Terms of Use and Legal Disclosures
The following terms and conditions ("Terms and Conditions") govern your use of the World Wide Web Site located at https://crs.youraccountadvantage.com/ (this "website"). By accessing, viewing, or using the content, material, or services available on or through this website, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.
These Terms and Conditions may be changed at any time. Notice of any new or revised Terms and Conditions, as well as the location of the new or revised Terms and Conditions, will be posted on the website for at least 60 days after the change. It is the obligation of users visiting the website before the change to learn of changes to the Terms and Conditions since their last visit. Any change to these Terms and Conditions shall be effective as to any visitor who has visited the website before the change was made.
This website has been prepared solely for the purpose of providing information about Center Recovery Services, LLC dba CRS ("Company"), and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, Company makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and its shall not be responsible for any errors or omissions in the website. Company reserves the right to add, modify or delete any information on this website at any time, with or without notice.
Copyright and Other Proprietary Information:
Website text, graphics, design, selection and arrangement copyright © Center Recovery Services, LLC. All rights reserved. Company also owns a copyright in the website as a collective work and/or compilation. Permission is granted to download and print materials from this website only for the purpose of viewing, reading, and retaining for reference the materials for personal, non-commercial purposes. Any other copying, distribution, or modification of or preparation of derivative works based upon, or any framing, capturing, harvesting, or collection of, or creating of hypertext or other links or connections to, this website or any materials on this site, whether in electronic or hard copy form, without the express prior written permission of Company is strictly prohibited. Removing or altering any copyright notice or any other proprietary notice on any website materials is strictly prohibited.
All names, trademarks, service marks, symbols, slogans, and logos appearing on the website are proprietary to Company or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.
Company welcomes your feedback and suggestions about how to improve our products, information, and services and this website. By transmitting any suggestions, information, data, material, or other content (collectively, "Submissions") to Company, you automatically grant Company the royalty-free, perpetual, irrevocable, non-exclusive right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, redistribute, transmit, perform and display any or all of such Submissions (in whole or part) throughout the universe and to incorporate such in other works in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submission(s). Further, Company is free to use any ideas, concepts, methods, know-how, techniques, and processes contained in any communications you send to this website for any purpose whatever, including, but not limited to, creating and marketing products, information, or services using such information.
Forward-looking Statements Disclosure:
Certain statements in documents that appear in or are obtained through this website, including, without limitation, statements as to any company's objective to grow through strategic acquisitions and internal growth, the ability to realize operating efficiencies in the integration of its acquisitions or as to management's beliefs, expectations and opinions, are forward-looking statements that involve risks and uncertainties and are subject to change at any time. Certain factors, including without limitation, risks associated with growth and future acquisitions, fluctuations in quarterly operating results, can cause actual results and developments to be materially different from those expressed or implied by such forward-looking statements.
Disclaimers of Limited Liability:
This website, the website materials on and in and made available through this website, and the services, information, and products offered by Company in connection therewith are made available "as is" and "with all faults." Use of this website is entirely at your own risk.
Company makes no representations or warranties, and disclaims all representations and warranties, with respect to this website, the website materials on and in and made available through this website, and the services, information, and products offered in connection therewith, express or implied, written or oral, arising from course of dealing, course of performance, usage of trade, or otherwise, including, but not limited to, the implied warranties of merchantability, fitness for a particular purpose, accuracy, systems integration, non-interference, quality, title, and non-infringement. The entire risk as to satisfactory quality, performance, accuracy, and effort with regard to any and all website materials on and in and made available through this website is with you.
Company shall not be liable for any special, indirect, incidental, consequential, exemplary, extra-contractual, or punitive damages of any kind whatever, including, without limitation, lost revenues or lost profits, which may or do result from the use of, access to, or inability to use this website, the website materials on and in and made available through this website, or the services, information, and products offered in connection therewith, regardless of legal theory, whether or not any party had been advised of the possibility or probability of such damages, and even if the remedies otherwise available fail of their essential purpose. Under no circumstances will the total liability of Company to you or any other person or entity in connection with, based upon, or arising from this website, the website materials on and in and made available through this website, or the services, information, or products offered in connection therewith exceed the price paid by you for use of this website.
