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Text Content

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PIONEERING A NEW ERA
PAYMENTS PLATFORM

Experience efficiency and customer engagement for your
account receivables and payments processing with Arrears.  

Debt
management

Automated
communications

Debtors’
portal

Multiple payment
options

Work
in teams

Detailed reports
and analytics

API
integrations
Try demo
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THE MOST POWERFUL ADVANCED COLLECTION PROCESSES


TRANSFORM YOUR RECEIVABLES PROCESS

Set up workflows in minutes
Streamline communication, track payments and efficiency manage data
Eliminate manual processes and automate your receivables



ENHANCE CONVERSATIONS 
WITH AI

Enable debt collection chatbots to engage customers at scale
Improve the quality, efficiency, and accuracy of every interaction
Achieve customer satisfaction at a fraction of the cost


CREATE TRUE OMNI-CHANNEL EXPERIENCES

Create true omnichannel experiences that reach customers where they are
Reach every customer through their preferred channel, ensuring maximum
engagement
Deliver impactful messages tailored to each customer's optimal engagement time



LEVERAGE OUR
PLUG-AND-COLLECT® TECHNOLOGY

Access an all-in-one platform that integrates with all leading ERPs and CRMs
Begin instantly with our seamless integration of billing systems, and
communication channels


TRANSPARENT PRICING, UNPARALLELED SERVICE

Explore our flexible pricing options.
Experience efficient, AI-powered debt resolution at an affordable price with
Arrears.
Basic
$0
Free
Try for free
Includes:
Cloud-based debtor management
Dashboard configuration
Unlimited debtor accounts
Detailed data analytics
A.I Powered recovery planning
Pro
$99
Seat /
month
Join now
Includes Basic and:
White-labelled web-app
Collections campaign automation
Live agent two-way chat
Omni-channel payments
Generative A.I Chatbot
Automated dispute management
Enhanced communications
SMS
Email
WhatsApp
Enterprise
For organizations seeking added features and customized integration
Contact us
Includes Pro and:
Enterprise pricing
Dedicated API integrations
Hyper-personalized features
Supported channels
SMS
Email
WhatsApp


POWERED BY INNOVATION

Auto-Communication
Customizable debtors’ portal
Skip tracing
Detailed debt timeline
Work in teams
Internal & external debts
Reports and analytics
Automate payment reminders and query responses with our AI-powered chatbot.

Offer a variety of payment options on the customizable
white labeled debtor’s portal

Can’t reach debtors with available contacts?
Enable Skip tracing to find more contacts and reach your debtor faster.

Get the full story of interactions with debtors.
Messages, disputes, calls, portal visits and payments are available 24/7

Work in teams to be more efficient and resolve more debts.
‍

Are you working with 3rd party debts? Configure unique communication strategies
and customize debt portals for different sources of debts,

Get the full story of interactions with debtors.
Messages, disputes, calls, portal visits and payments are available 24/7



ENHANCE TEAM COLLABORATION FOR HOLISTIC ARREARS MANAGEMENT

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CONNECT DATA, WHEREVER IT LIVES

Effortlessly link Arrears platform with top-tier CRMs and ERPs,
empowering finance and other teams to unite, cooperate, and achieve more.


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BOOST COLLECTION SUCCESS WITH ARREARS

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Privacy PolicyTerms Of ServiceE-ConsentDevelopers
Copyright © 2023 Arrears Inc. All Rights Reserved



PRIVACY POLICY

This web page represents a legal document that serves as our Terms of Service
and it governs the legal terms of our website, resolvedebt.co, sub-domains, and
any associated web-based and mobile applications (collectively, “Website”), as
owned and operated by Resolve Debt, LLC. Capitalized terms, unless otherwise
defined, have the meaning specified within the Definitions section below. This
Terms of Service, along with our Privacy Policy, Payment Terms, any mobile
license agreement, and other posted guidelines within our Website, collectively
“Legal Terms”, constitute the entire and only agreement between you and Resolve
Debt, LLC., and supersede all other agreements, representations, warranties and
understandings with respect to our Website and the subject matter contained
herein. We may amend our Legal Terms at any time without specific notice to you.
The latest copies of our Legal Terms will be posted on our Website, and you
should review all Legal Terms prior to using our Website. After any revisions to
our Legal Terms are posted, you agree to be bound to any such changes to them.
Therefore, it is important for you to periodically review our Legal Terms to
make sure you still agree to them. By using our Website, you agree to fully
comply with and be bound by our Legal Terms. Please review them carefully. If
you do not accept our Legal Terms, do not access and use our Website. If you
have already accessed our Website and do not accept our Legal Terms, you should
immediately discontinue use of our Website. The last update to our Terms of
Service was posted on August 18, 2022.



