Continental Service Group, Inc. d/b/a ConServe (referred to as "us," "we," or "ConServe"), the provider of the Consumer Web Portal located at www.payconserve.com (the “Portal”), is committed to protecting your privacy online. This “Privacy Policy” and “Terms of Use” are legal agreements between ConServe and each user who utilizes the Portal (referred to as “you” or “user”).

This Privacy Policy discloses the privacy practices for the Portal and describes the Portal Terms of Use.

By accessing or using the Portal, you agree to be bound by all of its terms and conditions. If you do not agree to these terms, do not access or use the Portal. Any of the activities available on this Portal may be conducted over the telephone by contacting a representative at our toll-free number listed at the end of this policy.

ConServe reserves the right to change the Terms of Use and this Privacy Policy at any time. Such changes, modifications, additions, or deletions shall be effective immediately upon posting, which may be given by posting the revised Privacy Policy or Terms of Use on this page. You acknowledge and agree that it is your responsibility to review the portal Terms of Use and this Privacy Policy periodically and to be aware of any modifications. Your continued use of the Portal after such modifications will constitute your: (a) acknowledgment of the modified Privacy Policy or Terms of Use, and (b) agreement to abide and be bound by the modified Privacy Policy and Terms of Use.

Privacy Policy Guidance

The Federal Fair Debt Collection Practices Act (“FDCPA”) and the Health Information Portability and Accountability Act of 1996 (“HIPAA”) require consumer information and consumer medical information be protected from unauthorized access and/or disclosure. ConServe will maintain adequate safeguards to prevent the improper use or disclosure of private information as defined in the FDCPA or HIPAA regulations.

ConServe agrees to comply with all privacy and security policies of our creditor and servicer clients and to use our best efforts to maintain the integrity as well as the confidentiality of electronically transmitted or accessed information.

ConServe is Payment Card Information (“PCI”) compliant, a certificate of which may be viewed on this Portal. PCI compliance includes truncation of payment card information on receipts and in the Portal, encryption of saved payment card information, and encryption of payment card information transmitted over payment processing networks.

ConServe is a member of the National Automated Clearing House Association (“NACHA”) Network and complies with the NACHA Operating Rules and Guidelines, required through ConServe’s payment processor vendor.

ConServe has an Authorization to Operate in accordance with the requirements of the Federal Information Security Management Act (“FISMA”), requiring compliance with National Information Standards and Technology (“NIST”) and federal regulations for information contained in records received from U.S. Federal Government Agencies on consumers and businesses. Additionally, information contained in records received from U.S. Federal Government Agencies requires ConServe’s compliance with the Privacy Act of 1974, requiring a consumer’s authorization to disclose information from those records and overriding commonly accepted privileges provided to attorneys as a consumer’s representative.

Control and Security

ConServe understands data security is paramount. We understand our continued success relies on both our ability to offer services in a secure manner and to store any account information and passwords securely. To assist us in offering these Web-based services in a secure manner, ConServe employs a number of security measures described below. These measures allow ConServe to authenticate your identity when you access these services and to protect the information as it traverses the Internet between your Personal Computer or Mobile Device and ConServe.

The services provided by this Portal are authenticated using unique user accounts and passwords. Additionally, all communications between your secure Web browser and ConServe’s systems are secured using Secure Sockets Layer Certificate encryption. This technology protects your User credentials during authentication, and the account information as it travels between your browser and our systems.

Access to individual consumer information through the Portal is limited to individuals who have an account with ConServe. Individually created secure login and password combinations protect the information. Please keep your password confidential. Do not share your portal password with anyone. Other than when you login to the Portal, ConServe will never ask you for your password. Should anyone ask you for your password, please contact ConServe, attention VP, Ethics & Compliance Officer at 1-800-724-7500. If you allow a third party to create a login and password using your account information without providing written authorization to ConServe that you have authorized a third-party to access your information and report this information to ConServe, use of the Portal by the third-party will be suspended by ConServe. Report this concern to This email address is being protected from spambots. You need JavaScript enabled to view it..

This Portal utilizes a timeout feature. This protective measure will automatically log you out of your current session after an extended period of inactivity.

ConServe uses system and application activity logs to protect our systems and the information. These logs are reviewed regularly and any anomalies or discrepancies are investigated thoroughly.

The Portal has a secure socket layer with 128-bit encryption. The database behind the Portal is hosted on-site and is behind a secure firewall. Backups of the Portal and the information obtained through the Portal occur on a daily basis and are stored off the Portal in a controlled environment for safety and business continuity.

