PRA Group, Inc. Web Privacy Policy

Effective: 12/16/2022

This site is owned and controlled by PRA Group, Inc. (“PRA Group” or “we,” “our,” or “us”). This Web Privacy Policy describes the types of personal information we collect on www.pragroup.com (“the Website”), how we may use the information and the purposes for which we may use it, with whom we may share it, and the measures we take to safeguard your information.

Unless indicated otherwise, this Web Privacy Policy applies only to information collected through the Website. Please read this entire Web Privacy Policy before using the Website. If you are a California consumer, for more information about your privacy rights, please see the section of this Web Privacy Policy called “California Consumer Privacy Statement.”

Information We Obtain

We may obtain personal information through the Website, including contact information (such as your name, email address, and phone number) and other information you submit to us.

In addition, as you navigate through the Website, we may obtain certain information using various automated technologies, such as cookies. A “cookie” is a small piece of data (a text file) that a website—when visited by a user—asks your browser to store on your device in order to remember information about you.

The Website may use cookies or similar automated technologies to collect information about your equipment, browsing actions, and usage patterns. The information we obtain in this manner may include your IP address, identifiers associated with your device, web browser characteristics, device characteristics, language preferences, referring/exit pages, dates and times of visits to the Website, and clickstream data. The Website is not designed to respond to “do not track” signals received from browsers. Your browser may tell you how to be notified when you receive certain types of cookies or how to restrict or disable certain types of cookies. Please note, however, that certain features of the Website may not work without use of automated information collection technologies.

Use and Disclosure of Information

We may use the information we obtain about you to:

We also may use the information we obtain about you for other purposes disclosed at the time your information is collected.

Information We Share

We may share the information we obtain about you with third-party vendors to perform certain services on our behalf, such as to assist us with Website hosting and operations, data analytics, and other services designed to assist us with our business. We also may share your information with our affiliates and subsidiaries for the purposes described in this Web Privacy Policy.

In addition, we may disclose information about you: (i) if we are required to do so by law or legal process (such as a court order or subpoena); (ii) in response to requests by government agencies, such as law enforcement authorities; (iii) to establish, exercise, or defend our legal rights; (iv) to protect, defend, or enforce our policies, terms, or agreements; (v) when we believe disclosure is necessary or appropriate to address security or to prevent physical or other harm or financial loss; (vi) in connection with an investigation of suspected or actual illegal activity; or (vii) otherwise with your consent.

In addition, we also reserve the right to transfer information we have about you in the event we sell or transfer all or a portion of our business or assets (such as in the event of a merger, acquisition, joint venture, consolidation, restructuring, divestiture, dissolution liquidation, or other corporate change), including during the course of any due diligence process.

Third-Party Analytics

We may use third-party analytics services on the Website, such as Google Analytics. The analytics providers that administer these services use automated technologies such as cookies to help us analyze your use of the Website. The information collected through these means (including IP address) may be disclosed to these analytics providers who use the information, for example, to evaluate use of the Website. To learn more about Google Analytics and how to opt-out, please visit https://tools.google.com/dlpage/gaoptout.

Security

We maintain administrative, technical, and physical safeguards designed to protect the personal information you provide against accidental, unlawful, or unauthorized destruction, loss, alteration, access, disclosure, or use.

Children’s Privacy

We recognize the importance of protecting children’s online privacy. The Website is intended for a general audience and is not directed to children. We do not knowingly collect personal information online from children under the age of 13.

Other Online Services

For your convenience and information, the Website may contain content, links, or references to other third-party websites, apps, or services. Please be aware that this Web Privacy Policy does not apply to those websites. These companies may have their own privacy policies, which we encourage you to review. In addition, when you are on the 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 non-PRA websites, apps, or services.

Changes to this Web Privacy Policy

This Web Privacy Policy may be updated periodically and without prior notice to you to reflect changes in our personal information practices. We will post a notice on our Website to notify you of significant changes to our Web Privacy Policy and indicate at the top of the notice when it was most recently updated.

How to Contact Us

If you have any questions, comments, or concerns about this Web Privacy Policy, please contact us at communications@pragroup.com.


