Rev December 17, 2019

FACTS WHAT DOES PRA DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
  • Social Security number or other government-issued identification numbers;
  • Income and employment information;
  • Account balances and transaction history;
  • Payment history and credit history
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons PRA chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does PRA share? Can you limit this sharing?
For our everyday business purposes—
such as to process your transactions, maintain your account(s); respond to court orders and legal investigations or report to credit bureaus
Yes No
For our marketing purposes—
to offer our products and services to you
Yes No
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes—
such as information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes—
such as information about your creditworthiness
No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call us at 1-833-332-5865.
Who we are
Who is providing this notice? You are receiving this notice from Portfolio Recovery Associates, LLC ("PRA").
What we do
How does PRA protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does PRA collect my personal information? We collect your personal information, for example, when you
  • Provide account information or give us your contact information;
  • Pay your bills;
  • Use your debit card;
  • Give us your income information;
  • Provide employment information
We also collect your personal information from others, such as credit bureaus, prior owners of your account, our affiliates or subsidiaries, government agencies, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes-information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
  • Our affiliates include companies with a PRA name, such as PRA Group, Inc. and PRA Receivables Management, LLC.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • PRA does not share with nonaffiliates so they can market to you
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
  • PRA does not jointly market
Other important information

California Residents - In accordance with the California Financial Information Privacy Act, we will not share information we collect about California residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer's accounts. We also will limit the sharing of information about you with our affiliates to the extent required by applicable California law.

Vermont Residents - In accordance with Vermont law, we will not share information we collect about Vermont residents with nonaffiliates except as permitted by law, such as with the consent of the customer or to service the customer's accounts. We will not share creditworthiness information about Vermont residents among PRA's affiliates except with the authorization or consent of the Vermont resident.

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