Beacon Account Services

Privacy Policy

Last updated: October 2026

As your privacy is very important to us, this policy discusses Beacon Account Services, Inc. ("Beacon," "we," "us," or "our") privacy practices with respect to guarding the confidentiality and security of your personal information.

Beacon is a debt collector. We collect certain accounts on behalf of credit grantors and other creditors. This is an attempt to collect a debt, and any information obtained will be used for that purpose.

If we decide to change this privacy policy, we will make revisions to this document and, if necessary, to our Privacy Notice (below). In some cases, especially if required by applicable law, we will notify you about these changes. We reserve the right to modify this privacy policy at any time, so please review it frequently so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it.

What information does Beacon collect?

We collect personal information about you in connection with servicing, collecting, and resolving consumer accounts placed with us by creditors. This information includes your name, address, email address, state of residence, phone number, Social Security number, information about the account balance and payment history, your IP address, recordings of your calls with us, and your interactions with our website.

When a creditor places an account with us, we receive personal information about you from that creditor, including your name, contact information, Social Security number, date of birth, account and payment history, and the amount and nature of the debt. We may also receive personal information about you from other sources, such as consumer reporting agencies, skip-tracing and locator services, data brokers, courts and public records, and your employer (for example, in connection with wage garnishment where permitted by law).

As part of resolving your account, we may also collect additional documents and information from you, such as proof of identity, proof of payment, financial hardship documentation, or bankruptcy filings. If your personal information changes, or if you have questions about the personal information we maintain about you, you may contact us using the information at the end of this privacy policy to correct, update, or request deletion of your personal information, in accordance with applicable law.

We also may collect information that is not personally identifiable. Our website automatically collects clickstream information about your visit, including the address of the website from which you originated before visiting our website, the pages you visit, and information about the browser and device you use.

How does Beacon use the information it collects?

We do not disclose any information that we collect to any other person or entity except as permitted by law and indicated in this privacy policy and/or our Privacy Notice provided or made available to you.

The personal information we collect is used to verify, service, and collect the account placed with us, including to locate you, confirm your identity, communicate with you about the account, confirm payments made to the creditor, negotiate and document repayment arrangements, and, where appropriate, refer or return the account to the original creditor, a subsequent debt owner, or an attorney or collection litigation partner. We may also use your information to comply with applicable law, respond to disputes you raise about the debt, and report account activity and disputes back to the creditor or debt owner.

Cookies

Our website does not currently use cookies.

Our website does not track you across other websites, so it does not respond to Do Not Track signals.

Does Beacon share information with third parties?

At Beacon, we understand the importance of protecting your personal information and maintaining your trust. We may share your personal information in the following circumstances:

Sharing with the original creditor or current debt owner. We share account and payment information with the creditor that placed the account with us, or the current owner of the debt, as needed to service and resolve the account.

Sharing with service providers and vendors. We may share your personal information with trusted third-party service providers who assist us in servicing and collecting accounts ("Service Providers"). Examples include:

  • Skip-tracing, locator, and identity-verification vendors.
  • Dialing, messaging, and correspondence vendors that help us communicate with you.
  • Attorneys and litigation support vendors, where permitted by law.

These entities are contractually obligated to maintain the confidentiality and security of your information and are prohibited from using it for any purpose other than the specific services they provide to us.

Sharing for legal and regulatory purposes. We may disclose your personal information if required to do so by law or in response to valid requests from public authorities, such as court orders, subpoenas, or governmental audits or investigations. We will only disclose the minimum information necessary to comply with such legal obligations.

Other potential sharing scenarios.

  • Corporate Transactions: If an account, portfolio, or our business is sold, merged, or transferred, we may share your personal information with the involved parties, including a subsequent debt owner or collector.
  • With Your Consent: We may share your personal information with third parties if we have obtained your explicit consent to do so for specific purposes.
  • Protection of Rights and Safety: We may disclose your personal information if we believe it is necessary to protect our rights, property, or safety, or the rights, property, or safety of others.
  • As necessary, we may share non-personal information with trusted third-party service providers, such as the companies that manage or host our website, to perform services on our behalf.

