Last Updated/Reviewed: January 1, 2026
This Privacy Policy describes how Midwest Service Bureau, LLC and our related companies (“MSB,” “we,” “us,” or “our”) collect, use, disclose, and protect personal information in connection with:
Accounts placed with us for collection; and
Your use of our websites, web applications, and online services that link to this Privacy Policy (collectively, the “Site”).
This Policy is intended for individuals located in the United States. Our Site and services are not directed to residents of the European Economic Area, United Kingdom, or Switzerland.
By accessing or using the Site, you agree to this Privacy Policy and our Terms of Use. We may update this Privacy Policy from time to time. The “Last Updated” date above indicates when it was most recently revised. Your continued use of the Site after any changes means you accept the updated Policy.
We collect different types of personal information depending on how you interact with us.
When a creditor or their agent places an account with us for collection, they may provide information about you, including but not limited to:
Full name and any aliases
Social Security number (SSN) or portions of SSN
Mailing address(es) and prior addresses
Phone numbers and email addresses
Account numbers and reference numbers
Original creditor and current creditor
Balance, charges, interest, fees, payment history, and status
Insurance information and claim status (for certain healthcare accounts)
Other information the creditor believes is relevant to servicing or collecting the account.
We may collect any information you provide directly to us, including when you:
Call our office or speak with our representatives
Send us an email, text/SMS, fax, or mail
Use our web applications or online forms (for example, when you:
Make or schedule a payment
Update contact information or insurance information
Request documentation or assistance
Create a payment plan or set up autopay through our online portals.
This information may include:
Contact details (address, phone, email)
Account numbers and identifiers
Payment card or bank account information (for payments you authorize)
Privacy Policy
1. Categories of Personal Information We Collect
A. Information Related to Accounts Placed With MSB
B. Information You Provide Directly
C. Information Collected Automatically From the Site
D. Information From RB2B and Other Visitor Identification / Marketing Partners
E. Information From Other Third Parties
2. How We Use Personal Information
A. Debt Collection and Account Servicing
B. Compliance With Law and Risk Management
C. Operating, Improving, and Securing the Site
D. Marketing, Lead Generation, and Advertising (Website Visitors Only)
3. Sources of Personal Information
4. Cookies, Online Tracking & Advertising
4.1 Cookies and Similar Technologies
5. California Consumer Privacy Act (CCPA/CPRA) Rights
If you are a California resident, the California Consumer Privacy Act (CCPA), as amended by the California Privacy Rights Act (CPRA), provides you with specific rights regarding your personal information. MSB is committed to honoring these rights to the extent they apply to our collection activities and website operations.
Your Rights Under the CCPA/CPRA
Right to Know: You have the right to request that MSB disclose the categories and specific pieces of personal information we have collected about you, the categories of sources from which the information was collected, the business or commercial purpose for collecting the information, and the categories of third parties with whom we share the information. You may submit a verifiable consumer request up to twice within a 12-month period.
Right to Delete: You have the right to request that MSB delete personal information we have collected from you, subject to certain exceptions. Please note that we may not be able to delete information required for debt collection activities authorized by our clients, information necessary to comply with legal obligations, or information needed to exercise or defend legal claims.
Right to Correct: You have the right to request that MSB correct inaccurate personal information that we maintain about you. If you believe information in our records is incorrect, please contact us with the specific information you believe to be inaccurate and the correct information.
Right to Opt Out of Sale or Sharing: MSB does not sell personal information collected through our debt collection activities. For information collected through our website for marketing purposes, you may opt out of the sharing of your personal information with third parties for cross-context behavioral advertising by contacting us at the information provided below.
Right to Non-Discrimination: MSB will not discriminate against you for exercising any of your CCPA/CPRA rights. We will not deny services, charge different prices, or provide a different level of service because you exercised a privacy right.
To exercise any of these rights, please contact MSB at (316) 263-1051 or write to us at 625 West Maple Street, Wichita, KS 67213. We will verify your identity before processing your request and respond within the timeframes required by applicable law.
6. Cookie Policy
Our website uses cookies and similar tracking technologies to enhance your browsing experience, analyze site traffic, and support our marketing efforts. This section explains the types of cookies we use and how you can manage your cookie preferences.
Types of Cookies We Use
Strictly Necessary Cookies: These cookies are essential for the basic functionality of our website. They enable core features such as security, network management, and account access. You cannot opt out of these cookies because the website cannot function properly without them. These cookies do not store personally identifiable information.
Analytics and Performance Cookies: We use analytics cookies, including those provided by Google Analytics, to understand how visitors interact with our website. These cookies collect information about pages visited, time spent on pages, traffic sources, and general browsing patterns. This data is aggregated and anonymized to help us improve the website's performance, content, and user experience. Analytics cookies may be set by third-party providers on our behalf.
Functionality Cookies: These cookies allow our website to remember choices you make (such as your language preference or region) and provide enhanced, personalized features. They may be set by us or by third-party providers whose services we have added to our pages.
Marketing and Advertising Cookies: These cookies are used to deliver advertisements that are relevant to your interests. They may also be used to limit the number of times you see an advertisement and to measure the effectiveness of advertising campaigns. Marketing cookies are usually placed by advertising networks with our permission. They remember that you have visited our website and may share this information with other organizations such as advertisers.
