Privacy Policy

Full Service Creditor’s Rights Attorneys


The Law Office of Sarah A. Okrzynski, LLC

Proudly Serving Ohio, Kentucky & Indiana.

Privacy Policy

The Law Office of Sarah A. Okrzynski, LLC (hereinafter, “SAO Law,” “we,” “us,” “our”) is a law firm that represents its clients for the purpose of debt collection. This Privacy Notice explains (1) what personal information we collect, (2) how we collect, store, use, and disclose that information, and (3) the choices you may have regarding our processing of your personal information. “Personal Information” means information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, to you. It does not include aggregated or anonymized information that is maintained in a form that is not capable of being associated with or reasonably linked to you.

  1. Information that SAO Law collects

In order to provide services to its clients and to operate its business, SAO Law collects the following categories of personal information.

  • Information that we may collect about you from our clients, service providers, vendors, or other sources
    • Personal Identifiers which may include, but are not limited to, your name, email address, home address, ZIP code, telephone numbers, Social Security number, driver’s license number
    • Consumer records which may include, but are not limited to, your account number(s) related to credit card, loan, or other financial accounts; banking account numbers; and other financial information.
    • Professional or employment related information which may include, but are not limited to, your current or past employer(s),position/title, and compensation.
    • Commercial or business information which may include, but is not limited to, records of personal property, products or services purchased, purchasing or consuming history, and preferences with respect to receiving communications.
    • Education information.
  • Information that we may automatically collect from you
    • Audio information, which we may record when you call us.
    • Visual information, including your image captured on video when you visit our physical office locations.
    • Information about your interactions with our correspondence and the contents of any return correspondence you may send.
    • Internet or other electronic network activity information when you visit our Site, which may include but is not limited to, IP address; browser type; pages visited; access times; and duration of visit. For more information please see our “Cookies and Related Technologies” section below.
  • Any other information that you or someone on your behalf provides to us through our Site or through other means, such as, but not limited to, contact information and account payment information including any information necessary to process a payment.

SAO Law does not knowingly collect Personal Information from individuals under the age of 18 years. Our Site are not intended for use by anyone under the age of 18 years. If we become aware that an individual under the age of 18 years has provided us Personal Information, we will take steps to delete such Personal Information without undue delay.

  1. How SAO Law Uses Information We Collect

We may use the categories of information described above for purposes such as:

    • To create, maintain, provide, track and improve debt collection services, including through our Site;
    • To permit you to log in to our Site and personalize your experience;
    • To communicate with you or in providing debt collection services to our clients, including communicating with you by telephone, letter, email ,text message, webchat or other means;
    • To conduct, manage, and grow our organization;
    • To process payments;
    • To prevent, investigate, and defend against fraud, unlawful or criminal activity, unauthorized access to or use of Personal Information, our data system services, and to meet governmental and institutional policy obligations;
    • To investigate and resolve disputes and security issues and to enforce our Terms of Service; and
    • To meet our legal obligations or protect our rights including defending ourselves or our clients in connection with threatened or actual litigation.
  1. How SAO Law shares information
  • To Provide Our Services

We may use or disclose your information to third parties as instructed by our clients and permitted by applicable law for the purpose of providing our services. These third parties assist us in serving our clients and in conducting our business operations. Information that SAO Law shares for this purpose is limited to only the information that in our discretion is necessary for the third party to perform its function for us.

  • For Business Transactions or Reorganizations

We may take part in or be involved with a corporate business transaction, such as a merger, acquisition, joint venture, or financing or sale of company assets. We may disclose Personal Information to a third-party during negotiation of, in connection with or as an asset in such a corporate business transaction. Personal Information may also be disclosed in the event of insolvency, bankruptcy, or receivership.

  • In Accordance with Our Legal Rights and Obligations

We may disclose Personal Information to third parties, such as legal advisors, courts, and law enforcement:

  • In connection with the establishment, exercise, or defense of legal claims;
  • To comply with laws and regulations or to respond to lawful requests and legal process;
  • To protect our rights and property and the rights and property of our agents, clients, and others, including to enforce our agreements, policies, and terms of use;
  • To detect, suppress, or prevent fraud;
  • To reduce credit risk and collect debts owed to us;
  • To protect the health and safety of us, our clients, or any person; or
  • As otherwise required by applicable law.
  • Consent

We may disclose Personal Information about you to certain other third parties with your consent.

