Effective Date: January 1, 2026

This document governs your access to and use of the Western Mercantile Agency, Inc. (“WMA,” “we,” “our,” or “us”) consumer portal (the “Portal”) and explains how we collect, use, disclose, and protect personal information.

By accessing or using this Portal, you agree to the terms outlined below.

1. Acceptance of Terms

By accessing or using the Portal, you acknowledge and agree to be bound by these Terms, including the Privacy and Communication Disclosures contained herein.

If you do not agree, you may not access or use the Portal.

2. Portal Access and Eligibility

The Portal is intended solely for individuals with an account placed with Western Mercantile Agency, Inc., or authorized users.

Unauthorized access or misuse of the Portal is strictly prohibited.

Use of this Portal does not create any new contractual obligation beyond the underlying account.

3. User Responsibilities

By using the Portal, you agree to:

·         Use the Portal only for lawful purposes

·         Provide accurate and current information

·         Maintain the confidentiality of your login credentials

·         Refrain from interfering with Portal security

·         Refrain from uploading unlawful or harmful content

·         Notify WMA promptly of suspected unauthorized access

You are responsible for all activity conducted through your account.

4. Electronic Communications & E-SIGN Consent

By providing your email address or telephone number and using the Portal, you consent to receive communications electronically, including legally required notices and disclosures.

Electronic communications may be delivered via:

·         Email

·         Portal notifications

·         SMS/text message (where applicable)

·         Other lawful electronic means

These communications satisfy any legal requirement that such information be provided in writing.

Paper Copies

You may request a paper copy of any electronic communication at no charge by contacting us.

Withdrawal of Consent

You may withdraw your consent at any time. Withdrawal may limit Portal functionality.

Hardware & Software Requirements

Access requires an internet-enabled device, a current web browser, and the ability to download or print documents.

5. Automated Communications & AI Disclosure

By providing contact information, you authorize WMA to communicate with you using lawful methods, including:

·         Automated dialing systems

·         Prerecorded or artificial voice messages

·         SMS/text messaging

·         Email communications

·         AI-assisted chat or messaging tools

These communications may relate to account status, payment reminders, or settlement options.

Consent to automated communications is not a condition of payment or resolution.

You may opt out of text communications by replying “STOP” or by contacting us directly.

Certain Portal interactions may utilize automated or AI-assisted systems. These systems are not live agents. You may request to speak with a live representative at any time.

6. Personal Information We Collect

We may collect the following categories of personal information:

Identifiers

Name, address, telephone number, email address, account number, and Social Security number (as permitted by law).

Financial Information

Account balances, payment history, and payment information are processed through secure third-party vendors.

Internet Activity Information

IP address, browser type, device identifiers, and Portal usage data.

Account and Commercial Information

Records of communications and transactions related to accounts placed for collection.

Audio Information

Call recordings where permitted by law.

We collect information from creditors, consumers, website interactions, and service providers acting on our behalf.

7. How We Use Personal Information

We use personal information to:

·         Verify identity

·         Service and manage accounts

·         Process payments

·         Communicate regarding account matters

·         Respond to disputes or inquiries

·         Comply with legal obligations

·         Prevent fraud and maintain system security

·         Improve Portal functionality

8. Disclosure of Personal Information

We may disclose personal information, as permitted by law, to:

·         Clients (creditors)

·         Payment processors

·         Technology and hosting providers

·         Communication vendors

·         Legal or regulatory authorities

·         Auditors and compliance professionals

Service providers are contractually required to safeguard personal information.

9. Sale or Sharing of Personal Information

Western Mercantile Agency, Inc.:

·         Does not sell personal information

·         Does not share personal information for cross-context behavioral advertising under California law

·         Does not use personal information for targeted advertising

10. Cookies and Tracking Technologies

The Portal uses cookies and similar technologies to:

·         Support authentication and security

·         Maintain session integrity

·         Analyze aggregated Portal usage

·         Support functional features

We use essential, performance, and functional cookies.

We do not use cookies for targeted advertising.

You can manage cookies in your browser settings; disabling them may limit functionality.

For additional information regarding personal data processing and consumer rights, refer to Section 11 of this Notice.

11. State Privacy Rights (California & Oregon)

Residents of certain states, including California and Oregon, may have rights under applicable law, subject to certain exemptions. These rights may include:

·         Access to personal information

·         Correction of inaccurate personal information

·         Deletion of personal information (where applicable)

·         Data portability

·         Opt-out of certain processing activities

Certain information may be exempt from specific state privacy rights where required by applicable law.

To submit a privacy-related request, please contact us using the information below.

We may require verification of your identity before processing certain requests.

12. Washington Consumer Health Data

WMA does not knowingly collect consumer health data as defined under Washington law through this Portal.

13. Data Security and Retention

We implement administrative, technical, and physical safeguards designed to protect personal information.

Personal information is retained only as long as necessary to fulfill legal, regulatory, and operational obligations.

14. Limitation of Liability

To the fullest extent permitted by law, WMA shall not be liable for indirect, incidental, special, or consequential damages arising from use of the Portal.

Nothing in this section limits rights that may not be waived under applicable consumer protection laws.

15. Governing Law

These Terms are governed by the laws of the State of Oregon, without regard to conflict of law principles.

Any dispute arising from or relating to the Portal shall be resolved in a court of competent jurisdiction located in Oregon.

16. Payment Posting Policy

Payments are applied on a First-In, First-Out (FIFO) basis unless otherwise designated by you and confirmed by WMA.

To designate a payment to a specific account, contact our office prior to or immediately after submitting payment.

17. Updates

We may revise this document periodically. Updates will be posted with a revised effective date.

18. Contact Information

Western Mercantile Agency, Inc.
165 S 5th Street, Suite A
Coos Bay, OR 97420

Phone: 1-800-526-3057
Email: privacy@westernmerc.com