Effective Date: March 18, 2018
Last Updated: September 28, 2026

​

Pacific Capital Exchange (“Pacific Capital Exchange,” “PCE,” “we,” “us,” or “our”) respects the privacy of personal information entrusted to us. This Privacy Policy describes the types of personal information we may collect and maintain in connection with our website, account servicing, and collection activities, as well as how that information may be used, disclosed, retained, and protected.

​

Information We May Collect

Depending on the nature of our interaction with you, we may collect or maintain the following categories of information:

Contact Information: Name, mailing address, telephone number, email address, and similar contact information.

Account Information: Information relating to accounts we service or collect, including account numbers, creditor or client information, account balances, transaction or payment history, account status, and correspondence.

Identity Verification Information: Information used to confirm identity, which may include date of birth, government-issued identification information, Social Security number, or other identifying information when reasonably necessary.

Payment Information: Information necessary to process, document, or administer payments and transactions.

Communications: Information provided during telephone calls, emails, text messages, written correspondence, disputes, complaints, requests, or other communications with us.

Website and Technical Information: Information such as IP address, browser type, device information, website activity, cookies, and similar technologies that may be collected when you interact with our website.

How We Use Personal Information

We may use personal information for legitimate business purposes related to our services, including:

• Administering and servicing accounts;

• Conducting collection and recovery activities;

• Communicating regarding accounts;

• Processing and documenting payments;

• Responding to questions, disputes, complaints, and requests;

• Verifying identity and protecting account information;

• Detecting or preventing fraud, unauthorized access, or other improper activity;

• Maintaining and improving our website, systems, operations, and services;

• Maintaining business, financial, compliance, and transaction records; and

• Complying with applicable legal, regulatory, contractual, and reporting obligations.

​

How We May Disclose Personal Information

We may disclose personal information when reasonably necessary to conduct our business and account servicing activities and when permitted or required by applicable law.

Recipients may include our clients and creditors, payment processors, communication providers, technology providers, mailing and document-service providers, attorneys and professional advisers, consumer reporting agencies where applicable, government or regulatory authorities, and other service providers that perform functions on our behalf.

We take reasonable steps to limit access to personal information to individuals and entities that have an appropriate business, contractual, or legal reason to receive it.

We may also disclose information when we reasonably believe disclosure is necessary to comply with applicable law, legal process, regulatory requirements, or governmental requests; protect our rights or property; investigate suspected fraud or unlawful activity; or protect the rights and safety of others.

​

Information Security

Pacific Capital Exchange maintains reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, alteration, disclosure, or destruction.

However, no method of electronic transmission or storage can be guaranteed to be completely secure, and we cannot guarantee absolute security.

Data Retention

We retain personal information for as long as reasonably necessary for the purposes for which it was collected or maintained, including account servicing, collection activities, transaction processing, recordkeeping, dispute resolution, compliance with legal and regulatory requirements, enforcement of agreements, and protection of legal rights.

Retention periods may vary depending on the nature of the information and applicable legal, regulatory, contractual, and operational requirements.

Text Messaging Privacy

We do not sell or share mobile telephone numbers, text-message opt-in information, or consent information with third parties for their own marketing or promotional purposes.

Such information may be disclosed to service providers when reasonably necessary to provide, transmit, or administer our text-messaging services, subject to applicable law.

Children's Privacy

Our website and services are not directed to children under the age of 13, and we do not knowingly collect personal information directly from children under 13 through our website.

If we become aware that personal information has been collected directly through our website from a child under 13, we will take reasonable steps to address the information in accordance with applicable law and record-retention requirements.

Third-Party Websites

Our website may contain links to websites operated by third parties. Pacific Capital Exchange is not responsible for the privacy practices, security, or content of third-party websites. We encourage users to review the privacy policies of any third-party websites they visit.

Business Transactions

In connection with a merger, acquisition, reorganization, financing, sale of assets, or similar business transaction, personal information may be disclosed or transferred as permitted by applicable law.

Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes in our practices, services, legal requirements, or other circumstances.

When changes are made, we will post the updated Privacy Policy on this page and revise the “Last Updated” date above.

Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

Pacific Capital Exchange
155 Chandler St Suite 1, Buffalo, NY 14207
contact@paccap.co
855-888-5617