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KSI USA is operated by Kreditor Services USA Inc., a Washington, D.C. corporation. KSI USA is not a law firm and does not provide legal advice.
Effective Date: January 1, 2026 | Last Updated: January 1, 2026
Kreditor Services USA Inc. ("KSI USA," "we," "us" or "our") respects privacy and is committed to handling personal information responsibly. This Privacy Policy explains how we collect, use, disclose, retain and safeguard personal information through kreditorservices.com, our communications and our creditor-services operations. KSI USA is a Washington, D.C. corporation. KSI USA is not a law firm and does not provide legal advice.
This Policy applies to personal information collected through kreditorservices.com; through forms, email, telephone and other communications; from clients, prospective clients, vendors and business contacts; from creditors and other clients that place accounts with us; in connection with accounts referred to us for servicing or collection; from service providers, public records and other legally permitted sources; and through employment applications or recruitment inquiries. This Policy does not apply to third-party websites or services governed by their own privacy policies. Certain information may be subject to additional federal or state laws, contractual requirements or account-specific notices. Those requirements govern to the extent they conflict with this Policy.
We may collect:
Do not submit Social Security numbers, complete financial-account numbers, payment-card information, medical information or other sensitive information through a general contact form or unsecured email.
We may receive legally permitted information from clients, creditors, financial institutions, service providers, public records and other authorized sources, including identifying and contact information; creditor, account and transaction history; account balances and payment information; communications concerning an account; dispute, complaint and request information; identity-verification and location information; consumer-report information where legally authorized; and other information reasonably necessary to service, administer or collect an account. If you believe information associated with an account is incorrect, contact us using the instructions in the communication you received. A privacy request does not replace any dispute, validation or other account-related right available under applicable law.
When you visit kreditorservices.com, we and our authorized service providers may automatically collect Internet Protocol address; browser, device and operating-system information; pages viewed and links selected; referring
website; date, time and duration of visits; approximate location derived from an IP address; cookie and similar technical identifiers; and security, diagnostic and website-performance data. We use this information to operate, secure, maintain and improve the website, understand website use and detect unauthorized or potentially fraudulent activity.
Kreditorservices.com may use cookies and similar technologies for website operation, security, navigation, accessibility and performance. We may also use limited analytics technologies to understand website traffic and improve functionality. Where required by law, nonessential technologies will be subject to appropriate notice or consent. You may manage cookies through any cookie-management tool available on our website or through your browser settings. Disabling certain cookies may affect website functionality. KSI USA does not use website browsing information to make decisions regarding the servicing or collection of an individual account.
We may use personal information to:
We will not use personal information for a materially different purpose without providing any notice or obtaining any authorization required by applicable law.
We may disclose information to the creditor or client that placed or referred an account to us and to parties authorized to act on its behalf.
We may use service providers for website hosting and information technology; data storage and cybersecurity; communications and document delivery; payment processing; identity verification; website analytics; auditing, compliance and professional services; and other authorized operational functions. Service providers may process personal information only for authorized purposes and subject to appropriate contractual restrictions.
We may disclose information to auditors, accountants, insurers, consultants and independent licensed attorneys when reasonably necessary. Independent attorneys are responsible for the legal services they provide.
We may disclose information when required or permitted by law, regulation, court order, subpoena, licensing requirement or lawful governmental request.
Information may be disclosed in connection with a proposed or completed financing, merger, acquisition, restructuring, sale of assets or similar transaction, subject to appropriate confidentiality and legal protections.
We may disclose information when reasonably necessary to protect individuals, prevent fraud, investigate security incidents, enforce agreements or protect the rights, property or security of KSI USA, its clients or others.
KSI USA does not sell personal information for monetary consideration. We do not use personal information received in connection with creditor-service accounts for targeted or cross-context behavioral advertising. If our website practices materially change, we will update this Policy and provide any choices required by applicable law.