DEFINITIONS

The terms “us” or “we” or “our” refers to Resolve Debt, LLC., the owner of the
Website.
‍
A “Visitor” is someone who merely browses our Website, but has not registered as
Member.
‍
A “Member” is an individual that has registered with us to use our Service.
‍
Our “Service” represents the collective functionality and features as offered
through our Website to our Members.
A “User” is a collective identifier that refers to either a Visitor or a Member.
‍
All text, information, graphics, audio, video, and data offered through our
Website are collectively known as our “Content”.



LEGAL COMPLIANCE

Our Website may contain our service marks or trademarks as well as those of our
affiliates or other companies, in the form of words, graphics, and logos. Your
use of our Website does not constitute any right or license for you to use such
service marks/trademarks, without the prior written permission of the
corresponding service mark/trademark owner. Our Website is also protected under
international copyright laws. The copying, redistribution, use or publication by
you of any portion of our Website is strictly prohibited. Your use of our
Website does not grant you ownership rights of any kind in our Website.



LINKS TO OTHER WEBSITES

Our Website may contain links to third party websites. These links are provided
solely as a convenience to you. By linking to these websites, we do not create
or have an affiliation with, or sponsor such third party websites. The inclusion
of links within our Website does not constitute any endorsement, guarantee,
warranty, or recommendation of such third party websites. Resolve Debt, LLC. has
no control over the legal documents and privacy practices of third party
websites; as such, you access any such third party websites at your own risk.



GENERAL TERMS

Our Legal Terms shall be treated as though it were executed and performed in WY,
USA, and shall be governed by and construed in accordance with the laws of WY,
USA, without regard to conflict of law principles. In addition, you agree to
submit to the personal jurisdiction and venue of such courts. Any cause of
action by you with respect to our Website, must be instituted within one (1)
year after the cause of action arose or be forever waived and barred. Should any
part of our Legal Terms be held invalid or unenforceable, that portion shall be
construed consistent with applicable law and the remaining portions shall remain
in full force and effect. To the extent that any Content in our Website
conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take
precedence. Our failure to enforce any provision of our Legal Terms shall not be
deemed a waiver of such provision nor of the right to enforce such provision.
The rights of Resolve Debt, LLC. under our Legal Terms shall survive the
termination of our Legal Terms.





TERMS OF SERVICE

ResolveDebt will retain your personal information for the period required to
fulfill our services, meet our contractual obligations, and as required by law.
 When assessing these periods we only retain it for the shortest possible period
unless a longer retention period is required by law. Access to Personal
Information
You can help ensure that your contact information and preferences are accurate,
complete, and up to date. You can view your account information through any of
the links in a ResolveDebt email.
To request that we correct the data, if it is inaccurate, email
support@resolvedebt.co or call 1-800-580-4191. You can also request we delete
the data if we are not required to retain it for legitimate business purposes or
by law.


PERSONAL INFORMATION WE COLLECT


Personal identification information is data that can be used to identify or
contact you. In order to provide and improve our services, we collect personal
information. Most of the information we have is provided to us by the creditor
and/or collected directly through the use of our services, emails, web
applications, and phone calls. If you apply for a job at ResolveDebt or sign up
for our newsletters, webinars or any of our client-directed resources, we
collect the information you provide on the forms.Here are some examples of the
types of personal information ResolveDebt may collect and how we use it:

 * When an account is added to ResolveDebt the creditor provides a variety of
   information 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, payment history.

 * We may collect any information that you provide to us directly whether you
   contact us by phone, email, sms, web applications, or other channel. For
   example, when you access Resolve Debt web applications and fill out a form or
   sign up for a payment plan and provide information such as your first and
   last name, email address, mailing address, phone number, credit card
   information and/or other personal identifying information.

 * When you access ResolveDebt URL links, emails or our web applications we may
   collect a variety of information and store it in log files, including, but
   not limited to Internet Protocol (IP) address, browser type and language,
   Internet service provider (ISP), type of computer, operating system,
   date/time stamp, user interface interaction data (such as, but not limited
   to, any mouse clicks or navigation on our emails and web applications),
   uniform resource locator (URL) information (showing where you came from or
   where you go to next), email open rates, credit card, bank account
   information.


