HIPAA
VitaCoreX is not a Covered Entity. It is not operating as a Business Associate by default — most healthcare engagements keep Protected Health Information inside the operator’s own environment, with VitaCoreX working in their systems. Where an engagement does require PHI to cross into our environment, a Business Associate Agreement (BAA) is executed before that transfer.
FDCPA (Fair Debt Collection Practices Act)
VitaCoreX is not a debt collector as defined by the FDCPA. We do not take assignment of debt, do not collect on our own behalf, and do not engage in collection activity under our name. Pre-collection work is the operator’s own AR — their own documents, their own escalation thresholds, executed under their identity. FDCPA / Reg F / Florida FCCPA are referenced as workflow guardrails, not applicable-statute.
GLBA
Where an engagement involves financial-customer data under GLBA coverage, VitaCoreX operates under the operator’s Information Security Program and Safeguards Rule implementation, with our staff acting as authorized personnel inside that program.
State privacy laws
CCPA / CPRA (California), VCDPA (Virginia), CPA (Colorado), CTDPA (Connecticut), UCPA (Utah) — data subject requests are routed through the operator, who owns the consumer relationship. VitaCoreX supports the operator’s response and does not receive direct DSR traffic.
Florida-specific
VitaCoreX LLC is registered in Florida, operates from Tampa, and follows Florida Consumer Collection Practices Act (FCCPA) as a workflow reference. VitaCoreX is not a licensed consumer collection agency — engagement scope is pre-collection recovery infrastructure, not licensed collection activity.