The Western Management Consultants Privacy Policy

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Western Management Consultants (we, us, Western Management Consultants) is committed to protecting your privacy. It is critical that all users (you, your) of Western Management Consultants (www.paymentoptions.wmcllc.org) feel confident that their privacy is protected. Western Management Consultants will not sell, disseminate, disclose, trade, transmit, transfer, share, lease or rent any personally identifiable information to any third party not specifically authorized by you to receive your information except as we have disclosed to you in this Privacy Policy.

1. Information We Collect From You

When you visit Western Management Consultants, 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.

2. Furnishers of User Data

In order for Western Management Consultants to function for a user (the customer), data must have been furnished to Western Management Consultants that contains certain user data. Western Management Consultants 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). Western Management Consultants does not own the data furnished to us. Western Management Consultants provides Furnishers the minimum type of data required for Western Management Consultants to function. The minimum data required for Western Management Consultants 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. Western Management Consultants has no control over what data Furnishers maintain within the Western Management Consultants framework and/or to what extent beyond the minimum data requirements Furnisher may maintain within the Western Management Consultants framework. Western Management Consultants makes no warranty or guarantee as to the accuracy of Furnisher's data.

In order for a visitor to use Western Management Consultants, 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 Western Management Consultants, 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 Western Management Consultants 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 Western Management Consultants'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. Western Management Consultants always keeps all data secure and private unless expressly authorized by you that it may share.

3. Use and Sharing of Data Collected

Western Management Consultants 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 Western Management Consultants.

Western Management Consultants may use and share information as described below:

To inform customers of Western Management Consultants (creditors and collection companies) statistic on visitors and users;

Product and software development;

For editorial and feedback purposes;

To analyze user site usage;

To send alerts specific to your creditors and offers they may make;

To deliver to you any administrative notices relating to the use of Western Management Consultants;

In response to subpoenas and other legal processes;

For marketing and promotional purposes;

To enforce Western Management Consultants's Terms of Use; and

As otherwise stated in the Privacy Policy.

4. Offers for Third Party Products and Links to Other Websites

Western Management Consultants'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. Western Management Consultants is not responsible for the content or privacy policies of other such sites.

Western Management Consultants may also have relationships with third parties that provide products or services on Western Management Consultants's site and other related sites. These companies are clearly indicated on our Websites. Western Management Consultants's privacy policy does not apply to services or products offered by any third party. If you decide to request services or products from such companies, you grant Western Management Consultants permission to provide these third parties with personal information about you necessary to fulfill or process your request.

5. Emails from Western Management Consultants:

Users that provide their email address may occasionally receive emails from Western Management Consultants. Users have the option to opt-out of receiving emails from Western Management Consultants at any time by emailing info@wmcllc.org. 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 Western Management Consultants responsible for any consequences due to opting out of emails.

6. Cookies

Western Management Consultants may set and access cookies on your computer to track and store data you have entered while visiting www.paymentoptions.wmcllc.org. At Western Management Consultants, 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.

7. Security

Western Management Consultants 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 www.paymentoptions.wmcllc.org. Firewall barriers are also used to protect your account and information, from unauthorized access. Western Management Consultants site is tested and monitored regularly to ensure all areas are protected from possible hacking. The Western Management Consultants maintains servers in a secure location. Access to our servers requires several levels of authentication.

It is important to understand that while Western Management Consultants takes the above precautions to safeguard your information at Western Management Consultants, these precautions do not extend to any Third Party websites you may come across.

8. Public Forums outside Western Management Consultants

Western Management Consultants 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 www.paymentoptions.wmcllc.org. 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. Western Management Consultants is not responsible for the personal information you decide to submit to these forums. These forums may be hosted by Western Management Consultants and related entities or by one of our third party service providers on our behalf.

9. Disclosure of your information to protect Western Management Consultants's rights or if required by law

Notwithstanding the foregoing, The Western Management Consultants reserves the right (and you authorize Western Management Consultants) to share or disclose your personal information when Western Management Consultants determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:

To enforce our rights against a user or in connection with a breach by a user of this Privacy and Security Policy or The Western Management Consultants Terms of Use;

To enforce our rights against a data furnisher or in connection with a breach by a furnisher;

To provide user data collected by Western Management Consultants to a furnisher;

To prevent prohibited or illegal activities; or

When required by any applicable law, rule regulation, subpoena or other legal process.

10. Our Right to Contact Users

We reserve the right to contact site visitors and users regarding use of Western Management Consultants, status, changes to agreements, Privacy Policy, Site Terms of Use or any other policies or agreements relevant to site visitors.

11. Changes to Our Privacy Policy

If we make material changes to Western Management Consultants's Privacy Policy, we will notify you by using one of the following methods at least thirty (30) days prior to the effective date of change: We will post a notice on a webpage within www.paymentoptions.wmcllc.org describing the change(s) or we will send you an email notifying you of the change(s).

12. Contact us with questions or concerns

If you have any questions or concerns regarding this Privacy Policy, please send an email to info@wmcllc.org.

Western Management Consultants

1870 The Exchange Suite 200
Atlanta, GA 30339