Terms and Conditions of Use | Privacy Policy

Effective date: January 22, 2019

Oliver Adjustment Company, Inc DBA, OAC ("us", "we", or "our") operates the https://oac.youraccountadvantage.com website (hereinafter referred to as the "Service"). This page informs you of our policies regarding the collection, use and disclosure of personal data when you use our Service and the choices you have associated with that data. We use your data to provide and improve the Service. By using the Service, you agree to the collection and use of information in accordance with this policy. Unless otherwise defined in this Privacy Policy, the terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, accessible from https://oac.youraccountadvantage.com

FDCPA and HIPPA require that consumer/medical information is protected from unauthorized access and/or disclosure. Oliver Adjustment Company will maintain adequate safeguards to prevent the improper use or disclosure of private information as defined in the FDCPA or HIPAA regulations. We agree to comply with all privacy and security policies of our clients and will use our best efforts to maintain the integrity as well as the confidentiality of electronically transmitted/accessed information.
Definitions

Service
Service is the http://oac.youraccountadvantage.com website operated by Oliver
Adjustment Company, Inc
Personal Data
Personal Data means data about a living individual who can be identified from those data (or from those and other information either in our possession or likely to come into our possession).
Usage Data
Usage Data is data collected automatically either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
Cookies
Cookies are small files stored on your device (computer or mobile device).
Information Collection and Use
Information Collection and Use
We collect several different types of information for various purposes to provide and improve our Service to you.
Types of Data Collected
Personal Data. While using our Service, we may ask you to provide us with certain personally identifiable information that can be used to contact or identify you ("Personal Data"). Personally identifiable information may include, but is not limited to:
First name and last name
Phone number
Address, State, Province, ZIP/Postal code, City
Cookies and Usage Data
Usage Data
We may collect information on how the Service is accessed and used ("Usage Data"). This Usage Data may include information such as your computer's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, unique device identifiers and other diagnostic data.
Tracking Cookies Data
We use cookies and similar tracking technologies to track the activity on our Service and we hold certain information. Cookies are files with a small amount of data which may include an anonymous unique identifier. Cookies are sent to your browser from a website and stored on your devise. Other tracking technologies are also used such as beacons, tags, and scripts to collect and track information and to improve and analyze our Service. You can instruct your browser to refuse all cookies or to indicate when a cookie is being sent. However, if you do not accept cookies, you may not be able to use some portions of our Service.
Examples of Cookies we use
Session Cookies. We use Session Cookies to operate our Service.
Preference Cookies. We use Preference Cookies to remember your preferences and various settings.
Security Cookies. We use Security Cookies for security purposes.

Use of Data
Oliver Adjustment Company, Inc uses the collected data for various purposes:

To provide and maintain our Service
To notify you about changes to our Service
To allow you to participate in interactive features of our Service when you choose to do so
To provide customer support
To gather analysis or valuable information so that we can improve our Service
To monitor the usage of our Service
To detect, prevent and address technical issues
Transfer of Data
Your information, including Personal Data, may be transferred to — and maintained on computers located outside of your state, province, country, or other governmental jurisdiction where the data protection laws may differ from those or your jurisdiction. If you are located outside the United States and choose to provide information to us, please note that we transfer the data, including Personal Data, to the United States and process it there. Your consent to this Privacy Policy followed by your submission of such information represents your agreement to that transfer.

Oliver Adjustment Company, Inc will take all the steps reasonably necessary to ensure that your data is treated securely and in accordance with this Privacy Policy and no transfer of your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of your data and other personal information.

Disclosure of Data
Disclosure for Law Enforcement
Under certain circumstances, Oliver Adjustment Company, Inc may be required to disclose your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Legal Requirements
Oliver Adjustment Company, Inc may disclose your Personal Data in the good faith belied that such action is necessary to:

To comply with a legal obligation
To protect and defend the rights or property of Oliver Adjustment Company, Inc
To prevent or investigate possible wrongdoing in connection with the Service
To protect the personal safety of users of the Service or the public to protect against legal liability

Security of Data
The security of our data is important to us but remember that no method of transmission over the Internet or method of electronic storage is 100% secure. While we strive to use commercially acceptable means to protect your Personal Data, we cannot guarantee its absolute security.

