PRIVACY POLICY
- Visit our website
at https://www.bhrllc.com or any website of ours that links to this Privacy Notice
- Engage with us in other related ways, including any marketing or events
SUMMARY OF KEY POINTS
TABLE OF CONTENTS
1. WHAT INFORMATION DO WE COLLECT?
Personal information you disclose to us
In Short: We collect personal information that you provide to us.names
phone numbers
email addresses
Information automatically collected
In Short: Some information — such as your Internet Protocol (IP) address and/or browser and device characteristics — is collected automatically when you visit our Services.- Log and Usage Data. Log and usage data is service-related, diagnostic, usage, and performance information our servers automatically collect when you access or use our Services and which we record in log files. Depending on how you interact with us, this log data may include your IP address, device information, browser type, and settings and information about your activity in the Services (such as the date/time stamps associated with your usage, pages and files viewed, searches, and other actions you take such as which features you use), device event information (such as system activity, error reports (sometimes called
"crash dumps" ), and hardware settings).
- Device Data. We collect device data such as information about your computer, phone, tablet, or other device you use to access the Services. Depending on the device used, this device data may include information such as your IP address (or proxy server), device and application identification numbers, location, browser type, hardware model, Internet service provider and/or mobile carrier, operating system, and system configuration information.
- Location Data. We collect location data such as information about your device's location, which can be either precise or imprecise. How much information we collect depends on the type and settings of the device you use to access the Services. For example, we may use GPS and other technologies to collect geolocation data that tells us your current location (based on your IP address). You can opt out of allowing us to collect this information either by refusing access to the information or by disabling your Location setting on your device. However, if you choose to opt out, you may not be able to use certain aspects of the Services.
Google API
Our use of information received from Google APIs will adhere to Google API Services User Data Policy, including the Limited Use requirements.2. HOW DO WE PROCESS YOUR INFORMATION?
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law.- To identify usage trends. We may process information about how you use our Services to better understand how they are being used so we can improve them.
3. WHAT LEGAL BASES DO WE RELY ON TO PROCESS YOUR INFORMATION?
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e.- If collection is clearly in the interests of an individual and consent cannot be obtained in a timely way
- For investigations and fraud detection and prevention
- For business transactions provided certain conditions are met
- If it is contained in a witness statement and the collection is necessary to assess, process, or settle an insurance claim
- For identifying injured, ill, or deceased persons and communicating with next of kin
- If we have reasonable grounds to believe an individual has been, is, or may be victim of financial abuse
- If it is reasonable to expect collection and use with consent would compromise the availability or the accuracy of the information and the collection is reasonable for purposes related to investigating a breach of an agreement or a contravention of the laws of Canada or a province
- If disclosure is required to comply with a subpoena, warrant, court order, or rules of the court relating to the production of records
- If it was produced by an individual in the course of their employment, business, or profession and the collection is consistent with the purposes for which the information was produced
- If the collection is solely for journalistic, artistic, or literary purposes
- If the information is publicly available and is specified by the regulations
- We may disclose de-identified information for approved research or statistics projects, subject to ethics oversight and confidentiality commitments
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- When we use Google Maps Platform APIs. We may share your information with certain Google Maps Platform APIs (e.g.
, Google Maps API, Places API). Google Maps uses GPS, Wi-Fi, and cell towers to estimate your location. GPS is accurate to about 20 meters, while Wi-Fi and cell towers help improve accuracy when GPS signals are weak, like indoors. This data helps Google Maps provide directions, but it is not always perfectly precise.
Google Analytics
We may share your information with Google Analytics to track and6. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to7. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of8. DO WE COLLECT INFORMATION FROM MINORS?
In Short: We do not knowingly collect data from or market to9. WHAT ARE YOUR PRIVACY RIGHTS?