We do not sell, rent, or trade your personal information to third parties for their own marketing purposes.

Text messaging. We will not share your mobile phone number or your text message consent with third parties or affiliates for marketing or promotional purposes, and we do not sell this information. We may share it with service providers that help us send and support our messages, and as described elsewhere in this policy to service your account or as required by law.

Does Beacon have safeguards in place to protect my personal information?

We restrict access to your personal information to those employees who need to know that information to service your account or respond to your inquiries. We also maintain physical, electronic, and procedural safeguards that comply with federal requirements to guard your personal information. All employees are trained on information security expectations to ensure the confidentiality and proper handling of data and the systems protecting it.

Please be aware that 100% security is not achievable, and despite our best efforts, we cannot anticipate every possible threat to personal information. By using our website, you acknowledge that such use is not risk-free.

California Privacy Notice

This PRIVACY NOTICE FOR CALIFORNIA RESIDENTS supplements the information contained in this privacy policy of Beacon (also referred to herein as "business") and applies solely to visitors, users, households, and others who reside in the State of California ("consumers" or "you"). We adopt this notice to comply with the California Consumer Privacy Act, as amended ("CCPA"), and other California privacy laws. Any terms defined in the CCPA have the same meaning when used in this notice.

Information We Collect

We collect information that identifies, relates to, describes, references, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or device ("personal information"). In some cases we also collect "sensitive personal information," which includes:

  • Any personal information that divulges any of the following:
    • A consumer's Social Security, driver's license, state identification card, or passport number.
    • A consumer's account log-in, financial account, debit card, or credit card number in combination with any required security or access code, password, or credentials allowing access to an account.
    • A consumer's precise geolocation.
    • A consumer's racial or ethnic origin, religious or philosophical beliefs, or union membership.
    • The contents of a consumer's mail, email, and text messages, unless we are the intended recipient of the communication.
    • A consumer's genetic data.
  • The processing of biometric information for the purpose of uniquely identifying a consumer.
  • Personal information collected and analyzed concerning a consumer's health.
  • Personal information collected and analyzed concerning a consumer's sex life or sexual orientation.

The chart below depicts the categories of personal information and sensitive personal information relating to consumers that we have collected within the last twelve (12) months:

Category Examples Collected
A. Identifiers. A real name, alias, postal address, unique personal identifier, online identifier, IP address, email address, account name, Social Security number, driver's license number, or passport number. Yes
B. Personal information categories listed in the California Customer Records statute (Cal. Civ. Code § 1798.80(e)). A name, signature, Social Security number, physical description, address, telephone number, insurance policy number, employment, employment history, bank account number, credit or debit card number, or other financial information. Yes
C. Protected classification characteristics under California or federal law. Age, marital status, medical condition or disability, and veteran or military status, to the extent they are in your account file or you tell us. Yes
D. Commercial information. Records of the account(s) placed with us, payment history, and other transaction history. Yes
E. Biometric information. Fingerprints, voiceprints, or other physical patterns used to extract an identifier. No
F. Internet or other similar network activity. Browsing history, search history, and interaction with our website. Yes
G. Geolocation data. Physical location, used for skip-tracing and identity verification. Yes
H. Sensory data. Audio, such as recorded telephone calls. Yes
I. Professional or employment-related information. Current or past employer, used to verify identity or, where lawful, process wage garnishment. Yes
J. Non-public education information. Education records. No
K. Inferences drawn from other personal information. A profile reflecting a consumer's likely ability or willingness to pay. No
L. Sensitive Personal Information Social Security number, driver's license or state ID number, and health information you provide to us. Yes

Personal information and sensitive personal information do not include publicly available information from government records, or de-identified or aggregated consumer information.