No information provided by company and/or its employees or any third party shall create any warranty. Company does not warrant that the information on this website, linked websites, or as otherwise accessible herein will be uninterruptable or error free or that any information, software or other material accessible from this or any other website is free of viruses or other harmful components.
Company is not liable in the event a payment transaction is not completed for any reason, including but not limited to the improper or incomplete information, insufficient funds or credit, the failure of systemic processes of this website or your financial providers. Company reserves the right to suspend or terminate any transaction that company deems invalid, unauthorized, fraudulent or otherwise.
Disclaimers; Disclaimers Regarding Other Servers and Web Sites:
Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of Company. Accordingly, Company can make no representation concerning the content of these sites to you, nor can the fact that Company has given you this listing serve as an endorsement by Company of any of these sites. Company is providing links to these sites as a convenience to you. Company has not tested any software that may be found on these sites and therefore cannot make any representations regarding the quality, safety or suitability of any software found there. There are inherent dangers in the use of any software found on the Internet, and Company cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. Company is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.
Disruption of Service:
Access to this website may from time to time be or become unavailable, delayed or otherwise limit adequate usability due to hardware failure, telecommunication line failure or interruption, network or server failures, viruses, errors, incompatibility of systems or other such things that may be a result of the end users equipment, connections or other causes outside of the control of Company In the event an interruption of service or other failure causes irreparable harm to the end user Company shall not be held accountable for any damage, inaccuracy, adequacy, incompletion of information or materials submitted through your use of this website.
Consent to Further Use of Information You Provide on this Website:
You hereby expressly consent to and further knowingly provide any and all information, personal or as otherwise required to complete your payment transactions herein or voluntarily upon my own volition to Company and further authorize Company to utilize the information that you provide herein to contact you directly, including but not limited to, your electronic mail address, residence address, cellular or landline telephone or facsimile numbers, or other means of electronic, virtual or traditional means of communication, in an effort to recover any unpaid portion of any obligation that you now owe or incur in the future that is or may be placed with Company for collection services, default prevention, counseling or other related services.
Passwords:
In order to access certain websites and services, you may be required to enter a user name and password on the website. You shall hold your username and password in strict confidence. In the event you determine that the confidentiality of your password or user name has been breached, you shall immediately notify Company of such occurrence. In such event, Company will issue you a new user name and password to prevent further misuse.
Privacy Statement:
Center Recovery Services, LLC dba CRS ("Company") has a Privacy Notice setting out Company's online information gathering and dissemination practices with respect to the website. The Privacy Notice is incorporated into these Terms and Conditions by reference, as if set forth fully herein.
Governing Law and Jurisdiction:
These Terms and Conditions, including, without limitation, the Privacy Notice, represent the entire agreement between you and Company with respect to the subject matter hereof, and supersede any and all prior and contemporaneous written and oral representations, understandings, and agreements, express and implied, and will be governed by and construed in accordance with the laws of the State of Minnesota, without reference to its conflict of law rules; provided, however, that the terms of any applicable law now or hereafter enacted that is based on, derived from, similar to, or connected with the uniform computer information transactions act drafted by the national conference of commissioners on uniform state laws shall not apply except to the extent that the law expressly prohibits alteration by these terms and conditions of the applicability of one or more sections of the law.
By accessing, viewing, or using the works, content, or materials on this website, you consent to the exclusive jurisdiction of the federal and state courts presiding in the State of Minnesota and agree to accept service of process by personal delivery or mail and hereby waive any and all jurisdictional and venue defenses otherwise available. This website is controlled and operated by Company from its offices within the United States. Without limiting anything else, Company makes no representation that the works, content, materials, services, information, or products available on, in, or through the website are appropriate or available for use in other locations, and access to them from territories where they are illegal is prohibited. Those who choose to access this website from other locations do so on their own volition and are responsible for compliance with applicable laws.
