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Terms and Conditions:

If we need to contact you to service your account or to collect amounts you owe, you authorize us (and our affiliates, agents and contractors) to contact you at any number you provide, from which you call us, or at which we believe we can reach you. We may contact you in any way, such as calling or texting. We may contact you using an automated dialer or prerecorded messages. We may contact you on a mobile, wireless or similar device, even if you are charged for it.

Privacy:

FMS respects the privacy of its customers, as well as the privacy of visitors and users of its websites. This Privacy Policy applies solely to information collected by this web site. This Privacy Policy (“Privacy Policy”) is intended to inform you of our policies and practices regarding the collection, use, and disclosure of any personal information we obtain about you based upon your use of our website. “Personal Information” is information about you that is personally identifiable to you. PLEASE CAREFULLY READ THIS STATEMENT BEFORE USING THE SITE, AS IT AFFECTS YOUR LEGAL RIGHTS AND OBLIGATIONS. This Statement does not apply to any other web sites or any offline activities by FMS.

The Gramm-Leach Bliley Act (GLBA) and the Health Insurance Portability and Accountability Act (HIPAA) require that consumer/medical information is protected from unauthorized access and/or disclosure. FMS Inc. will maintain adequate safeguards to prevent the improper use or with all privacy and security policies of our clients and will use our best efforts to maintain the integrity as well as the confidentiality of electronically transmitted/accessed information.

Information Collection
In general, you may visit the Site without telling us who you are or revealing any personally identifiable information about you. We do collect Personal Information that you submit to us voluntarily by the forms on this site. We may gather such information, for example, when you use the Site to make a payment or request information. The Personal Information we collect includes, but is not limited to, the following: name, mailing address, telephone number, e-mail address.

How Long We Keep Your Information
FMS will retain your personal data for seven years, or as otherwise required by law. FMS thereafter deletes or anonymizes such information in accordance with applicable laws.

Information Use and Sharing
We do not sell your Personal Information to third parties. We do not share personal information with affiliates or third parties for the affiliates’ or third parties’ direct marketing purposes. We may share your information with clients that maintain ownership of your deficiency account(s). We will use your information to respond to you, regarding the reason you contacted us. In order to provide services for you, we may engage trusted Service Providers to assist us, and in connection with such assistance, we may provide them with Personal Information that you have provided that is necessary for them to assist us. We use third parties to process online Web or IVR payments you make to us. These Service Providers are not authorized by us to use or disclose the information except as necessary to perform services on our behalf or comply with legal requirements.

We may disclose your Personal Information if we believe in good faith that such disclosure is necessary to (a) comply with relevant laws or to respond to subpoenas or warrants served on FMS; or (b) to protect and defend the rights or property of FMS or users of our websites.

We reserve the right to transfer any information we have about you if all or part of FMS. or all or part of its assets are acquired by, merged with, sold to, or otherwise disposed of to one or more third parties (including, without limitation, in the event of bankruptcy).

We also may use third-party website analytics tools that collect information about visitor traffic on our sites and mobile applications.

Links to Other Sites
Our provision of a link to any other website or location is for your convenience. Please be aware that the terms of our Privacy Policy do not apply to these outside websites. We encourage our users to be aware when they leave our site to read the privacy statements of any other site that collects personally identifiable information.

Security
Access to nonpublic personal information about you is restricted to those employees and clients who have a need to know such information (e.g. to process your transactions or provide services to you). FMS uses a variety of security technologies and procedures to help protect your personal information from unauthorized access, use or disclosure.

Maintaining Accurate Information
We have procedures in place that help us to maintain the accuracy of the personally identifiable information we collect. If you believe that our information about you is not accurate, please contact FMS.