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Privacy Policy

Effective Date: 20/05/2026

Last Updated: 20/05/2026

This Privacy Policy describes the privacy practices for the primary website, payment portal website, and related online services operated by Nova Collect LLC, together referred to as the “site,” “website,” “we,” “us,” or “our.”

Nova Collect LLC is committed to protecting your privacy. By accessing or using this site, you acknowledge that this Privacy Policy is part of our Site Terms and Conditions and agree to be bound by those terms. If you do not agree with this Privacy Policy or our Site Terms and Conditions, please do not access or use this site.

To review material modifications and their effective dates, please scroll to the bottom of this page.

How We Modify This Privacy Policy

We reserve the right to modify this Privacy Policy at any time by posting an updated Privacy Policy on this site. The updated version will be accessible through the “Privacy Policy” link on the site.

Your continued use of this site after any changes are posted indicates your acceptance of the revised Privacy Policy.

If we make changes that are materially less restrictive regarding our use or disclosure of Personal Information previously provided by you, we will obtain your consent where required before applying those changes to previously collected information.

The Types of Information We Collect

Personal Information

“Personal Information” means information relating to a natural person that may be used directly or indirectly to identify that person.

Personal Information we collect may vary depending on how you interact with us and may include:

Name
Mailing address
Email address
Telephone number
Mobile phone number
Account information
Payment-related information
Billing information
Location data
Communications with us
Information provided through forms, portals, calls, emails, text messages, or other communications

Where applicable, Nova Collect LLC may also receive account-related information from healthcare providers, professional service providers, creditors, clients, vendors, service providers, or other authorized sources in connection with account servicing, account resolution, or collection-related services.

Usage Data

We may collect information automatically when you use this site. This may include:

IP address
Domain name
Browser type
Device type
Operating system
Pages visited
Time spent on pages
Referring website
Date and time of access
Site navigation activity
System logs
Analytics data
Conversion data
Reports, reviews, surveys, and statistics

Usage Data is generally collected in an aggregated or technical manner, but in some cases it may be used indirectly to identify a person.

How and When We Collect Information

Personal Information

We collect Personal Information when you provide it to us directly, including when you:

• Complete a form on our site

• Register for or access an online account or payment portal

• Make a payment

• Contact us by phone, email, text message, fax, mail, or other communication method

• Request information or assistance

• Submit a dispute, complaint, request, or inquiry

• Opt in to electronic communications or text messaging

We may also collect Personal Information from third-party sources, including clients, service providers, database vendors, payment processors, skip-tracing vendors, compliance vendors, and other authorized sources.

Communications With Us

We collect information that you provide when communicating with us. This includes information submitted through forms, emails, calls, text messages, letters, online portals, payment portals, or other communication channels.

Usage Data

As you navigate through this site, Usage Data may be passively collected using analytics tools, cookies, web beacons, server logs, and similar technologies.

How We Use Your Information

Nova Collect LLC may use Personal Information for the following purposes:

• To provide account servicing or account resolution services

• To process payments or payment-related requests

• To communicate with you regarding an account

• To respond to inquiries, disputes, complaints, or requests

• To verify identity and account information

• To maintain records

• To comply with applicable laws and regulatory requirements

• To support legal, compliance, audit, and quality assurance functions

• To improve site functionality and user experience

• To protect against fraud, unauthorized access, or misuse

• To perform security assessments

• To support internal reporting and business operations

If you consent to receive electronic communications, messages will relate solely to account servicing or resolution.

We may use Usage Data to:

• Monitor and improve site performance

• Analyze website usage

• Maintain website security

• Customize user experience

• Troubleshoot technical issues

• Compile statistics and reports

• Administer and improve this site

Information Sharing and Disclosure

General Disclosure Policy

We may disclose Personal Information and Usage Data as described in this Privacy Policy and as permitted or required by law.

We do not sell mobile information or text messaging opt-in data to third parties for marketing or promotional purposes.

Service Providers

We may share Personal Information and Usage Data with trusted service providers who assist us with business operations, including:

• Payment processing

• Website hosting

• Payment portal services

• Data security

• Compliance support

• Account servicing technology

• Communication tools

• Analytics and reporting

• Mailing, printing, or fulfillment services

• Customer support

• Recordkeeping

• Data verification and account review services

Service providers are given access to information only as reasonably necessary to perform services on our behalf and are expected to protect information in accordance with applicable law and contractual obligations.

Clients and Authorized Business Partners

Where applicable, we may share information with the healthcare providers, professional service providers, creditors, or other clients on whose behalf Nova Collect LLC provides account servicing, account resolution, or collection-related services.

Affiliated Entities

We may share Personal Information and Usage Data with affiliated entities under common ownership or control, where permitted by law and consistent with this Privacy Policy.

Successors

If we sell, transfer, merge, reorganize, or otherwise transfer all or part of our business or assets, Personal Information and Usage Data may be transferred as part of that transaction. In such event, we will require the successor or transferee to honor the commitments described in this Privacy Policy or provide notice as required by law.