Note that personal information we collect may not be subject to your rights under the CCPA because it is covered by industry-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA), the Fair Debt Collection Practices Act (FDCPA), and the Driver's Privacy Protection Act of 1994.

Sources of Personal Information

We obtain the categories of personal information listed above from the following sources:

  • Directly from you. For example, when you call us, tell us about a payment you made, or submit documents to resolve your account.
  • Directly from the creditor that placed the account with us.
  • Directly and indirectly from activity on our website.
  • From third parties, such as consumer reporting agencies ("CRAs"), skip-tracing and identity-verification vendors, and courts and public records.
  • Information that is publicly available online or elsewhere.

Use of Personal Information

We may use or disclose the personal information we collect for one or more of the following business or commercial purposes:

  • To verify your identity and locate you in connection with an account placed with us.
  • To service, collect, and resolve the account, including recording payments reported by the creditor and documenting repayment arrangements.
  • To carry out our obligations and enforce our rights arising from the account, including for billing, collections, and, where appropriate, litigation.
  • To respond to disputes or requests for validation of the debt.
  • To improve our website, and for testing, research, analysis, and product development.
  • To conduct audit, compliance, or other legal work associated with our business.
  • To perform financial reporting, accounting, and general business administration.
  • To assess third-party vendors and service providers.
  • As necessary to protect the rights, property, or safety of us, our clients, or others.
  • To respond to law enforcement requests and as required by applicable law, court order, or governmental regulation.
  • To evaluate or conduct a sale or transfer of an account, portfolio, or our business, including in bankruptcy, liquidation, or a similar proceeding.

Disclosing Personal Information

We may disclose your personal information to a third party for a business purpose. When we do, we enter a contract that describes the purpose and requires the recipient to keep that personal information confidential and not use it for any purpose except performing the contract.

In the preceding twelve (12) months, we have disclosed the following categories of personal information for a business purpose: Identifiers; California Customer Records categories; Commercial information; Sensory data; and Professional or employment-related information.

We disclose your personal information for a business purpose to the following categories of third parties: the creditor or current owner of your account; service providers and vendors that support servicing and collection; attorneys and litigation support vendors; and third parties to whom you or your agent authorize us to disclose your personal information.

Use and Disclosure of Sensitive Personal Information

We only use and disclose your sensitive personal information for limited business purposes, including to help ensure the security and integrity of your personal information, to verify your identity and to service your account.

Retention of Personal Information

The period for which we retain your personal information is based on the nature of our relationship with you and the specific personal information we have obtained. For example, we generally retain account records for 7 years from the date the account is closed, resolved, or returned to the creditor or subsequent owner, and longer if you file for bankruptcy or a legal action is filed. We will only retain your personal information for as long as legally required and/or reasonably necessary and proportionate to the purposes for which it was collected.

Your Privacy Rights

If you are a California resident, subject to applicable law, you have the following rights with respect to your personal information, to the extent it is not already subject to federal law (such as the FCRA or FDCPA) and the privacy and security measures required under that law:

  • Right to Know. You have the right to request what personal information we collect, use, and disclose.
  • Right to Correct. You have the right to request that we correct inaccurate personal information we maintain about you.
  • Right to Delete. You have the right to request deletion of your personal information, subject to our right and obligation to retain records related to debt collection and legal compliance.
  • Right to Opt-Out of Sale and Sharing. We have not sold or shared your personal information in the preceding 12 months, nor do we sell, share, or intend to sell or share personal information. We do not knowingly collect, sell, or share the personal information of minors.
  • Right to Limit Use and Disclosure of Sensitive Personal Information. We do not use or disclose your sensitive personal information except as permitted by applicable law.
  • Right to Data Portability. You have the right to request a portable copy of your data.
  • Right to Non-Discrimination. You have the right not to receive discriminatory treatment for exercising the privacy rights described above.