USING PERSONAL INFORMATION


We use personal information to properly identify the specific consumers for whom
we provide our services, to provide and improve our services, to analyze trends,
administer our web applications, learn about user behavior on our emails and web
applications, to comply with state, federal and local laws and to demonstrate
compliance with those laws.
Here are some examples of how ResolveDebt uses personal information:

 * We use personal information to send you communications about your account.

 * We use your personal information to verify your identity. For example, when
   you contact our office you will be asked to provide your personal information
   so that we can verify your identity and account. We may ask you to provide
   your full name, address, email address, or other identifying information. You
   can always refuse to supply personal information, except that we may not be
   able to communicate if we are unable to verify your identity and/or account.

 * We use personal information to process payments and other account activity
   you authorize.

 * We use personal information to help us create, develop and improve our
   content and services, including through internal auditing and data analysis.

 * If you apply for a job at Resolve Debt we use the information we receive to
   evaluate your candidacy and contact you.

 * If you sign up for a webinar, request a demo, or fill out one of our forms,
   we may reach out to you to sell our services.

In all of our emails we use pixel tags. Depending on your email provider, pixel
tags can enable us to tell us whether the email has been opened. If you prefer
not to be tracked in this way, you should not open our emails.
In most of our email messages, we use a “click-through URL” linked to webpages
on the arrears.com site and some linked to web pages on third party sites (see
Third Party Websites below). We track this click-through data to help us
determine interest in particular topics, measure the effectiveness of our
customer communications, and send you emails related to your activity on our
website. If you prefer not to be tracked in this way, you should not click text
or graphic links in the email messages.
Resolve Debt’s web applications may also use cookies to gather information so
that we can improve the effectiveness of our services. You may choose to set
your web browser to refuse cookies or to alert you when cookies are being sent
but some parts of the website may not function properly without accepting
cookies.
Resolve Debt web applications do not recognize or act on “do not track” requests
from a browser. The information we receive through tracking is treated as
non-personal information unless local law requires we treat it as personal
information. Additionally, if this information is combined with personal
information, we treat the combined information as personal information for the
purposes of this Privacy Policy.


SOURCES OF PERSONAL INFORMATION


We received your personal information from the party placing your account with
Resolve Debt for services, such as the creditor, current creditor or servicer.
We also receive information from you directly either through a phone call, email
correspondence and/or through visits to our web applications. We also sometimes
receive information from third party vendors who help us confirm the validity of
our information as it relates to address, phone number, bankruptcy, and deceased
information.
If you are a potential candidate for employment with Resolve Debt, we may have
received your personal information from a recruiter or external website. If you
are a potential client and have expressed interest in Resolve Debt’s services or
we think you have a legitimate business need for our services, we may have
received your information from a lead-generation service or external website
such as Zoominfo.


DISCLOSURE TO THIRD PARTIES


We only share personal information with a limited number of third party service
providers who help us provide our services, including, but not limited to,
payment processing, mailing, information verification, managing and enhancing
customer data, improving our product and services.  When we share information,
we require those third parties to handle it in accordance with relevant laws. If
you so authorize, we also may share your email or other information you permit
with our affiliates.
When sharing we only share the minimum amount of information necessary for the
particular third party to assist us in providing our services. Here are some
examples of how ResolveDebt shares personal information:

 * For payment processing, we share your credit card or bank information to the
   card-issuing bank to complete the payment you authorized.

 * For content delivery, we share your email address, physical address, or phone
   number with the delivery service to deliver any communication, message, or
   requested account documents.

 * For collectibility, we share name and address to ensure no bankruptcy,
   deceased, address or phone number changes have occurred since we received the
   account.

 * For licensed debt collectors, we may be required to share account information
   with state regulators conducting an audit pursuant to state or federal
   licensing statutes.

 * After your authorization, we share your email with our affiliates who may
   email you about their products and services.

 * We may be occasionally required by law enforcement or judicial authorities to
   provide information. We will disclose personal information pursuant to a
   court order, subpoena, or to cooperate with a law enforcement investigation.

We may also be required by law to provide your information to a local, state or
federal government authority or court. We will only disclose information in
these instances when there is a lawful basis or if disclosure is reasonably
necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer any and all
personal information we collect to the relevant third party.
We may share generic aggregated demographic information not linked to any
personally identifiable information with our clients, potential clients, and
federal, state and local regulators regarding visitors and users, and their
interaction with our products and services.


NO SALE


We do not sell personal information. We do not allow our third-party service
providers to sell this information or otherwise use it for marketing purposes.


