Privacy Statement
The information in this privacy statement applies only to this website.
We at Consolidated Credit Counseling Services, Inc.™ (“Consolidated”) respect
your right to privacy. We understand that maintaining the confidentiality of
your financial situation is important to you. We want you to understand what
information we gather about you, how we use it, and the safeguards we have in
place to protect it. We also want you to understand that in connection with a
request for our assistance, you may ask us to intervene with your creditors on
your behalf, and that the sharing of certain non-public information with them is
a necessary part of the credit counseling process.
The following discloses the information gathering and dissemination practices
for this web site. Information Automatically Logged:
IP Address - We Use Your IP
Address For Other Purposes
IP addresses are automatically logged and the domain name which you are using at
the time of entry is also logged to a file. This information is stored purely as
a means of viewing web site hits and traffic. This information is not given to
any third parties for any reason, and is eradicated from our database on a
regular basis. IP addresses are not used for any purpose other than those stated
here.
Cookies - Our Site Uses Cookies
For Other Purposes
Cookies are used as a means of identifying repeat visitors. Changing your web
browser's setup to "reject" cookies does not prevent a user from visiting any
portion of this website.
Our Principles for Privacy
Protection
Our site's registration and Online forms require users to give us contact
information (like their name, email, or postal address). Due to the nature of
this web site, financial information is also requested on a voluntary basis from
the visitor. Consolidated does not share your financial information with any
non-affiliated third parties other than those who help us in providing
assistance to you, and they are required to maintain it in strict confidence. We
do not rent or sell your personal financial information to any outside marketer.
We maintain security practices and procedures designed to ensure the security,
integrity, and confidentiality of your personal financial information. We
educate our employees about safeguarding client information and preventing
unauthorized access, disclosure or use, while limiting employee access to client
information to those who need it to assist you.
Off-Line/Email Data Collection ConsolidatedCredit.org only collects a limited
amount of financial information from consumers on their online forms. However,
during the credit counseling session which is done through face-to-face
conversations, telephone calls, and e-mail communications, additional
information may be requested.
What information do we collect?
We collect non-public personal information about you from the following sources:
- Information we receive from you on
applications or other forms, whether submitted through the Internet or manually,
as well as through face-to-face conversations, telephone calls, and e-mail
communications. This information may include your name, address, telephone and
social security number, as well as your creditors’ names and addresses, the
amounts you owe your creditors and their account numbers, credit card account
information, and your living expenses.
- You may provide us with certain
banking information, via the Internet, on the phone or in person, in order to
process ACH payments.
- Information about your
transactions with us.
- Information we receive from your
creditors.
What information do we disclose?
We may disclose the following kinds of non-public personal information about you
in the course of providing credit counseling services on your behalf:
- Information we receive from you on
applications or other forms and from other communications with you, such as your
name, address, financial account numbers, Social Security number, assets and
income.
- Information about your
transactions with us, such as your account balance, monthly payment obligations,
payment history, and method of payment.
To whom do we disclose information?
We do not disclose any non-public personal information about our clients, or
former clients to anyone, except as noted below in response to a court order,
when required by law or when we believe in good faith disclosure is required by
law or to enforce our terms and conditions or other agreements and polices. We
may disclose non-public personal information about you to your financial service
provider creditors such as banks, saving and loans, credit unions, mortgage
bankers, finance companies, and credit card issuers. For the purpose of
fulfilling our mission and providing you with certain services and to process
your requests and payments, we may disclose your personal information to one or
more service providers or other third parties who are assisting us in performing
such services. Without limiting the foregoing, these third parties may provide
us with data management, payment processing, and similar services. Additionally,
in the event that you fail to complete a program you enroll in, information may
be referred to a servicing agent to contact you to provide additional financial
services that you may want to consider.
How do we protect information?
Only those employees or servicing agents obligated to maintain the
confidentiality of information who might need to know non-public personal
information in order to provide assistance to you have access to such
information.
External Links
This site contains links to other sites. Consolidated is not responsible for the
privacy practices or the content of such websites. The contents of such websites
are unknown and in no event, should you assume that Consolidated condones,
approves of, or recommends the content of any website that is linked from the
Consolidated pages or any other pages of this website. Complaints about the
content of any linked site from the Consolidated pages should be directed to the
owner of that site and not Consolidated.
Security
This site has security measures in place to protect the loss, misuse, and
alteration of the information under our control. Information, if any, submitted
for use by visitors is kept strictly confidential. Only the information visitors
provide and authorized by the visitor is used for the purpose it was submitted.
Choice/Opt-Out
You can submit a request to be removed from the Consolidated update and
newsletters by going to
https://members.consolidatedcredit.org.
Data Quality/Access
This site gives users the following options for changing and modifying
information previously provided. You can go to https://members.consolidatedcredit.org to submit your request.
Questions or corrections?
If you have any question about our privacy policy and practices please contact
us at (954) 484-3328 or contact:webmaster@consolidatedcredit.org.
If you want to correct any personal information in our files, please submit a
written request to us. Thank you for choosing Consolidated to assist you in
restoring your financial well being.
Licensing
Licensed by the Vermont Department of Banking, Insurance, Securities and
Healthcare Administration. Licensed by the New York State Banking Department,
5701 W. Sunrise Blvd., Ft. Lauderdale, FL 33313
The Commissioner of Financial Regulations for the State of Maryland will accept
questions and complaints from Maryland residents regarding Consolidated, license
# 14-9 at 500 North Calvert Street, Suite 402, Baltimore, MD 21202-3651 or toll
free at 1-888-784-0136.
Revised Privacy Policies
Please note that we reserve the right to change or modify our privacy practices
that are described above from time to time simply by posting a revised Privacy
Policy on our Website www.consolidatedcredit.org. Any such change shall be effective
immediately upon posting of the revised Privacy Policy on the Website. The
revised Privacy Policy shall be effective for information we already have about
you, as well as any information we receive in the future. You should refer to
this Privacy Policy on an ongoing basis so that you are aware of our current
privacy practices.