The Effective Date of this Privacy Policy is January 1, 2006. BCA Financial Services ("BCA") values the privacy of each visitor to our web site. We have
adopted this Privacy Policy to communicate our firm's current data collection and disclosure policies for our web site
(http://www.bcafinancialservices.com/). Please read our Privacy Policy carefully. Please note that this Policy covers only information collection practices on
the web site and does not apply to any information collected by us offline or elsewhere. We reserve the right to modify or
amend this Privacy Policy and encourage our web site users to periodically review this Policy. Your use of this web site will
serve as your acceptance of our privacy practices. INFORMATION
COLLECTED In order to better serve the needs
of our current and future clients, our web site contains features that allow users to provide our firm with personally identifiable
information including a brief description of their collection issues. We believe this feature assists in our firm's efforts
to provide exceptional collection service efficiently and effectively. However, please note that our web site and its features
are intended to be informational only and are not a substitute for legal advice. Our web site is not directed to children under the age of 18 and we do not knowingly collect
personally identifiable information from children under 18 years of age. If we discover that a child younger than the age
of 18 has provided this web site with personally identifiable information, we will delete that child's personally identifiable
information from our database. HOW WE USE THE
INFORMATION COLLECTED Any communications that
we receive will be considered confidential. Any personal information that you provide will not be shared with third-parties
except as required and permitted by law. OTHER
INFORMATION WE USE In addition, our web servers
may automatically collect web site usage information from visitors to our web page. Web site usage information is non-personally
identifiable information that describes how our visitors use and navigate our web site. It may include the number and frequency
of visits, browser type, and IP addresses. We maintain this information to monitor the traffic on our web site so that we
can ensure a user-friendly webpage and best serve the needs of our web site users. We may also use IP addresses in cooperation
with internet service providers or law enforcement agencies to identify users if we deem it necessary to comply with law.
BCA may also collect statistical information through the use of cookies and other Internet technologies. Cookies are elements
of data transferred to your computer that allow for customized preferences and record-keeping. You may reset your browser
to refuse cookies or to indicate when a cookie is sent. However, some parts of this web site may not function correctly if
you disable cookies. CONSENT TO TRANSFER Our web site is operated in the State of New Jersey, in the United
States of America. If you are located outside of the United States, please be aware that any information you provide us will
be transferred to the United States of America. By using this web site or providing us with information, you consent to this
transfer. SECURITY BCA uses safeguards to secure its systems and protect personally identifiable information
we collect through this web site. Unfortunately, data transmissions over the internet cannot be guaranteed 100% secure. We
cannot, and do not, make any warranties related to the security of any information you transmit to our firm through the features
provided on this site. Due to the inherent inability to ensure the absolute security of online data collection, we reiterate
our request that you provide only the non-confidential information necessary to facilitate our efforts to evaluate a possible
relationship or collection of a delinquent account in your files. | 
