Privacy Policy

Modern Collections, Inc. ("Modern Collections," "we," "us," or "our") provides a commercial collections platform and related third-party collection services for business-to-business receivables. This Privacy Policy explains how we collect, use, disclose, and protect personal information when you visit our website, request a demo, use our platform, access the debtor payment portal, communicate with us, or interact with our collection workflows.

We may collect the following categories of personal information:

• Contact and identity information, such as name, business email, phone number, company, role, and mailing address.
• Account and customer information, such as login details, creditor organization details, onboarding information, account settings, and API usage.
• Commercial receivables information, such as debtor business contact details, invoice details, payment status, dispute information, placement notes, communications, and collection activity.
• Communications information, such as emails, call recordings, transcripts, voicemail records, messages, support requests, and demo form submissions.
• Payment and transaction information, such as payment status, payment method metadata, billing details, and processor identifiers. Payment card details are handled by our payment processor.
• Compliance and audit information, such as consent status, outreach decisions, legal holds, risk flags, sanctions/KYB results, and immutable audit events.
• Device and usage information, such as IP address, browser type, pages viewed, referring URLs, timestamps, and diagnostic logs.
• Security information, such as authentication events, access logs, fraud signals, and abuse-prevention records.

We use personal information to:

• Provide, operate, secure, and improve our website, platform, payment portal, and collection services.
• Evaluate demo requests, respond to inquiries, and communicate with prospective customers.
• Onboard and verify creditors, including KYB, sanctions, risk, and compliance checks.
• Process placements, coordinate lawful collection activity, send communications, handle disputes, and support payment workflows.
• Make and document compliance decisions before outreach.
• Maintain audit trails, call records, transcripts, payment records, and operational logs.
• Detect, prevent, and investigate fraud, abuse, security incidents, and policy violations.
• Comply with legal, regulatory, accounting, tax, contractual, and dispute-resolution obligations.
• Send service communications and limited business-to-business marketing, where permitted.

Modern Collections may use voice, email, and automation tools in collection workflows. Calls may be recorded or transcribed where permitted by law and our compliance policies. We use recordings, transcripts, summaries, and related metadata for service delivery, quality assurance, compliance, auditability, dispute handling, and legal obligations.

We may disclose personal information to:

• Creditors and authorized customer users for whom we provide services.
• Debtors, debtor representatives, or business contacts as needed to resolve a placement, verify information, handle disputes, or process payment.
• Service providers and sub-processors that help us host, secure, operate, communicate, process payments, provide voice infrastructure, send email, perform enrichment, or support compliance checks.
• Payment processors for payment authorization, settlement, refunds, and reconciliation.
• Professional advisors, auditors, insurers, regulators, courts, law enforcement, or other parties when required or reasonably necessary for legal, compliance, security, or dispute purposes.
• Successors or assigns in connection with a merger, acquisition, financing, restructuring, or sale of assets.

We do not sell personal information. We do not knowingly share personal information for cross-context behavioral advertising. If that changes, we will update this policy and provide required choices.

We retain personal information for as long as reasonably necessary for the purposes described in this policy, including service delivery, compliance, audit, dispute handling, legal, tax, accounting, and security purposes. Collection, payment, audit, and compliance records may need to be retained longer than ordinary marketing records because they document regulated or legally relevant activity. Demo lead records are retained only as long as needed for sales follow-up, analytics, and business recordkeeping unless a longer period is required or permitted by law.

Depending on where you live, you may have rights to request access, correction, deletion, portability, restriction, objection, opt-out of certain processing, or information about our data practices. California residents may have rights under the CCPA/CPRA, including rights to know, delete, correct, and opt out of sale or sharing. We do not sell personal information or knowingly share it for cross-context behavioral advertising.

To make a privacy request, contact legal@moderncollections.io. We may need to verify your identity and authority before acting on a request. Some records may be retained where required or permitted by law, including collection, payment, dispute, compliance, audit, or security records.

Modern Collections is operated from the United States. If you access our services from outside the United States, your information may be processed in the United States and other jurisdictions where our service providers operate.

We use administrative, technical, and organizational safeguards designed to protect personal information. No system is completely secure, and we cannot guarantee absolute security.

Our services are intended for businesses and are not directed to children. We do not knowingly collect personal information from children.

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a new "Last updated" date.

Modern Collections, Inc.
Email: legal@moderncollections.io