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WHAT INFORMATION ABOUT YOU IS COLLECTED ON THIS WEBSITE?
This Website collects two types of information: Personal Identifiable Information and non-Personally Identifiable Information (see Section on Web Beacons).
Personal Identifiable Information
Personal Identifiable Information is information that identifies you and allows you to enroll in debt management and debt settlement programs with the CCA's through this Website ("Services"). Personal Identifiable Information also permits you to become a registered User of this Website. During the online process a wide variety of personal and financial data is collected by the Counselors. Such Personally Identifiable Information may include:
- Debt Information (Credit Card / Loan Account Numbers & Balances)
- Personal Information (Social Security Number, Address, Phone, Email, Salary, Pay Period, Employer, Occupation)
- Demographic Information (Age, Birth Date, Gender)
- Budget Information (Assets, Monthly Expenses, Other Income)
This information is stored to use in enrolling Users for Services and in providing Services to Users. The Counselors and we may use the data for Users who do not complete the online enrollment process for internal analysis and to contact the Users to provide information about the Services. This information is not shared with any other party.
DOES OUR WEBSITE COLLECT INFORMATION FROM CHILDREN UNDER 13 YEARS OF AGE?
We are committed to protecting the privacy of children. Our Website is not designed for or directed to children under the age of 13. Personal Identifiable Information from any person we actually know is under the age of 13 is not collected. We urge all parents or guardians to participate in their children's exploration of the Internet, and to teach their children about protecting their personal information while online.
WHAT DOES OUR WEBSITE DO WITH THE INFORMATION IT COLLECTS?
In general, we use the information collected on our Website to help us understand who uses our Website and how it is used, to personalize your online experience, and to improve our Website.
If you enter your email address, name and phone number, and ask for more information, we may use your information to send you a welcoming email, electronic newsletters, contact you about products, services, information and news that may be of interest to you, and provide you with targeted feedback.
If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site.
Your friend may contact us at email@example.com to request that we remove this information from our database.
In addition, if you identify yourself to us by sending us an email with questions or comments, we may use your information (including Personally Identifiable Information) to respond to your questions or comments, and we may file your questions or comments for future reference.
We may also use the information gathered on our Website to perform statistical analysis of User behavior or to evaluate and improve our online services.
The Counselors may use the information gathered on the Website to analyze and evaluate issues relating to the Services provided to you, enrollment behavior and credit education for internal purposes only or to assist you in your debt reduction efforts.
If you prefer that we do not send you email communications, you may opt-out of those services, that is, you may direct us not to use your email address as part of our marketing efforts. If you wish to opt-out of email communications, you may do so by emailing firstname.lastname@example.org.
WHEN DOES OUR WEBSITE DISCLOSE INFORMATION TO THIRD PARTIES?
Personal identifiable information about you as well as email address will be disclosed to third parties only as described in the Gramm Leach Bliley Act Privacy Notice of the CCA that will administer the services provided to you.
Notwithstanding the above commitments to protect your information (including Personally Identifiable Information) from loss, misuse or alteration by third parties, you should be aware that there is always some risk involved in transmitting information over the Internet. There is also some risk that others could find a way to thwart our security systems. As a result, while we strive to protect your information, we cannot ensure or warrant the security and privacy of any information you transmit to us, and you do so at your own risk.
CAN I CORRECT MY PERSONALLY IDENTIFIABLE INFORMATION?
You can always contact us to update, correct or delete your Personally Identifiable Information and email address or change your preferences with respect to communications and other information you receive from us by emailing email@example.com_________. Such updates, corrections and deletions will not have any effect on the data that is maintained by the Counselors in connection with the Services.
You should be aware that it is not technologically possible to remove each and every record of the information you have provided from our system. The need to back-up our systems to protect information from inadvertent loss means that a copy of your Personally Identifiable Information may exist in a non-erasable form that will be difficult or impossible to locate. We promise that promptly after receiving your request, all Personally Identifiable Information stored in marketing databases we actively use and other readily searchable media will be updated, corrected, changed or deleted, as appropriate, as soon as reasonably practicable.
We will retain your information for as long as your account is active or as needed to provide you with services. If you wish to cancel your account or request that we no longer use your information to provide you services contact us at firstname.lastname@example.org. We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.
We use both session ID cookies and persistent cookies. We use session cookies to make it easier for you to navigate our site. A session ID cookie expires when you close you browser. A persistent cookie remains on your hard drive for an extended period of time. You can remove persistent cookies by following directions provided in your Internet browser's "help" file.
If you reject cookies, you may still use our site, but your ability to use some areas of our site, such as contests or surveys, will be limited.
WHO DO I CONTACT IF I HAVE ANY PRIVACY QUESTIONS?