The ConServe Client Web Portal is monitored 24-hours per day, 7 days per week by an Intrusion Prevention System (IPS) inspecting network traffic for suspicious activity and blocks network traffic matching known threat signatures. The IPS alerts ConServe Information Technology personnel of any suspicious traffic and/or blocked traffic. In addition to the IPS, numerous security controls (account locking, session timeouts, IP Blocking) are utilized to prevent unauthorized or unintended use of the ConServe Consumer Web Portal.

ConServe is a licensed third-party user of BillingTree’s and RevSpring’s software and payment processing service. BillingTree handles the processing of payment card and bank account information provided by you in the Portal. BillingTree and RevSpring ensure compliance with NACHA Operating Rules and Guidelines and handle a portion of the compliance requirements found in the Electronic Fund Transactions Act (“EFTA”). BillingTree’s Privacy and Security Practices can be found at http://www.mybillingtree.com/privacy/, and RevSpring’s Privacy and Security Practices can be found at https://bestbill.webview.com/user/info/#privacy_policy. The policies of Billing Tree and RevSpring have been reviewed by us for our compliance with the applicable laws, but these service providers are not affiliated with ConServe and they provide services as an independent contractor. The reference to their policies are for informational purposes only.

ConServe, through its privacy and security practices ensures all personnel with access to your information are checked for criminal background histories related to theft of information, crimes of dishonesty and crimes involving money along with checks for conflicts of interest and debarment from professional licensure in the financial industry. ConServe makes every effort to become aware of such history and does not employ or provide access to your information to those with such backgrounds.

System Security Considerations

Data Sensitivity.The sensitivity of data exchanged between ConServe and you is sensitive.

User Community. All ConServe users with access to the data received from you are U.S. Citizens with a valid and current ConServe background investigation. ConServe through its privacy and security practices ensures all personnel with access to your personal information are checked for criminal background histories related to theft of information, crimes of dishonesty, and crimes involving money along with checks for conflicts of interest and debarment from professional licensure in the financial industry. ConServe makes every effort to become aware of such history and does not employ or provide access to your personal information to those with such backgrounds.

Information Exchange Security. The security of the information being passed on this connection is protected using approved encryption mechanisms. The connection on ConServe’s end is located within controlled access facilities, with security deterrents, twenty-four (24) hours a day. Individual users will not have access to the data except through the ConServe Consumer Web Portal. All access is controlled by authentication methods to validate the approved users.

Trusted Behavior Expectations.Users are expected to protect ConServe’s Network and its Database in accordance with and state and local privacy laws.

Formal Security Policy. ConServe’s policy documents governing the protection of our data are referred to as ConServe’s “Certification, Accreditation & Security Policy”.

Incident Reporting. A user discovering a security incident will report it in accordance with its incident reporting procedures. In the case of a consumer, any security incident will be reported to ConServe at 1- 855-421-0097, and ConServe will initiate its Incident Response Plan. ConServe’s Policy governing the reporting of Security Incidents is ConServe’s Incident Response Policy.

Audit Trail Responsibilities. ConServe is responsible for auditing application processes and user activities involving a user’s connection with ConServe. Activities that will be recorded include event type, date, and time of event, user identification, success or failure of access attempts, and security actions taken by ConServe’s System Administrators or security officers. Audit logs will be retained in accordance with ConServe Guidelines.

Types of Information Collected, Including Personally Identifiable Information

ConServe collects and maintains your email address, username and password upon creation of your account login. When you communicate to us through the Portal, ConServe will collect any information you provide us, including personally identifiable information or sensitive information. You are provided the option of directing ConServe to not save payment card or bank account information at the Portal. Receipts produced will truncate your payment card or bank account information. ConServe and its security monitoring vendors collect IP address or other electronic markers from visitors to the Portal whether a login is created or not for security monitoring purposes.

Use of Information

Although ConServe does not use cookies, we may automatically gather general statistical information from your browser, including your IP address and the pages you request. ConServe will use this data to monitor and maintain the Portal and to improve the services provided by the Portal. Additionally, ConServe will allow you to save information you provide at your selection so that you do not need to re-enter information each time you visit the Portal.

Sharing of Information

ConServe does not disclose to others the information we collect through the Portal; we do not and will not sell or rent to anyone the personal information we collect from you. Also, ConServe does not track user browser activities, including “do not track” settings, and therefore ConServe does not respond to any such detected settings because collected personal identifiable information is never shared with unauthorized third parties.

ConServe does use a payment processor to process your payment card and bank account transactions and the information you provide for such payments is authorization that the payment processor is allowed to securely process your payment card and bank account information to make a payment to your Creditor through ConServe, to verify the accuracy of the payment card or bank account information, and if you choose to save the payment card and bank account information for future payments.

ConServe’s web-site developer and payment processing company are RevSpring & Billing Tree who have access to your information (. ConServe through its privacy and security practices ensures all personnel with access to your information are checked for criminal background histories related to theft of information, crimes of dishonesty and crimes involving money. ConServe makes every effort to become aware of such history and does not employ or provide access to your information to those with such backgrounds.

