Commercial Collectors, Inc.
PO Box 81
Princeton, MN 55371-0081
Phone: 800-328-0793
Effective Date: May 11, 2026
Welcome to our Site. The use of this Site is subject to the following Privacy Policy and the Terms and Conditions at https://commercialcollectors.com/terms-and-conditions/
CAREFULLY READ THE FOLLOWING PRIVACY POLICY. THEY CONTAIN VERY IMPORTANT INFORMATION ABOUT YOUR RIGHTS AND OBLIGATIONS, AS WELL AS LIMITATIONS AND EXCLUSIONS THAT MAY APPLY TO YOU. THIS DOCUMENT CONTAINS A DISPUTE RESOLUTION CLAUSE.
By using the Site or providing information to us, you acknowledge that you have read and understood this Privacy Policy.
1. Scope
Commercial Collectors, Inc (“Company,” “we,” “our,” or “us”) is a debt collection agency licensed to do business in the State of Minnesota. This Privacy Policy (“Policy”) describes how we collect, use, disclose, and protect the information of businesses” or “you”) who visit our website located at www.commercialcollectors.com (URL) (“Site”) or who otherwise interact with us in connection with our debt collection activities. This Policy is intended to comply with applicable federal and state privacy laws, including, as may be applicable, the federal Fair Debt Collection Practices Act (“FDCPA”), 15 U.S.C. § 1692 et seq.; the Gramm-Leach-Bliley Act (“GLBA”), 15 U.S.C. § 6801 et seq.; the Minnesota Government Data Practices Act, Minn. Stat. Ch. 13 (to the extent applicable); the Minnesota Consumer Data Privacy Act (“MCDPA”), Minn. Stat. Ch. 325M (Consumer Digital and Data Privacy) (as applicable); and any other applicable state or federal privacy regulations. As a collector of non-consumer, commercial debts, Company may not be subject to some of these laws and regulations.
2. Information We Collect
A. Information You Provide Directly
We may collect the following categories of information when you voluntarily provide it to us through the Site or in connection with our debt collection services:
- Contact information: name, address, telephone number, email address;
- Financial information: bank account details, payment card information, employment information, and income information provided in connection with debt resolution; financial status of your business;
- Account information: account numbers, amounts owed, and payment history related to debts we are collecting,
- Communications: messages, texts, correspondence, and records of calls or interactions with you and our staff.
B. Consent to Communications
Unless prohibited by applicable law, by providing the above information, you consent to communications from us via text message, telephone, mail, and other methods and technologies.
C. Information Collected Automatically
When you visit our Site, we may automatically collect certain technical information, including:
- Internet Protocol (IP) address and general geographic location;
- Browser type, version, and operating system;
- Pages visited, time spent on pages, and referring URLs;
- Device identifiers and session identifiers;
- Cookies and similar tracking technologies.
D. Information from Third Parties
In the course of our debt collection activities, we may receive information from third parties, including:
- Original creditors who place accounts with us for collection;
- Debt reporting agencies and credit bureaus;
- Skip-tracing services used to locate business;
- Public records sources, including court filings and property records.
3. How We Use Your Information
We use the information we collect for the following purposes:
- To identify you and verify your identity in connection with a debt using any of the information you provided, including address, telephone number, and email address;
- To contact you regarding amounts owed including address, telephone number, and email address;
- To process payments and maintain payment records;
- To comply with our legal obligations, including reporting to credit bureaus as permitted by law;
- To respond to your inquiries, disputes, or requests;
- To detect, prevent, and investigate fraud or other illegal activity;
- To operate, maintain, and improve our Site;
- To comply with court orders, subpoenas, or other legal process;
- For internal recordkeeping and auditing purposes;
- To enforce our rights and the rights of our clients.
We do not use your information for marketing or advertising purposes unrelated to our debt collection activities without your consent.
4. Compliance with the FDCPA and Minnesota Law
As a debt collector, our collection of and use of information is governed by the restrictions and requirements applicable. We use information only as permitted or required by applicable law. Under the FDCPA, if applicable, you have the right to:
- Request verification of the debt within 30 days of our initial communication (15 U.S.C. § 1692g)
- Dispute the debt, after which we must cease collection efforts until we provide verification
- Request that we cease further communication, subject to limited exceptions (15 U.S.C. § 1692c(c))
- Receive our required disclosures, including identification as a debt collector
We are licensed by the Minnesota Department of Commerce as required by Minnesota law.
5. Disclosure of Your Information
We do not sell your information. We may disclose your information to the following categories of third parties in the following circumstances:
A. Service Providers
We may share information with vendors and service providers who assist us in operating our business, including payment processors, cloud storage providers, IT support, and legal counsel. These parties are contractually obligated to use your information only as directed by us and in compliance with applicable law.
B. Original Creditors and Clients
We may share account information, payment history, and communications with the creditors on whose behalf we are collecting a debt, as necessary to service the account.
C. Credit Reporting Agencies
We may report account status, payment history, and related information to debt reporting agencies as permitted by law.
D. Legal and Regulatory Disclosure
We may disclose information as required by law, including in response to a subpoena, court order, or governmental inquiry; to comply with regulatory obligations; to protect the rights, property, or safety of our company, our clients, or others; or as part of a legal proceeding.
E. Business Transfers
In the event of a merger, acquisition, bankruptcy, or sale of all or substantially all of our assets, your information may be transferred to the acquiring entity, subject to applicable law. We do not disclose your information to unaffiliated third parties for their own marketing purposes.
6. Financial Privacy – Gramm-Leach-Bliley Act
We may be required to provide you with notice of our privacy practices regarding nonpublic information (“NPI”). We collect, use, and share NPI as described in this Policy and as permitted by law. We limit the sharing of NPI with nonaffiliated third parties to those exceptions permitted under the law, including processing transactions at your request and as permitted by law. You may have the right to opt out of certain sharing of your NPI with nonaffiliated third parties for their marketing purposes; however, we do not engage in such sharing as a general practice.
7. Cookies and Tracking Technologies
Our Site uses cookies and similar tracking technologies to improve functionality and analyze Site usage. Cookies are small data files placed on your device. We may use the following types:
- Essential cookies: required for the Site to function;
- Analytics cookies: help us understand how visitors use our Site (e.g., Google Analytics);
- Preference cookies: remember your settings and preferences
You may disable cookies through your browser settings; however, doing so may affect certain features of the Site. We do not use cookies to collect sensitive financial information. We do not currently respond to “Do Not Track” signals from browsers, but we will update this Policy if that changes.
8. Data Security
We implement reasonable administrative, technical, and physical safeguards designed to protect information from unauthorized access, use, disclosure, alteration, or destruction. These measures include:
- Encryption of sensitive data in transit using Secure Socket Layer (SSL) / Transport Layer Security (TLS) technology;
- Access controls limiting employee access to information on a need-to-know basis;
- Employee training on data privacy and security requirements;
- Review and testing of our security procedures.
No data transmission or storage system is completely secure. In the event of a data breach affecting your information, we or our third-party payment processors and/or technology companies that we engage for such purposes, will provide notice as required by the Minnesota Data Breach Notification Act, Minn. Stat. § 325E.61, and applicable federal law.
9. Data Retention
We retain information for as long as necessary to fulfill the purposes described in this Policy, to comply with our legal obligations, to resolve disputes, and to enforce our agreements. Debt collection account records are typically retained, in accordance with applicable statutes of limitations and regulatory requirements. Financial records may be retained longer as required by law. When information is no longer needed, we may dispose of it in a manner that protects against unauthorized access, consistent with the FTC’s Disposal Rule and Minnesota law.
10. Your Rights
You have the rights provided by applicable law as they relate to the type of debt being collected.
C. How to Exercise Your Rights
To exercise any of the rights described in this Section, please contact us at:
Commercial Collectors, Inc.
PO Box 81
Princeton, MN 55371-0081
Phone: 800-328-0793
We will respond to verifiable requests within 30 days, or as otherwise required by applicable law. We may need to verify your identity before fulfilling your request.
11. Third-Party Links
Our Site may contain links to third-party websites. We are not responsible for the privacy practices of those websites and encourage you to review their privacy policies. This Privacy Policy applies only to information collected by us through our Site and in connection with our services.
12. Children’s Privacy
Our Site is not directed to children under the age of 13, and we do not knowingly collect information from children under 13. If we learn that we have inadvertently collected information from a child under 13, we will take prompt steps to delete such information. If you believe we may have collected information from a child under 13, please contact us at the address in Section 10(C).
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons. We will post any revised Policy on this page. Your continued use of the Site following the posting of changes constitutes your acceptance of those changes.
14. Contact Us and Complaints
If you have questions or concerns about this Privacy Policy or our data practices, please contact:
Commercial Collectors, Inc.
PO Box 81
Princeton, MN 55371-0081
800-328-0793
If you are a Minnesota resident and believe we have violated your privacy rights or engaged in unlawful collection practices, you may also file a complaint with:
Minnesota Department of Commerce
85 7th Place East, Suite 280
St. Paul, MN 55101
(651) 539-1500
Federal complaints may be filed with the Federal Trade Commission (FTC) at ftc.gov.
END OF THIS PRIVACY POLICY