Last Updated: December 4, 2025
This Privacy Policy describes how Midwest Service Bureau, LLC and our related companies (“MSB,” “we,” “us,” or “our”) collect, use, disclose, and protect personal information in connection with:
Accounts placed with us for collection; and
Your use of our websites, web applications, and online services that link to this Privacy Policy (collectively, the “Site”).
This Policy is intended for individuals located in the United States. Our Site and services are not directed to residents of the European Economic Area, United Kingdom, or Switzerland.
By accessing or using the Site, you agree to this Privacy Policy and our Terms of Use. We may update this Privacy Policy from time to time. The “Last Updated” date above indicates when it was most recently revised. Your continued use of the Site after any changes means you accept the updated Policy.
We collect different types of personal information depending on how you interact with us.
When a creditor or their agent places an account with us for collection, they may provide information about you, including but not limited to:
Full name and any aliases
Date of birth
Social Security number (SSN) or portions of SSN
Mailing address(es) and prior addresses
Phone numbers and email addresses
Account numbers and reference numbers
Original creditor and current creditor
Balance, charges, interest, fees, payment history, and status
Insurance information and claim status (for certain healthcare accounts)
Other information the creditor believes is relevant to servicing or collecting the account.
We may collect any information you provide directly to us, including when you:
Call our office or speak with our representatives
Send us an email, text/SMS, fax, or mail
Use our web applications or online forms (for example, when you:
Make or schedule a payment
Dispute a debt
Update contact information or insurance information
Request documentation or assistance
Create a payment plan or set up autopay through our online portals.
This information may include:
Name
Contact details (address, phone, email)
Account numbers and identifiers
Payment card or bank account information (for payments you authorize)
Information about your financial situation, disputes, or hardship
Any other information you choose to provide.
When you visit or interact with our Site, we and our service providers may automatically collect information from your browser or device, such as:
IP address and approximate location (e.g., city/state)
Device identifiers
Browser type and settings
Operating system and version
Dates and times of access
Pages and content you view, links you click, and actions you take
Referring and exit pages
Interaction with our emails (e.g., opens, clicks) where applicable.
We collect this information using technologies such as cookies, pixels, tags, scripts, and similar tools. See Section 4 (Cookies, Online Tracking & Advertising) for more detail.
For our business-to-business marketing and lead generation, we use visitor-identification and marketing tools such as RB2B (Retention.com) and similar services. These providers may:
Use cookies, device identifiers, and IP-based geolocation to determine whether a visitor is in the United States; and
For U.S.-based visitors, match visits to other information they or their partners hold (for example, an email address or business profile) so that we can follow up with marketing communications and sales outreach.
When you visit or log in to our Site, our online data partners or vendors may associate that activity with other information about you, including your email address, and we (or service providers acting on our behalf) may then send communications or marketing to that email address.
You can opt out of certain RB2B-based advertising by visiting:
https://app.retention.com/optout
These tools are used for U.S. visitors only and primarily for B2B lead generation and marketing pursuits—not for debt collection decisions about your existing account.
We may also obtain information from third parties, such as:
Address, phone, bankruptcy, probate, and deceased information from verification and skip-tracing vendors
Payment processors and financial institutions (e.g., confirmation of payment, chargebacks, or returns)
Analytics, advertising, and anti-fraud vendors
Professional advisors (e.g., law firms) assisting us with our collection efforts or compliance obligations.
We use the personal information we collect for purposes including:
Identifying and authenticating the correct individual associated with an account
Communicating with you about your account by phone, text/SMS, email, mail, or through our web applications
Processing payments, payment plans, and refunds that you authorize
Investigating and responding to disputes, complaints, and inquiries
Maintaining records of our interactions as required by law or for our legitimate business purposes.
Complying with federal, state, and local laws and regulations (such as the Fair Debt Collection Practices Act and applicable state laws)
Demonstrating compliance to regulators, clients, auditors, and courts
Detecting, investigating, and preventing fraud, abuse, security incidents, and other harmful or unlawful activity
Enforcing our agreements and defending against legal claims.
Operating and maintaining our websites and web applications
Analyzing usage to understand performance, diagnose issues, and improve user experience
Testing, research, and product/service development
Monitoring and enhancing the security of our systems.
For visitors to our public-facing marketing pages, we may use personal information to:
Send information about our services (for example, to potential or existing business clients)
Build and manage prospect lists and sales pipelines
Measure the effectiveness of our marketing campaigns
Show ads about our services on other websites and platforms, including through Google Ads and similar advertising providers (see Section 4.3).