ConServe may be required by law enforcement, government agencies, or judicial authorities to disclose the information obtained or contained in this Portal to the appropriate governmental authorities. ConServe will disclose such information upon receipt of a court order, subpoena, or to cooperate with a law enforcement or government agency investigation. ConServe will fully cooperate with law enforcement agencies in identifying those who use our services for illegal activities. We reserve the right to report to law enforcement agencies any activities that we in good faith believe to be unlawful.

Registration Data

In order to access some of the services on the website, you must provide your account number, create a password and provide other information and data in connection with the use of the website (“Registration Data”). By providing Registration Data, you agree that all information provided in the Registration Data is true and accurate, you are at least eighteen (18) years of age and that you will maintain and update this information as required to keep it current, complete and accurate. You grant ConServe the right to disclose to third parties certain Registration Data about you in accordance with the Privacy Policy.

You are solely responsible for maintaining the confidentiality of your password and account and for any and all statements made and acts or omissions that occur through the use of account associated with the Registration Data (“Account”). You must take steps to ensure that others do not gain access to the Registration Data or the Account. You may not transfer or share your Account with anyone and ConServe reserves the right to immediately terminate your Account in the event of any unauthorized transfer or sharing.

Each Account is for your personal use only and not on behalf of any other person or entity. ConServe does not permit (a) any other person to utilize your Account or (b) access to the Account to be made available to multiple users on a network. The User is responsible for preventing such unauthorized use.

User Choices on Collection

Only ConServe will communicate with you and only if you have not objected to our communications. You have the choice to decline retention of your payment card or bank account information for future payments, but if you make this choice, you will be required to re-enter your payment card or bank account information each time you schedule a payment. You have the choice of not providing phone numbers to ConServe. Information required to be provided through the Portal is not optional as this information assists ConServe in confirming your identity and that you have lawful access to the account information, along with confirming your most current contact information to avoid contact with wrong consumers. If you bypass providing required information, the Portal will not allow you to continue to the next page and you can consider contacting ConServe by telephone, facsimile, email or mail.

Registration

In order to use the Consumer Web Portal, a user must be invited by ConServe to use the Portal. ConServe will register users utilizing the account number provided to you. You will create a user name and password for access, which ConServe will maintain securely. ConServe will send all new users welcoming e-mails to verify password and username.

Assistance with registering with the Consumer Web Portal will be provided by contacting ConServe utilizing the phone number provided on your notice or by calling 1-800-724-4439 and ConServe will walk you through the registration process answering all questions you may have.

Cookies

A cookie is a piece of data stored on the user's hard drive containing information about the user. ConServe will not use cookies when you use the Consumer Web Portal. Also, ConServe does not track user browser activities, including “do not track” settings, and therefore ConServe does not respond to any such detected settings because collected personal identifiable information is never shared with unauthorized third parties.

Log Files

We use Internet Protocol (“IP”) Addresses to analyze trends, administer the Portal, track user's movement, ensure adequate privacy and security, and to protect your information. ConServe does not capture demographic information in the log files.

Correcting/Updating Information and Suspension of User Profile

A user’s profile may be changed by the user. However, if a user’s profile requires a change that cannot be made or you request suspension of your user profile, ConServe will endeavor to provide a way to correct, update or suspend your profile. These changes can be requested by calling 1-800-724-4439 or by emailing This email address is being protected from spambots. You need JavaScript enabled to view it..

Privacy Policies of Third Party Websites

Except as otherwise discussed in this Privacy Policy, this document only addresses the use and disclosure of personal information we collect from you. We are not responsible for the policies or practices of third parties, such as our payment processors. However, those payment processors are required by ConServe to follow ConServe’s security standards and all Security and Privacy laws, regulations and guidelines described herein.

Notification of Changes

If ConServe determines a change to our Privacy Policy to be material, we will notify users by way of an e-mail so users are always aware of what information we collect, how we use it, and under what circumstances, if any, we disclose the information. This determination is at the sole discretion of ConServe and we are not obligated to provide this notice. You are still responsible for reviewing this policy and agree that your use demonstrates your agreement to these terms. If you have any questions about this Privacy Policy Notice, the privacy and security practices employed for this Consumer Web Portal, or your dealings with this Portal, please contact ConServe by sending a letter, fax or email to:

Continental Service Group, Inc. d/b/a ConServe
200 CrossKeys Office Park
Fairport, New York 14450
Attn: Ethics & Compliance Officer

Facsimile: (585) 421-1028

Email: This email address is being protected from spambots. You need JavaScript enabled to view it.


This communication is from a debt collector, and is an attempt to collect a debt. Any information obtained will be used for that purpose.