Privacy

Professional Service Bureau, Inc. (PSB) respects the privacy of our users and the importance of the information they entrust to us. Summarized in this Privacy Policy (“Policy”) are our policies and processes for protecting the privacy of all Personal Information gathered from consumers, prospective consumers, customers, potential customers, clients, potential clients and visitors to our website. This Policy explains when and how such information is collected, used and safeguarded. This Policy also explains how anyone can update their personal contact information and specify what information, if any, they would like to receive from PSB on an on-going basis.

PSB is committed to ensuring your privacy and protecting the security of your Personal Information. This policy does not cover third party sites that are linked to or from the Website. This Policy does not apply to other entities that we do not own or control or persons that are not our employees, agents or within our control. By using this Website, you are agreeing to the terms of this Policy. If you do not agree with any terms or
practices described in this Policy, please exit from this Website.

Collecting Personal Information
You can access our Website without providing us with any Personal Information. However, PSB does collect Personal Information in various locations on our Website when you request specific information. We may collect information that can identify you (“Personal Information”). Such information includes your name, address, telephone number(s), account number and Social Security number or other identifying information.

Information We Collect
When you request information from our Website, such as detail or information regarding your account, we ask you to provide Personal Information to verify that you are a person to whom such detail can be provided.

Cookies
This website stores cookies on your computer. These cookies are used to collect information about how you interact with our website and allow us to remember you. We use this information in order to improve and customize your browsing experience and for analytics and metrics about our visitors both on this website and other media. Cookies are stored up to 13 months and automatically expired at that time. To find out more about the cookies we use, please email compliance@psbmars.com

Use of Personal Information
We will not disclose any Personal Information collected, except as described below. Otherwise, the provisions of this Policy are limited only by legal process, negotiated contract and the technical operation of the Website. We use the information you provide so that we may in turn provide you with information that you requested or that we believe will be beneficial to you. This could include collection notices, settlement offers and payment receipts.

Disclosures Required by Law
We may disclose Personal Information when required by law or in the good faith belief that such action is necessary in order to conform to the requirements of the law or comply with and respond to legal process served on us.

Sharing Information with Third Parties
We do not sell or trade any Personal Information about our customers, prospects, consumers or visitors to any third parties. We will not share your Personal Information with others, except as indicated below. We may share Personal Information with:

  • Service providers, such as credit-card payment processors performing services on our behalf;
  • Consumer reporting agencies (a/k/a credit bureaus) regarding your payment history with us; and
  • Law enforcement authorities in limited circumstances, such as complying with legal requirements including, but not limited to the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Gramm-Leach Bliley Act, the Health Insurance Portability and Accountability Act and their implementing regulations, preventing fraud and identity theft and protecting the safety of our users.

Your Choices
You may choose: not to provide Personal Information, although that may result in your inability to obtain certain services or to use certain features of our Website; to review and update your Personal Information by contacting us at the address information below or, if you have an online account on our Website, by logging into that account.

Storage of Personal Information and Security
We take reasonable precautions to protect the Personal Information we collect from our Website users and visitors. When users submit Personal Information via the Website, the information is housed in a secure database. To prevent unauthorized access, maintain data accuracy, and ensure the appropriate use of information, we have put in place physical, electronic, managerial and other security measures to safeguard and
secure the Personal Information we maintain from unauthorized access, alteration, use or disclosure. PSB uses industry-standard technology, such as firewalls, in an effort to protect the confidentiality of your Personal Information. Moreover, only employees who need the information to perform their duties are granted access to Personal Information. While we strive to protect your Personal Information, you should know that information sent over the Internet, whether by e-mail or by using our online system and Website, is not necessarily secure against interception. Therefore, we cannot be responsible for such interception and cannot guarantee the security of such information.

Changes to our Privacy Policy
From time-to-time, we may update our Privacy Policy to reflect changes in our practices and services. If we make material changes in the way we collect, use or share Personal Information, we will notify you by prominently posting notice of the changes on our Website.

No Guarantees
While this Policy states our standards for maintenance of Personal Information and we will make efforts to meet them, we are not in a position to guarantee these standards. There may be factors beyond our control that may result in disclosure of Personal Information. As a consequence, we disclaim any warranties or representations relating to maintenance or nondisclosure of any Personal Information collected from Website users or visitors.

Links to Third Party Websites
Please be advised that this Website may contain certain hyperlinks to other websites. Although these websites may have privacy policies, all of these websites and their privacy policies are independent of our Website and this Policy. We are not responsible for compliance with other websites’ privacy policies or data collection practices. You should review these privacy policies carefully before providing Personal Information to these websites.

Protection of Children’s Privacy
We understand the importance of protecting children’s privacy, particularly in an online environment. This Website is not designed to attract children under the age of thirteen (13). It is our policy never to knowingly collect or maintain Personal Information about any person under the age of thirteen (13).

Contact Us
If you have questions or suggestions about our Website, this Policy or our information practices, please contact us at:
Attn: Compliance
Professional Service Bureau, Inc
911 Lund Blvd
Suite 100
Anoka, MN 55303
Effective 12/11/2019