Managing Your Cookie Preferences
Most web browsers allow you to control cookies through their settings. You can typically set your browser to refuse all cookies, accept all cookies, or notify you when a cookie is being set. Please note that disabling cookies may affect the functionality of our website and your ability to access certain features. You can also opt out of Google Analytics tracking by installing the Google Analytics Opt-out Browser Add-on, available at tools.google.com/dlpage/gaoptout.
7. Data Retention Policy
MSB retains personal information only for as long as necessary to fulfill the purposes for which it was collected, comply with our legal obligations, resolve disputes, and enforce our agreements. The specific retention period depends on the type of information and the context in which it was collected.
Debt Collection Records: Personal information related to accounts placed with MSB for collection is retained for the duration of the collection engagement and for a minimum of seven (7) years following the closure of the account. This retention period is necessary to comply with federal and state recordkeeping requirements for debt collection agencies, respond to potential legal claims or regulatory inquiries, and provide audit trails for our clients and regulatory authorities.
Website Interaction Data: Information collected automatically through cookies and analytics tools is typically retained for up to twenty-six (26) months. After this period, the data is automatically deleted or anonymized so that it can no longer be associated with an individual user.
Payment Records: Records of payments made through our website or to our collectors are retained for a minimum of seven (7) years to comply with financial recordkeeping requirements and to provide payment verification if needed.
Correspondence and Communication Records: Records of phone calls, letters, emails, and text messages sent or received in connection with debt collection activities are retained for a minimum of five (5) years from the date of the communication. Call recordings may be retained for up to three (3) years unless a longer retention period is required for ongoing disputes or litigation.
When personal information is no longer needed for any legitimate business or legal purpose, we securely delete or anonymize it using industry-standard methods. Physical records are shredded using cross-cut shredding equipment, and electronic records are permanently deleted using secure data destruction protocols.
8. Third-Party Services
MSB uses certain third-party services to operate our website, analyze traffic, and support our business operations. These third-party services may have access to personal information as described below:
Google Analytics: We use Google Analytics to analyze website traffic and user behavior. Google Analytics uses cookies to collect information about how visitors use our site. This information is transmitted to and stored by Google on servers in the United States. Google may use this information to evaluate your use of the website, compile reports on website activity, and provide other services related to website activity and internet usage. For more information about Google's privacy practices, visit policies.google.com/privacy.
Google Tag Manager (GTM): We use Google Tag Manager to manage tracking codes and analytics tags on our website. GTM itself does not collect personal information, but it facilitates the deployment of tags that may collect data as described elsewhere in this policy.
Payment Processors: When you make a payment through our website or payment portal, the transaction is processed by our third-party payment processor. MSB does not store full credit card numbers or bank account details on our servers. Our payment processor is PCI-DSS compliant and handles all payment card data in accordance with payment card industry security standards.
Skip Tracing and Data Vendors: In the course of our debt collection activities, we may use third-party data vendors and skip tracing services to locate debtors, verify contact information, and obtain information relevant to the collection of accounts placed with us by our clients. These vendors are contractually obligated to handle personal information in accordance with applicable privacy laws.
Cloud Hosting and Infrastructure: Our website and internal systems are hosted on secure cloud infrastructure provided by third-party hosting providers. These providers maintain physical, electronic, and procedural safeguards that meet or exceed industry standards for data security.
9. Children's Privacy (COPPA Compliance)
MSB's website and services are not directed to children under the age of 13, and we do not knowingly collect personal information from children under 13. Our debt collection services involve the recovery of debts owed by adults, and we do not target or market to minors in any way.
If we become aware that we have inadvertently collected personal information from a child under 13 through our website, we will take prompt steps to delete that information from our records. If you are a parent or guardian and believe that your child under 13 has provided personal information to MSB through our website, please contact us immediately at (316) 263-1051 or at 625 West Maple Street, Wichita, KS 67213, and we will take steps to delete the information.
In rare cases, a debt collection account placed with MSB may involve a minor (for example, medical debt incurred on behalf of a minor child where the parent or guardian is the responsible party). In such cases, MSB collects from the legally responsible adult, not the minor. All communications are directed to the adult responsible party, and no personal information about the minor is used for marketing or any purpose other than the lawful collection of the debt from the responsible party.
10. International Users
MSB's website and services are intended for use by individuals and organizations located in the United States. Our website is hosted in the United States, and all personal information we collect is processed and stored in the United States.
If you access our website from outside the United States, please be aware that your information may be transferred to, stored, and processed in the United States, where data protection laws may differ from those in your country of residence. By using our website or providing personal information to MSB, you consent to the transfer and processing of your information in the United States in accordance with this Privacy Policy.
MSB does not actively market its services to individuals or organizations outside the United States, and our debt collection services are limited to the recovery of debts within the United States. We do not comply with the European Union's General Data Protection Regulation (GDPR), the UK Data Protection Act, or other non-U.S. data protection frameworks, as our services are not directed to residents of those jurisdictions. If you are located outside the United States, we recommend that you do not provide personal information through our website.
11. Contact Us About Privacy
If you have questions about this Privacy Policy, wish to exercise your privacy rights, or have concerns about how MSB handles personal information, please contact us:
Midwest Service Bureau, LLC
Attn: Privacy Officer
625 West Maple Street
Wichita, KS 67213
Phone: (316) 263-1051
Website: https://msbureau.com
We will respond to privacy-related inquiries within 30 days of receipt. For CCPA/CPRA requests, we will respond within 45 days as required by law, with the possibility of a 45-day extension if reasonably necessary.