1. Purpose
This Privacy Policy describes how GB Collects, LLC (“GB Collects”) collects, uses, protects, discloses, and disposes of personal information in the course of its business operations, in compliance with New Jersey and Florida privacy and data-breach laws.
2. Scope
This policy applies to personal information relating to consumers, debtors, clients, website visitors, vendors, and service providers across all collection channels.
3. Laws and Standards Considered
This policy aligns with GLBA, HIPAA (where applicable), FCRA, New Jersey Identity Theft Prevention Act, New Jersey Data Breach Notification Law, Florida Information Protection Act (FIPA), Florida Digital Bill of Rights (FDBR), and applicable federal and state requirements.
4. Information We Collect
We may collect identifiers, account data, financial information, government-issued identifiers where permitted, and public record information necessary for legitimate business purposes.
5. How We Collect Information
Information may be obtained from clients, consumers, written or electronic communications, public records, and lawful third-party sources.
6. How We Use Personal Information
Personal information is used solely for lawful purposes such as debt recovery, account servicing, payment processing, regulatory compliance, fraud prevention, and security. Information is not sold or used for marketing.
7. Sharing and Disclosure
Information is disclosed only as required by law, to authorized clients or service providers under confidentiality obligations, or to regulatory authorities.
8. Consumer Rights (NJ & FL)
Where applicable, individuals may request access, correction, or deletion of personal information, subject to legal retention requirements.
9. Safeguards and Security Measures
GB Collects maintains administrative, technical, and physical safeguards including access controls, encryption, confidentiality agreements, training, and monitoring.
10. Data Retention and Disposal
Information is retained only as long as required by law and business need and is securely destroyed when no longer required.
11. Data Breach and Incident Response
In the event of a data breach, GB Collects will investigate, contain the incident, notify affected parties and authorities as required, and remediate risks.
12. Cookies and Website Data
Cookies may be used for functional purposes only. Users may disable cookies through browser settings.
13. Policy Updates
This policy may be updated periodically. Material changes will be reflected by a revision date update.
14. Contact Information
Privacy inquiries should be directed to:
GB Collects – Compliance Manager
1253 Haddonfield Berlin Rd
Voorhees, NJ 08043
15. Revision History
Version 1.03 – 12/07/2016 – prior version Privacy Policy
Version 1.04 – 04/13/2026 – Updated for privacy laws and modern best practices