Effective Date: 01/01/2025
Last Updated: 09/01/2025
Who We Are
American Financial Credit Services (“we,” “our,” or “us”) is a third-party collection agency focusing on non-consumer debt that provides account servicing and repayment solutions on behalf of government entities. We are committed to protecting your privacy and handling your personal data with transparency, security, and respect.
This Privacy Policy explains how we collect, use, disclose, and protect your information when you interact with us, including via SMS text messages.
Information We Collect
We collect personal information from you in the following ways:
Directly from You
- Name
- Mobile phone number
- Email address
- Mailing address
- Payment information (when submitted)
- Account reference or ID numbers
Automatically
- Message interaction data (e.g., message status, timestamps, opt-in/opt-out)
- Device metadata (e.g., IP address, browser type, mobile carrier)
- Usage data when you click on payment links or interact with our digital tools
From Creditors or Clients
- Original account details
- Outstanding balance information
- Payment history
- Date of delinquency
How We Use Your Information
We use your information for the following purposes:
- To communicate with you regarding your account
- To send SMS payment reminders and secure payment links
- To verify your identity and manage your preferences
- To process and record payments
- To comply with legal and regulatory obligations
- To maintain accurate records of communication and account activity
- To improve our services and maintain security
SMS Text Messaging and Your Consent
Your Privacy and Communication Preferences
By providing your mobile number and opting in, you authorize American Financial Credit Services to send you text messages (SMS/MMS) related to your account, including payment reminders, account updates, and secure payment links. These messages may be sent using an automated system.
Purpose of Messaging
Text messages are sent solely to help you manage your account and repayment process. This may include:
- Payment due date reminders
- Balance updates
- Payment not received notices
- Secure links to authorized payment portals
- Important account notifications
Consent Disclosure
- You acknowledge and agree that SMS communications may be sent using an auto-dialer or similar technology.
- Consent to receive text messages is not a condition of repayment or service.
- Message frequency may vary based on your account activity.
- Message and data rates may apply depending on your mobile carrier.
Opting Out
You may opt out of receiving text messages at any time by replying STOP to any message. For assistance, reply HELP or contact us at help@afcsonline.com.
Data Use & Protection
We collect and use your mobile number, message history, and related metadata strictly for account management and compliance purposes. We do not sell or share your personal information with third parties for marketing purposes.
All data is securely stored and protected with encryption and limited access controls. Payment links sent via SMS direct you only to our secure, PCI-compliant payment platform.
Sharing of Information
We do not sell your personal data. We may share your information only with:
- The original creditor or debt owner
- Payment processors (PCI-compliant)
- Service providers (e.g., SMS platforms, data storage vendors)
- Regulatory bodies when required by law
- Legal authorities in response to valid legal requests
All third parties must comply with strict confidentiality and data protection obligations.
How We Protect Your Information
We implement technical, administrative, and physical safeguards to secure your data, including:
- Encryption of data in transit and at rest
- Multi-factor authentication for system access
- Limited access to sensitive information
- Secure messaging and payment platforms
CCPA Privacy Rights (California Residents)
If you are a California resident, you have the following rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
Right to Know
You may request that we disclose what personal information we have collected about you, including categories, sources, purposes, and any third parties with whom we share it.
Right to Delete
You may request that we delete your personal information, subject to certain legal exceptions (e.g., for compliance with federal debt collection laws or payment records).
Right to Correct
You may request that we correct inaccurate personal information about you.
Right to Opt Out of Sale or Sharing
We do not sell or share your personal information for cross-context behavioral advertising and thus do not offer an opt-out link.
Right to Limit Use of Sensitive Information
We do not use your sensitive personal information (e.g., financial or geolocation data) for purposes other than those permitted under the CCPA/CPRA.
Non-Discrimination
We will not discriminate against you for exercising your rights under the CCPA.
Your Rights and Choices
Depending on your jurisdiction, you may have rights to:
- Access or correct your personal data
- Request deletion of your information
- Withdraw consent to receive communications
- Request a record of communications
To exercise these rights, please contact us at help@afcsonline.com or 1-317-705-4237.
Data Retention
We retain your data only as long as necessary to fulfill the purposes described in this policy, comply with our legal obligations, and maintain accurate account records.
Children’s Privacy
Our services are not intended for individuals under the age of 18. We do not knowingly collect personal information from children.
Changes to This Policy
We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised “Last Updated” date.
Contact Us
If you have any questions about this Privacy Policy or your data, please contact us:
American Financial Credit Services
10333 North Meridian Street, Suite 270, Indianapolis, IN 46290
https://www.afcsoptions.com