Web Privacy Policy


Effective as of February 11, 2020

The Web Privacy Policy outlined below is applicable to information you submit to our web sites found at at www.mcm-ea.com and www.encoreadvantage.io (the "Sites"). It does not apply to information collected from other sources, including off-line information collection. For general information related to our collection and use of personally identifiable information from any source, including the Sites, please see our Privacy Notice .

We may change this Web Privacy Policy from time to time. The "Effective Date" legend at the top of the page indicates when this Web Privacy Policy was last revised.

Information We Collect 

MCM respects your right to privacy, and your right to be free from unwanted Internet intrusions. When a visitor contacts the Sites, we may collect personally identifying information such as name, street and e-mail addresses, phone numbers, the site the visitor linked from, and other information which, when used by itself or with other data, might identify that person ("Personally Identifiable Information").  Please note that we do not knowingly collect Personally Identifiable Information via the Sites that is subject to the California Consumer Privacy Act (the “CCPA”). For information on MCM’s policies related to the CCPA, please visit MCM’s homepage at www.midlandcredit.com. We typically collect Information from these sources:

Automatic Information.We receive and store some Information automatically when you interact with the Sites, such as information your web browser provides to our web server. Like many web sites, we use a variety of online platforms including but not limited to Google, Inc. search and display partners like Google Ads, and other platforms such as AdRoll and FullStory, that might collect “cookies.” Cookies are unique identifiers that we transfer to your device to enable us to recognize your device and to provide certain features to you.

The Help feature on most browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. Because cookies enable you to use certain features on the Sites, we recommend that you leave them turned on.

We use the Google Ads search and display networks to reach consumers.  The Google Ads platform allows us to communicate with consumers using tools such as standard and custom affinity audiences, in-market audiences, and demographic and location targeting. It also allows us to monitor the performance of our ads through conversion tracking. None of the information utilized or collected in these practices is Personally Identifiable Information. We also use Google Ads’ remarketing feature to reach specific audiences. Google utilizes cookies to display customized ads to consumers who have previously visited this website (mcm-ea.com and www.encoreadvantage.io). If you prefer not to receive these ads, you may opt out at any time by visiting Google's Ad Settings.

We use AdRoll's display network to reach our consumers. When you visit the Sites, we may utilize cookies that help us better understand your browsing behavior using our Sites. None of the information utilized or collected in these practices is Personally Identifiable Information. If you prefer not to receive these ads, you may opt out at any time by visiting http://optout.networkadvertising.org/#!/

We also use FullStory's session recording services to better understand how MCM's visitors use the Sites and to optimize the functionality of our Sites for the best user experience. We record and/or monitor your use of the Sites, such as pages visited, links clicked, text entered, and mouse movements, as well as information more commonly collected such as the referring URL, browser, operating system, cookie information, and Internet Service Provider. We also collect potentially Personally Identifiable Information like Internet Protocol (or "IP") addresses. Also, although we endeavor to redact certain Personally Identifiable Information from FullStory session recordings, you may choose to interact with the Sites in a manner that may result in your providing, and our recording the entry of, Personally Identifiable Information such as your name, email address, password, financial account details, and other sensitive information. MCM does not use information recorded via its usage of FullStory to identify its visitors and does not use such information other than under the circumstances described in this Web Privacy Policy or MCM's Privacy Notice. By using the Sites, you are aware and consent to our recording of your information and activity on our Sites for the purposes described herein. If you prefer that we do not record your web sessions, you may opt out here: https://www.fullstory.com/optout/

E-mail Messages.We receive and store information you provide to us through electronic mail ("e-mail") communications to us. Additionally, to help us make e-mails more useful and interesting, we may receive a confirmation when you open e-mail from the Sites if your computer supports such capabilities.

Mobile.When you download or use apps created by or for MCM or the Sites, we may receive information about your location and your mobile device, including a unique identifier for your device. We may use this information to provide you with location-based services, such as marketing, search results, and other personalized content. Most mobile devices allow you to turn off location services.

Information you provide to us. We receive and store information you enter on the Sites, for example, when you complete a search request, or voluntarily provide information in any other way on the Sites. If you prefer that we not collect and store information that you provide to us about you on the Sites, please do not provide it to us and do not access the Sites.

How We Use Your Information

Midland Credit Management, Inc. ("MCM," "We," or "Us") is a debt collector and our communications are an attempt to collect debt. Any information obtained may be used for that purpose. MCM will use and share Information that you provide through the Sites for the specific purpose for which you submitted the Information and/or as described in this Web App Privacy Notice. and in accordance with our Privacy Notice, and to assemble Information we obtain to assess the usefulness and popularity of the various web pages on our web site, or certain links to or from the Sites.

