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Carter Business Services

Provider of accounts receivable services since 1950...

Privacy & Terms Of Use

This privacy policy has been compiled to better serve those who are concerned with how their 'Personally Identifiable Information' (PII) is being used online. PII, as used in US privacy law and information security, is information that can be used on its own or with other information to identify, contact, or locate a single person, or to identify an individual in context. Please read our privacy policy carefully to get a clear understanding of how we collect, use, protect or otherwise handle your Personally Identifiable Information in accordance with our website. 

What personal information do we collect from the people that visit our blog, website or app? 

When paying or registering on our site, as appropriate, you may be asked to enter your name, email address, mailing address, phone number, credit card information, social security number or other details to help you with your experience and confirm your identification. 

When do we collect information? 

We collect information from you when you fill out a form or enter information on our site. 


How do we use your information? 

We may use the information we collect from you when you register, make a payment, surf the website, or use certain other site features in the following ways:

•To personalize user's experience and to allow us to deliver the type of content and product offerings in which you are most interested
•To allow us to better service you in responding to your customer service requests
•To quickly process your transactions
•To send periodic emails regarding your account status or other products and services


How do we protect visitor information? 

Our website and servers are scanned & updated on a regular basis for security holes and known vulnerabilities in order to make your visit to our site as safe as possible. 

We use regular Malware Scanning. 

Your personal information is contained behind secured networks and is only accessible by a limited number of persons who have special access rights to such systems, and are required to keep the information confidential. In addition, all sensitive/credit information you supply is encrypted via Secure Socket Layer (SSL) technology. We implement a variety of security measures when a user enters, submits, or accesses their information to maintain the safety of your personal information. 

For your convenience we may store; if you specify to do so; your credit card information for more than 30 days in order to expedite future payments, and to automate the billing process. 

Do we use 'cookies'? 


Third Party Disclosure 

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. 


Third party links 

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites. 

California Online Privacy Protection Act 


CalOPPA is the first state law in the nation to require commercial websites and online services to post a privacy policy. The law's reach stretches well beyond California to require a person or company in the United States (and conceivably the world) that operates websites collecting personally identifiable information from California consumers to post a conspicuous privacy policy on its website stating exactly the information being collected and those individuals with whom it is being shared, and to comply with this policy.

See more at: 

According to CalOPPA we agree to the following:

•Users can visit our site anonymously
•Once this privacy policy is created, we will add a link to it on our home page, or as a minimum on the first significant page after entering our website
•Our Privacy Policy link includes the word 'Privacy', and can be easily be found on the page specified above
Users will be notified of any privacy policy changes on our Privacy Policy Page  Users are able to change their personal information by calling us 

How does our site handle do not track signals?
We do not honor do not track signals when a Do Not Track (DNT) browser mechanism is in place. 

It's also important to note that we allow third party behavioral tracking 


COPPA (Children Online Privacy Protection Act) 

When it comes to the collection of personal information from children under 13, the Children's Online Privacy Protection Act (COPPA) puts parents in control. The Federal Trade Commission, the nation's consumer protection agency, enforces the COPPA Rule, which spells out what operators of websites and online services must do to protect children's privacy and safety online. 

We do not specifically market to children under 13. 

Fair Information Practices 

The Fair Information Practices Principles form the backbone of privacy law in the United States and the concepts they include have played a significant role in the development of data protection laws around the globe. Understanding the Fair Information Practice Principles and how they should be implemented is critical to comply with the various privacy laws that protect personal information. 

In order to be in line with Fair Information Practices we will take the following responsive action, should a data breach occur we will notify our customers via email within 30 business days 

We also agree to the individual redress principle, which requires that individuals have a right to pursue legally enforceable rights against data collectors and processors who fail to adhere to the law. This principle requires not only that individuals have enforceable rights against data users, but also that individuals have recourse to courts or a government agency to investigate and/or prosecute non-compliance by data processors. 



The CAN-SPAM Act is a law that sets the rules for commercial email, establishes requirements for commercial messages, gives recipients the right to have emails stopped from being sent to them, and spells out tough penalties for violations. 

We collect your email address in order to send information, respond to inquiries, and/or other requests or questions. 

To be in accordance with CANSPAM we agree to the following:
•NOT use false, or misleading subjects or email addresses
•Identify the message as an advertisement in some reasonable way
•Include the physical address of our business or site headquarters
•Monitor third party email marketing services for compliance, if one is used
•Honor opt-out/unsubscribe requests quickly

If at any time you would like to unsubscribe from receiving future emails, you can follow the instructions at the bottom of each email and we will promptly remove you from ALL correspondence. 

When to Employ a Collection Agency

1. When a debt is 90-120 days delinquent
2. When a customer demonstrates bad faith and loses credibility
3. When costs of continued efforts do not justify further time investment
4. When a customer discloses financial difficulty
5. When a customer is ignoring your calls
6. When a customer is lying to you
7. When a customer is ignoring a 10-day final demand
8. When a customer is falsely claiming defective products or services
9. When a customer threatens bankruptcy
10. When a customer is passing NSF checks
11. When a customer is making partial remittance
12. When a customer starts skipping payments
13. When a customer refuses to sign a personal guarantee
14. When a competitor is calling you for a credit reference
All funds collected within the month are remitted to the client on the 25th day of the month proceeding collection. Any monies remitted directly to client can be offset with any collection monies we have in house at months end. If we have no monies in house at months end, we will invoice you for our fees.


Contacting Us 

If there are any questions regarding this privacy policy you may contact us using the information below or using the form on our Contact Us page. 

Carter Business Service
150A Andover Street, Suite 12A
Danvers, MA 01923

United States
Phone: 781-246-4300
Fax: 781-246-4398

Dependable - Reliable - Professional 

A Track Record of Success:
We have consistently maintained a rate of return that is well above the national average listed by ACA International.


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