Last Updated: April 23, 2002

Terms of Service
The user consents to ProCor's privacy policy by using the site. If the user does not agree with this policy, then please do not use our site.

Privacy Policy
Our company policy is not to collect personally identifiable information about users of our web site without their consent. Users demonstrate their consent for us to collect and retain this information by supplying us with this personally identifiable information at several points on our site. Personal information includes information that is provided by the user to ProCor. We recognize the importance of protecting the user's personal information and we are committed to providing a secure, efficient online experience. The policies outlined below describe ProCor's policies to protect the user's privacy.

Information Collection, Use, and Retention
ProCor is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in ways different from what is disclosed in this statement. ProCor collects information from users at several different points on our website. Personal information is not collected without the user's consent and awareness. ProCor is a debt collection agency. ProCor retains and uses only the information about the user that is required by law to administer ProCor's business and provide a high-level of service to our clients. We retain this information no longer than necessary to meet these objectives.

Identifying Information Provided by the User
We request information from the user on our secured Client Portal and "Become a Client" form. On the Client Portal, users will provide us their UserID and Password to gain access. This information is used to securely identify the user to gain access to privileged debtor information.

On the "Become a Client" form, users may provide contact information (such as name, address, email address, phone number, etc.). This information is used to allow us to make contact with user to arrange for a consultation.

Log Files
We use IP addresses to analyze trends and administer the site. IP addresses are not linked to personally identifiable information. We count the number of visits and length of time spent per page so that we can determine what the viewer finds useful on our site.

Sharing Information
The information provided will NOT be shared with any other party, client, or third party service. It is our intent to keep your information private and only to be used to provide you services requested.

Restrictions on the Disclosure of Account Information
ProCor provides information about user's accounts or other personally identifiable data to third parties only when: the user requests/requires it, the disclosure is required by law, or it is necessary to process transactions and provide our services to the client.

Links to Other Web Sites
This web site may contain links to other sites. Please be aware that we at ProCor are not responsible for the privacy practices of such other sites. We encourage our users to be aware when they leave our site and to read the privacy statements of each and every web site that collects personally identifiable information. This privacy statement applies solely to information collected by this Web site.

Security
This website takes every precaution to protect the users' information. When users submit sensitive information via the website, this information is protected both online and off-line. We caution users to only send confidential information by using the encrypted forms provided on this site, by phone or by postal mail only. E-MAIL IS NOT CONSIDERED A SECURE WAY TO SEND INFORMATION OVER THE INTERNET. When our online forms asks users to enter sensitive, personally identifiable information, that information is encrypted (128 bit key) and is protected with the best encryption software in the industry - SSL. While on a secure page, such as our Client Portal, the lock icon on the bottom of web browser such as Netscape Navigator and Microsoft Internet Explorer becomes locked, as opposed to unlocked, or open, when the user is just 'surfing.'

While we use SSL encryption to protect sensitive information online, we have established security measures in place to protect user information off-line. All of the user information, not just the sensitive information mentioned above, is restricted in our offices. Only employees who need the information to perform a specific job (for example, our associates, account managers or customer service representatives, auditors) are granted access to personally identifiable information.

Our offices have secured access to the buildings and equipment. Computers and computer terminals are password protected. Employees gain access to their computers and terminals by logging onto the system. Our employees must log off the system when they leave their computers.

All employees are kept up-to-date on our security and privacy practices. Any time new policies are added, our employees are notified and/or reminded about the importance we place on privacy, and what they can do to ensure our customers' information is protected.

Finally, the servers and any backup data where we store personally identifiable information on are kept in a secure environment.

Correction/Updating Personal information
A user's personally identifiable information (such as address, phone number, zip code) can be updated or corrected by phone, fax or postal mail.

Enforcement
ProCor periodically reviews and audits processes and operations to ensure compliance with all laws pertaining to confidential use of information and collection practices. These reviews are related to consumer privacy, governmental regulations and are conducted by internal staff and auditors.

Notification of Changes
We reserve the right to change this policy at any time by posting any changes at this location (URL) so our users are always aware of what information we collect, how we use it, and under certain circumstances, if any, how we disclose it.

General Inquiries
If you have any questions regarding this privacy statement, our security or our web site, contact us by email at: al@procorinc.com, call us at 828-631-1701, or write to us at 126 Sylva Plaza, Sylva, NC 28779.

We thank you for your interest in our company and we respect your privacy.