Privacy Policy

Introduction and Consent

This site is owned by PRA Group, Inc. (“PRA Group” or “we,” “our” or “us”). This Privacy Policy applies to www.pragroup.com (“PRA Group Website”) and to your use of the PRA Group Website regardless of how you access said website. This policy is designed to tell you about our practices regarding collection, use, and disclosures of information you may provide us via this site. Please read this entire Privacy Policy before using this site. This site is governed solely by applicable Federal and State laws and governmental regulation in the United States. Whenever you access this site, you consent to the collection, use and disclosure of such information in accordance with such laws and regulations and to our Privacy Policy.

What information does the PRA Group Website collect?

As you navigate through the PRA Group Website certain information (“Usage Information”) can be passively collected and gathered without you actively submitting or providing such information. Such Usage Information may be collected using various technologies and means, such as navigational data collection. The PRA Group Website may use some or all of the navigational data technologies listed below with definitions that are in common use within the internet communications community such as Internet Protocol (IP) Addresses assigned to your computer by your internet service provider, “Cookies” and “Session Cookies”, Navigational Data such as “log files,” “server logs,” and “clickstream data” , and web beacons. In addition, the PRA Group Website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses cookies to analyze use patterns and may collect information about your use of the website, including your IP address. The foregoing are only examples of such technologies employed. PRA Group, Inc. reserves the right to introduce similar new passive tracking technologies and techniques related to the use of the PRA Group Website in compliance with applicable law. Certain features of the PRA Group Website may not work without use of passive information collection technologies. Usage Information collected by these technologies cannot be used to identity you without additional identifiable information.

Use and Disclosure of Information

Unless stated otherwise, we may use the Usage Information collected to improve the content of our site, for our marketing and research purposes, to improve the overall experience of the PRA Group Website, for internal business purposes, and for purposes disclosed at the time your information is collected or as otherwise set forth in this Privacy Policy. We may share the Usage Information, such as aggregated user statistics, with third parties. We may use third-party vendors to perform certain services on behalf of us or the PRA Group Website, such as: (i) to assist us in PRA Group Website operations; (ii) hosting the PRA Group Website; (iii) designing and/or operating PRA Group Website’s features; (iv) tracking PRA Group Website’s activities and analytics (v) and other services designed to assist us in maximizing our business potential. We may provide these vendors with access to Usage Information to carry out the services they are performing for us. Third-party analytics and other service providers may set and access their own passive information collection technologies on your access device and they may otherwise collect or have access to information about you. We are not responsible for those third party technologies or activities arising out of them. We will make full use of all information acquired through the PRA Group Website that is not in personally identifiable form.

We may access, use, preserve, transfer and disclose your Usage Information to third parties: (i) to satisfy any applicable law, regulation, subpoenas, governmental requests or legal process if in our good faith opinion such is required or permitted by law; (ii) to protect and/or defend the PRA Group Website’s Terms and Conditions or other policies applicable to the PRA Group Website, including investigation of potential violations thereof; (iii) to protect the safety, rights, property or security of the PRA Group Website or any third party; and/or (iv) to detect, prevent or otherwise address fraud, security or technical issues. Further, we may use Usage Information, to identify users, and may do so in cooperation with third parties such as copyright owners, internet service providers, wireless service providers and/or law enforcement agencies, including disclosing such information to third parties, all in our discretion, subject to applicable law. Such disclosures may be carried out without notice to you.

We may share your Usage Information with our subsidiaries and affiliates. We also reserve the right to disclose and transfer all such Usage Information: (i) to a subsequent owner, co-owner or operator of the PRA Group Website or applicable database; or (ii) in connection with a merger, consolidation, restructuring, the sale of substantially all of our interests and/or assets or other corporate change, including, during the course of any due diligence process.

Security

We endeavor to incorporate commercially reasonable safeguards to help protect and secure your information. However, no data transmission over the Internet, mobile networks, wireless transmission or electronic storage of information can be guaranteed to be fully secure or error-free. We cannot ensure the security of information, if any, that you transmit to us, and you use the PRA Group Website and provide us with your information, if any, at your own risk.

Links to Other Websites

The PRA Group Website may contain links or references to other websites. Please be aware that this Privacy Policy does not apply to those websites and we encourage you to review the privacy policies of all websites you visit. The PRA Group Website may contain content, links or apps that are supplied by a third party, and those third parties may collect Usage Information when pages from the PRA Group Website are served to you for their own commercial purposes. In addition, when you are on the PRA Group Website you may be directed to other sites and apps that are operated and controlled by third parties that we do not control. We are not responsible for the data collection and privacy practices employed by any of these third parties or their sites or apps and they may be tracking you across multiple online services and may be sharing the results of that tracking with us and/or others. These third parties may have their own terms of service, privacy policies or other policies and ask you to agree to the same. These other online services may associate their tracking technologies with you, independently collect information about you, including personal information, and may or may not have their own published privacy policies. We are not responsible for these third-party privacy policies or the practices of third parties. Be sure to review any available policies before submitting any personally identifiable information to a third-party application or otherwise interacting with it and exercise caution in connection with these applications. We also encourage you to note when you leave our site and to review the third-party privacy policies of all third-party sites.

Other Applicable Policies

Your use of this site is subject to the terms of this Privacy Policy and Terms and Conditions.

To contact us:

If you have any questions, comments, or concerns about this Privacy Policy, please contact us at (888) 772-7326.

Changes to this privacy policy:

We reserve the right to change this Privacy Policy at any time without notice to you. Any changes will be effective immediately upon the posting of the revised Privacy Policy and your use of the PRA Group Website indicates your consent to the privacy policy posted at the time of use.