General Information
Phillips & Cohen Associates, Ltd. respects the privacy of visitors to our online sites. Any personal information gathered on this site will be kept strictly confidential and will only be used in ways for which you have specifically consented. We will never sell or rent any personal information collected from you to any third party. We will take special care to protect the privacy and security of your information.

Phillips & Cohen Associates, Ltd. does not take payments through this website.  All personal information gathered on this website is in accordance with the Privacy Policy. This policy came into effect on May 1, 2010. It may be updated from time to time.

In accordance with our commitment to protect personal privacy, Phillips and Cohen adheres to the principles of the Safe Harbor Framework as developed by the U.S. Department of Commerce in consultation with the European Commission. The seven principles and fifteen Frequently Asked Questions (FAQs) referred to in this policy constitute the Safe Harbor privacy framework. These principles and FAQs may be found at: http://www.export.gov/safeharbor

Privacy Contact Information 
You can contact Phillips & Cohen Associates, Ltd. regarding privacy matters via email to privacy@phillips-cohen.com or mail at

Phillips & Cohen Associates, Ltd. Privacy Officer
1002 Justison Street
Wilmington, DE 19801

Collection and Use of Personal Information
Phillips & Cohen Associates, Ltd.  will only collect personal data, such as your name, address, telephone number, or e-mail address, when it is voluntarily submitted to us at this website. This information will be collected through an online form or when you contact Phillips & Cohen Associates, Ltd.  regarding any other matter.

We may pass on to our client who was your original credit lender personal information that you voluntarily gave to us. No other third parties, either on our behalf or for themselves, will collect any Personally Identified Information through this website.

Tracking Technologies

Non-Personal Information 
This website also collects and uses information in aggregate form to track the total number of visitors to our site, the number of visitors to each page of our site, the domain names of our visitors' Internet service providers, and other such technical information. This is technical information that does not by itself identify a specific individual. No personal information is available in this process. We use this data in our collection efforts.

Cookies 
Our website uses a technology called "cookies". A cookie is a token that a server gives to your browser when you access a website. Cookies are capable of storing many types of data. Cookies help provide additional functionality to the site or to help us analyze site usage more accurately. For instance, our server may set a cookie that keeps you from having to enter a password more than once during a visit to one of our sites. In all cases in which cookies are used, the cookie will not collect personally identifiable information except with your explicit permission. We do not, however, use cookies to track the navigational habits of identified visitors.

Change of Privacy Policy
If we are going to use your personal information in a manner different from that stated at the time of collection through this website, we will notify you via email. You will have a choice as to whether or not we use your information in this different manner. In addition, if we make any material changes in our privacy practices that do not affect user information already collected through our site, we will post a prominent notice on our website notifying users of the change.

Access to Your Information
If you would like us to delete any information we have about you, we shall unless it is a requirement of our client who was your original credit grantor or a party who has succeeded in interest to your original credit grantor. We will respond to your request to access, update or delete your information within ten (10) business days. Before we are able to provide you with any information, correct any inaccuracies or delete any information, however, we may ask you to verify your identity.

Security
We take careful measures to prevent the loss, misuse, and alteration of your information. We use Secure Sockets Layer (SSL) technology supporting 128-bit encryption.  The information collected is stored on a secure server network, protected by firewalls and other security measures. We only provide access to your personal information to Phillips & Cohen Associates’ employees. Our current policy is to permanently maintain information. If you request that we delete your information, we may ask you to verify your identity and provide for the request in writing. We will respond to your written request within ten (10) business days. There may be business reasons why we would not agree to delete your information and we will communicate that to you if we are unable to comply with your written request.

In the event of a dispute, we will agree to binding arbitration with the American Arbitration Association.  To file a request for arbitration, contact the American Arbitration Association at http://www.adr.org/.

Disclosure of Information
All personal information gathered can be disclosed to judicial or other government agencies subject to warrants, subpoenas or other governmental orders.

In the event of a merger all data will be transferred to the new entity. In the unlikely event of a bankruptcy proceeding, all information would be transferred in accordance with Court Order.

Children
We do not intentionally collect information from persons under the age of 18.

Third Party Links and Advertisement
As a convenience to our visitors, Phillips & Cohen Associates, Ltd. websites may contain links to a number of sites that we believe may offer useful information. The privacy policies and procedures described here do not apply to those sites. We suggest contacting those sites directly for information on their data collection and distribution policies.

We do not use third party advertising companies to provide advertisements or allow third party advertisers to track your browsing.

Contact Phillips & Cohen Associates, Ltd.
You can contact Phillips & Cohen Associates, Ltd. via our website at http://www.phillips-cohen.com/about/legal.html. 

Or you may mail us at:

Phillips & Cohen Associates, Ltd. 
1002 Justison Street
Wilmington, DE 19801

This is an attempt to collect a debt and any information obtained will be used for that purpose.

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