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PRIVACY NOTICE

This Privacy Notice sets forth the information gathering, use, and dissemination practices of NRA Group, LLC d/b/a National Recovery Agency. ("NRA") in connection with the World-Wide Web site located at www.nragroup.com (its "Website"). This Privacy Notice addresses NRA's practices regarding information collected only directly through or from its Website - it does not address or govern any information gathering, use, or dissemination practices related to information collected other than directly through or from its Website, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media.


NRA may collect, use, and store information on the domain you use to access its Website, the Internet address of the site from which you linked directly to its Website, and the date and time of your visit to its Website. This information may be used to measure the number of visitors to the various pages on the NRA Website, to help make improvements to the information contained on the site, and to better serve site visitors. NRA also may collect, use, and store the e-mail addresses of users that communicate with NRA via e-mail, information knowingly provided by Website users, and information regarding which Website pages users access.


Personal information contained in e-mail sent by individuals may be used by NRA to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service NRA provides.


Except as provided below, NRA does not share any personally identifiable information obtained on its Website with or sell information obtained on this Website to any company or marketing group external to NRA. NRA may, however, share aggregate information with other persons or entities for purposes determined by NRA to be appropriate.


NRA may disclose personally identifiable information (i) to another entity with which NRA enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, (ii) to a third party pursuant to a subpoena, court order, or other form of legal process or in response to a request by or on behalf of any local, state, federal, or other government agency, department, or body, whether or not pursuant to a subpoena, court order, or other form of legal process, or (iii) to a third party if determined by NRA in its sole judgment that such disclosure is appropriate to protect the life, health, or property of NRA or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to NRA.)


Except as necessary for NRA to provide the services, information, or products requested by a Website user, or except for the disclosures identified in the preceding paragraph, the user may opt out of having his or her personally identifiable information, which has been voluntarily provided to NRA through or from its Website, prospectively retained by NRA, used by NRA for secondary purposes, or disclosed by NRA to third parties, by contacting NRA via postal mail at the address set out below or at the following e-mail address: CENTCO@nationalrecovery.com.


While NRA may undertake efforts to see that another party to which NRA shares personal information is under a contractual obligation to use the personal information solely for the purposes for which the information was disclosed by NRA, NRA exercises no control over such parties and NRA is not responsible for their conduct, actions, omissions, or information handling or dissemination practices.


E-mail posted or sent through this Website may not be secure against interception by unauthorized individuals. To protect against interception by unauthorized individuals, we will not respond to e-mail requests concerning accounts placed for collection. Therefore, if you are communicating with NRA regarding a debt that has been placed for collection with National Recovery Agency, all correspondence regarding that account should be sent by U.S. Postal Service unless individual provides National Recovery Agency with a written authorization and waiver to communicate by electronic mail. Be sure to include your name, your mailing address, the NRA account number, creditor name, and creditor account number so that we may process your inquiry and respond promptly. Without complete information, we will be unable to respond to your request. The address for mailing inquiries is:


National Recovery Agency
P.O. Box 67015
Harrisburg, PA 17106


Emails posted or sent through this website shall be ineffective to dispute a debt that has been placed for collection with NRA and does not trigger NRA's obligation to verify a disputed debt pursuant to 11 U.S.C. 31092G(b). Such emails also are NOT considered to be NRA's first communication with the sender for the purposes of 11 U.S.C. 51692G(a).


NRA has implemented physical, electronic, and procedural security safeguards to protect against the unauthorized release of or access to personal information. Additionally to further safeguard this information, our employees are asked to agree to NRA's Information Security Policy as well as Confidentiality Agreements, and are subject to disciplinary action up to and including termination of employment if they fail to follow signed agreements.


NRA may change this Privacy Notice at any time. Notice of any new or revised Privacy Notice, as well as the location of the new or revised statement. It is the obligation of users visiting the Website before the change to learn of changes to the Privacy Notice since their last visit. Any change to this Privacy Notice shall be effective as to any Website user who has visited the Website before the change was made.