Privacy Policy

Effective Date: August 12, 2026
Last Updated: August 12, 2026

At Pacific Capital Exchange we respect your privacy and are committed to protecting the personal information we collect and maintain in connection with our website, services, and account administration activities. This Privacy Policy explains what types of personal information we may collect, how we use and protect that information, and the circumstances under which we may disclose it to third parties, as permitted or required by applicable law.

What Personal Information Do We Collect?

We may collect certain identification information, including government-issued identification or Social Security numbers, when reasonably necessary to verify identity, locate or administer an account, prevent fraud, or comply with legal requirements.

Contact Information: Name, mailing address, telephone number, email address, and similar information.
Account Information: Information relating to accounts or debts we service or collect, including account numbers, creditor information, balances, payment history, and correspondence.
Identity Verification Information: Government-issued identification, Social Security number, or other information when reasonably necessary.
Payment Information: Information necessary to process or administer payments.
Website Information: IP address, browser/device information, cookies, and similar technologies.

How do we protect your information?

We take reasonable measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. However, no data transmission over the internet or electronic storage is completely secure. Therefore, we cannot guarantee absolute security.

Use of Your Personal Information

We may use the collected information for the following purposes:

To administer and service accounts, communicate with consumers regarding accounts, process payments, respond to inquiries and disputes, and otherwise perform our debt collection and account servicing activities.
To verify your identity and protect against fraud, unauthorized access, and improper disclosure of account information.
To improve our website, services, and customer support.
To comply with legal and regulatory obligations.
To send you promotional and marketing materials if you have opted-in to receive them.

Disclosure of Your Personal Information

We may disclose personal information to service providers that perform functions on our behalf, such as payment processing, account servicing, communications, technology, mailing, and other business support services, as permitted by applicable law. We may also disclose information to creditors, attorneys, government authorities, consumer reporting agencies, and other parties when such disclosure is permitted or required by applicable law. We take reasonable steps to limit access to and disclosure of information concerning consumer accounts to persons and entities authorized to receive such information under applicable law.

Business Transactions

If Pacific Capital Exchange is involved in a merger, acquisition or asset sale, your personal information may be transferred.

Other legal requirements

Pacific Capital Exchange may disclose your personal information in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the company
Prevent or investigate possible wrongdoing in connection with the service
Protect the personal safety of users of the service or the public
Protect against legal liability

Data Retention
We retain personal information for as long as reasonably necessary to administer and service accounts, process transactions, comply with legal and regulatory requirements, maintain appropriate business and financial records, resolve disputes, enforce our agreements, and protect our rights and the rights of others. We may retain certain information for longer periods when required or permitted by applicable law.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Children's Privacy

Our website and services are not directed to children under 13, and we do not knowingly collect personal information from children under 13 through our website. If we become aware that we have inadvertently collected personal information from a child under 13, we will take reasonable steps to delete it, subject to applicable legal and record-retention requirements.

Text Messaging

We do not sell or share mobile telephone numbers, text messaging 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 and administer our text messaging services, subject to applicable law.

Third-Party Links

The Site may contain links to third-party websites. We are not responsible for the privacy practices or content of these websites. We encourage you to review the privacy policies of any third-party sites you visit.

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:

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