Privacy Policy

🔒 Privacy Policy

Effective Date: May 22, 2024

Welcome to the Privacy Policy of Cortiva Solutions (“Cortiva Solutions,” “we,” “us,” or “our”). This policy explains how we collect, use, disclose, and protect your information in connection with our debt collection services and your use of our website, www.cortivasolutions.com (“Website”).

By accessing our Website or using our services, you agree to the terms outlined below.

1. 📥 Information We Collect

We collect information to operate effectively, serve our clients, and comply with legal obligations.

a. Information You Provide

Client Information

Name, company name, address, email, phone number

Financial details related to accounts placed for collection

Debtor account details

Debtor Information (provided by clients or directly by debtors)

Name, address, phone, email

Account numbers, balances, payment history

Employment and financial data (if legally permitted or voluntarily provided)

Communications

Any information shared via phone, email, mail, or contact forms

b. Information from Third Parties

We may receive debtor data from clients or third-party sources (e.g., skip tracing services, public records) solely for debt collection purposes, in compliance with applicable laws.

c. Automatically Collected Data

Log Data: IP address, browser type, operating system, pages viewed, access times

Cookies & Tracking: Used to improve site experience and security. You can manage cookie preferences via your browser.

2. 🎯 How We Use Your Information

We use collected data to:

Provide debt collection services

Manage client relationships and accounts

Respond to inquiries and provide support

Comply with laws (e.g., FDCPA, TCPA, state regulations)

Improve our services and Website functionality

Send marketing communications to clients and prospects (based on preferences)

3. 🔄 How We Share Your Information

We may share information:

With Clients: Updates on debtor accounts and collection progress

With Debtors: Direct communication regarding outstanding balances

With Service Providers: Payment processors, legal counsel, IT support—bound by confidentiality

For Legal Reasons: To comply with law, protect rights, prevent fraud, or respond to legal requests

Business Transfers: In case of merger or acquisition, with notice provided via email or Website

4. 🔐 Data Security

We use reasonable safeguards to protect your data. However, no method is 100% secure. We strive to maintain commercially acceptable standards but cannot guarantee absolute security.

5. ✅ Your Choices & Rights

For Clients

Marketing Opt-Out: Unsubscribe via email instructions

Access & Correction: Contact us to update your account info

For Debtors

Communication Preferences: You have rights under federal and state laws—contact us to customize how we reach you

Dispute a Debt: If you believe a debt is incorrect, contact us immediately to initiate a dispute

6. 📱 SMS (Text Message) Policy

By providing your mobile number, you consent to receive SMS updates about your account.

Frequency: Varies by account status

Rates: Message/data rates may apply

Opt-Out: Reply STOP to any message

Help: Reply HELP or call (512) 717-7303

7. 🍪 Cookies & Tracking Technologies

We use cookies to:

Operate and maintain our Website

Save your preferences

Analyze traffic and improve tools

You can disable cookies via browser settings, but some features may not function properly.

8. 🔗 External Links

Our Website may link to third-party sites. We are not responsible for their content or privacy practices. Please review their policies before engaging.

9. 🚫 Children's Privacy

Our services are not intended for individuals under 18. We do not knowingly collect data from minors. If you believe a child has provided us with personal data, contact us to request removal.

10. 🔄 Policy Updates

We may revise this Privacy Policy periodically. Updates will be posted here with a new effective date. We encourage you to review this page regularly.

11. 📞 Contact Us

If you have questions or concerns, reach out:

Cortiva Solutions 📍 Website: www.cortivasolutions.com 📞 Office: (512) 717-7303 📧 Email: clientservices@cortivasolutions.com 💬 Or use the contact form on our Website