  1. Controlling the Use of Your Personal Information

You may have the right to request that we not disclose, restrict our disclosure of, update, or correct certain Personal Information we collect as described in this Privacy Notice. To make requests of this nature, please contact SAO Law as described in Section 6 of this Privacy Notice. In many cases, including where we process information related to ongoing legal matters, we will be unable to grant such requests absent written instruction from our clients. This is not intended to be, nor should it be construed to be, a limitation on any rights you may have as a consumer under state or federal law in connection with debts this firm is collecting.

To stop receiving text messages from us, text only the word STOP in response to the text message you received. To stop receiving email communications from us, you may click the unsubscribe link we provide in such communications.

  1. Updates to This Privacy Notice

We may revise this Privacy Notice at any time, at our sole discretion, by posting an amended Privacy Notice on our Site. You can review the current Privacy Notice at any time by clicking the link at the bottom of every page on our Site.

If we make a material change to this Privacy Notice, such as if we intend to use any Personal Information about you in a manner different than what we have stated in this Privacy Notice, we will notify you by placing a prominent notice on our Site.

  1. Contact

If you have questions, concerns, or need to contact us as described in this Privacy Notice, you may contact us through the following means:

The Law Office of Sarah A. Okrzynski, LLC
PO Box 18638
Erlanger, KY 41018
By email: [email protected]
By telephone during normal business hours at:  (800) 870 –  3951

  1. International users

SAO Law is located in the United States and collects, processes, stores, discloses, and disposes of Personal Information that you submit to our Site in accordance with applicable law of the United States. The Site are intended to be used only within the United States and its territories. If you are nota resident of the United States and its territories, you must not use the Site for any purpose.

  1. Linked Sites

Our Site may contain links to web sites controlled or offered by third parties who are not affiliated with SAO Law (“Linked Sites“). SAO Law does not endorse or take responsibility for Linked Sites or their services. SAO Law will not be liable to you for any damage, loss or expense caused by a Linked Sites, including for any security breach, information disclosure or loss of data, and you hereby expressly waive any claim against SAO Law for such losses. Before you log onto or receive services from any Linked Sites, you should review its terms of use and privacy policies.

  1. Cookies and Related Technologies

We and our third-party providers also collect information about your device, browsing actions and website usage patterns automatically when you visit or interact with our Site, which may include log data (such as your internet protocol (IP) address, operating system, browser type, browser ID, the URL you entered and the referring page/campaign, date/time of your visit, the time you spent on our Site, and any errors that may occur during your visit to our Site), analytics data (such as the electronic path you take to our Site, through our Site, and when exiting our Site, as well as your usage and activity on our Site) and location data (such as your general geographic location based on the log data we or our third-party providers collect).

We and our third-party providers may use (i) cookies or small data files that are stored on your computer and (ii) other, related technologies, such as web beacons, pixels, embedded scripts, location-identifying technologies and logging technologies (collectively “cookies”) to automatically collect this information. For example, our Site use Google Analytics, a web analytics service provided by Google, Inc. (“Google”), to collect and view reports about the traffic on our Site. You can obtain more information on the use of Google Analytics by visiting Google’s privacy policy here and you can view Google’s currently available opt-out options here.

If you would prefer not to accept cookies, most browsers will allow you to: (i) change your browser settings to notify you when you receive a cookie, which lets you choose whether or not to accept it; (ii) disable existing cookies; or (iii) set your browser to automatically reject cookies. Please note that doing so may negatively impact your experience using our Site, as some features and offerings may not work properly or at all. Depending on your device and operating system, you may not be able to delete or block all cookies. In addition, if you want to reject cookies across all your browsers and devices, you will need to do so on each browser on each device you actively use.


Full Service Creditor’s Rights Attorneys