Our Policy on "Do Not Track" Signals under the California Online Protection Act (CalOPPA)
We do not support Do Not Track ("DNT"). Do Not Track is a preference you can set in your web browser to inform website that you do not want to be tracked.
You can enable or disable Do Not Track by visiting the Preferences or Settings page of your web browser.

Service Providers
We may employ third party companies and individuals to facilitate our Service ("Service Providers"), provide the Service on our behalf, perform Service-related services, or assist us in analyzing how our Service is used.
These third parties have access to your Personal Data only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

Payments
We may provide paid products and/or services within the Service. In that case, we use third-party services for payment processing (e.g. payment processors).
We will not store or collect your payment card details. That information is provided directly to our third-party payment processors whose use of your personal information is governed by their Privacy Policy. These payment processors adhere to the standards set by PCI-DSS as managed by the PCI Security Standards Council, which is a joint effort of brands like Visa, MasterCard, American Express and Discover. PCI-DSS requirements help ensure the secure handling of payment information.
The payment processors we work with are:
PayScout
Their Privacy Policy can be viewed at http://payscout.com/privacy/

Links to Other Sites
Our Service may contain links to other sites that are not operated by us. If you click a third-party link, you will be directed to that third party's site. We strongly advise you to review the Privacy Policy of every site you visit.
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.

Children's Privacy
Our Service does not address anyone under the age of 18 ("Children").
We do not knowingly collect personally identifiable information from anyone under the age of 18. If you are a parent or guardian and you are aware that your Child has provided us with Personal Data, please contact us. If we become aware that we have collected Personal Data from children without verification of parental consent, we take steps to remove that information from our servers.

Termination of Use
Oliver Adjustment Company may, in its sole discretion, terminate or suspend your access to and use of this Site without notice and for any reason, including for violation of these Terms and Conditions of Use or for other conduct which Oliver Adjustment Company, in its sole discretion, believes is unlawful or harmful to others. In the event of termination, you will no longer be authorized to access the Site, and Oliver Adjustment Company will use any means possible to enforce this termination.

Limitation of Liability
In no event will Oliver Adjustment Company or its employees be liable for any incidental, indirect, special, punitive, exemplary, or consequential damages, arising out of your use of or inability to use the Site, including without limitation, loss of revenue or anticipated profits, loss of goodwill, loss of business, loss of data, computer failure or malfunction, or any other damages.

Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page.
Privacy Policies are effective when they are posted on this page.

Contact Us
If you have any questions about this Privacy Policy, please contact us:
• By email: info@oac.bz
• By visiting this page on our website: htt ://oac.youraccountadvantage.com
• By mail: Po Box 500, Baraboo, WI 53913
• By phone: 1-800-337-4003

Terms of Use:
Oliver Adjustment Company, Inc DBA OAC Debtor Weblink Terms of Use

ACCEPTANCE OF TERMS.

The services that Oliver Adjustment Company, Inc, provides to you are subject to the following terms of use. Oliver Adjustment Company reserves the right to update the terms of use at any time without notice to you.
WARNING! This resource is provided for authorized users only. Any unauthorized access, use, or publication of this content is strictly prohibited.

By accepting these terms, you acknowledge awareness that Oliver Adjustment Company is a third-party debt collection agency. This is an attempt to collect a debt by a debt collector, and any information obtained will be used for that purpose.

The State Rosenthal Fair Debt Collection Practices Act and the Federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgement. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877FTC-HELP or www.ftc.gov.