INTEGRITY AND RETENTION OF PERSONAL INFORMATION


ResolveDebt will retain your personal information for the period required to
fulfill our services, meet our contractual obligations, and as required by law.
 When assessing these periods we only retain it for the shortest possible period
unless a longer retention period is required by law. Access to Personal
Information
You can help ensure that your contact information and preferences are accurate,
complete, and up to date. You can view your account information through any of
the links in a ResolveDebt email.
To request that we correct the data, if it is inaccurate, email
support@resolvedebt.co or call 1-800-580-4191. You can also request we delete
the data if we are not required to retain it for legitimate business purposes or
by law.


HOW WE PROTECT YOUR INFORMATION


Resolve Debt is serious about data security. We recognize the importance of
maintaining the security of our customers’ personal information and use
reasonable security measures, including physical, administrative, and technical
safeguards. These measures may include physical and technical security access
controls or other safeguards, information security technologies and policies,
procedures to help ensure the appropriate disposal of information, and training
programs. For example, ResolveDebt protects your personal information during
transit using encryption such as Transport Layer Security (TLS) and at rest
using encryption such as AES 256. When your personal data is stored by Resolve
Debt, we use computer systems with limited access housed in facilities using
physical security measures.
Unfortunately, no data transmission over the internet or any wireless network
can be guaranteed to be 100 percent secure. While we strive to protect your
information, you acknowledge that by continued use of our site there are certain
security and privacy limitations beyond our control, and that the security,
integrity, and privacy of any and all information exchanged between Resolve Debt
and our customers over the internet cannot be fully guaranteed from being viewed
or tampered with in transit by a determined third party.


THIRD PARTY WEBSITES


You may find links to third party websites on the Resolve Debt web applications.
We do not control the content or links that appear on these sites and are not
responsible for the practices employed by websites linked to or from our site.
In addition, these sites or services, including their content and links, may be
constantly changing. These sites and services may have their own privacy
policies and customer service policies. Browsing and interaction on any other
website is subject to that website’s own terms and policies.


HOW WE DELETE


We are required to keep your data due to the underlying contractual relationship
debtors and the creditors. We are also required to keep the personal information
for legal reasons for as long as the statute of limitations period lasts for the
type of account in collections and for other statutory obligations which
sometimes are longer (such as a state licensing statute requiring us to maintain
records for a certain period of time or the statute of limitations for a
consumer financial law). Once our legal obligation to keep your personal
information has expired, we delete the information from our systems in
accordance with our data retention policies and procedures.


CONTACTING US


If You have any questions about this Privacy Policy please contact ResolveDebt:
Email: support@resolvedebt.co
Phone: 1-800-580-4191
California Consumer Privacy Act
Requests to Know or Delete
‍
For California consumers email support@resolvedebt.co or call 1-800-580-4191 to
exercise your rights.


DIRECT CREDITOR REQUESTS


Information concerning how you can exercise your rights directly with the
creditor or current creditor of your account can be found here.




GENERAL



RESOLVE E-SIGN CONSENT


Last updated: August, 10, 2022

Resolve Debt, LLC. and its affiliates and third party service providers
(“Resolve”) may need to provide you with certain communications, notices,
agreements, billing statements, or disclosures in writing (“Communications”)
regarding our Services. Your agreement to this E-sign Consent confirms your
ability and consent to receive Communications electronically from Resolve, its
affiliates, and its third party service providers, rather than in paper form,
and to the use of electronic signatures in our relationship with you
(“Consent”). If you choose not to agree to this Consent or you withdraw your
consent, you may be restricted from using the Services.
Electronic Delivery of Communications and Use of Electronic Signatures
Under this Consent, Resolve may provide all Communications electronically by
email, by text message, or by making them accessible via Resolve websites or
applications. Communications include, but are not limited to, (1) agreements and
policies required to use the Services (e.g. this Consent, the Resolve Privacy
Notice, the Resolve Seller Agreement, the Resolve Commercial Entity Agreement,
and the Resolve Cash Agreement), (2) payment authorizations and transaction
receipts or confirmations, (3) account statements and history, (4) and all
federal and state tax statements and documents. We may also use electronic
signatures and obtain them from you.


