At Sentry Credit, Inc., we prioritize your privacy. This Privacy Policy outlines our practices concerning the collection, use, maintenance, and disclosure of your personal information. Changes to this Privacy Policy are effective immediately upon update.

We encourage regular visits to this page to stay informed about updates to our Privacy Policy. It is your responsibility to periodically review our Privacy Policy. Continued use of the Site following policy modifications indicates your acknowledgment and acceptance of the updated policy.

Personal Information We Collect

Personal identification information pertains to data that enables us to identify or get in touch with you.

To enhance and provide our services, we gather personal information, largely sourced from creditors or directly from our interactions with you via services, emails, consumer account pages/payment portals (our “Web Applications”), and telephonic communication.

Here's a sampling of the kinds of personal data we might gather from consumers undergoing debt collection:

When an account is transferred to Sentry Credit, Inc., we obtain various information from the creditor, including identifiers like: full name, date of birth, phone number, address, email address, account number, original creditor, current creditor, balance, and possibly payment history.
Sensitive personal information like social security numbers, payment card details, or financial account information may be collected.
Any information you directly provide to us, whether via phone, email, SMS, Web Applications, or another channel, may be collected. For instance, if you engage with Sentry Credit, Inc. Web Applications to fill a form or establish a payment plan, data like your name, email, address, phone number, and credit card or other personal details will be collected.
When accessing Sentry Credit, Inc. emails or Web Applications, we may gather various internet or other electronic network activity information, stored in log files. This includes but is not limited to IP address, browser type/language, ISP, device type, operating system, date/time stamp, user interaction data (e.g., clicks or navigation in emails and Web Applications), URL information, email open rates, and possibly credit card or bank account details.
When you visit sentry.avtal.com, various internet or other electronic network activity information may be collected and stored in log files. This can include, but is not limited to, IP address, usage location, browser type/language, ISP, device type, operating system, date/time stamp, user interaction data (e.g., clicks or navigation), and URL information, among other possible data points.

For Other Website Visitors or Individuals Interacting With Us

If you interact with us through our website or in other ways and you are not a consumer in collection, employee, or business contact, we may collect any of the aforementioned categories of personal information, depending on the nature of the interaction.

Using Personal Information

Personal information is utilized based on the consumer category to deliver our services.

We use personal information to accurately identify consumers, enhance our services, analyze trends, administer our Web Applications, understand user behavior through emails and Web Applications, and ensure compliance with state, federal, and local laws.

Here are some examples of how Sentry Credit, Inc. uses consumer personal information:

Personal information is employed to send communications about your account.
We utilize your personal information to verify your identity. For instance, contacting our office will require you to provide personal details, such as full name, address, and email, to confirm your identity and account. While you can refuse to provide personal information, it may restrict our ability to communicate or verify your account.
Personal information is utilized to process payments and other authorized account activities.
Personal information aids in developing and improving our content and services, also facilitating internal audits and data analysis.
Ensuring security and integrity, personal information is used to a necessary and proportionate extent.
Personal information is used as mandated to fulfill our regulatory and legal obligations.

Pixel tags are used in our consumer emails. Depending on your email provider, these tags notify us when an email has been opened. If you prefer not to be tracked, please do not open the emails.

Sentry Credit, Inc. Web Applications do not acknowledge “do not track” browser requests. The obtained tracking information is treated as non-personal, unless local laws dictate otherwise. If such information is merged with personal information, the combined data is regarded as personal information under this Privacy Policy.

Sources of Personal Information

If you are a consumer in the debt collection process, Sentry Credit, Inc. acquires your personal information from the entity assigning your account to us for services, which may be the creditor or current creditor, for instance. We also gather information directly from your communications, whether via phone, email, or use of our Web Applications. Additionally, we might obtain information through vendors aiding us in verifying the accuracy of data concerning addresses, phone numbers, bankruptcy, and deceased statuses.

Disclosures of Personal information

We disclose personal information, such as identifiers, only to selected service providers and contractors, termed “Vendors,” to assist us in delivering our services, which encompasses payment processing, mailing, data verification, customer data management, and service enhancement among others.

We mandate Vendors to manage disclosed information compliantly with applicable laws.

When disclosing we only provide the minimum amount of information necessary for the particular Vendor to assist us in providing our services. Here are some examples of how Sentry Credit, Inc. discloses personal information:

For payment facilitation, we disclose sensitive personal information, like your credit card or bank details, to the card-issuing bank to execute the authorized payment.
For delivering content, your email address, physical address, or phone number is disclosed to the delivery service to facilitate communication, message, or document delivery as per your request.
To ascertain collectibility, we disclose the name and address to verify the absence of bankruptcy, deceased status, or any changes in address or phone number since account receipt.
In debt collection licensing matters, we share account information with state regulators performing audits in compliance with state or federal licensing statutes.
Occasionally, legal enforcement or judicial authorities may mandate information provision. We will disclose personal information in accordance with a court order, subpoena, or to collaborate with a law enforcement investigation.

Legal obligations may also necessitate your information disclosure to local, state, or federal government authorities or courts. Such disclosures will only occur when legally founded or when reasonably essential to manifest compliance with the law.

We might disclose various categories of personal information to third parties for certain business purposes: ensuring security and integrity, debugging to locate and fix errors that hinder intended functionality, performing services like account maintenance, customer service, dispute processing, information verification, payment processing, analytic services, etc., and conducting internal technological development and demonstration research.

We may share generic, aggregated demographic information, unlinked to any personal information, with our clients, prospective clients, and federal, state, and local regulators about visitor and user interactions with our products and services.

Strictly No Selling or Sharing of Personal Information

We neither sell nor share personal information for behavioral advertising. Mobile numbers will not be shared or sold with third parties or affiliates for marketing or promotional purposes. Our vendors are also prohibited from doing so. Personal information of minors under 16 is neither sold nor shared without explicit consent.

Retention of Personal Information

Sentry Credit, Inc. holds your personal information as long as needed for service delivery, contract fulfillment, and legal compliance. Retention duration is the minimum needed, unless otherwise mandated by law or business necessity.

Integrity and Personal Information Rights

You're encouraged to keep your contact details and preferences accurate and current.

As a consumer, you can access your account details via links in Sentry Credit, Inc. emails. To inquire about, correct, or remove your information, contact help@sentrycredit.com or call the specified helpline.

During your request's processing, identity verification will be required via your name, email, or phone number. Authorized agents can act for you if they present proper documentation, like a power of attorney, confirming your consent.

How We Delete

We're legally required to maintain personal information.

We keep consumers' collection data as mandated by the contract with the creditor and applicable legal time frames, including state and federal regulations.

Once legal retention periods expire, we remove your data following our data retention policies.

California Consumer Privacy Act

Requests to Know, Correct, or Delete

For inquiries about data correction or deletion, refer to the "Integrity and Personal Information Rights" section above.

Direct Creditor Requests

For consumers in collection, details for exercising rights directly with your creditor are available."

Contacting Us

For questions about this Privacy Policy, contact Sentry Credit, Inc. at: Phone: (855) 740-3400 Email: help@sentrycredit.com