We do not use sensitive debt-collection information (such as full SSN or detailed account balances received from creditors) to build advertising audiences.
We receive personal information from:
Creditors, their agents, or business associates who place accounts with us
You directly, when you contact us by phone, email, SMS, mail, or through our web applications
Third-party service providers (e.g., address and phone verification, bankruptcy and deceased checks, skip-tracing, payment processors)
Analytics, advertising, and visitor identification partners (such as RB2B and Google Ads/Analytics) in connection with visits to our Site.
We use cookies and similar technologies to:
Keep you logged in and remember your preferences
Help secure our Site and detect fraud or abuse
Understand how visitors use our Site
Measure and improve the effectiveness of our marketing.
You can usually set your browser to refuse or delete cookies. If you disable cookies, some features of the Site may not function properly.
We use analytics tools (such as Google Analytics or similar services) to understand how visitors use our Site, including what pages are visited and how often, in order to improve our content and usability.
These tools may use cookies or device identifiers to collect information about your use of the Site and may provide us with aggregated reports.
We use Google Ads, including remarketing and conversion measurement, to advertise our services online.
This means that:
We advertise across websites and apps that are part of the Google advertising network.
Google and other third-party vendors may use cookies or device identifiers to show our ads based on your past visits to our Site.
These technologies allow us to show more relevant ads and measure the effectiveness of our campaigns.
We do not use Google Ads to target ads based on sensitive information such as your debts, detailed financial status, health conditions, or other sensitive categories.
How to opt out of Google advertising cookies
You can control or opt out of Google’s personalized ads in several ways, including:
Google Ads Settings: https://www.google.com/settings/ads
Network Advertising Initiative opt-out: https://optout.networkadvertising.org
Your browser or device settings to limit or block cookies and advertising identifiers.
As described in Section 1(D), we use RB2B (Retention.com) and similar tools to identify and enrich information about U.S.-based visitors on our marketing pages so we can follow up with relevant communications (for example, outreach to potential business clients).
These tools may:
Determine whether a visitor is in the U.S. using IP-based geolocation
Use cookies and device IDs to match U.S. visitors to existing profiles in their databases
Provide us with contact information (such as an email address or company details) for sales and marketing outreach.
You may opt out of certain RB2B-based advertising by visiting:
https://app.retention.com/optout
Some browsers offer “Do Not Track” (DNT) signals. There is currently no industry standard for how to respond to these signals, and we do not respond to DNT at this time. We instead offer the choices described in this Policy.
We do not share your personal information with third parties except as described in this Policy or as permitted or required by law.
We may disclose personal information:
We share personal information with a limited number of third-party service providers who help us operate our business and provide our services, including:
Payment processors and banks
Mailing, printing, and communication vendors (letters, emails, SMS)
Data verification, skip-tracing, and address/phone update providers
Analytics, security, and website hosting providers
IT, software, and document management vendors
Marketing and advertising partners (for website visitors and B2B leads).
These service providers are authorized to use personal information only as necessary to provide services to us and are required to protect it in accordance with applicable law and our contracts.
We may share information about account status, communications, and payments with the creditor (or their agent or assignee) who placed your account with us, as well as reports and aggregated data they request or require.
We may disclose information:
To law enforcement, regulators, courts, or others when we believe disclosure is required or appropriate under applicable law (for example, in response to a subpoena or court order)
To protect our rights, privacy, safety, or property, or that of our clients, employees, or the public
To investigate and respond to complaints, disputes, or legal claims.
In the event of a merger, acquisition, reorganization, sale of assets, or similar corporate transaction, personal information may be transferred as part of that transaction, subject to applicable law.
We may share aggregated or de-identified information (that is not reasonably capable of identifying you) with clients, prospective clients, and regulators to describe our services, performance, or business trends.
We do not sell personal information for money in the traditional sense.
However, some U.S. state privacy laws define “sell” or “share” broadly to include certain uses of personal information for targeted advertising or cross-context behavioral advertising (for example, allowing third-party advertising cookies on our Site).
In connection with our use of RB2B, Google Ads, and similar marketing and analytics tools for website visitors and B2B leads, we may engage in practices that could be considered a “sale” or “sharing” of identifiers and internet activity information under those laws.