SYSTEM REQUIREMENTS


To access and retain the electronic Communications, you will need the following:
- A computer or mobile device with Internet or mobile connectivity.
- For desktop website-based Communications:
- Recent web browser that includes 256-bit encryption;
- The browser must have cookies enabled. Use of browser extensions may impair
full website functionality; and
- Minimum recommended browser standards are the most recent versions of Mozilla
Firefox (see http://www.mozilla.com for latest version), Apple Safari (see
http://www.apple.com/safari for latest version), or Google Chrome (see
http://www.google.com/chrome for latest version).
For application-based Communications:
- A recent device operating system that supports text messaging, downloading,
and applications from the Apple App Store or Google Play store; and
- The most recent versions of Apple Safari or Google Chrome on iOS or Google
Chrome for Android OS.
- Access to the email address used to create an account for Resolve Services.
- Sufficient storage space to save Communications and/or a printer to print
them.
- If you use a spam filter that blocks or re-routes emails from senders not
listed in your email address book, you must add noreply@messaging.resolvedebt.co
to your email address book.


PAPER DELIVERY OF COMMUNICATIONS


You have the right to receive Communications in paper form. To request a paper
copy of any Communication at no charge, please write to Resolve Debt, LLC.,1309
Coffeen Avenue STE 5190 Sheridan, Wyoming 82801, USA, Attn: Customer Support -
Legal (“Resolve Address”) within 180 days of the date of the Disclosure,
specifying in detail the Communication you would like to receive. For the
avoidance of doubt, requesting a paper copy of any Communication, in and of
itself, will not be treated as withdrawal of consent to receive electronic
Communications.


WITHDRAWAL OF CONSENT TO ELECTRONIC COMMUNICATIONS


You may withdraw your consent to receive electronic Communications at any time,
by writing to the Resolve Address. However, withdrawal of your consent to
receive electronic Communications may result in termination of your access to
Services. Any withdrawal of your consent will be effective after a reasonable
period of time for processing your request, and Resolve will confirm your
withdrawal of consent and its effective date in writing (either electronically
or in paper form).


UPDATING YOUR EMAIL ADDRESS


You can change your email address by writing to the Resolve Address. You may
also be able to change your email address yourself through the Services.




PRIVACY POLICY

This web page represents a legal document that serves as our Terms of Service
and it governs the legal terms of our website, resolvedebt.co, sub-domains, and
any associated web-based and mobile applications (collectively, “Website”), as
owned and operated by Arrears, Inc. Capitalized terms, unless otherwise defined,
have the meaning specified within the Definitions section below. These Terms of
Service, along with our Privacy Policy, Payment Terms, any mobile license
agreement, and other posted guidelines within our Website, collectively “Legal
Terms”, constitute the entire and only agreement between you and Arrears, Inc.,
and supersede all other agreements, representations, warranties and
understandings with respect to our Website and the subject matter contained
herein. We may amend our Legal Terms at any time without specific notice to you.
The latest copies of our Legal Terms will be posted on our Website, and you
should review all Legal Terms prior to using our Website. After any revisions to
our Legal Terms are posted, you agree to be bound to any such changes to them.
Therefore, it is important for you to periodically review our Legal Terms to
make sure you still agree to them. By using our Website, you agree to fully
comply with and be bound by our Legal Terms. Please review them carefully. If
you do not accept our Legal Terms, do not access and use our Website. If you
have already accessed our Website and do not accept our Legal Terms, you should
immediately discontinue use of our Website. The last update to our Terms of
Service was posted on August 18, 2022.



DEFINITIONS

The terms “us” or “we” or “our” refers to Arrears, Inc., the owner of the
Website.
‍
A “Visitor” is someone who merely browses our Website, but has not registered as
Member.
‍
A “Member” is an individual that has registered with us to use our Service.
‍
Our “Service” represents the collective functionality and features as offered
through our Website to our Members.
A “User” is a collective identifier that refers to either a Visitor or a Member.
‍
All text, information, graphics, audio, video, and data offered through our
Website are collectively known as our “Content”.



LEGAL COMPLIANCE

Our Website may contain our service marks or trademarks as well as those of our
affiliates or other companies, in the form of words, graphics, and logos. Your
use of our Website does not constitute any right or license for you to use such
service marks/trademarks, without the prior written permission of the
corresponding service mark/trademark owner. Our Website is also protected under
international copyright laws. The copying, redistribution, use or publication by
you of any portion of our Website is strictly prohibited. Your use of our
Website does not grant you ownership rights of any kind in our Website.



LINKS TO OTHER WEBSITES

Our Website may contain links to third party websites. These links are provided
solely as a convenience to you. By linking to these websites, we do not create
or have an affiliation with, or sponsor such third party websites. The inclusion
of links within our Website does not constitute any endorsement, guarantee,
warranty, or recommendation of such third party websites. Arrears, Inc. has no
control over the legal documents and privacy practices of third party websites;
as such, you access any such third party websites at your own risk.



