Effective date: January 22, 2019
FDCPA and HIP PA require that consumer/medical information is protected from unauthorized access and/or disclosure. OAC 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.
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 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
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
- 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
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).
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.
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.
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).
The payment processors we work with are:
Links to Other Sites
We have no control over and assume no responsibility for the content, privacy policies or practices of any third-party sites or services.
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
OAC 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 OAC, 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 OAC will use any means possible to enforce this termination.
Limitation of Liability
In no event will OAC 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.
Privacy Policies are effective when they are posted on this page.
• By email: info a oac.bz
• By visiting this page on our website: htt ://oac. mouraccountadvantaoe.com
• By mail: Po Box 500, Baraboo, WI 53913
• By phone: 1-800-337-4003
ACCEPTANCE OF TERMS.
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 OAC 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 Rosenthall 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 autodialer 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.
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 OAC.
- 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 OAC's website and are going to a website that is not operated by OAC. We are not responsible for the content or availability of linked sites.
You agree to notify OAC immediately of any unauthorized use of your account or any other breach of security. OAC 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 STATUE OF LIMITATIONS ON A DEBT?
A STATUE OF LIMITATIONS IS THE LIMITED PERIOD OF TIME CREDITORS OR DEBT COLLECTORS HAVE TO FILE A LAWSUIT TO RECOVER A DEBT.
Most statues 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 "statues 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 statue 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 OAC's online portal, either directly or via electronically rendered statements, are determined and derived exclusively by the affiliated client, not by OAC. OAC communicates these balances on behalf of the originating client service providers but does not control them. Payments made against these balances via OAC's online portal are conveyed by OAC 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.