Terms of Use

Effective Date: March 2026

Acceptance of Terms

By accessing and using PlainCollector (plaincollector.com), you agree to these Terms of Use. If you do not agree, please do not use PlainCollector.

Information Purpose

PlainCollector is an informational resource that presents publicly available CFPB complaint data in a more accessible format. The information on PlainCollector is provided for general informational purposes only and should not be relied upon as professional advice of any kind.

PlainCollector does not provide legal advice. Nothing here constitutes an attorney-client relationship. For legal guidance regarding debt collection, consult a licensed attorney.

Accuracy and Completeness

Complaint data comes from the CFPB Consumer Complaint Database. Complaints are submitted by consumers and are not independently verified by the CFPB or PlainCollector. Reputation grades are calculated from available data and are intended for informational purposes only, not as definitive ratings of company quality.

While we strive to present accurate information, we make no warranties about completeness, reliability, or accuracy. Always verify important information with official government sources.

No Professional Advice

Nothing on PlainCollector constitutes legal, financial, or professional advice. Any decisions you make based on information found here are solely your responsibility.

PlainCollector may contain links to third-party websites. We are not responsible for the content or privacy practices of those sites.

Advertising

PlainCollector displays advertisements through Google AdSense to support its operation. Ads are served by third parties and are subject to their own terms and privacy policies.

Limitation of Liability

To the fullest extent permitted by law, PlainCollector shall not be liable for any damages arising from your use of or inability to use PlainCollector, or from reliance on complaint data or reputation grades displayed here.

Changes to Terms

We may update these terms at any time. Continued use of the site constitutes acceptance of any changes.

Contact

Questions about these terms? Email hello@plaincollector.com.

Data Accuracy and Verification

PlainCollector aggregates and reformats information that originates from public government agencies, regulatory filings, and other openly available sources. While we take reasonable steps to ingest, normalize, and refresh this data, upstream records may contain clerical errors, lag behind real-world changes, or omit relevant context. You are solely responsible for verifying any fact that influences a legal, medical, financial, educational, safety, or similarly consequential decision. Cross-reference the official source before acting on anything you read here.

Acceptable Use

You may browse, read, and share PlainCollector content for personal, journalistic, academic, and non-commercial research use. You may cite specific records with attribution and a link back to the page on plaincollector.com. You may not (a) systematically scrape, crawl, or download the dataset in bulk without prior written permission; (b) resell, sublicense, or redistribute derived data products that compete with PlainCollector; (c) use our pages to harass, defame, or misrepresent any individual or organization appearing in the data; (d) remove, obscure, or mislabel source attribution; or (e) attempt to bypass rate limits, security controls, or authentication mechanisms.

Plain-Language Editorial Role

PlainCollector combines raw public data with plain-language summaries, explainers, and comparisons. Narrative sections are drafted by our editorial team from official source data and reviewed for accuracy before publication. We do not modify the underlying numbers or filings, those are loaded directly from the upstream source. If you spot a summary that misreads the data, please email the correction link on our contact page.

Intellectual Property

The underlying public records surfaced on PlainCollector are in the public domain or otherwise freely licensed by the issuing agency, you are free to use those raw facts. However, our site design, layout, navigation structure, original editorial copy, category taxonomies, comparison tables, and curated rankings are the copyrighted work of PlainCollector. These creative elements may not be reproduced in whole or substantial part without permission.

Changes to These Terms

We may update these Terms of Use from time to time to reflect changes in our data sources, product features, legal environment, or advertising relationships. When we make material changes, we will update the "Last updated" date above and, when appropriate, surface a brief notice on the homepage. Continued use of the site after an update constitutes acceptance of the revised terms. We encourage you to revisit this page periodically.

Governing Law and Disputes

These terms are governed by the laws of the United States and the jurisdiction in which PlainCollector is domiciled, without regard to conflict-of-law principles. Any dispute arising from or relating to your use of PlainCollector will first be addressed through good-faith informal negotiation. If that fails, both parties agree to resolve the dispute in the courts with jurisdiction over PlainCollector's principal place of business. Nothing in these terms limits your statutory consumer-protection rights under applicable local law.

For formal legal notices, DMCA takedown requests, subpoenas, law-enforcement requests, or correspondence regarding these terms, email legal@plaincollector.com. General questions, data corrections, and feedback should use the contact page so they reach the editorial team promptly.