Reconnecting Banks
with Consumers Since 2002

 

Consumer Disclosure

This communication is an attempt to collect a debt by a debt collector. Any information obtained will be used for that purpose.
Automated “24/7 Phone Payment” Service:

• There is no fee for utilizing the Automated “24/7 Phone Payment” Service.
• Please be advised, if you are currently enrolled in an automatic draft, making this payment will not stop the automatic draft from occurring.
• You may use your credit card or debit card to make this payment. No checking or savings account payments are accepted.
• Please allow two business days for your payment to reflect on your account.
• To ensure your payment is processed effectively, please listen to all of the message options. Once your payment has been processed please remain on the line for your confirmation number. Please retain this confirmation number for your records.

Online Payment Service:

• There may be a fee for utilizing the Online Payment Service. By submitting payment information through the Online Payment Service you agree to the terms and conditions of this Agreement and any documents incorporated by reference. You further agree that this User Agreement forms a legally binding contract between you and this agency, and that this Agreement constitutes ‘a writing signed by You’ under any applicable law or regulation. Any rights not expressly granted herein are reserved by this agency. By re-entering your password and selecting “Issue Payment”, you agree to the terms and conditions of the payment plan you have created and apply your electronic signature. The Fee Amount will be charged by and paid to Nuvei Commerce for the use of this site as a software fee. Your statement will show this as a separate transaction.
• Please be advised, if you are currently enrolled in an automatic draft, making this payment will not stop the automatic draft from occurring.
• You may use your credit card to make this payment.
• Please allow two business days for your payment to reflect on your account.
• You will receive an email confirmation once your payment has been processed. Please retain this information for your records.

Texting:

By providing us with your mobile number and opting-in, you give Darnel, Inc. permission to send you account-related text messages, like payment reminders and notifications in conjunction with the services you have requested.

• Number of messages will vary by account.
• Message and data rates may apply.
• To opt-out, text STOP to any text message we send you. An opt-out confirmation message will be sent back to you.
• To request support, text HELP to any text message we send you or email us at letters@darnelrecovery.com.
• If your handset does not support MMS, any MMS messages sent may be delivered as SMS messages.
• Wireless carriers are not liable for undelivered or delayed messages.

AI Chatbot:

This website and your consumer portal utilizes an AI (Artificial Intelligence) chatbot which is programmed to provide helpful information and assistance based on available data and predefined algorithms. While the chatbot aims to offer accurate and helpful responses, its information may not always be exhaustive, up-to-date, or tailored to individual circumstances. It should not be considered a substitute for professional advice from one of our agents. Users are encouraged to verify critical information and consult with our office for specific concerns or decisions. We do not assume liability for actions taken based on the chatbot’s responses. Any interaction with our AI chatbot does not constitute the rendering of professional advice. By using the chatbot, you acknowledge and agree to these terms.

State Disclosures

Tennessee: This collection agency is licensed by the Collection Service Board, State Department of Commerce and Insurance, 500 James Robertson Parkway, Nashville, TN 37243

Privacy Policy

Privacy Policy Overview

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. All of the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

This Privacy Policy discloses the privacy practices of Darnel, Inc. (“Darnel”, “us,” or “we”). We are committed to protecting and respecting your privacy. This privacy policy has been compiled to better serve those who are concerned with how their personal information is being used. Personal information, as described in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, share, protect or otherwise handle your personal information. Darnel’s website is located at https://darnelrecovery.com (its “website”) and is not intended for individuals less than the age of eighteen. Darnel does not knowingly collect data relating to individuals less than the age of eighteen. Nothing in this Privacy Notice is intended to contradict your rights under the Fair Debt Collection Practices Act. Darnel will not disclose any information to third parties that is otherwise prohibited by the FDCPA.

Data Controller

Darnel is the data controller and responsible for your personal data. Questions, comments, and complaints about Darnel’s data practices can be submitted to:

Darnel, Inc.
PO Box 2416
Covington, GA 30015
Toll-free Telephone Number: 1-833-545-4500
E-Mail: letters@darnelrecovery.com

Information We Collect

We may have collected the following categories of personal information from consumers within the last 12 months:

A. Identifiers	A real name, alias, postal address, email address, telephone numbers, Internet Protocol address, account number, Social Security number, date of birth, or other similar identifiers.	Yes
B. Personal Information Categories	A name, signature, Social Security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, credit card number, debit card number, or any other financial information, medical information, or health insurance information. Some personal information included in this category may overlap with other categories.	Yes
C. Commercial Information	Records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories or tendencies.	Yes
D. Professional or Employment-Related Information	Current or past job history.	Yes

How We Use Your Information

Personal information is collected solely for the purpose of debt recovery in a lawful manner and remains part of our records until we determine the information is no longer needed, or we are required by law to delete such information. We will collect the minimum amount of data necessary to collect a debt.

