Sherloq Financial

Merchants Association Collection Division Inc., doing business as Sherloq Financial, is committed to protecting your privacy and developing technology that gives you the most effective and safe online experience. This Privacy Policy applies to the Sherloq Financial site and governs data collection and usage. By using the Sherloq Financial site, you consent to the data practices described in this Policy.

Collection of your Personal Information

Sherloq Financial collects personally identifiable information, such as your email address, name, address or telephone number. Sherloq Financial also collects anonymous demographic information, which is not unique to you, such as your ZIP code, age, or gender.

There is also information about your computer hardware and software that is automatically collected by Sherloq Financial This information can include: your IP address, browser type, access times and referring website addresses. This information is used by Sherloq Financial for the operation of the service, to maintain quality of the service, and to provide general statistics regarding use of the Sherloq Financial site.

Please keep in mind that if you directly disclose personally identifiable information or personally sensitive data through the Sherloq Financial site, this information may be collected and used by others.

Sherloq Financial is not responsible for the privacy policies or other content on websites outside of the Sherloq Financial website.

Use of your Personal Information

Sherloq Financial collects and uses your personal information to operate the Sherloq Financial website and deliver the services you have requested. Sherloq Financial also uses your personally identifiable information to inform you of other products or services available from Sherloq Financial and its affiliates.

Sherloq Financial does not sell, rent or lease its customer lists to third parties. Sherloq Financial may share data with trusted partners to help us perform statistical analysis, send you email or postal mail, provide customer support, or arrange for deliveries. All such third parties are prohibited from using your personal information except to provide these services to Sherloq Financial, and they are required to maintain the confidentiality of your information.

Sherloq Financial does not use or disclose sensitive personal information, such as race, religion, or political affiliations, without your express consent. Sherloq Financial keeps track of the websites and pages our customers visit within Sherloq Financial, in order to determine what Sherloq Financial services are the most popular. This data is used to deliver customized content and advertising within Sherloq Financial to customers whose behavior indicates that they are interested in a particular subject area.

Sherloq Financial websites will disclose your personal information, without notice, only if required to do so by law or in the good faith belief that such action is necessary to: (a) conform to the requirements of the law or comply with legal process served on Sherloq Financial or the site; (b) protect and defend the rights or property of Sherloq Financial; and, (c) act under exigent circumstances to protect the personal safety of users of Sherloq Financial, or the public.

Use of Cookies

The Sherloq Financial website uses "cookies" to help you personalize your online experience. A cookie is a text file that is placed on your computer by a website server. Cookies are uniquely assigned to your login and stored within your browser.

One of the primary purposes of cookies is to provide a convenience feature to save you time. The purpose of a cookie is to tell the web server that you have returned to a specific page. For example, if you personalize Sherloq Financial pages, or register with Sherloq Financial site or services, a cookie helps Sherloq Financial to recall your specific information on subsequent visits. This simplifies the process of recording your personal information, such as billing addresses, telephone number, and so on. When you return to the same Sherloq Financial website, the information you previously provided can be retrieved, so you can easily use the Sherloq Financial features that you customized.

You have the ability to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. If you choose to decline cookies, you may not be able to fully experience the interactive features of the Sherloq Financial services or websites you visit.

Security of your Personal Information

Sherloq Financial secures your personal information from unauthorized access, use or disclosure. Sherloq Financial secures the personally identifiable information you provide on computer servers in a controlled, secure environment, protected from unauthorized access, use or disclosure. When personal information (such as a credit card number) is transmitted to other websites, it is protected through the use of encryption, such as the Transport Layer Security (TLS) protocol.

Limitations

California law permits users of our website to request certain information regarding our disclosure of personal information to third parties for their direct marketing purposes. To make such a request, please contact us.

Changes to this Policy

Sherloq Financial will occasionally update this Privacy Policy to reflect company and customer feedback. Sherloq Financial encourages you to periodically review this Policy to be informed of how Sherloq Financial is protecting your information.

Contact Information

Sherloq Financial welcomes your comments regarding this Privacy Policy. If you believe that Sherloq Financial has not adhered to this Policy, please contact us. We will use commercially reasonable efforts to promptly determine and address any issues.

State Disclosures:

California:

The state Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personnel calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov.

For a medical debt, nonprofit credit counseling services may be available in the area.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations.

Colorado:

A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR.

Our Colorado local office is located at: Colorado Manager, Inc. 8690 Wolff Court, Suite110, Westminster, CO 80031 ph. (303) 920-4763.

Massachusetts:

NOTICE OF IMPORTANT RIGHTS: You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within seven days of such request. You may terminate this request by writing to the debt collector.

Minnesota:

This collection agency is licensed by the Minnesota Department of Commerce. For a hospital debt, if you feel that your concerns have not been addressed, please contact Sherloq Financial at 1-800-749-7710 and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General’s Office, which can be reached at 651-296-3353 or 1-800-657-3787.

Nevada:

For a medical debt, if you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as an acknowledgment of the debt by you and a waiver by you of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If you do not understand or have questions concerning your legal rights or obligations relating to this debt, you should seek legal advice.

New York State:

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1. Supplemental security income, (SSI); 2. Social security; 3. Public assistance (welfare); 4. Spousal support, maintenance (alimony) or child support; 5. Unemployment benefits; 6. Disability benefits; 7. Workers’ compensation benefits; 8. Public or private pensions; 9. Veterans’ benefits; 10. Federal student loans, federal student grants, and federal work study funds; and 11. Ninety percent of your wages or salary earned in the last sixty days.

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to: (i) the use or threat of violence; (ii) the use of obscene or profane language; and (iii) repeated phone calls made with the intent to annoy, abuse, or harass.

North Carolina:

Merchants Association Collection Division Inc. doing business as Sherloq Financial. Department of Insurance Permit Number 102827 – Main Office: 134 S Tampa St, Tampa FL 33602.

Merchants Association Collection Division Inc. doing business as Sherloq Financial. North Carolina Department of Insurance Permit Number 114042 – Branch Location: 13561 S W Bayshore Dr. Suite 250, Traverse City MI 49684.

Tennessee:

Sherloq Financial is licensed by the Collection Service Board of the Tennessee Department of Commerce and Insurance.

Utah:

As required by Utah law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. We will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described on the front of this letter.

Wisconsin:

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org.

Revised 09/27/2022.