Kramer & Frank, P.C. dba Gamache & Myers, PC Privacy Policy

Last updated April 21, 2020

Kramer & Frank, P.C. dba Gamache & Myers, P.C. (“Gamache & Myers”, “we”, “us” or “our”) believes it is a good business practice to disclose to you how your personal information and activity on our website is utilized. As a user of our website, and it's subpages and content (collectively, the “Site”) or our services or products (collectively, “Service(s)”), this Privacy Policy is intended to describe in a straight-forward and easily understandable manner:

By using the Site and/or Services you accept and acknowledge that you are bound by this Privacy Policy. Accordingly, please read this Privacy Policy carefully. If you have questions or concerns regarding this Privacy Policy, you may contact us using the information at the bottom of this Policy.

Debt Collection Notice

We are a debt collector. Any and all information you provide to us may be used to aid in our collection of debts. Accordingly, this and all other communications are from a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.

Information We Collect

We collect information about you so we can continue to provide and improve our Services to you and other users of the Site. The information collected include items that you voluntarily provide to us or that we receive from third-parties about you, such as your name, address, loan or account number, phone number, comments as well as other information that may or may not specifically identify you such as your internet protocol address. The information collected on this Site may be stored at servers, computers, or other media located in the United States.

Third-Party Sources

We may obtain personal and non-personal information about you from third-party sources, including our clients. This information may be utilized, analyzed, and/or compared with information that we have collected from you or that you have submitted to the Site. If the third-parties unlawfully obtained and/or provided the information to us you acknowledge and agree that your sole legal remedy is against the third-party that engaged in the unlawful activity.

We also utilize the services of one or more third-parties, including Amazon Web Services (“AWS”) and financial institutions who may process payments. When utilizing such third-party services, their privacy policies and practices will govern the handling of your data.

Information Collection Technology (Web Beacons and Cookies)

Our website currently does not utilize cookies, web beacons, or similar tracking devices.

Personal Information About Users Under 18 Years of Age Not Collected

The Site is meant for adults and those who have reached the age of majority as defined by the laws of their domicile. This Site is not meant for individuals under the age of 18 or those defined by the laws of their domicile as minors. Individuals under the age of 18 are not authorized to use this Site.

Information Use and Sharing

We may use and share your information with our clients, and as may we deem reasonable, to public or private third-parties: (i) for inspection by law enforcement officials (including in the case of potential criminal activity); (ii) to respond to cease and desist letters, arbitration proceedings, legal actions and suits, criminal and civil subpoenas, any court orders; (iii) to enforce or apply the terms of this Privacy Policy or any other agreement between us; (iv) in connection with the collection of any debt owed to a client of the firm, and (v) to protect the rights, property, or safety of ours, our users, or others, whether during or after the term of your use of our Services.

Your Information Will Not Be Sold

We will not sell any information you submit to us to any other third-party without prior written notice to you and an opportunity to opt-out.

Legal Process and Investigation Issues

From time to time, Kramer & Frank, P.C. dba Gamache & Myers may be required to respond to a subpoena or similar investigative demand from law enforcement, a court order, a government agency, or a private litigant. Kramer & Frank, P.C. dba Gamache & Myers reserves all rights to defend, within its sole discretion, against such legal requests, demands, and claims. For instance, Kramer & Frank, P.C. dba Gamache & Myers may raise or waive legal objections or rights. Kramer & Frank, P.C. dba Gamache & Myers also reserves the right to disclose your information, as allowed by applicable law, when we believe it is reasonably appropriate based on the situation. Such disclosure may occur, but is not limited to, disclosing your information in connection with efforts to: investigate, prevent, or commence other actions regarding suspected illegal activity or other wrongdoing; to protect, defend the rights, property or safety of our company, our users, our employees, or others; comply with applicable law or cooperate with law enforcement; or enforce our Site Terms of Service or other agreements or policies.

Notice about Social Security Numbers

We generally do not collect social security numbers; however, if we come into possession of users’ social security numbers or collects such information in the future, the information will be treated confidentially and will only be shared with our clients (i.e. your creditors) unless otherwise allowed by law or as reasonably necessary to pursue collection litigation or in pursuit of a post judgment remedy. Additionally, Kramer & Frank, P.C. dba Gamache & Myers will take reasonable steps to limit the access to the social security numbers and take legally required steps of securing the transmission of the data.

Notice about the use of your telephone number

If you provide us with a contact telephone number on this site, you authorize us to contact you at the number provided. Also, you authorize us to leave a voice mail message that includes but is not limited exclusively to the following: the caller’s name, our firm name, a call back number and a statement that we are a debt collector.

Third Party Privacy Policies May Be Applicable

Our Privacy Policy does not cover any third party’s use or handling of your information once it is shared. Instead, the privacy policies of the third party(ies) will govern. We encourage you to visit the websites of those third-parties and fully read and understand their privacy policies. Some of these entities or their servers may be located outside the United States.

DO NOT TRACK REQUESTS

In some states, users may be entitled to know how we response to “Do Not Track” browser settings. Like many other websites and online services, we do not alter our practices because there is little consensus in the industry about what “Do Not Track” means.

Information Retention and Security

We may store your information for more than seven (7) years from the time of initial submission, as well as automated personal information we collect about you.

We take reasonable security measures to protect users’ information against unauthorized access, loss, alteration, or destruction. These measures include encryption and physical security measures to guard against unauthorized access to systems where we store personal information, and the usage of reputable third-party vendors. Despite these reasonable measures, we cannot guarantee our security measures are impenetrable. Therefore, although we take reasonable steps to secure your information, we cannot and do not promise or warrant that your information will always remain secure.

Privacy Policy Updates and Revisions

This Privacy Policy may be updated from time to time. We reserve the right to modify the Policy at any time without notice, so please review the Policy frequently. When changes are made to this Policy, we will revise the “last updated” date at the top of this Privacy Policy. If we make any material changes in the way we collect, use, and/or share your personal information, we will also post notice of the changes on our Site and/or may notify you by sending an e-mail to the e-mail address you most recently provided to us in your account. Your continued use of our Site or Services after we have posted any Privacy Policy changes indicates your agreement to the changes unless you notify us otherwise.

If you wish to retain a copy of this privacy policy, you should print a copy for your records. From Internet Explorer, this can be accomplished by selecting "file" and then “print” from the dropdown menu.

Terms of Privacy Policy Survive

If any terms of this Privacy Policy are held invalid and/or unenforceable by a court of law or a competent jurisdiction, the remaining provisions of the Policy shall remain in full force and effect.

Limitations

The adoption or publication of this Privacy Policy does not subject Kramer & Frank, P.C. dba Gamache & Myers to any stricter duty in it's collection, handling, storage and disclosure of nonpublic information than otherwise applies to Gamache & Myers under applicable law. No person or entity shall have any right or recourse against Gamache & Myers it's affiliates, agents, sponsors, or other related parties based on any alleged violation or noncompliance with this Privacy Policy. This Policy is to be construed under the laws of the State of Missouri.

In certain situations, clients of Gamache & Myers may dictate how their personal information is used, stored, and processed. If you are a client, you may provide written instructions to Gamache & Myers about how you wish for your personal information to be treated.

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© 2024 - Kramer & Frank, P.C. dba Gamache & Myers, P.C.
‭(800) 404-0220 - 11960 Westline Industrial Dr., Suite 180 | St. Louis, MO 63146

This communication is with a debt collector in an attempt to collect a debt and
any information obtained will be used for that purpose.