Personal Information does not include:

1. Publicly available information from government records.
2. De-identified or aggregated consumer information.

We may collect the following types of information when you visit or interact with our website:

1. Personal information you or your creditor provide to Veritus, such as your name, mailing address, email address, telephone number, credit record account number, or payment information.

   1. When an account is placed with Veritus, the creditor may provide a range of information in the placement file, including (but not limited to): full name, date of birth, Social Security number, phone number, address, email address, account number, original creditor, current creditor, balance, and payment history.
   2. We may collect any information you provide to us directly, whether you contact us by phone, email, SMS, MMS, web applications, or other communication channels.
2. Information you submit through our online payment portal, dispute form, or contact form.
3. Non-personal information collected automatically, such as your IP address, browser type, device information, and website usage data through cookies or similar technologies.

   1. When you access Veritus emails or our website, we may collect and securely store various types of information, including but not limited to: your Internet Protocol (IP) address, browser type and language, Internet Service Provider (ISP), device type, operating system, date and time of access, user interaction data (such as mouse clicks and navigation within emails or web applications), Uniform Resource Locator (URL) information (e.g., referring and destination pages), and email open rates.

We collect most personal information from the party that places your account with Veritus for services—such as the original creditor, current creditor, or loan servicer—or directly from you or your authorized representative via phone or written communication. However, we may also collect information from the following sources:

1. From publicly accessible sources (e.g., property or other government records);
2. From our service providers (e.g., vendors specializing in call analytics, data sources, skip tracing, payment processing, mailing, and other services) who assist in verifying information such as addresses, phone numbers, and bankruptcy, service member or deceased status.

We regularly use or disclose personal information for one or more of the following business purposes:

1. Debt collection.
2. Responding to your requests, disputes, or questions.
3. Verifying your identity during communications. For example, when you contact our office, you may be asked to confirm personal information so we can verify your identity and account. You may decline to do so, but we may be unable to assist you if verification is not possible.
4. Processing payments you authorize.
5. Communicating with you about your account or resolving disputes.
6. Operating, maintaining, and improving our website and services.
7. Complying with applicable laws and regulations.
8. Fulfilling the purpose for which the information was provided (e.g., using payment details to process a payment).
9. Perform services on behalf of a business or service provider, including maintaining or servicing accounts, providing customer service, processing transactions, verifying customer information, processing payments, providing analytic services, or providing similar services on behalf of the business or service provider.
10. Auditing related to consumer interactions.
11. Detecting and protecting against security incidents, fraud, and other malicious, deceptive, or illegal activities, and prosecuting those responsible.
12. Debugging to identify and fix functionality issues.
13. Short-term, transient use, where personal information is not disclosed to third parties or used to build consumer profiles beyond the current interaction.
14. Verifying or maintaining the quality of a service or device we own, make, or control, including improvements or enhancements..
15. Responding to law enforcement requests and as required by applicable law or court order
16. Protecting the rights, property, or safety of us, our clients, or others.

Veritus Financial, LLC does not sell your personal information, except in limited cases where such information is included in a portfolio of accounts that is sold or reassigned. We may share your information only with the following parties:

1. The creditor who placed the account with us for collection.
2. Service providers and vendors who support our operations including those handling payment processing, website hosting, or communications (text/email/letter or call vendors).

   1. All service providers are contractually obligated to maintain the confidentiality of your personal information and use it solely for the purposes we specify.
3. Consumer Reporting Agencies as permitted by law.
4. Government agencies or law enforcement when required to comply with legal obligations.

Veritus Financial, LLC

2261 Market Street, Suite 85467, San Francisco, CA 94114

Phone Number: +1 (833) 200-0933

Email Address: [email protected]