Consumer Rights

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The Kcep privacy notice sets forth the information gathering, use, and dissemination practices of Kcep Financial Services LLC. with the web site, www.kcepfinancialservices.com. This notice addresses Kcep’s practices regarding information collected only through or from its web site. It does not address nor govern any information gathering, use, or dissemination practices related to information collected other than through or from its web site, including, without limitation, from or via telephone, facsimile, postal mail, personal delivery, or other or additional offline means or media. Kcep may use personal information contained in email sent by individuals to answer questions, follow-up on suggestions or complaints, process requests or transactions, or improve the level of service Kcep provides. Kcep may collect, use, and store information on the domain you use to access its web site, the Internet address of the site from which you linked directly to its web site, and the date and time of your visit to its web site. This information may be used to measure the number of visitors to the various pages on the Kcep web site, to help make improvements to the information contained on the site, and to better serve site visitors. Kcep also may collect, use, and store the email addresses of users that communicate with Kcep via email, information knowingly provided by web site users, and information regarding which web site pages users access. Kcep does not share any personally identifiable information obtained on its web site with or sell information obtained on this web site to any company or marketing group external to Kcep. Kcep may, however, share aggregate information with other persons or entities for purposes determined by Kcep to be appropriate. Kcep may disclose identifiable information to another entity with which Kcep enters or reasonably may enter into a corporate transaction, such as, for example, a merger, consolidation, acquisition, or asset purchase, 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 to a third party if determined by Kcep in its sole judgment that such disclosure is appropriate to protect the life, health, or property of Kcep or any other person or entity. (The foregoing is not intended to obviate or displace any legal obligations or duties applicable to Kcep.)Except as necessary for Kcep to provide the services, information, or products requested by a web site 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 Kcep through or from its web site, prospectively retained by Kcep, used by Kcep for secondary purposes, or disclosed by Kcep to third parties, by contacting Kcep via postal mail at the address below or at info@kcepfinancialservices.com While Kcep may undertake efforts to see that another party to which Kcep shares personal information is under a contractual obligation to use the personal information solely for the purposes for which the information was disclosed by Kcep, Kcep exercises no control over such parties and Kcep is not responsible for their conduct, actions, omissions, or information handling or dissemination practices. To communicate with Kcep regarding a debt that has been placed for collection with Kcep Financial Services, LLC., send all correspondence regarding that account by the U.S. Postal Service. Include the following information:

· Your name

· Mailing address

· Creditor name

· Creditor account number

Note: Without complete information, we are unable to verify you and respond to your request.  Mail inquiries to: Kcep Financial Services LLC. 2550 Pacific Ave Suite 700 Dallas, Texas 75226. Kcep may change this notice at any time. It is the obligation of users visiting the web site before the change to learn of changes to the notice since their last visit. Any change to this notice shall be effective as to any web site user who has visited the web site before the change was made. For California Residents with questions regarding the California Consumer Privacy Act, please contact us at info@kcepfinancialservices.com or by mail if you are want to know more about exercising your rights to know more about what data we collect regarding you and any requests to delete your information. In general, we collect the following information about you: full name, date of birth, social security number, phone number, address, email address, account number, original creditor, and balance and payment history. We also do not delete your information due to contractual, legal, and regulatory requirements. Your information will be deleted once these obligations have expired and in accordance with our Data Retention Policy.