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Privacy Policy
Consumer Credit Counseling Service is committed to assuring the privacy of
individuals and/or families who have contacted us for assistance. We assure you
that all information shared both orally and in writing will be managed within
legal and ethical considerations. Your “personal financial information,” such as
your total debt information, income, living expenses and personal information
concerning your financial circumstances, will be provided to creditors, and
possibly others with your specific authorization.
We may also use aggregated case file information for the purpose of
evaluating our services, gathering valuable research information and designing
future programs. Your anonymity will be maintained through the use of your
client number or be using aggregate data in all circumstances.
In all other situations, your information may be released to appropriate
individuals or agencies only upon your written request or when staff our
staff has been served by a valid subpoena.
The following privacy practices detail circumstances under which we will
release your information to a third party:
- We do not disclose any nonpublic personal information about our
customers or former customers to anyone, except as permitted by law.
- We may compile data and aggregate information that you give to us, but
this information may not be disclosed in a manner that will personally
identify you in any way.
- We may disclose some or all of the information that we collect, as
described below, to creditors, or third party that you have authorized who
need this information in order for us to assist you after a counseling
session.
- We may disclose some or all of the information that we collect, as
described below, to creditors and related financial institutions who need
this information in order to put you on a Debt Management Program (DMP).
- We restrict access to nonpublic personal information about you to those
employees who need to know that information to provide services to you. We
maintain physical, electronic and procedural safeguards that comply with
federal regulations to guard your nonpublic personal information.
- We collect nonpublic personal information about you from the following
sources:
- Information we received from you on your applications or other forms you
provide.
- Information about your transactions with us, your creditors, or others
- Information we received from a credit-reporting agency
- We may disclose the following kinds of nonpublic personal information
about you:
- Information we receive from you on applications or other forms, such as
your name, address, social security number, assets, and income
- Information about your transactions with us, your creditors, or others,
such as your account balance, payment history, parties to transactions and
credit card usage
- Information we receive from a credit-reporting agency, such as your credit
history
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