You can opt out of these practices as described in Section 7 (Your Privacy Rights and Choices), including through:
RB2B opt-out: https://app.retention.com/optout
Google Ads and NAI opt-outs listed above; and
Contacting us to request that we not use your information for targeted advertising.
We do not sell or share sensitive account information such as full Social Security numbers or full financial account numbers for advertising or marketing purposes.
If you receive marketing emails from us, you can unsubscribe at any time by:
Clicking the “unsubscribe” link in the email; or
Contacting us using the information in Section 13 (Contacting Us).
If you receive texts/SMS from us for marketing purposes (if any), you may opt out by replying STOP.
Note: Communications sent to collect a debt or service your account may not always be considered “marketing,” and our ability to contact you for those purposes is governed by debt collection and other applicable laws.
You can:
Adjust your browser settings to block or delete cookies
Use Google’s tools to control personalized ads: https://www.google.com/settings/ads
Use the Network Advertising Initiative opt-out: https://optout.networkadvertising.org
Opt out of certain RB2B-based advertising: https://app.retention.com/optout
Because these controls are provided by third parties, we are not responsible for their availability or effectiveness.
Depending on where you live (for example, in states such as California, Colorado, Connecticut, Utah, Virginia, and others with comprehensive privacy laws), you may have additional rights regarding your personal information, which may include:
Right to know/access: to request that we confirm whether we are processing your personal information and provide certain details.
Right to correction: to request that we correct inaccuracies in your personal information.
Right to deletion: to request that we delete personal information we maintain about you, subject to legal exceptions (for example, where we must retain records to comply with debt collection and recordkeeping laws).
Right to data portability: to receive certain information in a portable format.
Right to opt out of the sale or sharing of personal information and certain forms of targeted advertising.
Right to limit use of sensitive personal information (in some states), subject to legal requirements.
We will not discriminate against you for exercising your privacy rights.
How to exercise your privacy rights
To submit a request, you may:
Use the contact methods listed on the “Contact” page of our Site; or
Write to us at the address provided in Section 13.
When you make a request, we may need to verify your identity (for example, by asking you to provide certain information such as your name, address, or details from our records) to protect your privacy and security.
Where permitted by law, you may authorize someone else to make a request on your behalf, and we may require proof of that authorization.
Some information may be exempt from these rights because we are required or allowed to keep it under applicable laws (for example, for accounting, legal, or compliance reasons).
We take the security of your information seriously. We use reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, alteration, and destruction.
For example:
We use encryption for certain data in transit
We limit access to personal information to personnel and service providers with a business need
Our systems are housed in facilities with physical security controls.
However, no method of transmission over the Internet or method of electronic storage is completely secure. You acknowledge that:
There are security and privacy limitations inherent in using the internet;
We cannot guarantee that information will always remain secure; and
Information may be accessed or altered by a third party despite our efforts.
We retain personal information:
For as long as necessary to provide our services and carry out the purposes described in this Policy;
For as long as accounts remain active or are reasonably likely to result in further activity; and
As long as required by applicable law, contracts with our clients, and our record retention policies (which may require retention for several years after an account is closed).
We may retain de-identified or aggregated information indefinitely.
Our Site is not directed to children under 13, and we do not knowingly collect personal information online from children under 13.
If we learn that we have collected personal information online from a child under 13 without appropriate consent, we will delete it as required by law. If you believe we may have such information, please contact us using the information below.
Our Site may contain links to websites or services operated by third parties. We do not control and are not responsible for the privacy practices of these third-party sites. Your use of those sites is subject to their own terms and privacy policies, not this Privacy Policy.
We may update this Privacy Policy from time to time to reflect changes in our practices, technologies, legal requirements, or other factors.
When we do, we will revise the “Last Updated” date at the top of this page. In some cases, we may provide additional notice (such as adding a statement on our homepage or sending notifications). We encourage you to review this Policy whenever you use the Site.
Your continued use of the Site after any changes become effective indicates your acceptance of the updated Privacy Policy.
If you have any questions about this Privacy Policy or our privacy practices, or if you wish to exercise your privacy rights, you may contact us by:
Using the contact information provided on any notice or letter you received from us; or
Visiting the “Contact” page on our website and using the listed phone number, mailing address, or contact form; or
Using any other contact methods that we make available on the Site.
Please do not include sensitive information (such as your full Social Security number or full payment card number) in email or online form submissions.
Effective Date:
December 4, 2025