GENERAL TERMS

Our Legal Terms shall be treated as though it were executed and performed in DE,
USA, and shall be governed by and construed in accordance with the laws of DE,
USA, without regard to conflict of law principles. In addition, you agree to
submit to the personal jurisdiction and venue of such courts. Any cause of
action by you with respect to our Website, must be instituted within one (1)
year after the cause of action arose or be forever waived and barred. Should any
part of our Legal Terms be held invalid or unenforceable, that portion shall be
construed consistent with applicable law and the remaining portions shall remain
in full force and effect. To the extent that any Content in our Website
conflicts or is inconsistent with our Legal Terms, our Legal Terms shall take
precedence. Our failure to enforce any provision of our Legal Terms shall not be
deemed a waiver of such provision nor of the right to enforce such provision.
The rights of Arrears, Inc. under our Legal Terms shall survive the termination
of our Legal Terms.



TERMS OF SERVICE

Resolve Debt will retain your personal information for the period required to
fulfill our services, meet our contractual obligations, and as required by law.
When assessing these periods we only retain it for the shortest possible period
unless a longer retention period is required by law. Access to Personal
Information
You can help ensure that your contact information and preferences are accurate,
complete, and up to date. You can view your account information through any of
the links in a arrears.com email.
To request that we correct the data, if it is inaccurate, email
support@arrears.com. You can also request we delete the data if we are not
required to retain it for legitimate business purposes or by law.


PERSONAL INFORMATION WE COLLECT


Personal identification information is data that can be used to identify or
contact you. In order to provide and improve our services, we collect personal
information. Most of the information we have is provided to us by the creditor
and/or collected directly through the use of our services, emails, web
applications, and phone calls. If you apply for a job at Resolve Debt or sign up
for our newsletters, webinars or any of our client-directed resources, we
collect the information you provide on the forms. Here are some examples of the
types of personal information Resolve Debt may collect and how we use it:

 * When an account is added to Resolve Debt the creditor provides a variety of
   information 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, payment history.

 * We may collect any information that you provide to us directly whether you
   contact us by phone, email, sms, web applications, or other channel. For
   example, when you access Resolve Debt web applications and fill out a form or
   sign up for a payment plan and provide information such as your first and
   last name, email address, mailing address, phone number, credit card
   information and/or other personal identifying information.

 * When you access Resolve Debt URL links, emails or our web applications we may
   collect a variety of information and store it in log files, including, but
   not limited to Internet Protocol (IP) address, browser type and language,
   Internet service provider (ISP), type of computer, operating system,
   date/time stamp, user interface interaction data (such as, but not limited
   to, any mouse clicks or navigation on our emails and web applications),
   uniform resource locator (URL) information (showing where you came from or
   where you go to next), email open rates, credit card, bank account
   information.


USING PERSONAL INFORMATION


We use personal information to properly identify the specific consumers for whom
we provide our services, to provide and improve our services, to analyze trends,
administer our web applications, learn about user behavior on our emails and web
applications, to comply with state, federal and local laws and to demonstrate
compliance with those laws.
Here are some examples of how Resolve Debt uses personal information:

 * We use personal information to send you communications about your account.

 * We use your personal information to verify your identity. For example, when
   you contact our office you will be asked to provide your personal information
   so that we can verify your identity and account. We may ask you to provide
   your full name, address, email address, or other identifying information. You
   can always refuse to supply personal information, except that we may not be
   able to communicate if we are unable to verify your identity and/or account.

 * We use personal information to process payments and other account activity
   you authorize.

 * We use personal information to help us create, develop and improve our
   content and services, including through internal auditing and data analysis.

 * If you apply for a job at Resolve Debt we use the information we receive to
   evaluate your candidacy and contact you.

 * If you sign up for a webinar, request a demo, or fill out one of our forms,
   we may reach out to you to sell our services.

In all of our emails we use pixel tags. Depending on your email provider, pixel
tags can enable us to tell us whether the email has been opened. If you prefer
not to be tracked in this way, you should not open our emails.
In most of our email messages, we use a “click-through URL” linked to webpages
on the arrears.com site and some linked to web pages on third party sites (see
Third Party Websites below). We track this click-through data to help us
determine interest in particular topics, measure the effectiveness of our
customer communications, and send you emails related to your activity on our
website. If you prefer not to be tracked in this way, you should not click text
or graphic links in the email messages.
Resolve Debt’s web applications may also use cookies to gather information so
that we can improve the effectiveness of our services. You may choose to set
your web browser to refuse cookies or to alert you when cookies are being sent
but some parts of the website may not function properly without accepting
cookies.
Resolve Debt web applications do not recognize or act on “do not track” requests
from a browser. The information we receive through tracking is treated as
non-personal information unless local law requires we treat it as personal
information. Additionally, if this information is combined with personal
information, we treat the combined information as personal information for the
purposes of this Privacy Policy.