Waiver and Severability
The waiver or failure of Company to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Headings used in these Terms and Conditions, including, without limitation, the Privacy Notice, are for reference only and shall not affect the interpretation of these Terms and Conditions (or the Privacy Notice). The waiver or failure of Company to exercise in any respect any right provided hereunder shall not be deemed a waiver of such right in the future or a waiver of any of other rights established under these Terms and Conditions. Company reserves the right to terminate your access to this website in the event that you violate these Terms and Conditions or for any reason whatever or no reason, with or without notice, in addition to any and all other remedies available at law or in equity.
Privacy Notice
Last Updated: December 17, 2024
This Privacy Notice discloses the privacy practices of Center Recovery Services, LLC dba CRS ("CRS”, “us” or “we”). This Privacy Notice makes you aware of how we collect, and use, disclose, transfer, store, retain and otherwise process your non-public Personal Information (defined below).
CRS’ website is located at https://crs.youraccountadvantage.com (its “Website”). The Website is not intended for individuals less than the age of eighteen and CRS does not knowingly collect data relating to individuals less than the age of eighteen. See the “Children’s Privacy” section below for more details.
Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act. Company will not disclose any information to third parties that is otherwise prohibited by the FDCPA. Except as provided in section 1692b of the FDCPA, without your prior consent, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post-judgment judicial remedy, CRS will not communicate, in connection with the collection of your debt, with any person other than you, your attorney, the creditor, the attorney of the creditor, or its attorney.
Please note that some or all of your Personal Information may be covered by the Health Insurance Portability and Accountability Act (“HIPAA”).
Data Controller
CRS is the data controller and responsible for your personal data.
Questions, comments, and complaints about CRS’ data practices can be submitted to:
CRS
5782 Blackshire Path, Suite B
Inver Grove Heights, MN 55076
Toll-free Telephone Number: (877) 575-5677
Information We Collect
We may collect several types of information about you, including:
Personally Identifiable Information (“Personal Information”). Personal Information includes information that is reasonably capable of being associated with or could reasonably be linked to a particular consumer or household. Personal Information that we collect includes: contact information (including, but not limited to, name, alias, postal addresses, telephone numbers, email addresses and IP addresses), financial information (including, but not limited to, credit and debit account numbers and expiration dates, bank account numbers, names on financial accounts, billing addresses, account application information, account balances and history, employment information, and other relevant information that you provide), date of birth, age, place of employment, products or services purchased, and government issued identifying numbers (such as social security numbers), financial account details that allow access to an account, such as a credit card number and access code.
De-identified or Aggregated Information. This is information that is about you, but that does not individually identify you.
Usage Data. This includes information about your internet connection, the equipment you use to access our Website, and usage details.
Sensitive Personal Information. We may collect information regarding your health that is otherwise covered by HIPAA.
How We Use Your Information
Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We will collect the minimum amount of data necessary to collect a debt.
We will not collect personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
We may use your Personal Information for one or more of the following business purposes:
• To fulfill or meet the reason you provided the information. For example, if you share your Personal Information to make a payment, we will use that information to process your payment.
• To provide and maintain our services to you, performing services on behalf of the business or service provider, including maintaining or servicing records, providing customer service, processing or fulfilling orders and transactions, verifying customer information, processing payments, or providing similar services on behalf of the business or service provider;
• To provide you with information or services that you request from us;
• To respond to law enforcement requests and as otherwise permitted by applicable law, court order, or governmental regulations;
• To ensure security and integrity to the extent Personal Information is reasonably necessary and proportionate to these purposes;
• To verify or maintain the quality or safety of the services or account, or to prevent fraud.
• For other purposes: We may use your information for other purposes, such as to evaluate and improve our service, products, services, marketing and your experience.
Sensitive Personal Information is collected only as necessary to perform our services, process payments, maintain or service your account, to ensure security and integrity regarding the use of such personal information, and to verify or maintain the safety and quality of the services. Sensitive personal information is not collected with the purpose of inferring characteristics about you.
We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice.
How We Collect Your Information
We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public social media/network pages, or other information available online. However, we may also collect information:
• From publicly accessible sources (e.g., property records or court records);
• From your transactions with us;
• From a third party with your consent (e.g., your authorized representative and/or attorney); and
• From activity on our Website.
