PAC
Privacy Policy – Protective Association for Creditors (PAC)

Effective Date: 01/06/2025.

1. Overview

This Privacy Policy outlines how PAC collects, uses, stores, and protects personal and organizational data. PAC is committed to maintaining the privacy and integrity of all information entrusted to it by members, partners, and users of its services.

2. Information We Collect

PAC may collect the following types of information:

  • Identification Data: Names, contact details, and professional affiliations.
  • Financial Information: Details related to creditor status or debt claims (only with member consent).
  • Membership Data: Enrollment details, participation history, and communications.

3. How Information Is Used

PAC uses collected information to:

  • Verify and manage member eligibility.
  • Provide member support and services.
  • Facilitate dispute resolution and advocacy efforts.
  • Improve organizational operations and educational outreach.

4. Data Sharing and Disclosure

PAC does not sell or rent personal data. Information may be shared only:

  • With consent, to collaborate with external institutions.
  • When required by law or legal process.
  • To protect the rights, safety, or integrity of PAC and its members.

5. Data Protection Measures

PAC employs appropriate physical, technical, and organizational safeguards to protect personal information from unauthorized access, loss, or misuse. These include:

  • Secure digital systems and restricted access protocols.
  • Regular data audits and compliance checks.

6. Member Rights

Members have the right to:

  • Access their personal data.
  • Request corrections or updates.
  • Withdraw consent for specific data uses.
  • Request deletion of their data, subject to legal obligations.

7. Cookies and Tracking (if applicable)

If PAC operates a website:

  • Cookies may be used to enhance user experience.
  • Users can adjust browser settings to manage cookie preferences.

8. Policy Updates

PAC may revise this Privacy Policy to reflect changes in practices or regulations. Updated versions will be posted publicly, and major changes will be communicated directly to members.

9. Contact Information

For privacy inquiries, data access requests, or feedback:

  • Use the 'Send Email' button on top of the page to contact us. Responses are normally within one (1) working day.