In Short:10. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track (11. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: If you are a resident ofCategories of Personal Information We Collect
The table below shows the categories of personal information we have collected in the past twelve (12) months. The table includes illustrative examples of each category and does not reflect the personal information we collect from you. For a comprehensive inventory of all personal information we process, please refer to the section| Category | Examples | Collected |
|---|---|---|
A. Identifiers | Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name |
B. Personal information as defined in the California Customer Records statute | Name, contact information, education, employment, employment history, and financial information |
Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data | ||
Transaction information, purchase history, financial details, and payment information | ||
Fingerprints and voiceprints | ||
Browsing history, search history, online | ||
Device location | ||
Images and audio, video or call recordings created in connection with our business activities | ||
Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us | ||
Student records and directory information | ||
Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics | ||
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
- Category A -
1 year
- Category B -
1 year
Sources of Personal Information
Learn more about the sources of personal information we collect inHow We Use and Share Personal Information
Your Rights
You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:- Right to know whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request the deletion of your personal data
- Right to obtain a copy of the personal data you previously shared with us
- Right to non-discrimination for exercising your rights
- Right to opt out of the processing of your personal data if it is used for targeted advertising
(or sharing as defined under California’s privacy law) , the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ( "profiling" )
- Right to access the categories of personal data being processed (as permitted by applicable law, including the privacy law in Minnesota)
- Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in
California, Delaware, and Maryland )
- Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including the privacy law in
Minnesota and Oregon )
- Right to obtain a list of third parties to which we have sold personal data (as permitted by applicable law, including the privacy law in Connecticut)
- Right to review, understand, question, and depending on where you live, correct how personal data has been profiled (as permitted by applicable law, including the privacy law in
Connecticut and Minnesota )
- Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including the privacy law in California)
- Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including the privacy law in Florida)
How to Exercise Your Rights
To exercise these rights, you can contact usRequest Verification
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.Appeals
Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us atCalifornia
California Civil Code Section 1798.83, also known as the 12. MINI-MIRANDA
13. GENERAL
Services are being offered by Balanced Healthcare Receivables, LLC (BHR, LLC). Please read the following terms and conditions of use carefully. By using this service, or permitting any other person or other entity to use this service on your behalf, you acknowledge that you have read these terms and conditions and that you accept and will be bound by the terms thereof, as they may be modified by us from time to time, as posted on this web site. When such a modification is made, we will post a revised version of the terms and conditions on this web site. Changes will be effective when they are posted. We are not required to provide you with notification that any such change has been made. It is your responsibility to review these terms and conditions from time to time to be aware of any such change. Your continued use of the service will indicate your agreement to any such change. We reserve the right to add to, remove, change or terminate access to any of the content or functions of the service without giving specific notice to you. If you do not agree to the terms and conditions, you may not use this service. Access to this service is restricted to authorized users who have accepted these terms and conditions. Access or attempted access by unauthorized individuals may be subject to prosecution. Any use of the service is at the sole risk of the user.
Throughout this Terms and Conditions, the words "we," "us," and "our" mean BHR, LLC. The words "you," "your," and "yours" mean all persons responsible for complying with this Terms and Conditions, including the person who is utilizing or permitting any other person to utilize this service.
14. PRIVACY POLICY
Information Collection and Use
While using our Site, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you. Personally Identifiable Information (PII) may include, but is not limited to your name, mailing address or telephone number, account number, social security number, and payment information ("Personal Information"). We do not share your personal information with any outside companies, except for our affiliate to process your online payment.
Log Data
Like many site operators, we may collect information that your browser sends whenever you visit our Site ("Log Data"). This Log Data may include information such as your computer's Internet Protocol ("IP") address, browser type, browser version, the pages of our Site that you visit, the time and date of your visit, the time spent on those pages and other statistics. We do not share or disclose information about your individual visits to our website to any outside companies.
Cookies
Cookies are files with small amount of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive. Like many sites, we use "cookies" to collect information. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent, however, our site does not behave differently if your computer transmits a "do not track" or similar notification.
Security
The security of your Personal Information is important to us. We have implemented reasonable physical, electronic, and procedural safeguards designed to prevent unauthorized intrusion, acquisition or misuse of your personal information. Additionally, our safeguards are designed to protect the confidentiality, prohibit disclosure, and limit access to those necessary of any personal information collected. However, remember that no method of transmission over the Internet, or method of electronic storage, is 100% secure. While we strive to use commercially acceptable means to protect your Personal Information, we cannot guarantee its absolute security.
Changes to This Privacy Policy
This Privacy Policy is effective as of August 31, 2020 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page. We reserve the right to update or change our Privacy Policy at any time and you should check this Privacy Policy periodically. Your continued use of the Service after we post any modifications to the Privacy Policy on this page will constitute your acknowledgment of the modifications and your consent to abide and be bound by the modified Privacy Policy. If we make any material changes to this Privacy Policy, we will notify you either through the email address you have provided us, or by placing a prominent notice on our website.
Contact Us
If you have any questions about this Privacy Policy, please contact us: Call: 1-866-460-2471 or write to: Balanced Healthcare Receivables, LLC PO Box 905 Nashua, NH 03060
Automatic Telephone Dialing
By accepting these terms and conditions you agree and expressly consent to being contacted by BHR, LLC using an automatic telephone dialing system to receive autodialed, prerecorded calls and text messages to any applicable wireless telephone number.
