

(2) the categories of sources for that personal information,

(3) the purposes for which we use that information,

(4) the categories of third parties with whom we disclose the information, and

(5) the categories of information that we sell or disclose to third parties.

• Right to delete: You can request that we delete personal information we collected from you and tell our service providers to do the same, subject to certain exceptions (such as if we or they are legally required to keep the information).
• Right to opt-out of sharing: You may request that we stop selling or sharing your personal information (opt-out”), including via a user-enabled global privacy control. We cannot sell or share your personal information after we receive your opt-out request unless you later authorize us to do so again.
• Right to correct: You may ask us to correct inaccurate information that we have about you.
• Right to Limit: You can direct us to only use your sensitive personal information for limited purposes, such as providing you with the services you requested. We only collect and use sensitive personal information unless it is necessary for us to provide our Services to you and with your prior consent or where a permitted general situation exists.

 

8. Making a Request

If you wish to exercise any of these rights, please contact FCS by doing one of the following:

1. Submit online to {https://www.firstcreditonline.com/california-legal-rights/}
2. Calling us at 1-800-606-7066 – Ext. 1#:

If you choose to contact directly by [email/phone/in writing], you will need to provide us with:

• Enough information to identify you [e.g., your full name, address and customer or matter reference number];
• Proof of your identity and address (e.g., a copy of your driving license); and
• Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.

We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf. FCS is not responsible for the security or confidentiality of any information once it has been provided to you.

We may ask you to verify your identity and provide us with additional information before acting on any of your requests. We may need to ask you for additional information to make sure we take the action requested for your information. We will only use additional personal information for this verification purpose.

If you use an authorized agent, we may require more information from either the authorized agent or from you to verify that you are the person directing the agent, including asking for signed permission for the authorized agent to submit a request to know or have us delete your personal information. Or we may require you to verify your identity directly with us or directly confirm with us that you gave the authorized agent permission to submit the request. If you ask for specific pieces of personal information, we may require you to attest under penalty of perjury that you are the consumer whose personal information is the subject of the request.

9. Non-Discrimination

You have the right to not be discriminated against or receive discriminatory treatment by us if you choose to exercise your rights under CCPA. Where permitted by applicable law, we may charge a reasonable fee to comply with your request.

10. Complaints about Privacy

If you are displeased with the way we are handling or have handled your personal information, you can contact the Office of the Attorney General in California for Californian data privacy matters.

11. Changes to this California Privacy Statement

This California Privacy Statement was last changed on 21 March 2026. Please be aware that we may change this California Privacy Statement in the future at any time, in our sole discretion and all modifications will be effective immediately upon our posting of the modifications on our website or notice board. Please check back from time to time to review our Privacy Policy and this California Privacy Statement which can be found at https://www.firstcreditonline.com/.

 

To view our Terms and Conditions, please visit our Terms and Conditions page.