Privacy Policy

ARARCM Recoveries is a debt collection agency attempting to collect a debt and any information obtained will be used for that purpose. 

The Collection Agency is committed to protecting your privacy. This Privacy Policy applies ARARCM Website and governs data collection and usage at all ARARCM sites and services; it does not apply to other online or offline sites, services and products. Please read the ARARCM Privacy Policy. ARARCM is a general audience website, intended for use of all ages. Personal information of all users is collected, used and disclosed as described in the this Privacy Policy.

Compliance

ARARCM is fully committed to compliance. The Compliance Program governs how the Collection Agency operates and mandates that our processes, systems and people practices conform to established, accepted standards. The written standards are prescriptive, and regular monitoring ensures compliance with federal, state, and local and regulations, as well as guarantees the protection of consumer information, including Protected Health Information “PHI”. Our Company Compliance Plan is formulated based on the following guiding principles that we expect team members and business partners to adopt as a condition of working for or doing business with the Company.

ARARCM has made a strong commitment to collect, use and disclose information in accordance with applicable state and federal laws, including the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

ARARCM is committed to the highest professional standards, and we treat every individual with respect and dignity. 

The regulations which govern collection activity in each state widely vary. Some require licensure, while others require registration and/or the posting of a bond. ARARCM is compliant with the individual regulations in each state we serve.  Our compliance team oversees the following to help our organization and our clients manage an ever evolving regulatory landscape:

• FDCPA and FCRA compliance
• HIPAA Compliance
• Contracts review
• Review of outgoing correspondence 
• Credit bureau management when applicable (deletion and updating of credit bureau reporting)
• Written dispute process management
• Letter review for FDCPA compliance
•  Research and knowledge of case law involving the collection industry

Collection of you Personal Information

 As an E-commerce websites, ARARCM collects personal information, such as your e-mail address, name, home or work address or telephone number. Information collected by ARARCM is used solely for the purpose of processing your online payments. ARARCM does not collect any information about your computer hardware and software.
 

ARARCM encourages you to review the privacy policy of websites you choose to link to from ARARCM so that you can understand how those websites collect, use and share your information. We are not responsible for the privacy statements or other content on websites outside of the ARARCM websites. 

Use of your Personal Information 

 ARARCM and its operational service partners collect and use your personal information to process payments requested.
 

ARARCM does not sell, rent or lease its customer lists to third parties. ARARCM may, from time to time, contact you on behalf of external business partners about a particular offering that may be of interest to you. In those cases, your personal information (e-mail, name, address, telephone number) is not transferred to the third party.
 

We occasionally hire other companies to provide limited services on our behalf, such as handling the processing and delivery of mailings, providing customer support, processing transactions, or performing statistical analysis of our services. We will only provide those companies the personal information they need to deliver the service. They are required to maintain the confidentiality of your information and are prohibited from using that information for any other purpose.
 

ARARCM does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your explicit consent.
 

Personal information about customer and/or patients may be collected during the account placement process. This information will NOT be made available to any other third parties.
 

ARARCM may access and/or disclose your personal information if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the edicts of the law or comply with legal process served on ARARCM or the site; (b) protect and defend the rights or property of ARARCM, including its website; or (c) act under exigent circumstances to protect the personal safety of users of ARARCM or the public.

ARARCM abides by the safe harbor framework as set forth by the U.S. Department of Commerce regarding the collection, use, and retention of data.

Security of Personal Information 

ARARCM is committed to protecting the security of your personal information. We use a variety of security technologies and procedures to help protect your personal information from unauthorized access, use, or disclosure. For example, we store the personal information you provide on computer systems with limited access that are located in a controlled facility. When we transmit highly confidential information (such as a credit card number) over the Internet, we use a secure payment gateway so your information is protected.

Staff Education

ARARCM has made a strong commitment to educate all team members regarding information practices and the proper handing and use of information obtained.

Changes to this Privacy Policy

ARARCM will occasionally update this Privacy Policy to reflect company and customer feedback. If there are material changes to this Statement or in how ARARCM will use your personal information, ARARCM will prominently post such changes prior to implementing the change. ARARCM encourages you to periodically review this Statement to be informed of how ARARCM is protecting your information.