This collection agency is licensed by the Division of Banking in the Wisconsin Department of Financial Institutions, www.wdfi.org

In order to contact you more efficiently, we may, at times, contact you using autodialed or prerecorded message calls or text messages at the telephone number(s) you have provided us or we have received from your creditor, which you have expressly provided to them. We may place such calls or texts to (i) provide notices regarding your Account or Account activity, (ii) investigate or prevent fraud, or (iii) collect a debt owed to us. You agree that we and our service providers may contact you using an auto dialer or prerecorded message calls and test messages to carry out the purposes we have identified above. Standard telephone minute and text charges may apply.

DESCRIPTION OF SERVICES.
Oliver Adjustment Company provides you with access to your collection balance and provides several payment options. The services, including and updates, and/or addition of new accounts, are subject to the terms of use. This website has been prepared and is maintained solely for the purpose of providing information about Oliver Adjustment Company and the payment options offered by the company. Oliver Adjustment Company reserves the right to add, modify, or delete any information on this website at any time, with or without notice.

Your privacy is important to us. You agree that when using http://oac.bz, you will not:

Use the demographic information in connection with surveys, contests, pyramid schemes, chain letters, junk email, spamming or any duplicated or unsolicited messages (commercial or otherwise).
Defame, abuse harass, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) or others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, obscene, indecent, or unlawful topic, name, material or information pertaining to Oliver Adjustment Company.
Falsify any information.
Harvest or otherwise collect information about others.
Share your username or password with another site user.
Create a false identity for the purpose of misleading others.
If you forget your login or password, we can help. Please contact our office at
1-800-337-4003 or 414-483-1000 between the hours of 8 a.m. and 5 p.m. Monday-Friday. You are entirely responsible for maintaining the confidentiality of your password and account.

Furthermore, you are entirely responsible for any and all activities that occur under your account. If you select an external link on our website: You understand that you are leaving Oliver Adjustment Company's website and are going to a website that is not operated by Oliver Adjustment Company. We are not responsible for the content or availability of linked sites.

You agree to notify Oliver Adjustment Company immediately of any unauthorized use of your account or any other breach of security. Oliver Adjustment Company will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. You may not use anyone else's account at any time, with or without the permission of the account holder.

WHAT IS A STATUTE OF LIMITATIONS ON A DEBT?

A STATUTE OF LIMITATIONS IS THE LIMITED PERIOD OF TIME CREDITORS OR DEBT COLLECTORS HAVE TO FILE A LAWSUIT TO RECOVER A DEBT.

Most statutes of limitation fall in the three-to-six year range, although in some jurisdictions they may extend for longer depending on the type of debt. They may vary by:

State Laws;
What type of debt you have;
Whether the state law applicable is named in your credit agreement
Under state laws, there are often legal time limits within which a creditor or debt collector must start a lawsuit or the claim by be "barred." These laws are called "statute of limitation." If you're sued about a debt and the debt is too old, you may have a defense to the lawsuit.

In some states, the statute of limitations period begins when you failed to make a required payment on a debt. In other states it is counted from when you made your most recent payment, even if that payment was made during collection. In some states, even a partial payment on the debt will restart the time period. It is important to Know the Statue of Limitations in your State, before making a payment.

PAYMENTS AND REFUNDS
The balances due displayed within Oliver Adjustment Company's online portal, either directly or via electronically rendered statements, are determined, and derived exclusively by the affiliated client, not by Oliver Adjustment Company. Oliver Adjustment Company communicates these balances on behalf of the originating client service providers but does not control them. Payments made against these balances via Oliver Adjustment Company's online portal are conveyed by Oliver Adjustment Company to the originating providers. Adjustments, refunds, discounts, dismissals, or any other changes to these balances are at the sole and exclusive discretion of the originating client service providers. Policies and practices controlling these adjustments, including but not limited to refunds will strictly be based on overpayment of an account. Any overpayments on an account will be sent a refund within 30 business days of notification of overpayment.

This site is not intended to provide legal advice or serve as a substitute for legal advice. By agreeing to the terms and use and checking — I agree, you indicate that you have read and understand these Terms and Conditions, and that you agree to them and intend to be legally bound by them. If you do not agree to these Terms and Conditions, you are not granted permission to use this website and must exit immediately.