Terms of Use

1. Introduction

At Mercantile Adjustment Bureau, LLC (hereafter referred to as “we”, “us”, or “our”), we prioritize your privacy. These Terms and Conditions (this “Agreement”) constitute a binding agreement between us and you when you use any of our services. 

Please note that all communications between us are with a debt collector in an attempt to collect a debt. Any information obtained will be used for that purpose.

We may, at any time, at our sole discretion, revise or otherwise update this Agreement by posting an amended Agreement on the Site; any changes that we make to this Agreement will be effective immediately upon posting. Please check this page periodically for changes to the Agreement; you will be able to determine if this Agreement has been changed since your previous visit by viewing the “Last Updated” information that appears at the top of this Agreement. Your use of the Site following the posting of an updated Agreement constitutes acceptance of the updated Agreement.

Further, we reserve the right, at any time, to modify or discontinue, temporarily or permanently, the Site (or any part thereof) without notice. You agree that we shall not be liable to you or to any third party for any modification, suspension, discontinuance of the Site or of any Materials (as defined below).

If you have any questions about this Agreement or our practices, please reach out to our compliance contact at:

Daniel Frisicaro, Chief Compliance Officer
165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221
[email protected] 

2. Consent and Updates

By accessing and using our website (the “Site”), you agree to the terms outlined in this Agreement.  You also confirm that

  1. You are above the age of 18 and are have the capacity to agree to these Terms;
  1. You agree that you are solely responsible for, and assume all risks associated with, creation, submission, transmission, use, consumption, or any other activity arising out of or related to User Content, including any reliance on its accuracy, completeness or usefulness by others, or any disclosure of your User Content that personally identifies you or any third party, and;
  1. You consent to our use of your personal information as outlined in the Privacy Policy. We may update this Agreement periodically to reflect changes in our practices or for other operational, legal, or regulatory reasons. We encourage you to review this Agreement regularly to stay informed about our information practices and the choices available to you.

3. Information We Collect

We collect various types of personal information to provide and improve our services. Although laid out more fully in our Privacy Policy, the categories of personal data we collect include:

  • Identity Data: Such as your full name and Social Security Number.
  • Contact Data: Including your address, telephone number, and email address.
  • Financial Data: Like account numbers, balance details, and payment information.
  • Technical Data: Including your IP address, browser type and version, and operating system.
  • Usage Data: Such as access dates and times, and website navigation paths.
  • Communication Data: Including SMS or text messaging preferences, and communication preferences.

Again, these categories are explained more fully in our Privacy Policy. Please refer

4. Use of our Services

By using our Services, you agree that you will comply with all applicable laws, rules and regulations in accessing and/or using the Site and/or any Materials. In addition, your use of the Site is conditioned on your compliance with the following rules of conduct. You agree not to

  • Use the Site for any fraudulent or unlawful purpose.
  • Impersonate any person or entity, including, but not limited to, any Site employee, agent or representative; falsely state or otherwise misrepresent your identity or your affiliation with any person or entity; or express or imply that we endorse any statement you make.
  • Interfere with or disrupt the operation of the Site.
  • Transmit or otherwise make available in connection with the Site any virus, worm, Trojan Horse or other harmful code.
  • Restrict or inhibit any other person from using the Site, including by means of hacking or defacing any portion of the Site.
  • Interfere with or violate any other Site visitor’s or user’s right to privacy or other rights, or harvest or collect personally identifiable information about Site visitors or users, or about our attorneys, other employees and representatives identified on the Site, without their express consent.
  • Sell, resell, transfer, license or exploit, for any commercial purposes, any use of or access to the Site or the Materials.
  • Modify, adapt, translate, reverse engineer, decompile or disassemble any portion of the Site or Materials.
  • Frame or mirror all or any part of the Site without our prior express written authorization.

5. Our Legal Rights

You acknowledge and agree that the Site and the Materials are, and shall remain, the property of Mercantile Adjustment Bureau and/or its licensors and are protected by copyright, trademark and/or other proprietary rights and laws. Except as expressly authorized in advance by us, you agree not to copy, distribute, transmit, display, perform or create derivative works of the Site or any of the Materials, provided that, subject to your compliance with this Agreement, Mercantile Adjustment Bureau, LLC grants you a non-transferable, non-exclusive, revocable, limited license to use and access the Site solely for your own personal, noncommercial use.

Trade names, trademarks and service marks of Mercantile Adjustment Bureau include and any associated logos. All trade names, trademarks and service marks on the Site that are not owned by us or our affiliates are the property of their respective owners. The trade names, trademarks and service marks owned by Mercantile Adjustment Bureau or its affiliates, whether registered or unregistered, may not be used in connection with any product or service that is not either ours or one of our affiliate’s product or service or in any other manner that is likely to cause confusion or dilution. Nothing on the Site should be construed as granting, by implication, estoppel or otherwise, any right or license to use any of Mercantile Adjustment Bureau’s (or its affiliates’) trade names, trademarks or service marks without our (or the relevant affiliate’s) prior express written permission.

6. Sharing and Disclosure of Information

We may share your personal information with third parties under the following circumstances:

  • No Sales to Third Parties: We do not sell your personal information to third parties for their use.
  • Business Conduct: We may share personal information with affiliates and service providers to assist in recovering accounts and conducting collection activities.
  • Asset Transfer: In the event of a sale or transfer of assets or any portion of our business, personal information may be transferred to unaffiliated third parties or third parties.
  • Legal and Regulatory Requirements: We may disclose personal information as necessary to satisfy any applicable law, regulation, legal process, or governmental request.

7. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which we collected it, including for the purposes of satisfying any legal, accounting, or reporting requirements. The specific retention period will vary depending on the nature and length of our relationship with you.

8. Security

We prioritize the protection of your information and employ a variety of technical and organizational measures designed to safeguard your personal information from unauthorized access, use, or disclosure. Despite these measures, we cannot guarantee the security of information transmitted over the internet or that unauthorized persons will not obtain access to your personal information.

9. Your Rights

You may have certain rights under applicable data protection laws, including the right to access, correct, update, or request deletion of your personal information. We will respond to your request within a reasonable timeframe in accordance with applicable laws.

10. Changes to this Policy

We reserve the right to modify this Agreement at any time. We will notify you of any significant changes by posting a notice on our website or by other appropriate means.

11. Contact Us

If you have any questions or concerns regarding this Privacy Policy, or if you wish to exercise any of your rights, please contact us:

Daniel Frisicaro, Chief Compliance Officer 165 Lawrence Bell Drive, Suite 100, Williamsville, NY 14221 1-800-480-7094 [email protected]