Last Updated: 3/11/2026
Solverity believes that maintaining the privacy and confidentiality of an individual's personal information is important. We provide this Privacy Policy to explain how we collect, use, disclose, and retain personal information and to describe your rights regarding that information.
This Privacy Policy applies to information collected through our website located at www.solveritynw.com, including any subdomains, our online payment portal, and our debt collection activities (collectively, the "Site" and "Services").
We may update this Privacy Policy from time to time to address new issues or reflect changes in our practices. We encourage you to review this Privacy Policy periodically. Your continued use of the Site or Services after any changes indicates your acceptance of the updated Privacy Policy.
Information We Collect
We collect the following categories of personal information about consumers for debt collection purposes:
Solverity believes that maintaining the privacy and confidentiality of an individual's personal information is important. We provide this Privacy Policy to explain how we collect, use, disclose, and retain personal information and to describe your rights regarding that information.
This Privacy Policy applies to information collected through our website located at www.solveritynw.com, including any subdomains, our online payment portal, and our debt collection activities (collectively, the "Site" and "Services").
We may update this Privacy Policy from time to time to address new issues or reflect changes in our practices. We encourage you to review this Privacy Policy periodically. Your continued use of the Site or Services after any changes indicates your acceptance of the updated Privacy Policy.
Information We Collect
We collect the following categories of personal information about consumers for debt collection purposes:
Category |
Examples |
Sources |
Identifiers |
Name, address, phone number, email address, Social Security number, account number |
Consumer, Consumer's creditor, credit reporting agencies, skip trace services |
Internet activity |
Online payment activity, IP address, browser type, pages visited |
Collected directly when consumer visits the Site |
Audio recordings |
Telephone call recordings |
Recorded during calls with Solverity |
Cookies and Tracking Technologies
When you visit the Site, we may automatically collect certain information using cookies and similar technologies. This includes your IP address, browser type, operating system, referring URLs, and information about how you interact with the Site. We use this information to operate and improve the Site, process payments, and prevent fraud.
You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features of the Site, including the payment portal.
How We Use Personal Information
We use personal information for the following purposes:
When you visit the Site, we may automatically collect certain information using cookies and similar technologies. This includes your IP address, browser type, operating system, referring URLs, and information about how you interact with the Site. We use this information to operate and improve the Site, process payments, and prevent fraud.
You can control cookies through your browser settings. Disabling cookies may affect the functionality of certain features of the Site, including the payment portal.
How We Use Personal Information
We use personal information for the following purposes:
- Collecting debts owed to our clients
- Verifying consumer identity
- Locating consumers
- Processing payments
- Communicating with consumers about their accounts
- Reporting account status to credit reporting agencies
- Complying with legal obligations
- Responding to legal process and government inquiries
- Operating and improving the Site
- Preventing fraud and unauthorized access
Third-Party Disclosures
We do not sell personal information. We disclose personal information to the following categories of third parties in connection with our debt collection activities:
Category of Recipient |
Information Disclosed |
Purpose |
Credit reporting agencies |
Identifiers (name, address, Social Security number), account information, payment history, account status |
Reporting consumer account status as permitted by the Fair Credit Reporting Act |
Original creditors and clients |
Account status, payment information, collection activity updates, consumer communications |
Fulfilling our contractual obligations to report on collection efforts and account status |
Attorneys |
Identifiers, account information, employment information, call recordings, correspondence, geolocation data |
Litigation and enforcement of debts |
Process servers |
Name, address, and other information necessary to effectuate service |
Service of legal process |
Courts and government agencies |
Information required by subpoena, court order, or legal process |
Compliance with legal obligations, litigation |
Skip trace and data services |
Identifiers sufficient to locate consumers |
Locating consumers; these services also provide information back to us |
Payment processors |
Name, account number, payment amount, payment method details |
Processing consumer payments |
Service providers |
Various categories as necessary for the service |
IT services, data storage, telephone systems, text messaging platforms, mail services, and other operational support |
We require third parties that receive personal information to use it only for the purposes for which it was disclosed and to protect it consistent with applicable law.
We will not share your SMS opt-in information with any third party for any reason other than deliver the specific services associated with the campaign. However, we may share your personal data, including your SMS opt-in or consent status, with third parties that assist us in providing messaging services, such as platform providers, phone carriers, and other vendors involved in delivering text messages.
Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with our legal and contractual obligations.
We will not share your SMS opt-in information with any third party for any reason other than deliver the specific services associated with the campaign. However, we may share your personal data, including your SMS opt-in or consent status, with third parties that assist us in providing messaging services, such as platform providers, phone carriers, and other vendors involved in delivering text messages.
Data Retention
We retain personal information for as long as reasonably necessary to fulfill the purposes for which it was collected and to comply with our legal and contractual obligations.
Type of Information |
Retention Period |
Account and collection records |
Seven years from the date the account is closed, paid in full, or returned to the creditor, or longer if required by client contract or applicable law |
Call recordings |
Three years from the date of the recording, or longer if the recording is relevant to pending or anticipated litigation or a regulatory inquiry |
Payment records |
Seven years from the date of the transaction |
Correspondence and communications |
Seven years from the date of the communication |
Litigation files |
Ten years from the conclusion of the matter, including exhaustion of appeals and satisfaction of any judgment |
Website activity logs |
Thirteen months from collection |
When personal information is no longer required for these purposes, we securely delete or anonymize it. Retention periods may be extended where information is subject to a legal hold, regulatory investigation, or ongoing dispute.
Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction. These measures include access controls, encryption of sensitive data in transit, and employee training on data protection. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
California Privacy Rights
This section applies to California residents and supplements the information in this Privacy Policy.
Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA"), California residents have the following rights:
Security
We maintain reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction. These measures include access controls, encryption of sensitive data in transit, and employee training on data protection. However, no method of transmission over the internet or electronic storage is completely secure, and we cannot guarantee absolute security.
California Privacy Rights
This section applies to California residents and supplements the information in this Privacy Policy.
Under the California Consumer Privacy Act, as amended by the California Privacy Rights Act (collectively, "CCPA"), California residents have the following rights:
- Right to Know. You may request that we disclose the categories of personal information we have collected about you, the categories of sources from which we collected the information, the business or commercial purpose for collecting the information, the categories of third parties with whom we share personal information, and the specific pieces of personal information we have collected about you.
- Right to Delete. You may request that we delete the personal information we have collected about you. The CCPA provides exceptions to this right. Information that Solverity maintains for debt collection purposes generally falls within an exception permitting retention where the information is necessary to complete a transaction, perform a contract, comply with a legal obligation, or for other purposes permitted by law. We will notify you if an exception applies to your request.
- Right to Correct. You may request that we correct inaccurate personal information that we maintain about you.
- Right to Limit Use of Sensitive Personal Information. You may request that we limit our use of your sensitive personal information to uses necessary to perform debt collection services. Sensitive personal information we may collect includes health insurance information (when collecting medical debt) and precise geolocation data (obtained from process servers). Solverity uses sensitive personal information only for debt collection purposes and does not use it for purposes that would require offering this limitation.
- Right to Opt Out of Sale or Sharing. You have the right to opt out of the sale of your personal information and the sharing of your personal information for cross-context behavioral advertising. Solverity does not sell personal information and does not share personal information for cross-context behavioral advertising.
- Right to Non-Discrimination. You have the right not to receive discriminatory treatment for exercising your CCPA rights.
How to Submit a California Privacy Request
You or your authorized agent may submit a request to know, delete, or correct by contacting us at:
Phone: (213) 532-8646
Email: [email protected]
To designate an authorized agent, you must provide a valid power of attorney or signed written authorization permitting the agent to act on your behalf.
When you submit a request, we will verify your identity by matching two or three pieces of personal information you provide against the information we maintain. If we cannot verify your identity, we will notify you.
We will respond to verifiable requests within 45 days. If we require additional time, we will notify you of the extension and the reason.
Oregon Privacy Rights
This section applies to Oregon residents and supplements the information in this Privacy Policy.
Under the Oregon Consumer Privacy Act ("OCPA"), Oregon residents have the following rights:
You or your authorized agent may submit a request to know, delete, or correct by contacting us at:
Phone: (213) 532-8646
Email: [email protected]
To designate an authorized agent, you must provide a valid power of attorney or signed written authorization permitting the agent to act on your behalf.
When you submit a request, we will verify your identity by matching two or three pieces of personal information you provide against the information we maintain. If we cannot verify your identity, we will notify you.
We will respond to verifiable requests within 45 days. If we require additional time, we will notify you of the extension and the reason.
Oregon Privacy Rights
This section applies to Oregon residents and supplements the information in this Privacy Policy.
Under the Oregon Consumer Privacy Act ("OCPA"), Oregon residents have the following rights:
- Right to Know. You may request confirmation of whether we are processing your personal data and, if so, access to that data.
- Right to Delete. You may request that we delete personal data you have provided to us or that we have obtained about you. This right is subject to exceptions, including where retention is necessary to complete a transaction, perform a contract, comply with a legal obligation, or for other purposes permitted by law. Information that Solverity maintains for debt collection purposes generally falls within these exceptions.
- Right to Correct. You may request that we correct inaccuracies in your personal data.
- Right to Data Portability. Where technically feasible, you may request a copy of the personal data you previously provided to us in a portable and readily usable format.
- Right to Opt Out. You may opt out of the processing of your personal data for purposes of targeted advertising, the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects. Solverity does not sell personal data, does not use personal data for targeted advertising, and does not engage in profiling that produces legal or similarly significant effects.
Sensitive Data
Under the OCPA, sensitive data includes data revealing racial or ethnic origin, religious beliefs, health diagnosis or conditions, sexual orientation, citizenship or immigration status, genetic or biometric data, personal data of a known child, and precise geolocation data. Solverity processes the following categories of sensitive data:
- Health information (when collecting medical debt), obtained from the consumer's creditor or the consumer
We process sensitive data only as necessary for debt collection purposes and as permitted by law.
How to Submit an Oregon Privacy Request
You may submit a request by contacting us at:
Phone: (360) 604-8514
Email: [email protected]
We will respond to your request within 45 days. If we require additional time, we will notify you of the extension and the reason.
To verify your identity, we will match two or three pieces of personal information you provide against the information we maintain. If we cannot verify your identity, we will notify you and explain why we were unable to process your request.
Appeals
If we decline to take action on your request, you may appeal that decision by contacting us at [email protected] with the subject line "Oregon Privacy Appeal." We will respond to your appeal within 45 days. If we deny your appeal, we will provide you with instructions on how to contact the Oregon Attorney General to submit a complaint.
Children's Privacy
The Site is not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete that information promptly.
Changes to This Privacy Policy
We may update this Privacy Policy periodically to reflect changes in our practices or applicable law. When we make material changes, we will update the "Last Updated" date at the top of this page. We encourage you to review this Privacy Policy each time you visit the Site.
Contact Us
If you have questions about this Privacy Policy or wish to exercise your privacy rights, please contact us at:
Solverity Email: [email protected] Phone: (360) 604-8514