Legal Process, Compliance, Enforcement, and Security

We may disclose Personal Information and Usage Data when we believe in good faith that access, use, preservation, or disclosure is reasonably necessary to:

• Comply with applicable law, regulation, legal process, subpoena, court order, or governmental request

• Detect, prevent, or address fraud or illegal activity

• Protect the rights, property, safety, or security of Nova Collect LLC, our clients, consumers, users, or others

• Enforce our rights, agreements, policies, or site terms

• Investigate or respond to security incidents, disputes, complaints, or regulatory inquiries

No Sale of Mobile Information for Marketing

Nova Collect LLC does not share or sell mobile information to third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data, consent records, and related mobile messaging information are excluded from any sharing categories and will not be shared with third parties for marketing or promotional purposes.

Mobile Text Message Policy

Nova Collect LLC does not share or sell mobile information to third parties or affiliates for marketing or promotional purposes. Text messaging opt-in data, consent records, and related mobile messaging information are excluded from any sharing categories and will not be shared with third parties.

By providing your mobile number and opting in to receive text messages, you authorize Nova Collect LLC to send you account-related text messages. If you consent to receive electronic communications, messages will relate solely to account servicing or account resolution, including payment reminders, account notifications, payment-related notices, and other communications related to the services you have requested or the account being serviced.

Message terms:

• Message frequency may vary based on your account activity.

• By providing your mobile number, you confirm that you are the account holder or have permission to use the mobile number provided.

• Message and data rates may apply.

• You may opt out at any time by replying STOP to any text message. After opting out, you will receive a confirmation message.

• You may request assistance by replying HELP to any text message or by contacting Nova Collect LLC at [email protected].

• If your mobile device does not support MMS, any MMS message may be delivered as an SMS message.

• Wireless carriers are not responsible for delayed or undelivered messages.

Cookies and Web Beacons

We may use cookies, web beacons, pixels, and similar technologies to collect Usage Data, store preferences, understand site activity, improve functionality, and support analytics.

“Cookies” are small data files stored by your browser on your device. Cookies may help us remember preferences, understand how users interact with the site, and improve the site experience.

Most browsers are initially set to accept cookies. You may disable cookies through your browser settings. However, disabling cookies may affect the availability or functionality of certain site features.

“Web Beacons,” also known as clear gifs or tracking pixels, may be used to help deliver cookies, count site visits, understand usage patterns, and evaluate the effectiveness of communications or site operations.

Analytics

We may use third-party analytics providers to monitor and analyze website traffic and user behavior on this site. These providers may collect Usage Data, cookies, device information, and browsing activity.

For example, we may use analytics tools such as Google Analytics or similar services to understand site usage and improve performance.

You may be able to opt out of certain analytics tracking through browser settings, third-party opt-out tools, or tools provided by the analytics provider.

Social Media Interactions

Our site may include links to or interactions with social media platforms or external websites. If you interact with social media features or external platforms, information may be shared with those platforms according to their own privacy policies.

Nova Collect LLC is not responsible for the privacy practices, security, or content of third-party websites, platforms, or services.

Do Not Track Requests

Some web browsers include a “Do Not Track” feature that signals to websites that you do not want online activity tracked.

Because there is not currently a uniform industry standard for recognizing or responding to Do Not Track signals, this site does not respond to Do Not Track signals at this time. We may update this policy if standards change.

Data Security

Nova Collect LLC uses reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction.

When Personal Information is transmitted through our site or payment portal, we use reasonable security measures, which may include encryption technologies such as Secure Socket Layer or similar protocols.

However, no method of internet transmission or electronic storage is completely secure. While we strive to protect Personal Information, we cannot guarantee absolute security.

Onward Transfer Outside Your Country of Residence

Information collected through this site is intended to be stored and processed in the United States.

If you access this site from outside the United States, you understand and consent that your information may be transferred to, stored in, and processed in the United States, where privacy laws may differ from those in your country of residence.

Updating Personal Information

Upon request, and where appropriate, we may permit you to request access to, correction of, or updates to your Personal Information.

We may request verification of your identity before processing such requests. We reserve the right to decline requests that are unreasonable, repetitive, legally restricted, technically impractical, or that may compromise the privacy rights of others.

Links to Third-Party Websites

This site may contain links to third-party websites, payment portals, client websites, vendor websites, or other external resources.

Nova Collect LLC is not responsible for the privacy practices, security, content, or policies of third-party websites. You should review the privacy policies of any third-party websites before providing information to them.

Children’s Online Privacy

This site is intended for a general audience and is not directed to children under the age of 13.

Consistent with the Children’s Online Privacy Protection Act, Nova Collect LLC does not knowingly collect Personal Information from children under 13. If we learn that a child under 13 has submitted Personal Information without appropriate parental or guardian consent, we will take reasonable steps to remove that information from active records.

Parents or guardians may contact us using the information below to request removal of such information.