We will not collect additional categories of personal information or use the personal information we collected for materially different, unrelated, or incompatible purposes without providing you notice. We do not sell and will not sell your personal information.

How We Collect Your Information

We collect most of this personal information directly from our clients for whom we provide services to, as well as from you by telephone, written correspondence through the mail, email or fax, by viewing public social media/network pages, or other information available online. However, we may also collect information:

• From publicly accessible sources (e.g., property records or court records);
• From your transactions with us;
• From our service providers (e.g., letter vendor, location vendors, payment processing vendors, call analytics vendor, and/or electronic signature service provider);
• Directly from a third party (e.g., third parties contacted during location activities pursuant to 15 U.S.C. §1692b, such as your friends, neighbors, relatives, and/or employer);
• Consumer reporting agencies (CRAs)
• From a third party with your consent (e.g., your authorized representative and/or attorney); and
• From activity on any of our websites.

How We Share Your Information

Darnel may share personally identifiable information it collects with its employees who need to know that information to service your account. Except as provided below, Darnel does not share or disclose any personally identifiable information to any company or marketing group external to Darnel. Darnel may share your personal information with third parties to the extent it is reasonably necessary to manage or service your account, verify employment, determine location, process payment, fulfill a transaction, provide customer service, or as otherwise authorized by law.

Further, Darnel may disclose personally identifiable information (i) to another entity with which Darnel enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or in connection with litigation brought against, or on behalf of, Darnel, where appropriate, (iii) to a third party if determined by Darnel in its sole judgment that such disclosure is appropriate to protect the life, health, or property of Darnel or any other person or entity, all in compliance with applicable law, (iv) to third parties as authorized or designated by you, or (v) to conduct any other legitimate business activity not otherwise prohibited by law. The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Darnel.

Except as necessary for Darnel to provide the services, information, or products requested by a website user, or except for the disclosures identified in the preceding paragraphs, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to Darnel through or
from its website, prospectively retained by Darnel, used by Darnel for secondary purposes, or disclosed by Darnel to third parties.

E-mail posted or sent to Darnel may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, or because we can not verify your identity, we may be unable to respond to e-mail requests concerning accounts placed for collection unless you
have requested or authorized us to do so.

Sharing your information with Consumer Reporting Agencies

Consumer Reporting Agencies (CRAs) collect and maintain information on consumer and business credit profiles on behalf of organizations in the United States. We may share information about you with CRAs and may carry out periodic searches with them to verify your identity or manage your account. Details of your account(s) with us may be sent to CRAs and recorded by them. This information may be supplied by CRAs and may be used and searched by us and other organizations, such as debt collection agencies, in order to:

• consider applications for credit and credit related services;
• locate debtors and recover debts; and
• manage your accounts.

Darnel may furnish account information to Experian, Equifax, and Trans Union. You have a right to obtain an annual copy of your credit file from CRAs by visiting https://www.annualcreditreport.com.

Your Choices

Darnel offers you certain choices in connection with the personal data it collects from you, including:

Your Darnel Account: You may review, update and correct your contact information, including your telephone number and email address, after logging in to the website located at www.darnelrecovery.com/myaccount, or by calling our office.

Your Choice to Decline Cookies: You may adjust your browser settings to decline cookies if you do not want to accept Darnel’s cookies. However, declining cookies may affect proper operation of Darnel’s website.

Your Payments: You can elect not to utilize the payment portal of Darnel’s website and not to make payments via credit card or check.

If you have any questions regarding any of these choices, please contact Darnel. Our Contact Address is:

Darnel, Inc.
Po Box 2416
Covington, GA 30015
Toll-free Telephone Number: 1-833-545-4500
E-Mail: letters@darnelrecovery.com

How Long We Keep Your Information

Darnel will retain your personal data until we determine the information is no longer needed, or as otherwise required by law.

How We Protect Information

Darnel has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. We employ internal and external system safeguards designed to protect confidentiality and security of personal information. Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology.

We use regular malware and virus scanning. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. All transactions are processed through a gateway provider and are not stored or processed on our servers.

The confidentiality of any communication or material transmitted to or from Darnel via the website or via e-mail cannot be, and is not, guaranteed. You acknowledge that the technical processing and transmission of the website’s content may be transferred unencrypted and involve: (a) transmissions over various networks; and (b) changes to confirm and adapt to technical requirements of connecting
networks or devices.

If any questions arise about security, please contact Darnel using the information provided above.

Links to Other Websites

Our website may contain links to enable you to visit other websites of interest easily. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide while visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Privacy Notice Changes

Darnel may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement, will be posted on the website after the change. It is the obligation of users visiting the website before the change to learn of changes to the Privacy Notice since their last visit.

Last Updated: 10/02/2024