Effective as of February 11, 2020
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.
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/#!/
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
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
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.
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