Ratchford Law Group
Date Creation: 02/10/2016
When you visit Ratchford Law Group, we may collect information from you. This information includes but is not limited to: IP Address, your Operating System, pages visited, total time spent on website or specific pages, links that are clicked, and your browser type and version.Back to Top
In order for Ratchford Law Group to function for a user (the customer), data must have been furnished to Ratchford Law Group that contains certain user data. Ratchford Law Group maintains data for banks, lenders, and debt purchasers (creditors). Data may be furnished directly by your creditor or by a third party collection company authorized by a creditor (Furnishers). Ratchford Law Group does not own the data furnished to us. Ratchford Law Group provides Furnishers the minimum type of data required for Ratchford Law Group to function. The minimum data required for Ratchford Law Group to function is: user's name, social security number, address, phone number, original creditor name, current creditor name, account number, reference number, and balance. Furnisher may maintain additional user data. Ratchford Law Group has no control over what data Furnishers maintain within the Ratchford Law Group framework and/or to what extent beyond the minimum data requirements Furnisher may maintain within the Ratchford Law Group framework. Ratchford Law Group makes no warranty or guarantee as to the accuracy of Furnisher's data.
In order for a visitor to use Ratchford Law Group, they must first authenticate they are the correct person (the customer) to access the data by providing verification criteria, including but not limited to: the last four digits of their social security number along with either the phone number they were contacted at or by entering in the reference number the creditor provided. To utilize the online negotiation tools of Ratchford Law Group, no additional information is required by the user.
When a user makes an offer within the creditor's guidelines or accepts a counter offer presented by Ratchford Law Group on behalf of your creditor, the user will proceed to the payment portal. The user must provide additional information at the payment portal, as is standard in all payment portals. The data you provide will be collected to process your payment. This information may include, but is not limited to: your name, address, email address, phone number, form of payment and information required to process the payment such as: a bank account number and routing number or credit card number, expiration date and SEC code. In some cases, payment information is stored in Ratchford Law Group's secure database in order to transmit the information to the creditor or collection company for processing. Such information will never be shared except with your creditor or the collection company and others necessary to complete a transaction. Ratchford Law Group always keeps all data secure and private unless expressly authorized by you that it may share.Back to Top
Ratchford Law Group may disclose information we collect to non-affiliated third parties that are acting on our behalf, or as permitted or required by law. The information that is collected, used and shared is limited to purposes that intend to improve your experience with Ratchford Law Group.
Ratchford Law Group may use and share information as described below:
Ratchford Law Group's site may contain links to independent third party websites and/or offers for services from third parties. If you choose to use any such third party products or services, disclose information to the providers, or grant them permission to collect information about you, then their use of your information is governed by their privacy policies and any terms and conditions applicable to such products or services. Ratchford Law Group is not responsible for the content or privacy policies of other such sites.
Users that provide their email address may occasionally receive emails from Ratchford Law Group. Users have the option to opt-out of receiving emails from Ratchford Law Group at any time by emailing email@example.com. If a user has subscribed to a service to receive notification should an additional reduced offer become available, opting out of emails will cancel the subscription and the notification of offer will not be sent. If user chooses to opt out, it is the user's decision alone; user cannot and will not hold Ratchford Law Group responsible for any consequences due to opting out of emails.Back to Top
Ratchford Law Group may set and access cookies on your computer to track and store data you have entered while visiting https://www.Ratchford Law Group-law.com/. At Ratchford Law Group, a cookie is used to identify one unique visitor from another visitor. Our cookies are encoded so that only we can understand the data stored in them. All cookies expire and are deleted as soon as the user closes their browser.Back to Top
Ratchford Law Group uses a number of security measures to protect the security and integrity of your data. Once any personal data comes into our possession, we will take reasonable steps to protect that information from misuse and loss and from unauthorized access, modification or disclosure.
We use encryption methods and authentication processes to maintain your security when you are using https://www.Ratchford Law Group-law.com. Firewall barriers are also used to protect your account and information, from unauthorized access. Ratchford Law Group site is tested and monitored regularly to ensure all areas are protected from possible hacking. The Ratchford Law Group maintains servers in a secure location. Access to our servers requires several levels of authentication.
It is important to understand that while Ratchford Law Group takes the above precautions to safeguard your information at Ratchford Law Group, these precautions do not extend to any Third Party websites you may come across.Back to Top
Ratchford Law Group may provide users access to submit, post, display, transmit and/or exchange information, ideas, opinions, photographs, images, video, creative works or other information in chat rooms, blogs, or bulletin boards within https://www.RatchfordLawGroup.com. You should be aware that any material you submit in the forums can be read, retrieved and used by other users and may be used to send you unwelcomed messages. Ratchford Law Group is not responsible for the personal information you decide to submit to these forums.
These forums may be hosted by Ratchford Law Group and related entities or by one of our third party service providers on our behalf.Back to Top
Notwithstanding the foregoing, The Ratchford Law Group reserves the right (and you authorize Ratchford Law Group) to share or disclose your personal information when Ratchford Law Group determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:
Ratchford Law Group
409 Lackawanna Ave Suite 320
Scranton PA 18503