Terms & Conditions

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 Automated Collection Services, Inc. and the products and services offered by the company and its operating subsidiaries and affiliates. Without limiting the generality of anything else, Automated Collection Services, Inc. (also “ACSI”) makes no commitment, and disclaims any duty, to update this website or any of the information obtained through this website, and it shall not be responsible for any errors or omissions in the website. Automated Collection Services, Inc. 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 are copyright Automated Collection Services, Inc. All rights reserved. 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 from Automated Collection Services, Inc. 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 Automated Collection Services, Inc. or its licensors. Use or misuse of these trademarks is expressly prohibited and may violate federal and state trademark law.

Automated Collection Services, Inc. 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 Automated Collection Services, Inc., you automatically grant Automated Collection Services, Inc. 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, Automated Collection Services, Inc. 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.

Disclaimers; Disclaimers Regarding Other Servers and Web Sites:
This website, the website materials on and in and made available through this website, and the services, information, and products offered by Automated Collection Services, Inc., and its operating subsidiaries and affiliates in connection therewith are made available “as is” and “with all faults.” Use of this website is entirely at your own risk.

Automated Collection Services, Inc. make no representations or warranties, and disclaim 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.

Automated Collection Services, Inc. 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 Automated Collection Services, Inc. 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.

Prohibited Activities
ACSI reserves the right to investigate and terminate your use of the Website if you have misused the Website or behaved in a way which could be regarded as inappropriate or whose conduct is unlawful or illegal. Inappropriate, unlawful or illegal conduct includes, but is not limited to:
• Impersonating another person or entity;
• Expressing or implying that any statements you make are endorsed by ACSI without ACSI’s specific prior written consent.
• Using any robot, spider, side search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Website or its contents;
• Posting, distributing or reproducing any copyrighted material, trademarks or other proprietary information without obtaining the express prior written consent of the owner of such proprietary or intellectual property rights;
• Removing any copyright, trademark or other intellectual property rights or notices included on the Website;
• Interfering with or disrupting the website or the servers or networks connected to the Website;
• Posting, emailing or otherwise transmitting any material that contains software viruses or any other computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software, hardware or telecommunications equipment;
• Forging headers or otherwise manipulating identifiers to disguise the origin of any information transmitted;
• “Framing” or “mirroring” any part of the Website without ACSI’s prior written authorization;
• Using meta tags or code or other devices containing any reference to ACSI or the Website to direct any person to any other website for any purpose; and
• Modifying, adapting, sublicensing, translating, selling, reverse engineering, deciphering, compiling or otherwise disassembling any portion of the Website or any software used on the Website or causing others to do so.

Customer Service
ACSI provides assistance and guidance through its representatives. When communicating with our representatives, you may not be abusive, obscene, profane, offensive, sexist, threatening, harassing, racially or religiously offensive or otherwise behave inappropriately. If we feel that your behavior towards any of our representatives or employees is at any time threatening, abusive or offensive, we reserve the right to immediately cease such communication and terminate your use of the Website.

Without limiting the generality of the foregoing, other sites that may be listed or linked in this website are not under the control of Automated Collection Services, Inc. Accordingly, Automated Collection Services, Inc. can make no representation concerning the content of these sites to you, nor can the fact that Automated Collection Services, Inc. has given you this listing serve as an endorsement by Automated Collection Services, Inc. of any of these sites. Automated Collection Services, Inc. is providing links to these sites as a convenience to you. Automated Collection Services, Inc. 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 Automated Collection Services, Inc. cautions you to make sure that you completely understand the risk before retrieving any software on the Internet. Automated Collection Services, Inc. is not responsible for any content, information, products, services, or software offered by any other party or at any other web site.

Applicable Laws
All content and materials of this Website are protected by copyrights, trademarks, or other proprietary/intellectual property rights and laws. These terms and conditions shall be governed and construed in accordance with the laws of the state of Tennessee, USA, and applicable federal laws without regard to conflicts of law principles. You agree that any and all proceedings relating to this Website and the subject matter contained herein shall be maintained in the courts of the state of Tennessee or the federal district courts sitting in Tennessee, which courts shall have exclusive jurisdiction for such purpose.

Not Legal Advice
The information on this Website is not to be construed as legal advice. It should not be used to replace the advice of your own legal counsel. The information on this Website does not include a complete list of the rights available under state or Federal law.

If any provision of these Terms of Use is held invalid, the remainder of the Terms of Use shall continue in full force and effect.

Privacy Policy

Automated Collection Services, Inc. (also “ACSI”) respects the privacy of our users and the importance of the information they entrust to us. Summarized in this Privacy Policy (“Policy”) are our policies and processes for protecting the privacy of all Personal Information gathered from consumers, prospective consumers, customers, potential customers, clients, potential clients and visitors to this Website. This Policy explains when and how such information is collected, used and safeguarded. This Policy also explains how anyone can update their personal contact information and specify what information, if any, they would like to receive from ACSI on an on-going basis.

ACSI is committed to ensuring your privacy and protecting the security of your Personal Information. This Policy covers the ACSI family of websites and all online forms on this Website used to collect Personal Information; it does not cover third party sites that are linked to or from the Website. This Policy does not apply to other entities that we do not own or control or persons that are not our employees, agents or within our control. By using this Website, you are agreeing to the terms of this Policy. If you do not agree with any terms or practices described in this Policy, please exit from this Website.