PRA Group, Inc.
California Consumer Privacy Statement

This California Consumer Privacy Statement (“Statement”) supplements our PRA Group, Inc. Web Privacy Policy.  This Statement applies solely to California consumers, including personnel working on behalf of our business partners (e.g., vendors) (collectively, “B2B individuals”), subject to the exceptions listed below.  This Statement does not apply to PRA Group personnel or job applicants.  For clarity, this Statement applies to personal information we collect about California consumers both on the Site and offline. This Statement uses certain terms that have the meaning given to them in the California Consumer Privacy Act of 2018 (the “CCPA”), as amended by the California Privacy Rights Act of 2020 (the “CPRA”), and its implementing regulations (the “CCPA/CPRA”).

1. Notice of Collection and Use of Personal Information

We may collect (and may have collected during the 12-month period prior to the effective date of this Statement) the following categories of personal information about you:

We may use (and may have used during the 12-month period prior to the effective date of this Statement) your personal information for the purposes described in our Privacy Policy and for the following Business Purposes specified in the CCPA/CPRA:

We do not collect or process sensitive personal information with the purpose of inferring characteristics about California consumers covered by this Statement.

2. Retention of Personal Information

We will retain your personal information for the time period reasonably necessary to achieve the purposes described in our Privacy Policy and this Statement, or any other notice provided at the time of collection, taking into account applicable statutes of limitation and records retention requirements under applicable law.

3. Sources of Personal Information

During the 12-month period prior to the effective date of this Statement, we may have obtained personal information about you from the following categories of sources:

4. Sale or Sharing of Personal Information

We do not (and will not) sell personal information, or share personal information for cross-context behavioral advertising purposes, unless we post a notice of the right to opt out of such sale or sharing and comply with other relevant legal requirements. We do not sell sensitive personal information or share sensitive personal information for purposes of cross-context behavioral advertising.

5. Disclosure of Personal Information

During the 12-month period prior to the effective date of this Statement, we may have disclosed the following categories of personal information about you for a business purpose to the following categories of third parties:

Category of Personal InformationCategory of Third Party
IdentifiersOur affiliates and subsidiaries
Vendors who provide services on our behalf
Professional services organizations, such as law firms and independent auditors
Data analytics providers
Online ActivityOur affiliates and subsidiaries
Vendors who provide services on our behalf
Professional services organizations, such as law firms and independent auditors
Data analytics providers
Sensory InformationOur affiliates and subsidiaries
Vendors who provide services on our behalf
Professional services organizations, such as law firms and independent auditors
Data analytics providers

In addition to the categories of third parties identified above, during the 12-month period prior to the effective date of this Statement, we may have disclosed personal information about you to government entities, such as in response to a request from law enforcement authorities.

6. California Consumer Privacy Rights

You have certain choices regarding your personal information, as described below.

How to Submit a Request. To submit an access, correction or deletion request, email us at pracustomercare@portfoliorecovery.com or call us at (888) 772-7326. To submit a request as an authorized agent on behalf of a consumer, please email us at pracustomercare@portfoliorecovery.com and provide us with a copy of the signed permission from the California consumer that authorizes you to act on the consumer’s behalf. For questions or concerns about our privacy policies and practices, please contact us as described in the How to Contact Us section of our Privacy Policy.

B2B Individuals: If you are personnel working on behalf of our business partners (e.g., vendors), to submit an access, correction or deletion request, please email us at B2BPrivacyRequest@PRAGroup.com or call us at 1-833-305-7755.

Verification. To help protect your privacy and maintain security, we will take steps to verify your identity before granting you access to your personal information or complying with your request. If you do not have an email address or other direct contact information on file with us, then there is no reasonable method by which we can verify your identity to the level of certainty required by the CCPA/CPRA. The reason for this is that we do not link IP addresses, device identifiers or other information collected through automated means to named actual persons. Accordingly, if you do not have an email address or other direct contact information on file with us, and you request access to, or correction or deletion of, your personal information, we will not be able to process your request at this time.

If you have an email address or other direct contact information on file with us, and request access to, or correction or deletion of, your personal information, we may require you to provide your name and email address. In addition, if you ask us to provide you with specific pieces of personal information, we may require you to sign a declaration under penalty of perjury that you are the consumer whose personal information is the subject of the request.

Additional Information. If you choose to exercise any of your rights under CCPA/CPRA, you have the right to not receive discriminatory treatment by us. To the extent permitted by applicable law, we may charge a reasonable fee to comply with your request.