CRS collects, uses, and stores information on the domain you use to access its website, the Internet address of the site from which you linked directly to its Website, and the date and time of your visit to its Website. This information may be used to measure the number of visitors to the various pages on the Website, to help make improvements to the information contained on the site, and to better serve site visitors through special marketing and service programs, among others. CRS also collects, uses, and stores the e-mail addresses of users that communicate with CRS via e-mail, information knowingly provided by website users, and information regarding which website pages users access.
Cookies
A cookie is a small piece of data sent from a website and stored on your computer by your web browser. The file is added once you agree to store cookies on your computer or device, and the cookie helps analyze web traffic or lets you know when you visit a particular site. Cookies allow sites to respond to you as an individual. The website can tailor its operations to your needs, likes, and dislikes by gathering and remembering information about your preferences.
This website collects cookies and may use cookies for reasons including, but not limited to:
• Analyze our web traffic using an analytics package.
• Identify if you are signed-in to the Website.
• Test content on the Website.
• Store information about your preferences.
• Recognize when you return to the Website.
Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.
You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This setting may prevent you from taking full advantage of the website.
Personal information contained in e-mail sent by individuals may be used by CRS to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service CRS provides.
How We Share Your Information
We may share your Personal Information in the following situations:
● With Service Providers: We may share your Personal Information with service providers to monitor and analyze the use of our services, or to contact you.
● For business transfers: We may share or transfer your Personal Information in connection with, or during negotiations of, any merger, sale of CRS’ assets, financing, or acquisition of all or a portion of our business to another company.
● With Affiliates: We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Policy and have a privacy policy of their own, which is at least as restrictive as this one. Affiliates include our parent company and any other subsidiaries, joint venture partners or other companies that we control or that are under common control with us.
● With Your consent: We may disclose your Personal Information for any lawful purpose with your consent.
Further, CRS may share Personal Information it collects with its employees who need to know that information to service your account. Except as provided below, CRS does not share or disclose any personally identifiable information to any company or marketing group external to CRS. CRS may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law. In no event shall any disclosure be made where prohibited by applicable law, rule or regulation, including but not limited to the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Health Insurance Portability and Accountability Act.
CRS may disclose identifiable information (i) to another entity with which CRS enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or (iii) to a third party if determined by CRS in its sole judgment that such disclosure is appropriate to protect the life, health, or property of CRS or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to CRS.)
Sale of Personal Information
We do not sell and will not sell your Personal Information.
How We Protect Your Information
Company has implemented reasonable administrative, physical and technical security safeguards to protect against the unauthorized release of or access to personal information. We employ internal and external system safeguards designed to protect confidentiality and security of personal information.
The confidentiality of any communication or material transmitted to or from CRS via the website or via e-mail cannot be, and is not, guaranteed. You acknowledge that the technical processing and transmission of the website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting networks or devices.
We will collect the IP Address of all visitors to the website for internal security and other proprietary purposes. We will do so even if you have included a Do Not Track request. We do not release this data outside of our corporate team nor utilize the data other than for internal purposes.
If any questions arise about security, please contact Company using the information provided above.
How Long We Keep Your Information
CRS will retain your personal data for seven years, or as otherwise required by law. CRS thereafter deletes or anonymizes such information in accordance with applicable laws.
Transfer of Your Personal Data
Your information, including Personal Information, is processed at the CRS’ operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from your jurisdiction.
Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.
We will take all steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Information will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.
Children’s Privacy
This Website is intended for use by a general audience and does not offer services to children. No one under age 18 may provide any information through the website. Should a child whom we know to be under 18 send personal information to us, we will use that information only to respond directly to that child to inform him or her that they cannot use this Website. We do not knowingly collect Personal Information from children. If you are under 18, do not use or provide any information on this Website. If you believe your minor child submitted information on this Website, please contact us using the information below and we will erase such information upon request.