You may authorize an agent to exercise these rights on your behalf. To do so, the agent must provide written proof of your authorization, and we may still require you to verify your own identity directly with us. These rights are subject to our being able to reasonably verify your identity and are subject to exclusions and exceptions under applicable law, including information we maintain for debt-collection, litigation, or regulatory purposes.

If you are a California resident and wish to exercise these rights, please contact us:

Contact Us

If you have questions or concerns about this privacy policy, please contact us:

If you have technical difficulty using our website, please contact us at help@beaconacctservices.com.

Privacy Notice

Last updated: October 2026

Facts What does Beacon Account Services do with your personal information?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the account you have with us. This information can include: Social Security number and income; Account balances and payment history.
How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Beacon Account Services chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does Beacon share? Can you limit this sharing?
For our everyday business purposes — such as to process your account, respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes — to offer our products and services to you No We don't share
For joint marketing with other financial companies No We don't share
For our affiliates' everyday business purposes — information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes — information about your creditworthiness No We don't share
For our affiliates to market to you No We don't share
For nonaffiliates to market to you No We don't share
Questions? Call (888) 702-2785 or go to beaconacctservices.com

Who we are

Who is providing this notice? Beacon Account Services, Inc.

What we do

How does Beacon Account Services protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Beacon Account Services collect my personal information? We collect your personal information, for example, when you: discuss payment options with us; tell us about a payment you made; give us your contact information or verify your identity; or provide employment information. We also collect your personal information from others, such as the creditor that placed your account with us, credit bureaus, or other companies.
Why can't I limit all sharing? Federal law gives you the right to limit only: sharing for affiliates' everyday business purposes — information about your creditworthiness; affiliates using your information to market to you; and sharing for nonaffiliates to market to you. State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions

Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Beacon Account Services has no affiliates.
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include the creditors that place accounts with us and service providers.
Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. We do not currently engage in joint marketing.

Other Important Information

State laws may also provide you with specific privacy protections. Please note the circumstances below that may apply to you. We will comply with applicable state laws with respect to our use of your information.

California Residents: We do not sell personal information under California law. We will not share your non-public information with nonaffiliates for their marketing purposes except with your express consent or as otherwise authorized by California law. To make a request under California privacy law, you may email us at privacy@beaconacctservices.com or call (888) 702-2785.

Vermont Residents: We will not share information we collect about you with nonaffiliated third parties, except as permitted by Vermont law, such as to process your account. We will not share information about your creditworthiness with our affiliates except with your authorization or as required or permitted by law.

Nevada Residents: We provide you this notice under Nevada state law. You may be placed on our internal Do-Not-Call List by calling us at (888) 702-2785 or sending a message to privacy@beaconacctservices.com.

Beacon Account Services, Inc.
Attn: Compliance Department
PO Box 62
Chicago, IL 60690

Nevada law also requires us to provide you the following to obtain additional information:

Office of the Attorney General
100 North Carson Street
Carson City, NV 89701
Telephone: (775) 684-1100

Alaska, Illinois, Maryland, and North Dakota Residents: We will not share personal information with nonaffiliates either for them to market to you or for joint marketing without your authorization.

Massachusetts, Mississippi, and New Jersey Residents: We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing without your authorization.

Montana Residents: We will not disclose your name or any personal information to anyone other than your own creditors, or our agents, affiliates, or contractors.

Texas Residents: For questions or complaints, contact Beacon Account Services, Inc. at (888) 702-2785, at PO Box 62, Chicago, IL 60690, or by email at privacy@beaconacctservices.com.

Telephone Communications: All telephone communications with us or our authorized agents may be monitored and recorded, and calls or texts to your wireless number may be made using an automatic telephone dialing system, subject to applicable law and your consent choices. This communication is from a debt collector, and any information obtained will be used for that purpose.

Contact Us

If you have questions about this Privacy Policy and Privacy Notice: