Last updated: August 31, 2026
FB Credit Services, LLC (“FBCS,” “we,” “our,” or “us”) is committed to protecting the privacy and security of personal information. This Privacy Policy describes how we collect, use, disclose, retain, and safeguard information obtained through our website and explains our general privacy practices related to the services we provide.
This Privacy Policy applies to information collected through our website and our online interactions with visitors. It also provides general information regarding how FBCS processes personal information in connection with its business operations. This Privacy Policy does not modify any contractual obligations between FBCS and its clients.
Information We Collect
Depending on how you interact with us, we may collect the following categories of information.
Information You Voluntarily Provide
Visitors may voluntarily provide limited contact information through the contact form available on our website or by contacting FBCS by email, telephone, or other communication methods. This information may include a name, company name, email address, telephone number, and information voluntarily included in the communication.
The FBCS website does not provide consumers or customers with direct access to FBCS operational systems for purposes of entering or managing consumer information. Personal information processed by FBCS in connection with services provided to our clients is generally received from our clients or obtained from other authorized sources and is processed by authorized FBCS personnel.
Information Collected Automatically
When you visit our website, certain information may be collected automatically, including:
- IP address
- Browser type and version
- Device type
- Operating system
- Date and time of access
- Pages visited
- Referring website
- Website usage information
- Cookies and similar tracking technologies
Information Processed Through Business Operations
As part of providing services to our law firm and business clients, FBCS may process categories of personal information including:
- Names and aliases
- Mailing addresses
- Telephone numbers
- Email addresses
- Employment-related information
- Property ownership information
- Court and public record information
- Asset or location-related information
- Other information necessary to perform services requested by our clients and permitted by applicable law
FBCS does not determine the purpose for which this information is originally collected by our clients. We process such information only as authorized by our clients and applicable law.
FB Credit Services may engage third-party service providers, subcontractors, data providers, technology providers, and other vendors to assist in providing our services and supporting our business operations. These third parties may process or have access to personal information as necessary to perform services on our behalf. We require third parties that process personal information on our behalf to maintain appropriate confidentiality, privacy, and security protections consistent with the nature of the information processed and applicable contractual and legal requirements.
Information regarding third-party service providers that process personal information on behalf of FB Credit Services may be made available to customers upon reasonable request, subject to applicable confidentiality, security, and proprietary business considerations.
How We Collect Information
We may collect information through:
- Website contact forms
- Email communications
- Telephone conversations
- Communications initiated by visitors
- Cookies and similar technologies
- Web server logs
- Analytics tools
- Our clients
- Public records
- Government agencies
- Commercial information providers
- Third-party vendors that support our business operations
Why We Process Information
We process information for legitimate business purposes, including to:
- Respond to inquiries
- Communicate with prospective clients and business partners
- Provide services to our clients
- Operate and maintain our website
- Improve website performance and user experience
- Protect our systems and information
- Detect, investigate, and prevent fraud or unauthorized activity
- Comply with legal, regulatory, and contractual obligations
- Exercise or defend legal claims
- Support internal business operations
Where applicable, we process personal information pursuant to one or more lawful bases, including performance of contractual obligations, compliance with legal obligations, legitimate business interests, and consent where consent is required by applicable law.
Cookies and Similar Technologies
Our website may use cookies, web beacons, analytics technologies, and similar tools to improve website functionality, understand how visitors use our website, maintain security, and enhance user experience.
Most web browsers allow you to control or disable cookies through your browser settings. Disabling cookies may affect certain website functionality.
Choice and Consent
Providing personal information through our website is generally voluntary.
By voluntarily submitting information through our website, you consent to our use of that information for the purposes described in this Privacy Policy.
Certain processing activities may not require consent where permitted or required by applicable law, including processing necessary to fulfill contractual obligations, comply with legal requirements, or protect legitimate business interests.
How We Use and Share Information
We use personal information only for legitimate business purposes consistent with this Privacy Policy.
We do not sell or rent personal information collected through our website or obtained in connection with providing services to our clients.
We may share information with:
- Cloud service providers
- Website hosting providers
- Information technology providers
- Security service providers
- Professional advisors
- Government agencies or law enforcement where required by law
- Courts or regulatory authorities
- Other parties involved in a merger, acquisition, financing, or sale of business assets
Each service provider is expected to protect personal information appropriately and may process information only as necessary to perform services on our behalf or as otherwise required by law.
Information Processed on Behalf of Clients
As part of the services we provide, FBCS processes personal information on behalf of law firms and other business clients in accordance with applicable laws, contractual obligations, and client instructions.
Such information may be obtained from clients, publicly available records, government records, commercial information providers, or other lawful sources necessary to provide our services.
When processing personal information on behalf of a client, FBCS acts as a service provider (or processor, where applicable). Our clients determine the purposes for which information is processed, while FBCS processes the information solely to perform the services requested by our clients and to comply with applicable legal, regulatory, and contractual requirements.
Individuals seeking to exercise privacy rights regarding information maintained on behalf of one of our clients may be directed to the appropriate client where required or permitted by applicable law. FBCS will cooperate with its clients in responding to lawful requests where appropriate.
Data Retention and Disposal
FBCS retains personal information only for as long as necessary to fulfill the purposes described in this Privacy Policy, satisfy contractual obligations, comply with applicable legal and regulatory requirements, resolve disputes, enforce agreements, and support legitimate business operations.
When personal information is no longer required, it is securely deleted, destroyed, anonymized, or otherwise disposed of in accordance with our internal policies and applicable legal requirements.
Technical and Organizational Safeguards
FBCS maintains administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, alteration, destruction, or misuse.
These safeguards may include:
- Role-based access controls
- Multi-factor authentication where appropriate
- Encryption where appropriate
- Security monitoring and logging
- Vulnerability management
- Employee security awareness training
- Confidentiality obligations
- Vendor risk management
- Incident response procedures
- Business continuity and disaster recovery planning
Although we employ reasonable safeguards, no method of electronic transmission or storage can be guaranteed to be completely secure.
Data Accuracy
We take reasonable steps to maintain accurate information.
Individuals who voluntarily provide personal information should ensure the information submitted is accurate and current.
If you believe information you have provided directly to FBCS is inaccurate, please contact us so we may review and update our records where appropriate.
Your Privacy Rights
Depending upon applicable law, individuals may have certain privacy rights, including the right to:
- Request access to personal information we maintain about them
- Request correction of inaccurate information
- Request deletion of information where permitted by law
- Request information regarding our privacy practices
Certain requests may be limited where FBCS is required to retain information for legal, regulatory, contractual, litigation, security, or other lawful business purposes.
Requests may be submitted using the contact information provided below.
Monitoring and Enforcement
FBCS periodically reviews its privacy and information security practices to help ensure compliance with applicable laws, contractual obligations, and internal policies.
We reserve the right to monitor use of our website, investigate suspected misuse, protect our systems and business interests, comply with lawful requests from courts or governmental authorities, and disclose information where required or permitted by applicable law.
Employees and contractors are expected to comply with FBCS privacy and information security policies. Violations may result in disciplinary action, termination of access, contractual remedies, or other appropriate corrective measures.
Third-Party Websites
Our website may contain links to third-party websites for your convenience.
FBCS is not responsible for the privacy practices, security, or content of third-party websites. We encourage visitors to review the privacy policies of any external websites they visit.
Changes to This Privacy Policy
FBCS reviews this Privacy Policy at least annually and may update it from time to time to reflect changes in our business practices, legal or regulatory requirements, technology, or privacy practices.
When updates are made, the “Last Updated” date at the top of this Privacy Policy will be revised. Where appropriate, FBCS will notify affected customers of material changes to this Privacy Policy and the nature of those changes, including material changes involving the use of personal information for purposes not previously identified.
The current version of this Privacy Policy will remain publicly available on our website.
Contact Us
If you have questions regarding this Privacy Policy or our privacy practices, please contact:
FB Credit Services, LLC
Address: PO Box 7187, Columbia, MO 65205
Phone: 573-447-8062
Email: [email protected]