Links to Other Websites
Our Website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question. Our Website may contain links to other websites that are not operated by us. If you click on a third-party link, you will be directed to that third party’s site. You should exercise caution and look at the privacy statement applicable to the Website in question.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
IMPORTANT PRIVACY CHOICES FOR CONSUMERS
CRS offers you certain choices in connection with the Personal Information it collects from you, including:
Your Choice to Decline Cookies: You may adjust your browser settings to decline cookies if you do not want to accept CRS’ cookies. However, declining cookies may affect proper operation of the Website.
Your Payments: You can elect not to utilize the payment portal of the Website and not to make payments via credit card or check.
● If you have any questions regarding any of these choices, please contact CRS at the following: Call us toll free: (877) 575-5677
● Or, you may print, complete and send back this form to us at 5782 Blackshire Path, Suite B, Inver Grove Heights, MN 55076. (You may want to make a copy for your records.)
Last name (please print): ________________________________
First name: ____________________________________________
Account Number: ________________________________________
Street address: ____________________________________________
City: ____________________State: ____________ZIP: _________
Mailing Address (if different than the street address):
City: ____________________State: _____________ZIP: _________
Signature: ________________________________Date: _________
Rights Applicable to Residents of Iowa
• Request to access personal information – You may submit a verifiable request for access to your personal information that we collected about you, subject to certain exceptions. This may include the categories and specific pieces of information collected, the sources of that information and the business or commercial purpose for the collection or disclosure of that information.
• Request deletion of personal information –You may request that we delete your personal information, however, state and federal law may prohibit us from deleting personal information, which CRS will disclose to you. You may also request to ask us to delete or remove your personal data where you have successfully exercised your right to object to processing (see below), where we may have processed your information unlawfully or where we are required to erase your personal data to comply with local law.
• Request the transfer of your personal data to you or to a third party - We will provide to you, or a third party you have chosen, your personal data in a structured, commonly used, machine-readable format. Note that this only applies to automated information which you initially provided consent for us to use or where we used the information to perform a contract with you.
• Non-discrimination - We will not discriminate against you if you exercise any of these rights.
If you wish to exercise any of these options, please contact CRS by doing one of the following:
- By mailing a request to CRS at 5782 Blackshire Path, Suite B, Inver Grove Heights, MN 55076
- Toll-free Telephone Number: (877) 575-5677
If you choose to contact directly by [email/phone/in writing], you will need to provide us with:
• Enough information to identify you [e.g., your full name, address and customer or matter reference number];
• Proof of your identity and address (e.g., a copy of your driving license or passport and a recent utility or credit card bill); and
• Describe your request with sufficient detail that allows us to properly understand, evaluate and respond to it.
We are not obligated to make a data access or data portability disclosure if we cannot verify that the person making the request is the person about whom we collected information, or is someone authorized to act on such person’s behalf. To prevent anyone other than you, or your authorized agent, from exercising the options to know or to delete with respect to your personal information, we follow procedures to verify your, or your agent’s, identity. These procedures seek to confirm that the person making a request is the person about whom we have collected personal information or that person’s authorized agent. The verification procedures involve matching data points that you provide with your request against information about you we already have in our records and that we have determined to be reliable for purposes of verifying your identity. We will use information you provide in your completed request form to verify your identity, and we may request additional information if necessary to complete the verification process.
You will not have to pay a fee to access your personal data (or to exercise any of the other options). However, we may charge a reasonable fee if your request is clearly unfounded, repetitive or excessive. Alternatively, we may refuse to comply with your request in these circumstances.
If you would like to appeal of our decision with respect to your exercise of the above options, an appeal may be sent to the data controller using the same process for submitting initial requests. A response to an appeal may take up to 60 days, at which time CRS shall respond to your request.
Privacy Notice Changes
CRS may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the Website after the change. It is the obligation of users visiting the Website before the change to learn of changes to the Privacy Notice since their last visit.
If there are material changes to the privacy statement or in how we will use your personal data, we will notify you by prominently posting a notice of such changes before they take effect or by directly sending you a notification.
Entire Agreement
The Terms of Use and our Privacy Notice constitute the sole and entire agreement between you and Company with respect to the website services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the website or services.
This is an attempt to collect a debt. Any information obtained will be used for that purpose. This communication is from a debt collector.
Revision Date: December 17, 2024