Privacy Policy

Effective date: July 31, 2026

Prime Recovery LLC respects your privacy. This Privacy Policy explains how we collect, use, disclose, and protect information when you use our website, payment portal, account-access tools, or related online services.

Information We Collect

We may collect information you provide directly, information we receive from creditors, debt buyers, clients, service providers, and payment processors, and information generated when you use the portal.

This may include your name, mailing address, email address, phone number, reference number, account number, original creditor, account balance, payment history, settlement or payment-plan information, account status, identity-verification information such as the last four digits of your Social Security number, portal login records, device/browser information, IP address, approximate location information, and communication preferences.

Payment Information

Payment card, CVV, bank account, routing, and ACH information is entered only through our authorized payment processor, USAePay/North American Holdings LLC. Prime Recovery's portal does not store your complete card number, CVV, bank account number, routing number, or ACH account information.

Prime Recovery may receive payment-related information from the payment processor, such as transaction status, approval or decline results, authorization or reference numbers, saved-payment tokens or customer identifiers, payment dates, amounts, and limited account/payment details needed to record or schedule payments.

How We Use Information

We use information to verify account access, display account and payment options, process or schedule payments through our payment processor, maintain account records, send payment or account communications, respond to questions, prevent fraud or unauthorized access, comply with legal and regulatory obligations, audit portal activity, and improve the portal experience.

Communications

We may communicate with you by mail, phone, email, text message, or through the portal as permitted by law and based on the contact information and consents available for your account. Message and data rates may apply. You may opt out of certain electronic communications by following instructions in the message or by contacting Prime Recovery.

Cookies, Logs, and Analytics

Our website and portal may use cookies, server logs, and similar technologies to operate the portal, maintain sessions, protect against misuse, remember preferences, understand portal usage, and troubleshoot technical issues. Browser and device settings may allow you to block or limit some cookies, but doing so may affect portal functionality.

How We Share Information

We may share information with payment processors, hosting providers, technology vendors, email or messaging providers, clients, creditors, debt buyers, compliance and audit providers, legal or professional advisors, and other service providers that help us operate the portal and service accounts. We may also disclose information when required or permitted by law, legal process, regulation, contract, audit, fraud prevention, or to protect rights, safety, and security.

Data Retention

We retain information for as long as needed to service accounts, operate the portal, document payments and communications, comply with legal, regulatory, contractual, accounting, and audit requirements, resolve disputes, and protect against fraud or misuse.

Security

We use administrative, technical, and physical safeguards designed to protect information. No website, portal, email, text, or electronic storage system can be guaranteed to be completely secure. Do not send full card numbers, CVV, bank account numbers, routing numbers, or ACH information by email, text, or contact forms.

Your Choices

You may contact Prime Recovery to update contact information, ask questions about your account, request help with portal access, or manage certain communication preferences. Some records may need to be retained for legal, regulatory, audit, or business reasons even if you request that communications stop or information be changed.

Consumer Privacy Rights and Legal Exceptions

Depending on where you live, you may have rights to request access to, correction of, or information about certain personal information. Any request is subject to identity verification and applicable legal, regulatory, contractual, collection, accounting, audit, fraud-prevention, and record-retention exceptions. Prime Recovery may retain or use information where required or permitted by law.

Children's Privacy

The portal is not intended for children under 13, and we do not knowingly collect information from children through the portal.

Changes to This Policy

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

Contact Us

If you have questions about this Privacy Policy or your account, contact Prime Recovery LLC at 855-744-0719.