SOURCES OF PERSONAL INFORMATION


We received your personal information from the party placing your account with
Resolve Debt for services, such as the creditor, current creditor or servicer.
We also receive information from you directly either through a phone call, email
correspondence and/or through visits to our web applications. We also sometimes
receive information from third party vendors who help us confirm the validity of
our information as it relates to address, phone number, bankruptcy, and deceased
information.
If you are a potential candidate for employment with Resolve Debt, we may have
received your personal information from a recruiter or external website. If you
are a potential client and have expressed interest in Resolve Debt’s services or
we think you have a legitimate business need for our services, we may have
received your information from a lead-generation service or external website
such as Zoominfo.


DISCLOSURE TO THIRD PARTIES


We only share personal information with a limited number of third party service
providers who help us provide our services, including, but not limited to,
payment processing, mailing, information verification, managing and enhancing
customer data, improving our product and services.  When we share information,
we require those third parties to handle it in accordance with relevant laws. If
you so authorize, we also may share your email or other information you permit
with our affiliates.
When sharing we only share the minimum amount of information necessary for the
particular third party to assist us in providing our services. Here are some
examples of how ResolveDebt shares personal information:

 * For payment processing, we share your credit card or bank information to the
   card-issuing bank to complete the payment you authorized.

 * For content delivery, we share your email address, physical address, or phone
   number with the delivery service to deliver any communication, message, or
   requested account documents.

 * For collectibility, we share name and address to ensure no bankruptcy,
   deceased, address or phone number changes have occurred since we received the
   account.

 * For licensed debt collectors, we may be required to share account information
   with state regulators conducting an audit pursuant to state or federal
   licensing statutes.

 * After your authorization, we share your email with our affiliates who may
   email you about their products and services.

 * We may be occasionally required by law enforcement or judicial authorities to
   provide information. We will disclose personal information pursuant to a
   court order, subpoena, or to cooperate with a law enforcement investigation.

We may also be required by law to provide your information to a local, state or
federal government authority or court. We will only disclose information in
these instances when there is a lawful basis or if disclosure is reasonably
necessary to demonstrate compliance with the law.
In the event of a reorganization, merger or sale we may transfer any and all
personal information we collect to the relevant third party.
We may share generic aggregated demographic information not linked to any
personally identifiable information with our clients, potential clients, and
federal, state and local regulators regarding visitors and users, and their
interaction with our products and services.


NO SALE


We do not sell personal information. We do not allow our third-party service
providers to sell this information or otherwise use it for marketing purposes.


INTEGRITY AND RETENTION OF PERSONAL INFORMATION


Resolve Debt will retain your personal information for the period required to
fulfill our services, meet our contractual obligations, and as required by law.
When assessing these periods we only retain it for the shortest possible period
unless a longer retention period is required by law. Access to Personal
Information
You can help ensure that your contact information and preferences are accurate,
complete, and up to date. You can view your account information through any of
the links in a arrears.com email.
To request that we correct the data, if it is inaccurate, email
support@arrears.com. You can also request we delete the data if we are not
required to retain it for legitimate business purposes or by law.


HOW WE PROTECT YOUR INFORMATION


Resolve Debt is serious about data security. We recognize the importance of
maintaining the security of our customers’ personal information and use
reasonable security measures, including physical, administrative, and technical
safeguards. These measures may include physical and technical security access
controls or other safeguards, information security technologies and policies,
procedures to help ensure the appropriate disposal of information, and training
programs. For example, ResolveDebt protects your personal information during
transit using encryption such as Transport Layer Security (TLS) and at rest
using encryption such as AES 256. When your personal data is stored by Resolve
Debt, we use computer systems with limited access housed in facilities using
physical security measures.
Unfortunately, no data transmission over the internet or any wireless network
can be guaranteed to be 100 percent secure. While we strive to protect your
information, you acknowledge that by continued use of our site there are certain
security and privacy limitations beyond our control, and that the security,
integrity, and privacy of any and all information exchanged between Resolve Debt
and our customers over the internet cannot be fully guaranteed from being viewed
or tampered with in transit by a determined third party.


THIRD PARTY WEBSITES


You may find links to third party websites on the Resolve Debt web applications.
We do not control the content or links that appear on these sites and are not
responsible for the practices employed by websites linked to or from our site.
In addition, these sites or services, including their content and links, may be
constantly changing. These sites and services may have their own privacy
policies and customer service policies. Browsing and interaction on any other
website is subject to that website’s own terms and policies.


HOW WE DELETE


We are required to keep your data due to the underlying contractual relationship
debtors and the creditors. We are also required to keep the personal information
for legal reasons for as long as the statute of limitations period lasts for the
type of account in collections and for other statutory obligations which
sometimes are longer (such as a state licensing statute requiring us to maintain
records for a certain period of time or the statute of limitations for a
consumer financial law). Once our legal obligation to keep your personal
information has expired, we delete the information from our systems in
accordance with our data retention policies and procedures.


CONTACTING US


If You have any questions about this Privacy Policy please contact Resolve Debt:
Email: privacy@arrears.com
California Consumer Privacy Act
Requests to Know or Delete
‍
For California consumers email privacy@arrears.com or call 1-800-580-4191 to
exercise your rights.


DIRECT CREDITOR REQUESTS


Information concerning how you can exercise your rights directly with the
creditor or current creditor of your account can be found here.


GENERAL



RESOLVE E-SIGN CONSENT


Last updated: August, 10, 2022

Arrears, Inc. (Arrears.com) and its affiliates and third party service providers
(“Resolve”) may need to provide you with certain communications, notices,
agreements, billing statements, or disclosures in writing (“Communications”)
regarding our Services. Your agreement to this E-sign Consent confirms your
ability and consent to receive Communications electronically from Resolve, its
affiliates, and its third party service providers, rather than in paper form,
and to the use of electronic signatures in our relationship with you
(“Consent”). If you choose not to agree to this Consent or you withdraw your
consent, you may be restricted from using the Services.
Electronic Delivery of Communications and Use of Electronic Signatures
Under this Consent, Arrears may provide all Communications electronically by
email, by text message, or by making them accessible via Resolve websites or
applications. Communications include, but are not limited to, (1) agreements and
policies required to use the Services (e.g. this Consent, the Resolve Privacy
Notice, the Resolve Seller Agreement, the Arrears Commercial Entity Agreement,
and the Resolve Cash Agreement), (2) payment authorizations and transaction
receipts or confirmations, (3) account statements and history, (4) and all
federal and state tax statements and documents. We may also use electronic
signatures and obtain them from you.


SYSTEM REQUIREMENTS


To access and retain the electronic Communications, you will need the following:
- A computer or mobile device with Internet or mobile connectivity.
- For desktop website-based Communications:
- Recent web browser that includes 256-bit encryption;
- The browser must have cookies enabled. Use of browser extensions may impair
full website functionality; and
- Minimum recommended browser standards are the most recent versions of Mozilla
Firefox (see http://www.mozilla.com for latest version), Apple Safari (see
http://www.apple.com/safari for latest version), or Google Chrome (see
http://www.google.com/chrome for latest version).
For application-based Communications:
- A recent device operating system that supports text messaging, downloading,
and applications from the Apple App Store or Google Play store; and
- The most recent versions of Apple Safari or Google Chrome on iOS or Google
Chrome for Android OS.
- Access to the email address used to create an account for Resolve Services.
- Sufficient storage space to save Communications and/or a printer to print
them.
- If you use a spam filter that blocks or re-routes emails from senders not
listed in your email address book, you must add noreply@messaging.resolvedebt.co
to your email address book.


PAPER DELIVERY OF COMMUNICATIONS


You have the right to receive Communications in paper form. To request a paper
copy of any Communication at no charge, please write to requests@arrears.com,
Attn: Customer Support - Legal (\within 180 days of the date of the Disclosure,
specifying in detail the Communication you would like to receive. For the
avoidance of doubt, requesting a paper copy of any Communication, in and of
itself, will not be treated as withdrawal of consent to receive electronic
Communications.


WITHDRAWAL OF CONSENT TO ELECTRONIC COMMUNICATIONS


You may withdraw your consent to receive electronic Communications at any time,
by writing to the Resolve Address. However, withdrawal of your consent to
receive electronic Communications may result in termination of your access to
Services. Any withdrawal of your consent will be effective after a reasonable
period of time for processing your request, and Resolve will confirm your
withdrawal of consent and its effective date in writing (either electronically
or in paper form).


UPDATING YOUR EMAIL ADDRESS


You can change your email address by writing to the Resolve Address. You may
also be able to change your email address yourself through the Services.

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Adi
Growth Manager
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