Information We Share with Third Parties

MCM may share certain information as set forth in our Privacy Notice.


We are committed to providing reasonable measures to protect your Information from any unauthorized access or disclosure, and use measures to protect your information. However, no web site is invulnerable, and you should also take sensible measures to safeguard your Information. We (like all websites) cannot warrant or guarantee 100% security of any information you transmit to us through the Sites.

Your Choices About Your Personally Identifiable Information

  • Managing      "Do Not Track" Signals. Some browsers have a Do Not Track      ("DNT") feature that lets you tell websites that you do not want      your online activities tracked. When you choose to turn on the DNT      setting in your browser, your browser sends a special signal to websites,      ad networks, plug-in providers, and other web services you encounter while      browsing to stop tracking your activity via cookies or other tracking      technologies.  MCM's Sites do not currently respond to DNT browser      signals or mechanisms.
  • Protections      for Children. The Sites are not designed for or targeted to children      under the age of 18. MCM will never knowingly solicit or collect      Personally Identifiable Information from a child under the age of 18      through the Sites. If we discover that a child under the age of 18      has submitted Personally Identifiable Information, we may delete that      information without further notice.
  • Commercial      Electronic Communications. If you do not wish to receive      electronic communications from us, you may opt-out of receiving future      electronic communications by clicking the unsubscribe link featured at the      top of our emails, contacting us at 844-280-3764 or changing your      setting in your online account at www.mcm-ea.com.
  • Push      Messages. As part of your use of the Sites, you may receive push      notifications or other types of messages directly sent to you outside or      inside the Sites (collectively, "Push Messages"). You may      control the Push Messages in your device's settings. Some of the Push      Messages may be related to your location or to your use of the Sites or their      content. Your carrier may charge standard messaging, data and other fees      for use of Push Messages, and these fees may appear on your mobile bill or      be deducted from your pre-paid balance. Your carrier may prohibit or      restrict certain Push Messages and certain Push Messages may be      incompatible with your carrier or mobile device. Contact your carrier with      questions regarding these issues. You may discontinue Push Messages in      your device's settings. We may collect information related to your use of      Push Messages. By visiting the Sites and agreeing to receive any Push      Messages, you agree that you own and control your device, that your device      is kept in a private location, and that third parties do not have access      to view any Push Messages that you may receive on that device.


The Sites may contain links to other web sites. MCM has no control over and assumes no responsibility for the privacy practices of such other web sites.

Must be Eighteen (18) Years of Age

The Sites are only intended for use by adults. If you are under 18, you may use the Sites only with the permission and involvement of a parent or legal guardian.

English Version Prevails

In the event this Web Privacy Policy is translated into other languages and there is a discrepancy between the two language versions, the English language version shall prevail.


The Sites are provided for information purposes only, and the information contained therein must not be relied on as credit or legal advice. The information contained in the Sites is provided only as general information. Because it is only updated periodically, such information may or may not reflect the most current information available to MCM; we cannot guarantee that it is correct or complete at any particular time. Further, MCM has no control over and does not guarantee the accuracy of information available through any links contained in the Sites.

Visitors to the Sites should not: (1) assume that information contained in the Sites is up to date; (2) rely upon any such information for any purpose without first seeking independent advice; and (3) provide any information to MCM through the Sites if the provider considers the information confidential, as the Sites may not be secure. Your providing information to MCM or the Sites does not create or result in any relationship between us and you, whether as credit advisor-consumer, attorney-client, or otherwise. Nothing contained in the Sites should be construed to constitute a recommendation or endorsement of any product, service or site by MCM.

Contacting Us

If you have questions or comments about this Web Privacy Policy, please contact us at 844-280-3764.

Changes to Our Web Privacy Policy

The Effective Date of this Web Privacy Policy is set forth at the top of this Web Privacy Policy. MCM may from time to time make changes to this Web Privacy Policy to reflect changes in legal or regulatory obligations or changes in the manner in which we collect and use Personally Identifiable Information. We will notify you by posting the modified Web Privacy Policy, and its effective date, on this page. For this reason, you should regularly review this Web Privacy Policy and note the effective date. Your continued use of the Sites after the Effective Date constitutes your acceptance of the amended Web Privacy Policy. The amended Web Privacy Policy supersedes all previous versions.

Please understand that this is a communication from a debt collector. This is an attempt to collect debt. Any information obtained will be used for that purpose