KSI USA may process sensitive personal information when reasonably necessary to provide authorized creditor services; verify identity; service or administer an account; process authorized transactions; prevent fraud or protect systems; comply with legal or contractual obligations; or establish, exercise or defend legal rights. We do not use sensitive personal information to infer characteristics about individuals or for targeted advertising. Access is restricted according to business responsibilities and the sensitivity of the information.
KSI USA maintains administrative, technical and physical safeguards designed to protect personal information against unauthorized access, acquisition, use, alteration, disclosure or destruction. Safeguards may include access controls, authentication, encryption, security monitoring, employee training, vendor oversight, incident-response procedures and secure disposal practices appropriate to the nature of the information and associated risks. No transmission or storage system can be guaranteed to be completely secure. If you believe information provided to KSI USA may have been compromised, contact us promptly. Additional information about our security program is available through the KSI USA Trust Centre at https://app.vanta.com/ksilaw/trust/hl58w4j6nttafr1pzxgxr.
We retain personal information only for as long as reasonably necessary to provide services and administer accounts; fulfill the purposes described in this Policy; comply with client instructions and contractual obligations; satisfy legal, regulatory, licensing and recordkeeping requirements; resolve disputes; enforce agreements; and establish, exercise or defend legal claims. Retention periods depend on the type of information, the reason it was collected, client requirements and applicable law. When information is no longer required, we take reasonable steps to securely delete, destroy or de-identify it.
Depending on your state of residence and subject to applicable exceptions, you may have rights concerning your personal information, including rights to request access, correction, deletion or a copy of certain information. Applicable law may also provide rights to confirm whether we process your information; learn the categories and sources of information collected and the categories of recipients; limit certain uses of sensitive information; opt out of qualifying sales, sharing or targeted advertising; or appeal the denial of a privacy request. These rights are not absolute. We may deny or limit a request when permitted or required by law, including where information must be retained to service an account, comply with legal obligations, protect security, prevent fraud, fulfill obligations to a client or preserve legal rights. To submit a request, contact our Privacy Officer using the information below. Include "Privacy Request" in the subject line, your state of residence, the right you wish to exercise and sufficient information to identify and respond to your request. We may request information reasonably necessary to verify your identity and authority. Authorized agents may submit requests where permitted by law, subject to verification of their authority. KSI USA will not unlawfully discriminate against an individual for exercising an applicable privacy right.
A privacy request is separate from a debt dispute, validation request, communication preference or other accountrelated right. Exercise account-related rights using the instructions in the communication you received from KSI USA.
Where required by applicable law, KSI USA will process recognized browser-based opt-out preference signals, such as Global Privacy Control, as requests to opt out of applicable sale, sharing or targeted-advertising activities. Because KSI USA does not currently sell personal information or use it for targeted advertising, such signals may not change your website experience.
Our website and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information online from children under 13. If we learn that a child under 13 submitted personal information through the website without appropriate authorization, we will take reasonable steps to delete it. A parent or guardian who believes a child submitted information may contact our Privacy Officer.
Kreditorservices.com may contain links to websites or services operated by third parties. KSI USA does not control and is not responsible for their privacy, security or content practices. Review the applicable third party's privacy policy before providing personal information.
Questions, concerns and privacy requests may be directed to: Kreditor Services USA Inc.
Attention: Privacy Officer
1717 N Street NW
Washington, DC 20036
Email: compliance@kreditorservices.com
Telephone: 860-835-4129
Website: https://kreditorservices.com
For account-related communications, provide only the information reasonably necessary to identify the matter. Do not send Social Security numbers, complete financial-account numbers, payment-card information or other sensitive information through unsecured email.
We may update this Privacy Policy to reflect changes in our operations, technology, website practices or legal obligations. The revised Policy will be posted on this page with an updated "Last Updated" date. If a change materially affects how we handle previously collected personal information, we will provide any additional notice or obtain any authorization required by applicable law.