Collecting Personal Information
You can access this Website without providing us with any Personal Information. However, ACSI does collect Personal Information in various locations on this Website when you request specific information. We may collect information that can identify you (“Personal Information”). Such information includes your name, address, telephone number(s), account number and Social Security number or other identifying information.

Information We Collect
When you request information from this Website, such as detail or information regarding your account, we ask you to provide Personal Information to verify that you are a person to whom such detail can be provided.

In addition to the information you volunteer when you log in to this Website, we may also collect additional information as follows. Our server logs automatically collect information, such as your IP address, your browser type and language and the date and time of your visit. This helps us to track users’ movements around our site and understand trends. We may assign your computer one or more cookies, which collect information that tracks your use of this Website and enables us to customize our services to your preferences. We may use this data in aggregate to better understand the needs and interests of visitors to this Website. This information is collected on an aggregated and anonymous basis.

Our primary goal in collecting the information described above is to provide you, the user, with a customized experience on this Website. By knowing a little about each user, we are able to deliver better service and more relevant content to this Website users and visitors.

A “cookie” is a small amount of data that is sent to your browser from a web server and stored on your computer’s hard drive. We may use cookies to track general, non-personal information about our users (e.g. pages viewed, time spent on this Website, and the websites visited just before and just after this Website) for statistical and market research purposes. The information is collected on an aggregated and anonymous basis.

We use cookies to gather information about this Website users’ browser activities to improve this Website and better serve this Website users. We may use standard Internet tools, which collect information that tracks your use of this Website and enables us to customize our services. This information assists us to design and arrange our web pages in a most user-friendly manner and to improve this Website to better meet the needs of this Website users and visitors.

You have choices with respect to cookies. By modifying your browser preferences, you have the option to reject all cookies, which may, however, in limited instances, prevent you from accessing certain features on this Website.

Use of Personal Information
We will not disclose any Personal Information collected, except as described below. Otherwise, the provisions of this Policy are limited only by legal process, negotiated contract and the technical operation of the Website.

Use by ACSI
We use the information you provide so that we may in turn provide you with information that you requested or that we believe will be beneficial to you. We may use your Personal Information to customize the content you see on this Website, facilitate your use of this Website, manage your account and your preferences, analyze use of and improve this Website and services, identify and protect against fraudulent transactions and other misuses of this Website and enforce our Terms of Use. We may periodically send you news or information about ACSI and the solutions we offer. This could include collection notices, settlement offers and payment receipts.

Disclosures Required by Law
We may disclose Personal Information when required by law or in the good faith belief that such action is necessary in order to conform to the requirements of the law or comply with and respond to legal process served on us.

Information Others May Collect
We do not allow third-party advertising companies or ad networks to display advertisements on this Website. We DO NOT provide any Personal Information to unauthorized third parties.

Sharing Information with Third Parties
We do not sell or trade any Personal Information about our customers, prospects, consumers or visitors to any third parties. We will not share your Personal Information with others, except as indicated below. We may share Personal Information with:
• ACSI’s Clients;
• Service providers, such as credit-card payment processors performing services on our behalf;
• Consumer reporting agencies (a/k/a credit bureaus) regarding your payment history with us; and
• Law enforcement authorities in limited circumstances, such as complying with legal requirements including, but not limited to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the Health Insurance Portability and Accountability Act and their implementing regulations, preventing fraud and identity theft and protecting the safety of our users.

Your Choices
You may choose:
• Not to provide Personal Information, although that may result in your inability to obtain certain services or to use certain features of this Website;
• To delete or decline cookies by changing your browser settings, although if you do so, some of the features of ours Website services may not function properly; and
• To review and update your Personal Information by contacting us at the address information below or, if you have an online account on this Website, by logging into that account.

Storage of Personal Information and Security
We take reasonable precautions to protect the Personal Information we collect from this Website users and visitors. When users submit Personal Information via the Website, the information is housed in a secure database. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, we have put in place physical, electronic, managerial and other security measures to safeguard and secure the Personal Information we maintain from unauthorized access, alteration, use or disclosure. ACSI uses industry-standard technology, such as firewalls, in an effort to protect the confidentiality of your Personal Information. Moreover, only employees who need the information to perform their duties are granted access to Personal Information.

While we strive to protect your Personal Information, you should know that information sent over the Internet, whether by e-mail or by using our online system and Website, is not necessarily secure against interception. Therefore, we cannot be responsible for such interception and cannot guarantee the security of such information.

Changes to our Privacy Policy
From time-to-time, we may update our Privacy Policy to reflect changes in our practices and services. If we make material changes in the way we collect, use or share Personal Information, we will notify you by prominently posting notice of the changes on this Website.

No Guarantees
While this Policy states our standards for maintenance of Personal Information and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of Personal Information. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of any Personal Information collected from Website users or visitors.

Links to Third Party Websites
Please be advised that this Website may contain certain hyperlinks to other websites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of this Website and this Policy. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review these privacy policies carefully before providing Personal Information to these websites.

Protection of Children’s Privacy
We understand the importance of protecting children’s privacy, particularly in an online environment. This Website is not designed to attract children under the age of thirteen (13). It is our policy never to knowingly collect or maintain Personal Information about any person under the age of thirteen (13).

Contact Us
If you have questions or suggestions about this Website, this Policy or our information practices, please contact us at:
Attn: Director of Compliance
304 Northcreek Blvd
Goodlettsville, TN 37072

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