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Privacy Policy

ALTA Enterprises, LLC Effective Date: November 28, 2025

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ALTA Enterprises, LLC (“ALTA,” “we,” “us,” or “our”) is an accounts receivable management and debt recovery company headquartered in the United States. We respect your privacy and are committed to protecting personal information we receive in the course of providing services to our clients (creditors) and, when applicable, directly from consumers.

This Privacy Policy explains how we collect, use, disclose, and safeguard personal information when we act as a debt collector under the Fair Debt Collection Practices Act (FDCPA), when consumers interact with our website or payment portal, and in the normal course of business.

1. Information We Collect

We may collect the following categories of personal information:

From Creditors (Our Clients)

• Name, address, phone numbers, email addresses

• Account numbers, original creditor information, balance owed

• Date of last payment, charge-off date, and other debt-related details

• Social Security Number (only when provided by the client and necessary for location or reporting purposes)

Directly from Consumers

• Information you provide when making payments, disputing a debt, or communicating with us (name, address, phone, email, payment method)

• Information submitted through our website or consumer payment portal

Automatically Collected

• IP address, browser type, device information, and cookies when you visit alta-enterprises.com or our payment portal

2. How We Use Your Information

We use personal information only for legitimate debt collection and accounts receivable management purposes, including:

• Locating consumers

• Communicating with consumers about accounts (by mail, phone, email, or text, as permitted by law)

• Verifying identity and preventing fraud

• Processing payments

• Complying with federal and state laws (FDCPA, FCRA, TCPA, GLBA, state licensing requirements, etc.)

• Responding to disputes and validation requests

• Reporting to credit bureaus (only when authorized by the original creditor or by law)

3. Legal Basis for Processing (where applicable)

• Performance of our contract with our clients (the original creditors)

• Compliance with legal obligations (FDCPA, state collection laws, etc.)

• Legitimate interests (debt recovery, fraud prevention) that are not overridden by your rights

4. Sharing and Disclosure of Personal Information

We do not sell personal information. We may share information only with:

• Our client (the original creditor or their assignee)

• Licensed third-party service providers (skip-tracing vendors, letter vendors, payment processors, attorneys, IT/hosting providers) who are contractually obligated to protect the data

• Credit reporting agencies (Experian, Equifax, TransUnion) when legally permitted

• Law enforcement or regulators when required by law or subpoena

• Successors in the event of merger, acquisition, or sale of assets

5. Data Security

We maintain administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, use, or disclosure, consistent with the Gramm-Leach-Bliley Act (GLBA) and industry standards.

6. Data Retention

We retain personal information only as long as necessary for the purposes described above or as required by federal and state law (typically up to 7 years after account closure or final activity).

7. Your Rights and Choices

Under applicable law, you may have the right to:

• Request a validation of the debt (within 30 days of initial communication)

• Dispute the debt and receive verification

• Request we cease communication (“cease and desist”)

• Opt out of certain electronic communications (text/email)

• Request information about what data we hold (subject to legal limitations)

To exercise these rights, contact us using the information in Section 9.

8. Website & Cookies

Our website uses cookies for functionality and analytics. You may disable cookies in your browser settings, but some features may not work properly.

9. Contact Us

ALTA Enterprises, LLC Attn: Compliance Department [Insert mailing address] Phone: [Insert toll-free number] Email: privacy@alta-enterprises.com

For debt validation or to exercise FDCPA rights, you may also write to the address above or call the number provided in our collection letters.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The new version will be posted on our website with a revised effective date.

This document serves as our general privacy notice and complies with the Gramm-Leach-Bliley Act, FDCPA, and applicable state privacy requirements as of the effective date above.