Telephone Monitoring and Recording
We may listen to and record your telephone calls with us. By accepting these terms and conditions you agree that we monitor and record telephone conversations whether you or we initiate the telephone call.
Errors and Unauthorized Transactions
Tell us immediately if you believe that an unauthorized transaction has been or may be conducted to or from one of your accounts without your permission. Telephoning is the best way to minimize possible losses. You can:
Call: 1-866-460-2471 or write to:
Balanced Healthcare Receivables, LLC
PO Box 905
Nashua, NH 03060
Refund Policy
In the event where a refund is requested and warranted, we will refund within (30) days of the original transaction date.
15. SMS POLICY
16. STATE AND FEDERAL REGULATIONS
ARIZONA
Within five days after the Initial communication with the debtor, a collection agency shall obtain, and be able to inform the debtor of: the name of the creditor; the time and place of the creation of the debt; the merchandise, services, or other value provided in exchange for the debt; and the. date when the account was turned over to the collection agency by the creditor. A collection agency shall give the debtor access to any of the collection agency's records that contain the information listed above.
Collection agency licenses #CA-1001069 we also have a license for the trade name BHR #CA-2006417
CALIFORNIA
The state Rosenthal Fair Debt Collection Practices Act, and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before, 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade commission at 1-877-FTC-HELP or http://www.ftc.gov.
Nonprofit credit counseling services may be available in the area.
California License: (10236-99)
COLORADO
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE https://coag.gov/office-sections/consumer-protection/consumer-credit-unit/collection-agency-regulation/
Our local Colorado office is located at 4500 Cherry Creek Drive South, Suite 300 Glendale CO 80014 and the local phone number is 720-508-8688
KANSAS
An investigative consumer report, which includes information as to your character, general reputation, personal characteristics, and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation.
MASSACHUSETTS
NOTICE OF IMPORTANT RIGHTS
You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.
MAINE
Hours of Operation
M-TH: 8:00 to 8pm EST
F: 8:00 to 6:30 EST
Sat: 8-12 EST
MINNESOTA
This collection agency is licensed by the Minnesota Department of Commerce.
NORTH CAROLINA
North Carolina Permit Number: 103501
NEVADA
Hospital Collections
Important Notice
(a) If the debtor pays or agrees to pay the claim or any portion of the claim, the payment or agreement to pay:
(1) An acknowledgment of the debt by the debtor; and
(2) As provided in NRS 11.200, does not constitute a waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the claim; and
(b) If the debtor does not understand or has questions concerning his or her legal rights or obligations relating to the debt, the debtor should seek legal advice.
(3) As used in this section, “hospital” has the meaning ascribed to it in NRS 449.012.
(4) Compliance Manager JILL M STLAURENT (NMLS ID 1034668) (NV CM11984)
(5) Nevada License (CAD11002)
(6) NMLS 948399
NEW YORK
(1) Debt collectors, in accordance With the Fair Debt Collection Practices Act, 15 U.S.C.§ 1692 e.t seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to:
(i) The use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse or harass.
(2) "If a creditor or debt collector receives a money Judgement against you in court, state and federal laws may prevent the following types of Income from being taken to pay the debt:
- Supplemental security Income, {SSl);
- Social security;
- Public assistance (welfare);
- Spousal support, maintenance (alimony); or child support;
- Unemployment benefits;
- Disability benefits;
- Workers' compensation benefits;
- Public or private pensions;
- Veterans' benefits;
- Federal student loans, federal student grants, and federal work study funds; and
- Ninety percent of your wages or salary earned in the last sixty days.
NEW YORK CITY
New York City Department of Consumer Affairs License Number: 1309368
Balanced Healthcare Receivables offers certain additional language access services for languages other than English. Balanced Healthcare Receivables has some staff that speak Spanish and Portuguese.
You may review a translation and description of commonly used debt collection terms in your preferred language on the website of the New York City Department of Consumer Affairs at
https://www1.nyc.gov/site/dca/consumers/Glossary-of-Common-Debt-Collection-Terms.page
Consumers may request the letter in an alternative, reasonably accommodatable format such as large print, selected by the collector by calling 1-866-460-2471
TENNESSEE
This collection agency is licensed by the Collection Service Board of the Department of Commerce and Insurance.
UTAH
As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.
WISCONSIN
This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions. http://www.wdfl.org.